Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) CFPB Complaints

Back to Dashboard
2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/12/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NE
  • 685XX
 Web
XX/XX/XXXX XXXX XXXX 9mins48seconds -Told them that I had started a job -Verified all info after being on a long hold, was told to hold again, after long hold call was disconnected XXXX XXXX 2mins53secs -Entered loan info -Call disconnected XXXX XXXX XXXX -Holding for XXXX XXXX -She is on a call and will call back -Call disconnected XX/XX/XXXX XXXX XXXX 2mins37secs -Office is closed hours are from XXXX to XXXX XX/XX/XXXX XXXX XXXX 1min34secs -Office is closed hours are from XXXX to XXXXXX/XX/XXXX XXXX XXXX 1min56secs -Office is closed hours are from XXXX to XXXX XX/XX/XXXX XXXX XXXX 14mins55secs -Says only open until XXXX different departments only open until XXXX -Directs me to XXXX not available -I asked to send her an email to let her know when my lunch is over -Let him know that I need to know status of loan -Let me know XXXX is now available -She didnt understand what I meant when I was asking what the status of my loan is -Says forbearance ends in XXXX -Asked if I received a packet I said no -Said that I should have been sent one will send a request for one to be sent -Was unsure what the loan modification options are -Said she will request and email be sent with loan modification package -Never got an email or mail XX/XX/XXXX XXXX XXXX 2mins35secs -XXXX transferred to bayview -The call was disconnected from their end XXXX XXXX XXXX -XXXX transferred to Bayview -After a long hold the call was disconnected from their end XX/XX/XXXX XXXX (relisten to call) XXXX 15mins52secs -Called XXXX, entered my info, was switched to bayview -Long hold -Account assigned to XXXX XXXX -XXXX not available -Let them know that my calls get disconnected when transferred -Let him know what time I have lunch for email requesting call back -Gave fax and email -Advised cant get into the website XX/XX/XXXX XXXX XXXX 2mins16secs -Office is closed, hours are between XXXX to XXXX XX/XX/XXXX XXXX XXXX 13mins32secs -I let them know that I am trying to get a hold of the person in charge of my loan -The person could not give me any information -They asked when I got off of work -They cant explain why the message says closed during their stated work hours -I gave them my lunch time to be included in a message being sent to XXXX -Transferred me to XXXX voicemail, was unable to leave a message XX/XX/XXXX XXXX XXXX 3mins33secs -XXXX transferred to Bayview -The call was disconnected from their end XXXX XXXX 30mins53secs -Let them know that I am trying to get onto my online account, didnt get a response -Im told that Bayview is open until XXXX -She says that XXXX is always at her desk -She says that she gets calls until XXXX -XXXX # is XXXX -I have now asked several times about my online account, she finally says that she cant help me but that she can transfer me -She says XXXX is at lunch but its almost XXXX there -Loan # is XXXX -She says that she cant tell me anything about my loan, that only XXXX can -She says that Im not in foreclosure -She says that I am 11 payments behind and that the last payment that I had due was XX/XX/XXXX -She said that she doesnt see a forbearance -#s to customer service XXXX and XXXX -Transfers me to customer service, end up getting some other bank who cant pull up my information with my loan number or my social security numberXX/XX/XXXX XXXX XXXX 1min56secs -Message with time open then call disconnectedXX/XX/XXXX XXXX XXXX 59secs -Greeting, dead air, then disconnected (unsure of which end) XXXX XXXX 7mins1sec -Greeting, long hold, disconnected on their end XXXX XXXX 2mins05secs -Got voicemail -Left message explaining that I had 10 minutes left of lunch and what time my lunch is at the next day -Let him know that I keep trying to call the previous person in charge in my loan XX/XX/XXXX XXXX XXXX -XXXX called -Says that hes always been my asset manager and that I have never had any other one -Says my previous asset manager was XXXX -When I brought up the time that it says open but closed he said that planned monitoring is closed at XXXX -Said he is sending package in email and that I will need a password to get the message -Tells me what I need to send -Explains that a trial modification is 3 payments that need to be made on time -I let him know that I cant get onto my online account, he told me that when the account is delinquent the online account is then locked -He said to change it from online to mail that I would need to talk to XXXX but that if I called XXXX it would transfer me to Bayview -I keep telling him that I want to see what is being sent XXXX XXXX 47secs -Got voicemail, I hung up XX/XX/XXXX XXXX XXXX 7mins38secs -Long hold, XXXX was not available, was then told that documents were receivedXX/XX/XXXX XXXX XXXX 47secs -Got voicemail, I hung up XXXX XXXX 2mins28secs -Left message letting him know what time I get off of work XXXX XXXX 47secs -Got voicemail I hung up XX/XX/XXXX XXXX XXXX -Got voicemail, I hung up XXXX XXXX 1min34secs -Left voicemail letting him know that I had 50 more minutes of lunch XXXX XXXX -Got voicemail, I hung up XXXX XXXX 51secs -Got voicemail, I hung up XX/XX/XXXX XXXX XXXX 49secs -Got voicemail, I hung up XXXX XXXX 47secs -Got voicemail I hung up XXXX XXXX 49secs -Got voicemail, I hung up XX/XX/XXXX XXXX XXXX 1min53secs -Left message letting him know that I wanted to know about my loan, I asked him to leave me a voicemail with the information or send an email XXXX XXXX 1min23secs -Got voicemail, I hung up XX/XX/XXXX XXXX XXXX 47secs -Got voicemail, I hung up XXXX XXXX 1min11secs -I transferred the call to try and have him paged -The call was disconnected from their end XXXX XXXX 17mins05secs -I Transferred the call to have XXXX paged -Had to verify everything -After a long hold XXXX answered the phone -Had to verify everything again -Told me that he couldnt see the pictures that I had sent -Said that he would overnight and overnight envelope to me -I let him know that I cant log onto XXXX to see my statements, he ignored me -He was unsure of when my forbearance was ending -He said that I am not in foreclosure -Said that the delinquent amount would go onto the end of my loan if I qualified -Said that it takes around 1 weeks to know if I am approved for a loan modificationXX/XX/XXXX XXXX XXXX 1min13secs -I transferred the call to have XXXX paged -The call was disconnected from their end XX/XX/XXXX XXXX XXXX 6mins36secs -I transferred the call to have XXXX paged -The guy talked to XXXX and asked if the XXXX had been received -I let the guy know that I did receive it and that I would be sending it after workXX/XX/XXXX XXXX XXXX 4mins24secs -I transferred the call to have XXXX paged -The call was disconnected from their end XXXX XXXX 3mins20secs -I transferred the call to have XXXX paged -After someone answered the phone they then transferred me to someone else XX/XX/XXXX XXXX XXXX 5mins44secs -I transferred the call to have XXXX paged -XXXX was not available XXXX XXXX 3mins27secs -I transferred the call to have XXXX paged -The call was disconnected from their end XXXX XXXX 10mins24secs -I transferred the call to have XXXX paged -Had to verify everything -Was transferred back to voicemail instead of XXXX being paged -I transferred the call again to have XXXX paged -Had to verify everything again -Never got to talk to XXXX -It was during the time of the Hurricane XXXX XXXX 3mins -I transferred the call to have XXXX paged -The call was disconnected from their end XX/XX/XXXX XXXX XXXX 14mins05secs -Asked to be transferred to XXXX (had received voicemail from her) -After a long hold XXXX answered the phone -Said that he got everything and that it was submitted XX/XX/XXXX XXXX XXXX 48secs -Got voicemail, I hung up XX/XX/XXXX XXXX XXXX 1min15secs -I transferred the call to have XXXX paged -The call was disconnected from their end XXXX XXXX 1min7secs -I transferred the call to have XXXX paged -The call was disconnected from their end XXXX XXXX 2mins21secs -XXXX answered -I let him know that I missed a call from him -He let me know that there wasnt a reason for the call -I let him know that I keep getting disconnected while waiting on hold -He admits that there are problems with the phone lines between Bayview and XXXX -He told me to send him an email if he doesnt answer (I would but he cant respond) XX/XX/XXXX XXXX XXXX 12mins47secs -I transferred the call to have XXXX paged -Had to verify everything -Had to verify everything again when XXXX answered -He asked what comp time is and I let him know -He told me that I could make a payment before the XX/XX/XXXX to stop the forbearance process should it go that far -He said that he is guessing that my payments will be less with the loan modification -He said that the interest rate should drop if my modification is approved -Told me to call him to make a payment before the XX/XX/XXXX to stop foreclosure XX/XX/XXXX XXXX XXXX 9mins8secs -Asked for XXXX -Says that he might be at lunch, then says that he is not at his desk, then says that he is at lunch -I explained why leaving a voicemail is pointless XXXX XXXX 1min42secs -Dead air XXXX XXXX 5mins21secs -Asked him to page XXXX, he says that he cant -Automated says that the office closed XXXX XXXX 1min42secs -Dead air XX/XX/XXXX XXXX XXXX 1min12secs -I transferred the call to have XXXX paged -The call was disconnected from their end XXXX XXXX -I transferred the call to have XXXX paged -I was told that the system was being updated and to call back in an hour XXXX XXXX 1min20secs -I transferred the call to have XXXX paged -The call was disconnected from their end XXXX XXXX XXXX -I transferred the call to have XXXX paged -The call was disconnected from their end XXXX XXXX 1min6secs -I transferred the call to have XXXX paged -The call was disconnected from their end XXXX XXXX 58secs -I transferred the call to have XXXX paged -The call was disconnected from their end XXXX XXXX 1min7secs -I transferred the call to have XXXX paged -The call was disconnected from their end XXXX XXXX 2mins48secs -Left a voicemail letting him know that I had been calling all day since I had the day off -I let him know that I was trying to make a payment and that I cant get a hold of him XXXX XXXX 46secs -Got voicemail, I hung up XXXX XXXX 3mins52secs -Left a voicemail about the letter I had just received -I let him know that XXXX wasnt my kid and has never been my child XX/XX/XXXX XXXX XXXX 17mins8secs -I transferred the call to have XXXX paged -System is still being updated -Was transferred to XXXX -XXXX answered the phone -He said that the faxed document that he received in XX/XX/XXXX was not on XXXX but that it was on XXXX (I couldnt find the information right away to confirm but when I found it the court paper was on XXXX and XXXX name was only on the calculation page for the amount received for her to go into the child support calculation) -Said that he was sending something saying that XXXX is not my child -Said XXXX decree was not acceptable -Said that he needs the decree for XXXX -Said that he needs decrees for all of the kids except for XXXX (XXXX decree) -Said that I need to send a statement on how child support is on the bank statements and amounts XX/XX/XXXX XXXX XXXX 27mins44secs -I transferred the call to have XXXX paged -The person who answered had no idea who he was and asked what department that he is in -I let her know that he can be emailed -She placed me on hold -Someone else answered -He said that XXXX cannot be paged and that I am not allowed to talk to him -I had to verify my information again -He let me know that my package had been received and that there wasnt any other information that was needed -I told him that I had received a letter that I did have information that I needed to send and that I only sent part of it so far -I was placed on hold -The same guy said that I never had a forbearance -I asked to speak to someone that knew about my loan since he wouldnt let me speak to XXXX -He said that notes show that everything requested has been received -I told him that I havent sent everything -He sent me to customer service to get into my online account -I was finally able to get onto my online account XXXX XXXX 2mins15secs -Called XXXX was transferred to Bayview XXXX XXXX 15mins42secs -Verified all of my information -I was told that they cant help me