Complaint #1797523 submitted on 02/23/2016 relating to FCI Lender Services Inc.. Complaint relates to Mortgage Home equity loan or line of credit - Loan modification,collection,foreclosure .
Complaint was submitted via Web and sent to the company on Tuesday 23rd February 2016.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX XXXX, XXXX my mailman knocked on my door and when I opened the door he gave me a piece of mail that was intended for my next door neighbor at XXXX XXXX XXXX XXXX. The mailman knew me personally and even though the address on the correspondence had the wrong address, it had my name on it. My address is XXXX XXXX XXXX XXXX. When I opened the letter it was an " Intent to Foreclose '' from the Law Office of XXXX XXXX XXXX, XXXX. on behalf of a XXXX XXXX XXXX XXXX. Had the mailman not delivered this piece of mail to me I would never had known 1 ) that this mortgage was being held by another company other than XXXX XXXX 2 ) that my house was in foreclosure and I could have actually lost my house without even being aware of this.
This was the XXXX time that I had received any communication in regards to this mortgage in over 5 years. The mortgage was originally a second lien held by XXXX XXXX XXXX ( formally XXXX XXXX XXXX ). In XXXX XXXX, the XXXX mortgage was modified by XXXX XXXX Bank and we were told that the XXXX lien had been extinguished. We have been making payments on the XXXX mortgage to XXXX XXXX Bank since XXXX XXXX on a regular basis. Since we did not receive any correspondence in regards to the XXXX lien, we were shocked when we received this letter. Upon further research we learned that this XXXX lien had been sold several times over the five year period ( see attached ) and we were not notified at any time of any of these transfers which is in direct violation of 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow account - specifically Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer.
Because of the failure to comply with the provisions of this law we would therefore request that you investigate have each entity that was involved with the transfer of my loan to provide the servicing transfer letters that were sent to me including my signature of any RETURN RECEIPT REQUESTED certified mail that was sent to me.
I am attaching copies of the recorded assignments that I was able to find in public records to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that I was never notified about.
| Company | FCI Lender Services Inc. |
| Complaint ID | 1797523 |
| Date Received | 02/23/2016 |
| Product | Mortgage Home equity loan or line of credit |
| Issue | Loan modification,collection,foreclosure |
| State/ZIP Code | FL 330XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company chooses not to provide a public response |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 02/23/2016 |
| Result | Timely Response: Yes, Consumer Disputed: Yes |
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