Mortgage -- Unable to get your credit report or credit score -- Complaint #5698521
Complaint Overview
Complaint ID: 5698521
Company: Fay Servicing, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-Issue: Other problem getting your report or credit score
State: Maryland
ZIP Code: 20774
Date Received: 2022-06-22T12:00:00-05:00
Date Sent to Company: 2022-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
As a consequence of the pandemic, I lost my job so I could only keep up with the mortgage payments until XX/XX/XXXX ( 5 months into the pandemic ). I found myself in default for the whole year of XXXX and part of XXXX. However, for most of XXXX, the state of Maryland XXXXXXXX XXXX XXXX had been in close contact with Fay Servicing , LLC as I was in the process of being approved for homeowners assistance to bring my mortgage up-to-date. According to a Fay Servicing representative, with whom I spoke, they informed the state of MD that Fay Servicing was placing a hold on my loan-account until XX/XX/XXXX, before they would take any further action. However, on XX/XX/XXXX, Fay Servicing reported to the credit bureau that I was in default which caused a XXXX drop to my credit. They did not keep their promise to wait until XX/XX/XXXX. I immediately called XXXX XXXX to report this and told their representative that their company had clearly acted in absolute bad faith because the entire time that I had been in default ( for 20 months straight ) they had never reported anything to the credit bureau. They knew the state of MD was helping me out, and they reported me - before the date they had set up themselves. Their representative had the audacity to tell me that I was not the only one that was affected by the pandemic ; that millions were keeping up with their mortgage payments. I told him that it was not his place to be making diminishing judgments of any of their customers. My mortgage is now up-to-date thanks to my state assistance. Over the years, I have come to dislike the way Fay Servicing representatives talk to me. They are extremely disrespectful and rude. I always feel intimidated by their phone calls especially during this pandemic that turned my life upside down.
Frequently Asked Questions
What is Complaint #5698521 about?
Complaint #5698521 was filed against Fay Servicing, LLC regarding Mortgage specifically about Unable to get your credit report or credit score. It was received by the CFPB on 2022-06-22T12:00:00-05:00.
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.