with the website -Finally found out that I had been transferred to Bayview even though I had called XXXX -I was told that in order to talk to XXXX that I should not push a single button, not for any of the options and not even to put the last four of my social security number when requested -Was transferred to XXXX -Had to verify all of my information again -I was told that I probably cant make a payment -I was then told that a payment wouldnt make any difference on my account even if I made one -Told me again that the website is suspended since I was past due even though I told him that I wanted to see my statements XX/XX/XXXX XXXX XXXX 2mins28secs -Got voicemail -I left a message to see if my information was received -I let them know that I had 40 minutes left of lunch and what time my lunch was the next day XX/XX/XXXX XXXX XXXX 4mins48sec -XXXX answered -Said that he did not receive court ordered child support but got the payment schedule -He gave me XXXX information XXXX XXXX 15mins41secs -Talked to XXXX -She says that one of the emails has no attachments -Says that she received the attachment for XXXX -She says that she received 88 pages of child support payments and says that it will cover the bank statement that was requested -I asked her if she could let me know if she receives my documents, she says that she cant leave a detailed message, she can send an email but it is too time consuming, I let her know when my lunch was the next day but she said that she wasnt sure if she would be able to call during that time XX/XX/XXXX XXXX -Called XXXX -Got voicemail -Left a message asking if she received the documents that I emailed on Thursday, also asked if she could respond by email, I let her know how much of my lunch was left XXXX XXXX 5mins3secs -Called XXXX -She said that she didnt receive any emails -She then said that she had 3 emails that had attachments including the 3 decrees that werent transferring before, I let her know that that was all that I was missing (even though I had already sent them all several times before) and that I sent it right after we had gotten off of the phone XX/XX/XXXX XXXX XXXX 7mins48secs -Called XXXX -Asked if she had heard anything -She said that she had just submitted it yesterday and that it takes 24hrs to 5 business days -Asked about foreclosure letter, I let her know that it said to contact the underwriter, later reread it and said that it said the undersigned -She told me to contact the attorney and that it helps if they know that they are on the same page -She said that there is no date for foreclosure -She said that payments will start right away in XX/XX/XXXX XXXX XXXX 51secs -Called XXXX -Got voicemail, I hung up XX/XX/XXXX XXXX XXXX 50secs -Called XXXX -Got voicemail, I hung up XXXX XXXX 3mins24secs -Called XXXX -Left a voicemail -I told her that I dont understand why they are sending a request for information on why there is more than XXXX in the bank account for child support when I had already sent all of the court orders that clearly equal more than $XXXX a month XX/XX/XXXX XXXX XXXX 8mins34secs -Called XXXX -I let her know that I am very confused about the letter received that was password protected -She said that I sent a lot of paperwork and she isnt sure what are duplicates -She said that she needs itemized child support, I let her know that I had already sent that -She keeps asking for stuff that I had already sent and that she had said was received -The call didnt record her end once I turned speaker phone off -She tries to keep me on the phone when I explain that my break is done and that I have got to go XX/XX/XXXX XXXX XXXX 2mins30secs -Called XXXX -Left message telling her that I saw that she called and left the time that I would be on my lunch break the next day XX/XX/XXXX XXXX XXXX 1min30secs -Called XXXX -Left message reminding her what time my lunch break was XX/XX/XXXX XXXX XXXX 3mins29secs -Called XXXX -Left message letting her know that I never received a call. I asked if she could email or mail the reason that she called, told her that I wanted to know what was going on and let her know what time I got off of work XX/XX/XXXX XXXX XXXX 1min18secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 1min26secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 1min40secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 1min41secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 1min07secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 1min25secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 1min10secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 2min32secs -Called XXXX -Left message to make sure that they had everything and to ask what was going on XX/XX/XXXX XXXX XXXX 1min10secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 1min07secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 1min38secs -Called XXXX -Left message that the vm was different and not sure if it was hers or not, let her know what time I get off of work XX/XX/XXXX XXXX XXXX 1min13secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 6min07secs -Called XXXX -Transferred to a different agent was on hold for the rest of my break, had to end the call XX/XX/XXXX XXXX XXXX 12min27secs -Called XXXX, transferred to a different agent -Asked to have XXXX paged -Said that everything was submitted on the XX/XX/XXXX -Said that she received the request to remove the child support from my application, said that she sent it XX/XX/XXXX XXXX XXXX 1min51secs -Called XXXX -Left message telling her that I had forgotten to ask a question -Asked about the mortgage payment amount that they were requesting on the modification paperwork XX/XX/XXXX XXXX XXXX 1min08secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 41secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 1min25secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 35secs -Called XXXX did not leave message XX/XX/XXXX XXXX XXXX 1min50secs -Called XXXX -Left message letting her know how much of a break that I had left and what time that I got off of work XX/XX/XXXX XXXX XXXX 2min22secs -Called XXXX -After being on hold call was disconnected by company XX/XX/XXXX XXXX XXXX 38min59secs -Called XXXX -Asked what my late fees are -Asked what the modification consisted of. What made the two separate amounts and what my monthly payment consisted of -After holding Im told my loan will be $XXXX. Out of the $XXXX, $XXXX will be principle and interest, $XXXX. 30 year fixed mortgage at 4.5% interest rate. Said that I have a partial claim and a deferred amount on my account that are non-interest bearing and not included in the loan amount. The amounts being $XXXX is a HUD loan (not included in the principle balance) and $XXXX says that it is non interest but that it is included in the actual mortgage agreement but is also put on the back of the loan with the $XXXX. -I confirmed that I had $XXXX that is not being included in the $XXXX payment and she confirmed that I was correct. -She said that my new balance is $XXXX -She told me that I was $XXXX past due, that included 18 payments that were past due -She told me that they were taking $XXXX off of what my mortgage payment would be (referring to the $XXXX loan that was to be paid) -I asked her how $XXXX was added to my loan, that was never explained as we went into why I would have ever gone into foreclosure given that fact that I had gotten everything in before a foreclosure was ever processed or put on my account -She transferred me to a manager but I had to get back to work from lunch and had to end the call (they are only open during my work hours) XX/XX/XXXX XXXX XXXX 34mins35secs -Called XXXX (employee number XXXX) -Said that my loan was still in active loss mitigation -Was surprised that the paper work didnt tell me any information -I asked her about the extra payments she put me on a long hold -When she came back she wanted to transfer me to customer service, I asked her if that was who had transferred me to her, she said yes and that she didnt know why -I told her that I want to know what the $XXXX was that I had to pay off at the end of the loan -She told me that the amounts that were being put at the end of the loan were $XXXX, unpaid principle balance will be $XXXX, the $XXXX is the total amount that Im due for, the 18 months, from XX/XX/XXXX to, that includes payments and escrow, late charges, property inspections -Told her that I need to know what all the fees are itemized -She told me that it was all right there in the writing -I told her that it doesnt say anything about $XXXX -From her, late fees of $XXXX -She had no idea about the $XXXX (its $XXXX I remembered the wrong amount when I told her) -She told me nothing was added to the loan -After it is modified my unpaid principle balance is going to be $XXXX -The $XXXX is what is being rolled back into the loan -She had no idea about the $XXXX (its $XXXX I remembered the wrong amount when I told her) -Said that the $XXXX is the unpaid principle balance -Said that the $XXXX is the one being put to the end of the loan, thats how Im getting the $XXXX -Asked about the $XXXX, was put on hold and then disconnected by them XX/XX/XXXX XXXX XXXX 28mins40secs -Called XXXX (employee number XXXX) -Told me that my loan was being reviewed and that they are preparing my mod agreement -I told her that the mod agreement had already been done -I asked her what the extra charges were, she told me that she couldnt give me that amount, that the foreclosure attorney needed to give me that -She told me that she had no idea what I am paying -After a long hold she told me that the $XXXX is from HUD -Told me that the money was to help but wouldnt tell me what they helped with -A supervisor got on the phone (XXXX XXXX? Employee number XXXX) -The $XXXX is coming from FHA/HUD to make my payments affordable -He told me that the terms are the terms I can either sign them or not -Told me that there are no additional documents that anyone would send me -Said that the $XXXX is a reduction of my principle so that I can have my payments that I can afford them -Said that the $XXXX is the delinquency of the loan that accrued due to the foreclosure -Then said that the delinquency is $XXXX, they are adding $XXXX fees for the foreclosure -Said again that I dont have to accept the terms of the modification but then that I need to bring myself current or the foreclosure process continues -I asked why they wont give me anything detailed about my loan, I asked why they are refusing to tell me why my loan has increased so much, he said that he already told me why -He said that he wont explain it to me again -The $XXXX is money from HUD as a principle reduction to keep my payments down to where I can afford it going forward -Told me again to not accept the modification because I want to know why my loan is being increased by so much XX/XX/XXXX XXXX XXXX 4mins58secs -Called HUD -Told them that I wanted to know how $XXXX got added onto my loan -Asked me what I was talking about -Told me that it was from my modification -Told me that I needed to request a breakdown -Told her that I had already requested it -She told me that she doesnt know what its for and that I need to contact XXXX -I let them know that they wont tell me what it is -She said that HUD did pay that amount -Said that she is sending it to a HUD specialist who will contact me with more questions After getting out a loan forbearance I tried for 6 months to get a modification done. It took months before I actually got a hold of anyone that could help me. I sent the information that they request over and over and over again. At times they told me that they didn't get it, other times they said that they did, but it wasn't being processed, each time I sent something I had to wait a week until they made a decision but it would take days to get a hold of anyone to know, when I did get a hold of someone I was told that they were still missing something, even though it was the same stuff that I had already sent. I have all calls recorded and all emails in my sent box to show what I had sent. During the time that they were doing the modification they sent me to foreclosure even though I was doing everything that I needed to. I have been denied statements. There are no statements that show up even though I receive electronic statements. The company refuses to tell me what any fees are. These are just the calls that I have gone through. I have many more.
