Mortgages
Fay Servicing: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 129
- Closed with money back
- 0%
- 2023 to 2025
- 40 to 37
Servicemembers filed 9.9% of Fay Servicing's 1,305 complaints in the window, against 2.5% across the directory. The complaints are mostly about mortgage, and the single most common issue is "Trouble during payment process". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count held roughly steady: 40 in 2023 and 37 in 2025.
What the complaints are about
By product
| Mortgage | 98 |
| Debt collection | 13 |
| Credit reporting or other personal consumer reports | 9 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Debt or credit management | 2 |
By issue
| Trouble during payment process | 54 |
| Struggling to pay mortgage | 39 |
| Incorrect information on your report | 7 |
| Problem with a company's investigation into an existing problem | 6 |
| False statements or representation | 5 |
| 2023: 40 | 2024: 52 | 2025: 37 |
Which accounts, specifically
| Conventional home mortgage | 98 |
| FHA mortgage | 21 |
| Credit reporting | 15 |
| Mortgage debt | 14 |
| Other type of mortgage | 9 |
What went wrong, specifically
| Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | 24 |
| Trying to communicate with the company to fix an issue while managing or servicing your loan | 20 |
| Payment process | 16 |
| Escrow, taxes, or insurance | 13 |
| Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu | 11 |
Busiest month: March 2024, with 9 servicemember complaints. Most were submitted by web.
Most complaints came from NY (24), FL (21), GA (12) , then VA, CA, NJ.
How Fay Servicing answered
| Closed with explanation | 129 | 100% |
Fay Servicing responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Mortgage; Struggling to pay mortgage. FL, 2024-08-23. Outcome: Closed with explanation. Complaint 9903289
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Mortgage; Struggling to pay mortgage. SC, 2024-08-22. Outcome: Closed with explanation. Complaint 9884293
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Credit reporting or other personal consumer reports; Incorrect information on your report. FL, 2024-08-14. Outcome: Closed with explanation. Complaint 9781764
If this is your problem at Fay Servicing
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with mortgages peers
- Selene 126 servicemember complaints; 0% with money back
- CrossCountry Mortgage 134 servicemember complaints; 1% with money back
- Ld 137 servicemember complaints; 0% with money back
- Bsi Financial 108 servicemember complaints; 0% with money back
- AmeriHome Mortgage 107 servicemember complaints; 0% with money back
Next in the directory by volume: Eastern Account Systems of Connecticut, Opportunity Financial.
Frequently asked questions
How many complaints did servicemembers file against Fay Servicing?
129 complaints tagged servicemember were received by the CFPB about Fay Servicing, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count held roughly steady: 40 in 2023 and 37 in 2025.
What do servicemembers complain about most at Fay Servicing?
Mortgage accounts for 98 of the 129 complaints, and the most common issue is "Trouble during payment process" (54). Next: "Struggling to pay mortgage" (39).
Does Fay Servicing give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 129 closed with an explanation only. Fay Servicing answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.