My complaint with FNC is that they are simply not competent to perform the service they offer. When I refinanced my mortgage, I sent in new paperwork for bi-weekly auto payments from my checking account to pay my Citi Mortgage. Despite the info I sent them, they went ahead and set up my payments to go to the company who sold my mortgage to Citi. When I called FNC to get it straightened out, the first person had no clue. I asked to be transferred to someone further up in the heirarchy and did get someone who knew something, but would take no accountability or responsibility to help me. It landed up back on me to call the other mortgage company to get them to forward the payments to Citi, and FNC then wanted me to resubmit the paperwork that they set up wrong in the first place. In my job, I would never get away with this - how can they?