06/18/2020 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OH
  • 431XX
 Web Older American
XX/XX/XXXX CFPB COMPLAINT ON FRAUDULENT 14 YEAR OLD HELOC FORECLOSURE COMPLAINT DEAR CFPB, ALL THE INFORMATION BELOW IS EASILY VERIFIED BY DOCUMENTATION AND TELEPHONE RECORDINGS WITH ALL RELEVANT PARTIES. PLEASE FIND BELOW, THE RELEVANT INFORMATION AND DOCUMENTS NECESSARY FOR YOUR REVIEW OF WHAT WE AND OTHERS KNOW TO BE A FRAUDULENT, ILLEGAL, UNDOCUMENTED ATTEMPT TO TAKE OUR HOME VIA AN ILLEGAL FORECLOSURE COMPLAINT BASED ON A PREVIOUSLY DISCHARGED, THEN CANCELLED, THEN TIME BARRED, THEN DISCHARGED AGAIN DUE TO STATUTE OF LIMITATIONS, ON A 14 YEAR OLD HOME EQUITY LINE OF CREDIT, ( HELOC ) LOAN FOR {$32000.00} PER YOUR REQUESTED 5 STEP PROTOCOL, PLEASE SEE THE FOLLOWING. 1. WHAT IS THE COMPLAINT ABOUT? WE ARE A XXXX YEAR OLD PRO SE DEFENDANT COUPLE WITH VERY LITTLE KNOWLEDGE OF THE FORECLOSURE PROCESS WHO ARE TRYING TO FIGHT A FRAUDULENT FORECLOSURE ACTION ON A 14 YEAR OLD HOME EQUITY LINE OF CREDIT ( HELOC ) FOR WHICH THERE IS NO LONGER PROPER VERIFICATION AVAILABLE TO PRO SE DEFENDANTS AND CONSUMERS ACCORDING TO ALMOST ALL RELEVANT THIRD PARTY SOURCES STATEMENTS TO US, AS WELL AS OBVIOUS ATTEMPTS TO OBSTRUCT OUR GETTING THE PROPER DOCUMENTATION REQUIRED TO DEFEND OURSELVES, IF IT EVEN EXISTS. OUR COMPLAINT CONCERNS THE LEGITIMACY OF ALMOST EVERY ASPECT OF THE FORECLOSURE ACTION AGAINST US, FROM THE ORIGINATION IRREGULARITIES SITED BY XXXX XXXX, TO PROCEDURAL VIOLATIONS, LACK OF STANDING, LACK OF COMPLETE AND PROPER DOCUMENTATION AND RESPONSE, MULTIPLE REDACTIONS, POSSIBLE FRAUDULENT AND MISLEADING, CONTRADICTORY RECORDED STATEMENTS INVOLVING MULTIPLE PARTIES ENGAGED IN THE PROCESSING, HOLDING, TRANSFER VIOLATIONS, EMBEZZLEMENT, AND/OR THE NON APPLICATION OF A 1099-C CANCELLATION OF DEBT SITED IN DOCUMENTS ISSUED BY 2 FEDERAL AGENCIES, XXXX XXXX AND THE IRS. THERE ARE MULTIPLE ISSUES IN THE IMPROPER ORIGINATION OF THIS LOAN THAT ARE A MATTER OF RECORD AND CONSTITUTE ISSUES OF MATERIAL FACT. THERE HAS BEEN A CONSISTENT AND DELIBERATE LACK OF TRANSPARENCY AS WELL AS ATTEMPTS TO CONCEAL, MISLEAD AND OTHERWISE CREATE CONFUSION AND AMBIGUITY CONCERNING THE STATUS AND LEGITIMACY OF THIS DEBT, RESULTING IN DOCUMENTED MALFEASANCE, MISFEASANCE AND NONFEASANCE BY MULTIPLE PARTIES INVOLVED AND THEREFORE RESTRICTING THE CONSUMERS RIGHTS TO DUE DILIGENCE AND THUS HARMING OUR CONSTITUTIONAL RIGHT OF DUE PROCESS, IN DEFENDING OURSELVES AS PRO SE DEFENDANTS, AGAINST THIS UNSUPPORTED FRAUDULENT FORECLOSURE ACTION AGAINST OUR HOME OF 33 YEARS. WE BELIEVE, AND ARE CONFIDENT WE CAN PROVE THE ILLEGAL ACTION AGAINST US TO BE A FRAUDULENT ATTEMPT TO COLLECT A FRAUDULENT DEBT, BY CORRUPTED THIRD PARTY DEFENDANTS AND PLAINTIFFS THAT WE BELIEVE DO NOT HAVE LEGAL STANDING IN AN ATTEMPT TO COLLECT WHAT WE BELIEVE TO BE A PREVIOUSLY RESOLVED DEBT, WHICH THEREFORE REPRESENTS AN ILLEGAL ACTION AGAINST US. THIS IS CLEARLY A THINLY VEILED ATTEMPT TO BULLY HOMEOWNERS INTO SETTLING WITH PRETENDER LENDERS ON FRAUDULENTLY TRUMPED UP, UNSUPPORTED, TIME BARRED DEBTS TO TARGET DEFENDANTS THAT DO NOT HAVE FINANCIAL MEANS TO DEFEND THEMSELVES IN HOPES OF BULLYING, BLACKMAILING AND EXTORTING PAYMENT IN LIEU OF AND WITHOUT AFFORDABLE LEGAL DEFENSE, WHICH IS WHY WE NEED YOUR ASSISTANCE TO MAKING THEM PROVIDE ALL DOCUMENTS RELATING TO AND RELEVANT TO THEIR CLAIMS OF STANDING TO COLLECT THIS FRAUDULENT, PREVIOUSLY RESOLVED, TIME BARRED DEBT, THE LEGITIMACY OF THE DEBT THEY HAVE ACQUIRED, AND THE PROCESS BY WHICH THEY ACQUIRED THE DEBT, INCLUDING ALL BILLING AND PAYMENT DOCUMENTS, INTEREST AND TIME STAMPED BALANCES TO DOCUMENT THEIR DEBT TOTALS CLAIMS MADE IN THEIR COMPLAINT OVER THE LIFE OF THE LOAN, ALL NOTIFICATIONS SENT TO US OF ANY AND ALL TITLE TRANSFERS, ANY 1099-C CANCELLATION TRANSACTIONS ASSOCIATED WITH THIS LOAN. WE REQUEST ANY AND ALL DOCUMENTS RELATING TO THIS LOAN BE SENT TO US, INCLUDING ALL PRIVATE AND PUBLIC AGENCIES DOCUMENTS INCLUDING XXXX XXXX AND ALL TRANSFER AND BILLING RECORDS GOING BACK TO THE ORIGINATION OF THE LOAN FORWARD, AS ARE REQUIRED BY LAW BY THE CURRENT ALLEGED OWNERS OF THE DEBT, VERIFICATION OF THE DEBT AND A COPY OF THE JUDGMENT. THESE ILLEGAL ACTIVITIES REPRESENT CONSUMER FRAUD, PREDATORY FRAUDULENT DEBT COLLECTION, UNDOCUMENTED, OBSTRUCTIVE AND NON-TRANSPARENT ACTIONS AGAINST CONSUMERS AND BORROWERS WITHOUT PROPER AND COMPLETE DOCUMENTATION OR JUST CAUSE TO DO SO. FURTHER WE BELIEVE THIS MAY VERY WELL INVOLVE MAIL FRAUD, ABUSE OF PROCESS, MISLEADING AND UNTRUTHFUL STATEMENTS WE HAVE RECORDED AND FRAUD ON MANY LEVELS BY MULTIPLE PARTIES DUE TO GROSS LACK OF DUE DILIGENCE IN ORIGINATING AND ILLEGALLY TRANSFERRING THIS LOAN. 2. WHAT TYPE OF PROBLEM ARE WE HAVING? OBSTRUCTION, MISLEADING INFORMATION AND A TOTAL LACK OF TRANSPARENCY. UPON MULTIPLE INQUIRIES TO ALL THE PARTIES INVOLVED FROM THE ORIGINATION OF THIS LOAN FORWARD, WE WERE TOLD THIS LOAN WAS TOO OLD TO HAVE ANY PROPER DOCUMENTATION. AFTER NOT HAVING HEARD ANYTHING FROM ANYONE FOR 9 YEARS, MY WIFE AND I SUDDENLY ENCOUNTERED ALL OF THE FOLLOWING : WHICH INCLUDES EVERYTHING FROM A TOTAL LACK OF COOPERATION TO DOWNRIGHT OBSTRUCTION OF OUR EFFORTS TO PROPERLY RESEARCH, DEFEND OR RESPOND TO THIS FORECLOSURE COMPLAINT ON OUR HOME OF 33 YEARS. OUR FIRST MORTGAGE HAS BEEN CURRENT FOR MANY YEARS NOW. BUT WE HAVE GOTTEN NO BILLING, INQUIRIES, ANNUAL STATEMENTS, NOTIFICATIONS, NOTHING FOR 9 YEARS CONCERNING THIS HELOC 2ND MORTGAGE UNTIL VERY RECENTLY FOR THIS FORECLOSURE ACTION WITH THE SOLE EXCEPTION OF A 1099-C IN XX/XX/XXXX, FROM 2 FEDERAL AGENCIES ; XXXX XXXX AND THE IRS THAT SHOULD HAVE CANCELLED THIS LOAN, AS DOCUMENTATION OF THE CANCELLATION REQUIRED US TO PAY TAXES ON THIS CANCELLED LOAN. THIS HAPPENED AT EXACTLY THE SAME TIME OUR 1ST MORTGAGE WAS SOLD. WHEN OUR 1ST MORTGAGE WAS SOLD, WE RECEIVED THE 1099-C CANCELLATION OF DEBT SHORTLY AFTER AND ALL COMMUNICATION CONCERNING THE HELOC CEASED UNTIL THIS COMPLAINT WAS FILED ALMOST 8 YEARS LATER IN LATE XXXX. WE HAVE EXPERIENCED A TOTAL LACK OF ANY PROPER RESPONSE AND TRANSPARENCY AFTER REPEATED REQUESTS BY THE OHIO ATTORNEY GENERALS OFFICE AND OTHERS FOR ALL NECESSARY AND RELEVANT INFORMATION, PROPER DOCUMENTATION AND COOPERATION NECESSARY FOR US TO DEFEND OURSELVES IN THIS FRAUDULENT, ILLEGAL FORECLOSURE COMPLAINT. WE HAVE ENCOUNTERED A SUBSTANTIAL, DELIBERATE AND DAMAGING LACK OF TRANSPARENCY, COOPERATION, CONSISTENCY OF RESPONSE IN AN ATTEMPT TO ENGAGE AND RESPOND TO PLAINTIFFS ( XXXX XXXX XXXX XXXX ) COMPLAINT OF FORECLOSURE ON OUR HOME, TO INCLUDE, BUT ARE NOT LIMITED TO MULTIPLE REDACTIONS IN DOCUMENTS, CONFLICTING, CONTRADICTORY, MISLEADING AND INCONSISTENT EXPLANATIONS OF FACT FROM MULTIPLE PARTIES INVOLVED, CONFLICTING DOCUMENTATION, NON RESPONSES FOR