8 Customer Reviews
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Review from Edward W
1 star07/10/2024
Had a loan with a company out of florida then day before closing loan jumps to 13 percent interest and now km dealing with this company first payment was late because of their welcome packet showing up late. I was told the payments due on the first with no ****** Come to find out theres a 10 day ****** And when youre late, not only is there a $200 late fee they put you up to 15% interest on this freaking scam of a loan servicing company! How is this allowed what a joke!!!! between them and the clown that put this Loan together, they definitely are trying to take my home woth all of these insane feesReview from Darrah H
1 star02/15/2024
I went into bankruptcy in Feb of 2019. The trustee sent my payments to them for 5 years. Now that my bankruptcy has been closed they are saying they did not get any money because there was not an open account. One person said that he could see it and it was bankruptcy but his supervisor said there was no record of any payments at all. I asked to speak to bankruptcy department because it was a bankruptcy and she-************************* said I was not allowed to speak to them and it would never happen. They are trying to steal my house after I worked so hard to save it. Why would you take over $44000 in payments and cash the checks if you weren't a supposed to collect it!!!!!Review from Kristi F
1 star10/03/2023
They will take your home! They are a scam! You have to *** them! Or you will lose everything.
FCI Lender Services Inc Response
10/05/2023
In response, the subject loan was paid in full over a year ago, and our records give no indication of why ************** currently has such vehement feelings towards our company. However, FCI sincerely apologizes for any negative experiences she may have had with our business. FCIs top priority is providing exceptional customer service.Review from LYNETTE S
1 star02/17/2023
they bought my loan from ********** mortgage, added the cost of buying my loan to me. screwed up my loan modification. can't use computer during day for personal business and I have been without a computer for several months. they won't take a phone payment from me, and really don't like to take mailed payments. they want you to use the online payment system. work for bussssssy office and don't have time. they are condescending to you on the phone.THEY ARE SHADY AS THEY COME. HAS ANY ONE HAD ANY LUCK THE THE ***** ATTORNEY GENERAL REGARDING THEIR SHENANIGANS????FCI Lender Services Inc Response
02/23/2023
In response, because of the personal nature of some of the issues raised, FCI has sent a detailed response to the consumer by mail. Suffice it to say in this forum that FCI is simply the servicer on behalf of the Investor who purchased this loan, and we have not added any purchase costs to the account. FCI is fully aware of the completed modification and its terms are reflected in our system. FCI has not made any changes to the modification. The Welcome letter we sent ************** explained all of our available payment options, and FCI has no preference which one is used. FCIs website has 24 hour access, and we have an app that allows consumers to pay on their phone. We also accept Automatic payments (ACH), money orders, wires and bill pay from a consumers own bank.Review from Byron F
1 star12/30/2022
These people are agents of the Devil.My mom requested to payoff her loan, next thing you know, all types of extra fees follows. Her money orders were late, her ACH payment was not received by them.Never do any type of business with this company! They are pure greedy and liars.Cut and dry.FCI Lender Services Inc Response
01/05/2023
FCI is unable to identify this customer, so we cannot comment on the writer's concerns. However, all of FCI's payoff quotes are generated in compliance with state and federal laws, and we sincerely apologize for any negative experience you had in working with us. Our top priority is providing exceptional customer service.Review from John B
1 star10/16/2022
They are holding funds due me stating I have not signed their FCI service agreement. In the past all of the several loans they have serviced they provided electronic signature doc.The subject loan as well as a prior loan they provided hard copy docs thus US Mail. I signed and mailed back both. Prior loan no problem subject loan claim the sent electronic docs. Not true !!Additionally boarding of loans take much longer than in the past.FCI Lender Services Inc Response
10/18/2022
In the Review, ******************* stated that FCI is holding his funds because he has not signed our Servicing Agreement. In response, FCI is statutorily required to have an executed Loan Servicing Agreement (***) on file for an account before we can process payments and disburse Lenders funds. We had an issue getting an electronic signature on a *** on a previous account of Mr. ******** and so this time we mailed the *** on September 15, 2022. To date, the signed agreement has not been received, so funds could not be disbursed. We have emailed an electronic version of the agreement to Mr. ****** today. As soon as we receive the executed ***, FCI will disburse the funds.Customer Response
