Complaint #1686569 submitted on 12/07/2015 relating to FCI Lender Services Inc.. Complaint relates to Mortgage Conventional adjustable mortgage (ARM) - Loan modification,collection,foreclosure .
Complaint was submitted via Web and sent to the company on Friday 11th December 2015.
Hello CFPB, I would like to bring to your attention an injustice matter that I have encountered concerning my home of 33 years with different mortgage companies. I 'd worked for XXXX in XXXX, XXXX for approximately 15 years. Due to an on the job injury, I began having problems with my legs and was placed on light duty for a number of years before I was forced to quit, in XXXX XXXX, due to unable to completely perform the job task, per new management. During the next couple of months I received unemployment, but really struggled to pay my bills and got extremely behind. Fortunately, I was approved for XXXX and Social Security and began to receive fixed monthly payments in the total of {$1000.00}. This has been my only source of income since XXXX XXXX.
I was paying mortgage on my home with mortgage company, XXXX XXXX XXXX XXXX, loan # XXXX and my payments were {$250.00} per month. Then, a new mortgage company by the name of FCI Lenders Services Inc. took over my payments. They claimed that they could n't find any of my payments to the previous company and that I had n't made payments from XXXX to XXXX. I explained to them that were absurd and there 's no way I would still be in my home if that accusation was true. Finally, after several complaints from me and extensive research, they found my payments, but refused to give me credit for them and wanted me to now pay {$650.00} per month. I sent in a letter of request for them to lower my payments, but they denied the request. FCI Lenders Services Inc. gave me a forbearance agreement to pay {$650.00} per month from XXXX XXXX to XXXX XXXX. I was unable to keep the agreement due to being XXXX for XXXX, XXXX XXXX XXXX, and XXXX problems for about a week. I had to pay for my medication and see different specialist 3 times a week upon being discharged from the hospital. Since then, my loan has been turned over to a new company by the name XXXX XXXX XXXX, my file loan number is XXXX. On XXXX XXXX, XXXX, they are planning to foreclose on my home of 33 years. They told me in order to keep it I will have to pay {$120000.00} due to back pay. The home is only worth {$13000.00} and the homes in the area are valued from {$30000.00} to {$40000.00}. Please investigate this matter so I wo n't lose my home. Any help of this matter will be greatly appreciated. I 've listed the addresses and phone numbers of the mortgage companies listed above. Thanks!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX.
P.O. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fax
| Company | FCI Lender Services Inc. |
| Complaint ID | 1686569 |
| Date Received | 12/07/2015 |
| Product | Mortgage Conventional adjustable mortgage (ARM) |
| Issue | Loan modification,collection,foreclosure |
| State/ZIP Code | TN 381XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company chooses not to provide a public response |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 12/11/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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