INFORMATION, ALL OF WHICH HAVE DELAYED AND DENIED OUR DUE DILIGENCE AND THEREFORE NECESSARILY, OUR CONSTITUTIONALLY GUARANTEED DUE PROCESS RIGHTS IN DEFENDING THIS LEGAL ACTION AGAINST US AND HARMED OUR ABILITY TO PROPERLY RESPOND, AND DEFEND OURSELVES AGAINST THIS FORECLOSURE ACTION IN THE COURTS. ADDITIONALLY, IN OUR ATTEMPT TO DEFEND OURSELVES WE HAVE ENCOUNTERS MULTIPLE REDACTIONS, INTENTIONALLY MISLEADING STATEMENTS, MULTIPLE CONTRADICTION TO THE SAME QUESTION FROM THE SAME PARTIES AND A TOTAL LACK OF COOPERATION TO DOWNRIGHT OBSTRUCTION IN OUR ATTEMPTS TO RESPOND TO THESE FALSE CLAIMS AND TO DEFEND OURSELVES AND OUR HOME. WE HAVE BEEN TOLD REPEATEDLY, BY MULTIPLE THIRD PARTIES, INVOLVED RELEVANT PARTIES AND PREVIOUS OWNERS OF THIS DEBT, THAT THIS LOAN IS SIMPLY TOO OLD TO HAVE PROPER DOCUMENTATION ON THIS 14 YEAR OLD LOAN, YET THIS COMPLAINT IS BASED ON WHAT THE PLAINTIFFS CLAIM IS SUFFICIENT DOCUMENTATION THAT IT HAS FAILED TO PRODUCE IN ITS ENTIRETY. WE HAVE RECEIVED NO BILLING, INQUIRIES, ANNUAL STATEMENTS, NOTIFICATIONS, JUDGMENT, NOTHING FOR 8 PLUS YEARS CONCERNING THIS HELOC 2ND MORTGAGE UNTIL VERY RECENTLY FOR THIS FORECLOSURE ACTION WITH THE SOLE EXCEPTION OF THE AFOREMENTIONED 1099-C, CANCELLATION STATEMENT FORM ISSUED BY XXXX XXXX AND THE IRS, REQUIRING US TO PAY TAXES ON THIS CANCELLED DEBT IN XX/XX/XXXX. THE EFFORTS BY XXXX XXXX, XXXX XXXX XXXX ( NOW MERGED WITH XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX AND XXXX XXXX XXXX ATTORNEYS FOR PLAINTIFF ) HAVE ONLY FURTHER CREATED AMBIGUITY AND CONFUSION FOR MY WIFE AND I IN OUR ABILITY TO PROPERLY DEFEND AND RESPOND TO THIS FORECLOSURE COMPLAINT BY THEIR LACK OF PROPER RESPONSE FOR COMPLETE DOCUMENTATION OF THE LEGITIMACY OF THIS COLLECTION EFFORT. WE ARE UNABLE TO AFFORD AN ATTORNEY AND UNABLE TO OBTAIN THE REPRESENTATION OF AN ATTORNEY AT THIS TIME. BUT THAT MAY NOT ALWAYS BE THE CASE, BASED ON NEW INFORMATION WE HAVE UNCOVERED IN OUR OWN RESEARCH AND DEFENSE OF THIS COMPLAINT. WE BELIEVE THIS CASE DESERVES TO BE INVESTIGATED AS TO REGULATORY AND PROCEDURAL VIOLATIONS THAT WOULD INFORM THE NEED FOR COUNTERCLAIMS / CROSS CLAIMS, RELATED TO MALFEASANCE, MISFEASANCE AND NONFEASANCE AND ITS BROADER IMPLICATIONS TO MOVE THE LAW TO THE BENEFIT OF UNTOLD NUMBERS OF HOME OWNERS AND CONSUMERS VICTIMIZED BY THE ILLEGAL PRACTICES. ADDITIONALLY, XXXX XXXX XXXX XXXX SENT US A WARNING LETTER WITHOUT PROPER LANGUAGE CONCERNING OUR RIGHT TO DISPUTE. THE ORIGINAL COLLECTION LETTERS DID NOT TELL US WE HAD THE RIGHT TO DISPUTE THEIR ALLEGATIONS AND COMPLAINT, BUT SPECIFICALLY STATED -- ONLY WHAT WE WOULD NEED TO DO IF WE DID TRY TO DISPUTE THEIR CLAIMS. THE LETTER WAS VERY SPECIFIC AND STATES CLEARLY THAT WE HAVE THE RIGHT TO REINSTATE AFTER ACCELERATION AND OTHER STIPULATIONS BUT SOMEHOW FAILS TO CLEARLY STATE OUR RIGHTS TO DISPUTE -- CLEARLY STATED FOR THE CONSUMER. THIS IS VERY MISLEADING, BY OMISSION, TO MANY I AM SURE AND NOT THE INTENTION OF THE LAW AND WHAT IT IN FACT ACTUALLY REQUIRES WHICH IS TO INFORM US THAT WE HAVE THE RIGHT TO DISPUTE THIS DEBT IN COURT AND OTHERWISE. IT IS HARD IMAGINE WITH SUCH SPECIFICITY ON OTHER TOPICS AND RIGHTS CLEARLY STATED WITHIN THE DOCUMENT THAT THIS WAS SIMPLY AN OVERSIGHT AND NOT INTENDED TO DIMINISH AND MARGINALIZE A CONSUMERS RIGHTS TO DISPUTE AS REQUIRED BY LAW.! 3. WHAT HAPPED? THE 1099-C CANCELLING OF DEBT, SENT BY THE IRS, DATED XX/XX/XXXX AND FILED BY XXXX XXXX, 2 FEDERAL AGENCIES, WAS NOT, AND HAS NOT BEEN PROPERLY APPLIED AND THEREFORE REPRESENT FRAUDULENT AND RECKLESS ABANDONMENT BY THE OWNERS OF THE LOAN, IN AN ATTEMPT WRITE OFF, CANCEL, DIVIDE THE LOAN, DISCHARGE MULTIPLE TIMES, TO ILLEGALLY TRANSFER A FRAUDULENT, ILL CONCEIVED DEBT, THAT CAN NOT BE SEPARATED OUT FROM THE OBVIOUS CONFUSION, CONFLICTS AND CONTRADICTION CREATED BY THE ORIGINATORS OF THE LOAN XXXX AND THE OTHER PARTIES INVOLVED IN WHAT ANY REASONABLE PERSON WOULD SEE AS A CONCERTED, COORDINATED, CONSISTENT RACKETEERING EFFORT TO UNLAWFULLY TRANSFER AND OR COLLECT WHAT IS AND SHOULD BE A NON EXISTENT, TIME BARRED, PREVIOULY CANCELLED DEBT, RIDDLED WITH FALSE & MISLEADING STATEMENTS, ORIGINATION AND TRANSFER IRREGULARITIES AND VIOLATIONS AND ILLEGALLY CREATED ORIGINATION IRREGULARITIES, OMISSIONS, AND VIOLATIONS HAVE CREATED AND GIVEN RISE TO MULTIPLE ISSUES OF MATERIAL FACT. WE ALSO HAVE RECEIVED DEMANDS FOR MULTIPLE CONFLICTING SUMS AND EXPERIENCED DUAL ACTIONS DURING THE NEGOTIATION OF OUR LOAN MODIFICATION WHICH DID NOT SHOW THE PROPER APPLICATION OF THE 1099-C CANCELLATION OF DEBT, OTHERWISE WE WOULD HAVE INCLUDED. WHAT WE THEN THOUGHT TO BE A CANCELLED DEBT, IN OUR MODIFICATION NEGOTIATION, THEREFORE HARMING AND DAMAGING OUR LEGITIMATE FINANCIAL OPTIONS AND WELL BEING. XXXX XXXX HAS CONFIRMED THE 1099-C CANCELLATION THEY SENT TO THE IRS, BUT THEY, XXXX AND OTHERS THIRD PARTIES CLAIM THE LOAN IS TOO OLD AND CAN NOT OR WILL NOT PROVIDE REQUESTED INFORMATION FOR TRACKING THIS ACTION SO WE CAN CONFIRM RELEVANT DETAILS OF WHO, WHEN AND HOW THESE ILLEGAL ACTIONS TOOK PLACE. THE FORECLOSURE COMPLAINTS ACCURACY IS VERY MUCH IN DOUBT, FROM THE AMOUNTS CLAIMED TO BE OWED, PROCEDURAL VIOLATIONS AND LACK OF DUE DILIGENCE, TO ABUSE OF PROCESS, ILLEGAL AND MISLEADING TITLE TRANSFERS, AND MULTIPLE REDACTIONS RESTRICTING AND OBSTRUCTING OUR ABILITY TO DEFEND OURSELVES TO CLARIFY WHAT WE BELIEVE TO BE DELIBERATE, DOCUMENTABLE COUNTER/CROSS CLAIMS ON MULTIPLE LEVELS, AS IT RELATES TO WHO WAS AND WAS NOT THE LEGAL OWNERS, WHO HAD STANDING TO COLLECT AND SERVICE THE ILLEGALLY CONCEIVED AND EXECUTED LOAN DURING 8 YEARS WITHOUT ANY COMMUNICATIONS. THERE IS TOTAL OBSTRUCTION OF ALL INFORMATION CONCERNING THE TIMING, OWNERSHIP AND LACK OF PROPER APPLICATION OF THE 1099-C CANCELLATION OF DEBT, STATUTE OF LIMITATIONS ISSUES AND THE ILLEGALITY OF ATTEMPTING TO TRANSFER A NON NEGOTIABLE INSTRUMENT. WE REQUESTED, BECAUSE OF THE ABOVE STATED OBSTRUCTION, AND WERE SUBSEQUENTLY GRANTED A 60 EXTENSION BY THE COURT, FOR THE SPECIFIC ABOVE STATED REASONS, IN HOPES OF UNTANGLING ALL THE AMBIGUITY, OBSTRUCTION, MISLEADING AND FRAUDULENT INFORMATION, FACILITATED BY PLAINTIFFS AND OTHER ABOVE STATED THIRD PARTIES IN A COORDINATED EFFORT TO DENY CONSUMERS ACCESS TO THIS RELEVANT INFORMATION AND DOCUMENTATION IF IT DOES IN FACT EVEN EXIST IN REALITY. I AM TOLD IT IS ONLY A DENIAL OF MY RIGHTS OF DUE PROCESS IF PLAINTIFFS DONT SUPPLY THAT INFORMATION TO THE COURT BUT HOW WOULD THE AVERAGE CONSUMER COMPEL THAT RESPONSE WITHOUT LEGAL COUNSEL? THIS IS NOT JUSTICE, FAIR OR THE SPIRIT OF THE LAW IN SECURING CONSUMERS DUE PROCESS IN DEFENDING THEMSELVES, PARTICULARLY WITH REGARD TO PROPER FORECLOSURE DEFENSE. WE HAVE DISCOVERED IN THIS PROCESS, ISSUES OF MATERIAL FACT, AND MUCH TO OUR SURPRISE, THAT A XXXX CANCELLATION OF