10/19/2022
You dealt with your issue by sending hard copies for signatures both of which I signed and returned. I received an electronic doc for signature yesterday with no problem. Please note that 8 checks were due out 9/16. If in fact you lost or did not recieve my signed hard copy maybe you could have sent out an electronic copy prior to me requesting one since your issue sending electronic docs was obviously solved.Review from Santiago V
1 star09/30/2022
I called them around 7:45 eastern time and I was calling them to let them know I was going to make a big payment since I was behind 3 months of payment. The guy I spoke with asked me if I'm able to make the payment that was past due. He said how much am I able to pay because if the amount they ask is more than I was told before than I can't pay it. He then says to me are you able to pay or not the amount that I was telling him. I said yes. He then tells me if the money bounces for the amount I was going to pay then I would be in bigger problems cause they only give 1 chance. Furthermore he was going to talk with the bank and while I was waiting I was hunged up. I call back again and I get a voice-mail saying he's out of the office. How in the world that I was talking to him and then he's out of the office. I know I'm behind on the payments but they have to realize I'm also paying for electric bills and other things, how can I trust people who don't understand you and know your situation. The worst part is when you are behind a different lawyer sends you a letter about making a payment on the mortgage. How good is thatFCI Lender Services Inc Response
10/06/2022
In response, this loan was modified and brought current in May 2022, with the first payment due on June 1, 2022. At the time of the call on September 30, 2022, the loan was still due for June 1, 2022, and had been referred to an attorney to start foreclosure. On the same call, ************** said he could not pay the full amount to reinstate, so FCI put his call on hold to ask the Lender if they would accept a partial reinstatement. Later that same day ************** was again able to speak with FCI, who confirmed that the Lender had agreed to a partial reinstatement, providing he sent the rest of the outstanding balance shortly thereafter. On September 30, 2022, FCI received the funds to post 3 payments, and the account is now due for 2 more payments for September 1, 2022 and October 1, 2022. ************** has since promised to send more funds on October 28, 2022.Review from Larry C.
1 star01/10/2022
Very poor with communication and customer service. Doesnt respect the individual lenders. Takes for ever to get a loan set up and then serviced.Charges for everything. Took 5 months to get our loans set up. Was suppose to start receiving payments in December. Was charged for loan services without receiving a payment. When they finally answered an email, they responded that if we didnt pay. The invoice, that we would be charged more. They finally sent one check, where they deducted the service fee, but it was suppose to be sent to an *** and they sent it direct to us. That will cost us taxes, and penalties.Think longs and hard before using this company.FCI Lender Services Inc Response
01/13/2022
The review/complaint received by this lender was unfounded and unwarranted based on facts. The service transfer process of these loans was primarily dictated by the prior servicer. A service transfer date of 12/8/21 was agreed upon. Unfortunately, this lender lacks the understanding of the loan servicing transfer process as he immediately expected payments from FCI prior to the transfer date. Because of a due date discrepancy from the prior servicer the borrower payment received in December was not applied contractually until an accurate reconciliation could be performed. The set up form received by the lender indicated that the lender entity was an individual not an *** as he claims in this review. As a courtesy, FCI waived the lender invoice for the month of December (after providing an explanation of the monthly servicing fee). FCI has and will continue to assist this investor with all of his servicing needs.Customer Response
01/25/2022
As the review said, it's a lack of communication. Everything with them is so hard to get right because they will not return calls and emails, except when they want to **** you more. We had to have everything to them as well as the initial set up fees in first week of September. I dispute the set up form did not indicate an ***. The bank, routing number and account number were on the form for the ***. I asked for my loans to be transferred back to us, which is another fee and they still haven't deposited the loan payments in the ***. All I can say is buyer be ****.
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