Mortgage -- Trouble during payment process -- Complaint #12383776
Complaint Overview
Complaint ID: 12383776
Company: Fay Servicing, LLC
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-Issue: Payment process
State: Nevada
ZIP Code: XXXXX
Date Received: 2025-03-08T12:00:00-05:00
Date Sent to Company: 2025-03-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
in XX/XX/XXXXXXXX I have had a to watch the loan via. the online portal because the statements for payment would come just days before payment due date, I have taken screenshots with my phone to document payment due with XXXX due in 20 days then the amount due would show up 19 days before due date or less, always on to of it and never late. they would apply the payment just before its late. this gone on for the past 7 months, have spoke to them on phone with no help, this last XX/XX/XXXX they stated they never received my check that was sent from my banking institution, so I had to go to my bank to cancel the lost check and sent another. yesterday they should have received the check XXXX XX/XX/XXXX, when I called they stated they still have not received it? the payment is in the 15 day grace time frame. the said my account is all up-to-date otherwise, the statement for the XX/XX/XXXX for example was received by me in the mail 5 days before the due date XX/XX/XXXX, XXXX but they should have received the check on XX/XX/XXXX according to my bank. that is the one the say they never got.. I am requesting them fix the issue but they have been on help.. from XXXX to present the account seems to have lots of discrepancy please help.
Frequently Asked Questions
What is Complaint #12383776 about?
Complaint #12383776 was filed against Fay Servicing, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2025-03-08T12:00:00-05:00.
How did Fay Servicing, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Fay Servicing, LLC?
Yes, visit the Fay Servicing, LLC company profile at readthecomplaint.com/company/fay-servicing-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.