DEBT, ISSUED BY XXXX XXXX AND THE IRS THAT XXXX XXXX WAS AWARE OF, WAS NOT PROPERLY APPLIED. IN FACT IT WAS NOT APPLIED AT ALL FROM WHAT WE HAVE FOUND. WE ASSUME SINCE THE 1099-C WAS ISSUED BY THE IRS, THAT THE OWNERS OF THE LOAN AT THAT TIME XXXX XXXX OR BAYVIEW/ XXXX XXXX, THAT ALL PARTIES MUST HAVE BEEN AND SHOULD HAVE BEEN AWARE OF THIS CANCELLATION OF DEBT ISSUED BY THE XXXX XXXX , WERE USED AS A TAX WRITE OFF FOR THE BANK BUT WERE NOT PROPERLY, IF AT ALL, APPLIED TO OUR LOAN, BUT WERE REALIZED BY XXXX XXXX/BAYVIEW/XXXX BANK AND THEN LATER BENEFITED FROM SELLING THE LOAN TO OTHER PARTIES. THEREFORE, THERE ARE TENS OF THOUSANDS OF DOLLARS OF CANCELLED DEBT THAT WERE NOT APPLIED BY XXXX OR BAYVIEW/XXXX TO OUR ACCOUNT AND IS THEREFORE MISSING FROM OUR ACCOUNT WHILE XXXX, WHO OWNED BOTH OUR 1ST MORTGAGE AND HELOC LOAN, HAVING COMMITTED GRAVE ORIGINATION ILLEGALITIES, DIVIDING AND SEPARATING WHAT ORIGINATED AS A SINGLE LOAN, WHEN CLOSING BOTH THESE NO DOC, INTEREST ONLY LOANS ON THE SAME DAY. XXXX SOLD OUR 1ST MORTGAGE IN XX/XX/XXXX. BUT AFTER THE 1ST MORTGAGE WAS SOLD, THE HELOC DISAPPEARED COMPLETELY, ONLY TO SUDDENLY RESURFACE IN LATE XXXX AFTER ALMOST 9 YEARS, EXCEPT FOR THE 1099-C CANCELLATION OF DEBT DOCUMENT THAT WE RECEIVED IN XXXX, 3 PLUS MONTHS AFTER XXXX SOLD OUR MORTGAGE, LEADING US TO BELIEVE THE 1099-C HAD BEEN PROPERLY APPLIED TO OUR HELOC WHICH COMPLETELY DISAPPEARED OFF THE RADAR AT THAT SAME TIME. XXXX STATED IN RECORDINGS TO ME, THAT THEY DISCHARGED OUR HELOC IN XXXX, WHEN THEY SOLD OUR XXXX MORTGAGE AT THAT SAME TIME, THEN SUBSEQUENTLY CANCELLED OUR HELOC, BURIED IT WITH NO COMMUNICATIONS TO US, SOLD OUR LOANS TO OTHER COMPANIES, THEN GOT IT BACK, DISCHARGED IT AGAIN DUE TO THE STATUTE OF LIMITATIONS IN XX/XX/XXXX, THEN SOLD THIS HELOC AGAIN, AFTER 2 DISCHARGES AND 1 CANCELLATION OF THE DEBT, THEN SOLD IT IN LATE XXXX., AND ALL THE WHILE HAVING NOT PROPERLY APPLIED THE CANCELLATION OF DEBT ISSUED BY 2 FEDERAL AGENCIES. AGAIN, I HAVE ALL THESE STATEMENTS RECORDED AND THEREFORE CAN BE TRANSCRIBED FOR YOU AND THE COURT. WE HAVE APPLIED FOR NUMEROUS LOANS OVER THE YEARS, SINCE XXXX WHEN WE RECEIVED THE 1099-C CANCELLATION OF DEBT AND THIS LOAN DID NOT SHOW UP ON OUR CREDIT REPORTS AND WAS NEVER MENTIONED AS EXISTING, DELINQUENT, DEFAULTED OR AS AN ISSUE OF ANY KIND IN THE LOAN APPLICATION PROCESS AND GRANTING OF THE LOANS. XXXX XXXX XXXX GRANTED US A HOME EQUITY LOAN RECENTLY BUT THOSE FUNDS SEEM TO HAVE BEEN FROZEN UPON THE FILING OF THIS FRAUDULENT FORECLOSURE COMPLAINT, THUS DAMAGING, HARMING AND LIMITING OUR ABILITY TO ACCESS THOSE FUNDS FOR NEEDED REPAIRS ON OUR HOME, AND CRIPPLED OUR FINANCIAL PLANNING IN PREPARING FOR OUR RETIREMENT WHICH WE BELIEVE CLEARLY CREATES DOCUMENTED LIABILITY FOR THOSE FILING THIS FRAUDULENT COMPLAINT AGAINST US AS WELL AS FOR OTHER 3RD PARTIES. IN CONCLUSION, SIMPLY STATED, IT IS EASILY VERIFIED THAT XXXX OWNED BOTH LOANS FROM XXXX, DISCHARGED OUR HELOC, IN LATE XXXX, TOOK THE TAX WRITE OFF, WAS AWARE OF THE XXXX XXXX AND IRS DIRECTED CANCELLATION OF DEBT TO OUR LOANS, THEN BURIED OUR HELOC, WITHOUT A WORD, FOR 9 YEARS, SOLD IT IN LATE XXXX, AND ACCORDING TO RECORDINGS I HAVE OF OUR CONVERSATIONS WHERE THEY STATED THAT THEY DISCHARGED IT AGAIN IN MAY OF XXXX, CULMINATING IN THEIR FRAUDULENTLY DISCHARGING OUR DEBT MULTIPLE TIMES, NOT PROPERLY CANCELLING AND APPLYING THE 1099-C CANCELLATION OF DEBT, PER XXXX XXXX & IRS, 2 FEDERAL AGENCIES DIRECTIVES, AND THEN ILLEGALLY AND FRAUDULENTLY SELLING THIS DEBT 12 YEARS LATER. JUST IN THE LAST YEAR OR SO WE HAVE HEARD FROM 2 DIFFERENT LAW FIRMS, AND 3 DIFFERENT COLLECTION AGENCIES AND SERVICERS ON THE SAME CANCELLED DEBT INCLUDING DIFFERENT AMOUNTS DUE AND DIFFERENT INTERESTS RATES, NO PAYMENT HISTORIES TO SUPPORT THEIR FALSE CLAIMS OF HOW MUCH IS OWED AND AS TO WHO HAS THE RIGHT TO COLLECT THESE DIFFERING AMOUNTS AND WE ARE RELATIVELY SURE THERE WERE 2 OR MORE COLLECTION AGENCIES TRYING TO COLLECT ON THE SAME DEBT AND WITH DIFFERENT AMOUNTS REQUIRED. FURTHER, XXXX WAS PURSUING FORECLOSURE WHILE WE WERE TRYING TO WORK OUT A MODIFICATION AND MEDIATION WHICH WE KNOW IS HIGHLY ILLEGAL. THE STATUTE OF LIMITATION IN OHIO IS NOW BASED ON RETROACTIVELY APPLIED CHANGES MADE IN XXXX ESTABLISHING IT AS 6 YEARS FOR PROMISSORY NOTES AND/OR LOAN DOCUMENTS THAT FUNCTION AS PROMISSORY NOTES WHICH MAKES THIS NOTE TIME BARRED IN OHIO. 4. WHAT COMPANY IS THIS COMPLAINT ABOUT? XXXX XXXX XXXX XXXX. FORECLOSURE COMPLAINT THIS COMPLAINT INVOLVES XXXX XXXX, XXXX XXXX XXXX, THE LOAN ORIGINATORS IN XX/XX/XXXX, UNTIL 09 WHEN THEY MERGED WITH XXXX, THEN IT SOLD TO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, THEN TO XXXX XXXX XXXX XXXX. BECAUSE NO PROPER DUE DILIGENCE WAS DONE THESE WERE IMPROPERLY TRANSFERS OF THIS FRAUDULENT, DEFECTIVE AND ILLEGAL LOAN IN BETWEEN XXXX AND XXXX XXXX XXXX, BUT XXXX XXXX XXXX FILED THE FORECLOSURE COMPLAINT VIA XXXX XXXX XXXX, ATTORNEYS FOR PLAINTIFFS, XXXX XXXX XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OHIO, XXXX. XXXX XXXX, XXXX, WHO SIGNED THE COMPLAINT IS NO LONGER WITH THAT FIRM AND SO OUR CERTIFIED MAIL, ADDRESSED TO BOTH ATTORNEYS HAS BEEN RETURNED TO US, LEAVING US AS PRO SE ATTORNEYS WONDERING WHO, WHAT, IF, WHEN AND HOW THIS COMPLAINT IS MOVING FORWARD AND IF OUR EFFORTS TO DEFEND OURSELVES ARE BEING IGNORED, SUBJUGATED, INVALIDATED, LOST, OR DISMISSED???? SERVICERS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. WHO ARE THE PEOPLE INVOLVED. XXXX XXXX XXXX XXXX XXXX XXXX -- ATTORNEYS FOR PLAINTIFF BELOW XXXX, OHIO, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) 6. WHAT WE ARE REQUESTING : A FULL INVESTIGATION INTO THIS HIGHLY IRREGULAR, VERY LIKELY FRAUDULENT AND DOCUMENTED FORECLOSURE ACTION BASED ON ISSUES OF MATERIAL FACT. ALL DOCUMENT RELATING TO THIS COMPLAINT FROM ALL PARTIES LISTED IN THIS COMPLAINT TO INCLUDE BUT ARE NOT LIMITED TO THE FOLLOWING WHICH PLAINTIFFS WOULD BE REQUIRED TO HAVE TO PROPERLY SUPPORT CLAIMS ALLEGED IN THIS COMPLAINT. JUDGEMENT FROM THE COURT AGAINST DEFENDANTS DATED XX/XX/XXXX WITH ALL RELEVANT DOCUMENTS AND COMPLETE PAYMENT AND BILLING STATEMENTS TO SUPPORT CLAIMS OF XXXX OWED DATING FROM XX/XX/XXXX TO PRESENT- XX/XX/XXXX AS ALLEGED IN THE COMPLAINT. ALL ANNUAL STATEMENTS, BANKING RECORDS AND DOCUMENTS FROM ANY PERSON OR COMPANY THAT ENGAGED IN ANY WAY WITH THE ORIGINATION, PROCESSING, TAKING OF PAYMENTS, COLLECTIONS, SERVICING, OR OWNERSHIP OF THIS LOAN FROM ORIGINATION TO THE PRESENT XX/XX/XXXX PLAINTIFFS, LEGAL COUNSELS LICENSING TO REPRESENT OUT OF STATE COMPANIES IN COLLECTING DEBTS HERE IN OHIO. XXXX XXXX XXXX XXXX, LICENSING AND PROOF OF STANDING TO PURSUE OUT OF STATE LEGAL ACTIONS INCLUDING FORECLOSURE ACTIONS HERE IN OHIO PROVIDE ANY AND ALL RELEVANT INFORMATION AND