FCI Lender services became the servicing company for my mortgage loan ~3-4 years ago. I have been paying on the loan since this time with no late or past due payments. Upon refinancing another mortgage I learned none of my payments ere being reported to the credit bureau. In order to pay off this company a verification of mortgage was needed. This process was very complicated and I later found out cost {$25.00}. This charge I was unaware of until I received my monthly statement. On XXXX/XXXX/16 I called in to pay off my loan. Upon speaking to the CSR I was told that I could n't pay off my loan without a payoff. After telling her the amount I was given on the verification she informed me that amount was n't correct and I would need a payoff that would have to be sent in the mail. This would take time and the interest as well as monthly draft would continue. After much discussion, she informed me of the {$25.00} outstanding fee, as well as an {$18.00} fee for phone payment that would be added to the amount that she could not verify as the payoff or not. After making check payment, I was informed the check would take 10 days to clear which could involve further interest as this had to be verified by the lender. I requested to speak with a manager and initially told the manager was gone because they had already closed. Then asked to hold on for her to find someone. XXXX came to the phone and offered no resolution to the issue of waiving any fees and again assured me of the time frames of check clearance and the possibility of further interest accrual. She also informed me the request for a payoff was {$30.00} and the only way to get funds quicker was to wire the money or do cashiers check. Again, more money to simply pay off what was already owed. 