DOCUMENTATION, DATES AND NAMES OF ALL PARTIES ENGAGED IN THE ORIGINATION, PROCESSING, TAKING OF PAYMENTS, COLLECTIONS, TRANSFERS, ASSIGNMENTS, ALLONGES OR OWNERSHIP TO SUPPORT AND DOCUMENT ALLEGATIONS ASSERTED IN PLAINTIFFS FORECLOSURE COMPLAINT, WHICH ANY REASONABLE PERSON WOULD ASSUME THE PLAINTIFFS WOULD HAVE IN THEIR POSSESSION IN ORDER TO SUPPORT ANY LEGITIMATE, LEGAL AND PROPER COMPLAINT TO FACILITATE DUE PROCESS RIGHTS OF PRO SE DEFENDANTS AND JUSTIFY JUST CAUSE VIA PLAINTIFFS REQUIRED DUE DILIGENCE, RESPECT FOR THIS PROCESS AND BURDEN OF PROOF CLEARLY REQUIRED BY THE LAW AND THE SPIRIT OF THE LAW. 7. IN CONCLUSION : WE BELIEVE PLAINTIFF PURCHASED A ILLEGITIMATE, NON TRANSFERABLE, CORRUPTED AND DEFECTIVE INSTRUMENT, DEFUNCT, COMPROMISED AND THEREFORE VOIDED LOAN THAT HAS MULTIPLE LEGAL ISSUES CREATING ISSUES OF MATERIAL FACT THAT EXCLUDES THEM FROM HAVING ANY STANDING TO BUY, SELL, ATTEMPT TO COLLECT OR TAKE ANY LEGAL ACTION INVOLVING THIS LOAN, NOT THE LEAST OF WHICH IS THE LACK OF DOCUMENTATION DUE TO ITS AGE AND COMPROMISED AND CORRUPTED HISTORY AND IF THIS IS NOT THE CASE PLEASE PROVIDE FULL DOCUMENTATION TO SATISFY WHAT THE LAW WOULD REQUIRE AS YOUR BURDEN OF PROOF OF YOUR ALLEGATIONS IN THIS COMPLAINT. PLAINTIFFS CANT EXPLAIN, MUCH LESS PROVE TO A JUDGE AND / OR JURY, BEYOND A REASONABLE DOUBT HOW THE LEGITIMACY, ACCURACY, INTENTIONS, TIMELINESS, LEGALITY, PROCEDURAL INTEGRITY, PAYMENT HISTORY, 1099-C CANCELLATION OF DEBT FAILURES, AND OTHER ISSUES OF MATERIAL FACT DOCUMENTED THROUGHOUT THE HISTORY OF OUR LOAN/LOANS THAT SEEM TO BE UNDERTAKEN TO, AND RESULTING IN, GROSS NONFEASANCE, MALFEASANCE AND MISFEASANCE REPEATEDLY HARMING DEFENDANTS AND THEIR ABILITY TO DEFEND THEMSELVES. OUR DOCUMENTS WILL PROVE, GROSS NEGLECT AND MALFEASANCE AS PLAINTIFFS AND OTHER 3RD PARTIES INVOLVED, LACK OF DUE DILIGENCE RESULTED IN MANIPULATION AND CORRUPTION OF THE LOANS ORIGINATIONS, RANDOMLY DIVIDING THE LOAN INTO PIECES ON WHAT WAS INTENDED TO BE A SINGLE LOAN FROM ITS INCEPTION, TRANSFERS, THEIR FAILURE TO PROPERLY NOTIFY US ABOUT TRANSFERS, WE BELIEVE FRAUDULENTLY, WITH THE PROBABLE INTENT TO INTENTIONALLY MISLEAD, EVADE, GENERALLY CREATE AMBIGUITY, OMIT AND OBSCURE MATERIAL INFORMATION DESIGNED TO INTENTIONALLY HIDE INFORMATION AND TRACKING OF THE LOAN BY PRO SE DEFENDANTS AND THEREFORE DID HARM DEFENDANTS DUE PROCESS RIGHTS IN THEIR ATTEMPTS TO PROPERLY DEFEND THEMSELVES IN THIS FORECLOSURE COMPLAINT. IT IS CLEAR THAT THE ILLEGAL MISHANDLING OF THIS LOAN HAS BEEN INSTITUTIONALIZED THROUGHOUT THE LENDING, OWNERSHIP AND SERVICING PROCESS, CREATING AN INCENTIVE TO DISCOURAGE TRANSPARENCY AND ACCOUNTABILITY FOR CONSUMERS AND HOMEOWNERS, FOR WHICH THE ENTIRE SYSTEM WAS DESIGNED TO PROPERLY SERVE AND PROTECT AS THE FINAL STAKEHOLDER AND END USER OF THE TRANSACTION! THEREFORE FURTHER INVESTIGATION IS NECESSARY AND WANTING IN THIS FAMILIAR PRACTICE ATTEMPTED BY LARGE PRIVATE BANKS TO DEFRAUD HOMEOWNERS AND CONSUMERS THROUGH AN UNNECESSARILY AND OVERLY BURDENSOME PROCESS TO ILLUMINATE THE ISSUES, FACTS AND RELEVANT DOCUMENTS TO RESOLVE THIS ISSUE OUTSIDE OF COURT IF POSSIBLE OR THROUGH THE LEGAL SYSTEM IF NECESSARY, THEREFORE SERIOUSLY HARMING AND DAMAGING HOMEOWNERS AND CONSUMERS LEGAL RIGHTS OF DUE PROCESS AND SELF DEFENSE AS IN THE CASE OF MY FAMILY AS PRO SE DEFENDANTS. IN THE CLEAR LIGHT AND SPIRIT OF THE LAW THIS COMPLAINT SHOULD AND MUST, BE THOROUGHLY INVESTIGATED TO ENSURE TRANSPARENCY, ACCOUNTABILITY AND FAIRNESS TO SUPPORT HOMEOWNERS AND CONSUMERS TO BE SURE THE BURDEN OF PROOF IS ILLUMINATE FOR THE HOMEOWNER AND CONSUMERS BENEFIT, AS A LAST RESORT AND RECOURSE AS PRO SE DEFENDANTS, TO FURTHER ATTAIN AND HELP CONFIRM THE TRUTH AND FACTS AS REQUIRED FOR JUSTICE TO BE SERVED IN DEED, IN LAW, IN PROCESS AND IN THE SPIRIT OF ACCOUNTABILITY IN HOPEFULLY MOVING THE LAW FORWARD FOR MANY FUTURE OUTCOMES, AND AS THE LAW REQUIRES IN ORDER TO FIND A FAIR, ACCOUNTABLE AND JUST OUTCOME FOR THE PARTIES INVOLVED AND FOR THOSE WHO IT CAN HELP TO PROTECT IN THE FUTURE. WE BELIEVE PLAINTIFF PURCHASED A ILLEGITIMATE, NON TRANSFERABLE, CORRUPTED AND DEFECTIVE INSTRUMENT, DEFUNCT, COMPROMISED AND THEREFORE VOIDED LOAN THAT HAS MULTIPLE LEGAL ISSUES CREATING ISSUES OF MATERIAL FACT THAT EXCLUDES THEM FROM HAVING ANY STANDING TO BUY, SELL, ATTEMPT TO COLLECT OR TAKE ANY LEGAL ACTION INVOLVING THIS LOAN, NOT THE LEAST OF WHICH IS THE LACK OF DOCUMENTATION DUE TO ITS AGE AND COMPROMISED AND CORRUPTED HISTORY AND IF THIS IS NOT THE CASE PLEASE PROVIDE FULL DOCUMENTATION TO SATISFY WHAT THE LAW WOULD REQUIRE AS YOUR BURDEN OF PROOF OF YOUR ALLEGATIONS IN THIS COMPLAINT. IN RECENT YEARS EVENTS CLEARLY SHOWS THE CORRUPT CULTURE OF THE NATIONAL BANKING SYSTEM AND THE DAMAGE REPEATEDLY DONE TO CONSUMERS AND TO THE ECONOMY AS A WHOLE. SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OHIO, XXXX XXXX XXXX XXXX
03/03/2020 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • IL
  • 60014
 Web
Complaint is Against : Bayview Loan Servicing , LLC. aka BLS XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX, Florida XXXX XXXX Assigned Bayview Representative : Mr. XXXX XXXX. Dear CFB Advocate, Timing is critical please-Urgent Action Needed : Due to underemployment and unemployment over the years, I needed to file for bankruptcy 5 years ago. I had a loan with XXXX for over 10 years and held no escrow. I do not know where else to turn and believe what is being done is predatory, poor business ethics and illegal. I have all paperwork, letters, dates of calls, etc and an email chain below which all went unanswered however some were acknowledged by phone with no solution with sketchy interest. The assigned representative treats me like a typical bill collector and can not be trusted to assist as proven by the evidence. I can no longer return his calls as it's very stressful and upsetting using sketchy verbal conversation with no resolve coupled with some mixed condescension and sarcasm. However the email chain below are the dates and facts confirming our conversations and my concerns and I will attach documentation needed to resolve this. Thank you!!! XXXX from Illinois Here are the facts : -- -Bankruptcy was awarded and included the mortgage owed to XXXX. I continued to pay the mortgage loan to XXXX and paid out of pocket, the property taxes and insurance on time. -- -Mortgage Loan was sold to Bayview by XXXX as I missed one month ( XX/XX/XXXX ) of payments during the course of 10+ years after my unemployment ran out. XXXX sold my loan while processing a loan modification with them and was without an answer. -- XXXX XXXX Bayview Loan Servicing LLC. , a debt collector, took ownership of the mortgage. -- -Conflicting letter ( s ) received and inclusive of : Demand for Payment, ability to seize a bank account and a Bankruptcy Clause all in one! -- -Certified Letter of 'Notice of Default and Intent to Accelerate ' as I was then missing 3 mortgage payments to include the XX/XX/XXXX payment. This I understood, I did owe the money. I was able to get caught up with my payments to Bayview since XX/XX/XXXX. -- -Additional fees assessed since they took over my mortgage. -- -Escrow placed on the mortgage without my knowledge -- -Received the verbal 'recorded line ' statement by my assigned representative that I didn't pay my property taxes or insurance in XXXX according to their records. Not true, they were on time and in full! -- -Obtained proof of payment of the XXXX property taxes and insurance the very next day after I was told of this. Emailed the documentation of 'on time ' payments to the County of Taxation and to XXXX XXXX XXXX. Never late ever. -- -Amount due is based upon new charges, a demanded payment plan for an amount of arrearage not owed of which the inaccurate information after proof provided was not corrected by Bayview Loan Servicing , LLC . -- -Letters to eliminate forced escrow without my knowledge, received by me but not done. Still being billed as if in arrearage on this pseudo payment plan that I never agreed to. -- -Bayview will not email me back to answer my inquiries as indicated below. Calls are via a recorded line by Bayview. -- -Letters to eliminate forced escrow without my knowledge, received by me but not done. Still being billed as if in arrearage on this pseudo payment plan that I never agreed to. -- -Assigned representative does nothing to assist and has been condescending and sarcastic with no proven focus to fix this problem by defending Bayview in it's entirety or telling me there is nothing he can do, per se. -- -Mortgage money paid is now held in suspense due to this error 'creating ' an arrearage. -- -Strange fees appeared on the invoices example : 'Corporate Advance Balance ' fee -- -More than one month after escrow elimination, they contacted my insurance company, put their name on the paperwork and paid the renewal for the year XXXX, without my knowledge. I found this out when I couldn't find my online account with XXXX that was set up by me for the past couple of years. -- -Being proactive and not wanting to wait for Bayview to resolve this ... I tried but have been unsuccessful in getting the insurance money back to Bayview. The payment was sent in XX/XX/XXXX, almost 2 months after they were to suspend the forced escrow and correct the records. -- -Today is XX/XX/XXXX. Within the past 5 business days, I received 4 letters. 1 via certified mail. - Two of these letters are demanding payment with 'Notice of Default and Intent to Accelerate ' stating that it is a formal demand to pay BEFORE XX/XX/XXXX or they will take steps to terminate my ownership in the property by a foreclosure proceeding or other action to seize the property while placing further costs on me to pay for the lawyer/court fees, etc. involved in doing so. Please be mindful, if their records were corrected as promised, I would be current in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and presently today ; XX/XX/XXXX. Below is the email documentation, before and after, each Bayview recorded phone call and the financial concerns pleading with them to correct their records and relaying the proof they needed to do so. I eliminated personal information about myself, my loan and the Bayview representative as indicated in your instructions. Thank you. XXXX These emails begin with the latest on XXXX XXXX and end with the first in the email tree. No responses were returned by email. -- -- -- -- -- -- -- -- -- -- -- -E-MAIL DOCUMENTATION BELOW -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX To :XXXX Cc :XXXX ; XXXX Subject : XXXX_Bayview Loan # XXXX XXXX payment scheduled Importance : High Dear XXXX, This email is to let you know I paid the XX/XX/XXXX mortgage amount via phone today, XXXX XXXX. As of this payment, I am fully caught up and current with my mortgage loan. Also, the XXXX payment was not applied correctly however I received a letter stating a corrected invoice will be sent however I had not yet received it. Hope you had a nice XXXX and Happy XXXX XXXX! XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX To :XXXX Cc :XXXX ; XXXX Subject : XXXX_Loan # Good Morning XXXX! I received your voice messages on Monday and Tuesday asking for me to call you back and will return them when I am able. You have my permission to leave a message on my answering machine for me to receive it when I am home. Please leave a detailed message with question or comment, so I can answer you via email, in the meantime. I received the payment plan paperwork you overnighted however the figures are incorrect and still needs to be revised. When we spoke about it last week, you told me the system would not let you do so however there must be a way for it to be corrected. I can not sign an inaccurate document of this nature. Also, I have read and am mindful of the Bayview legal and binding terms written. Received a statement in the mail last night and I noticed the actual payment due is incorrect as well. I fully paid the mortgage amount that was due from XXXX XX/XX/XXXX, plus Bayview applied fees and the money was not applied correctly. As my assigned Bayview representative XXXXXXXX, can you please make sure this is corrected with your accounting department? We both know it is very important to have the Bayview records corrected right away. I plan to make all mortgage payments on time and in full each month, as is accurate. XXXX, thank you in advance and I look toward working with you to reaffirm and refi as soon as is possible in XXXX! Respectfully, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX To XXXX Cc :XXXX, XXXX Subject : Trying to make an online payment ... XXXX Importance : High Dear XXXX, Are you getting my emails? I have not gotten any responses. I am trying to make a payment via your website however the site will not allow me to. It keeps saying to call you specifically. If Im unable to reach you by XXXX, XXXX I will have to authorize a bank check but I wanted to get the payment to you right away as promised. Please advise as soon as you can and provide answers to the questions below via email. Thanks, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX To :@XXXX Cc :@XXXX Subject : Promised Payment Info ... XXXX Sorry XXXX, Meant to tell you in the e-mail below sent earlier today I set up a new Bayview dedicated bank account from which you will receive my monthly mortgage payments however the money you should have gotten on Friday had not yet transferred to the new account set up earlier last week. I apologize for not allowing the transfer timing to be built into the date I gave below. With a bank transfer, I thought the funds would be available immediately however after not seeing it deposited though debited, it apparently takes the bank up to 3 business days to post. With this in mind, I will pay the promised amount promptly as the funds become available ; either today or tomorrow eod. Will keep you posted when paid since I noticed the Bayview payment center is in XXXX, TX instead of XXXX XXXX, Florida ; where you are located. Thanks and Take care XXXX! XXXX Loan # -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX To XXXX@XXXX Cc :@XXXX Subject : FW : REVISION : XXXX_Loan # Hello XXXX, I received your phone message last week and received the letter from Bayview that the escrow account, recently placed on my mortgage by Bayview, would not be cancelled as I had requested. ( The escrow account placed on my mortgage, was unknown and unauthorized by me and I remain opposed to it. ) What was not noted on the letter, was the reason Bayview rejected my request for escrow cancellation, would you please obtain the exact reason why it was opened and the reason why my request to cancel was rejected? Can you also send me the exact reason ( s ) why my hardship request for a loan modification in the form of an extended loan term, lower interest rate or forbearance was rejected? ( Note : Modification paperwork was filed prior to the loan transfer from XXXX to Bayview ) Am I still required to cc :@XXXX when no documents are being submitted? Thanks XXXX, I look forward to your written response. Have a pleasant day! Respectfully, XXXX Loan # -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX To :XXXX Cc :XXXX Subject : REVISION : XXXX_Loan # RE : Bayview Loan # Property Owner : XXXX Property Address : Dear XXXX, Hope you had a great XXXX! Im writing to let you know about a slight revision, highlighted in yellow below, regarding upcoming payments to Bayview. A bank check for {$2600.00} will arrive at the Bayview payment-processing center by XX/XX/XXXX. This will cover the XXXX, XXXX, XXXX and XXXX XXXX-mortgage balance in full. The XX/XX/XXXX mortgage payment will follow as a separate payment. Im glad you called me to confirm receiving the proof of on time and up to date payments covering my XXXX home insurance and property taxes. Thanks XXXX! XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX Sent : XX/XX/XXXX XXXX XXXX To :XXXX Cc :XXXX ; XXXX Subject : XXXX_Loan # RE : Bayview Loan # Property Owner : XXXX Property Address : Illinois Good Afternoon XXXX, I had not yet received a response concerning the original email below, sent last Friday afternoon ; proving I had paid property taxes and insurance premiums for the XX/XX/XXXX year. Tried reaching out to you today and was unable to book a phone appointment for this week and my option was only to leave you a voice message. As I indicated, Im prepared to issue a check for the XXXX arrearage amount, in its entirety. My figures are indeed correct as follows. XXXX, XXXX, XXXX, XX/XX/XXXX at {$670.00} per month for a grand total of = {$2600.00} XX/XX/XXXX will be paid at the regular mortgage amount of {$670.00} since escrow does not take effect until XX/XX/XXXX {$2600.00} ( XX/XX/XXXX-XX/XX/XXXX ) + XXXX ( XX/XX/XXXX ) {$3300.00} total due to get mortgage account current With this correct recalculation of what is owed, Bayview will receive a payment of {$3300.00} before XX/XX/XXXX. Moving forward into XX/XX/XXXX, Bayview without my knowledge, opened an escrow account on my mortgage to begin in XX/XX/XXXX. With that determination, my future XXXX payments would now be in the sum of {$1000.00} ( XXXX + XXXX property tax + XXXX insurance ) On Friday XXXX XXXX, XXXX, you verbally indicated that your e-mails are scripted so you can not respond. Since you can not respond via email, can another mortgage loan representative or supervisor partner with you, who has that capability? There has to be a better communication avenue for efficient handling of accounts that is confirmed in writing vs. a phone call or costly snail mail. Thank you and Best Regards XXXX! XXXX Bayview Loan # -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX To :@XXXX Cc :XXXX ; XXXX Subject : XXXX XXXX_Loan # RE : Bayview Loan # Property Owner : XXXX Property Address : Illinois Dear XXXX & the Loss Mitigation Team, As promised today, Im providing you with attached proof of property taxes fully paid on time concerning the property location listed above. XXXX, thank you for reaching out to me today regarding the loan amount arrearage ; and what my options can be and are, at present. To confirm our telephone conversation this morning, I want to recap I writing on what my understanding is from what we discussed. HARDSHIP : The hardship as I mentioned has been the exhaustion of my unemployment benefits in mid-XX/XX/XXXX and current unemployment status. MORTGAGE/TAX/INSURANCE STATUS : My mortgage payment on this property including non-escrowed insurance and property taxes has never ever been paid late in more than 20 years. XXXX, you stated that you were not aware that my property taxes and property insurance were in fact, paid on time and both are current as of the date of this email and that you required proof which was provided today. With this in mind the stated monthly loan amount, per our phone call today, has to be inaccurate ; needing to be revisited. Since there had been no arrearage of property tax and insurance, the amount you gave me by phone this morning of {$1500.00} per month beginning XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments moving forward of {$1100.00}, inaccurate and needing recalculation so I can pay Bayview the proper amount moving forward. Once the recalculation is complete please o Reevaluate the monthly payment amount for an easier payment plan that I can manage. o Generate a new billing statement in writing and send it to me by mail as soon as humanly possible. o In the interim, feel free to email me a copy of the statement with enough time to pay XXXX bill, on time. o XXXX both e-mailed and faxed you and the Loss Mitigation department, proof of insurance for the property, proving payments were made on time and is currently active, as promised. Until today : I had no written or spoken knowledge of Bayviews intention and subsequent action to change my non-escrow status to an escrow account. Until today : I had no written or spoken knowledge of my Loan Modification Application being denied by Bayview. Until today : I had no knowledge of being put on a Waterfall repayment plan or exactly what it entails. o Thank you XXXX for approving the Waterfall repayment option but I need an easier payment plan. o I understand why the Loan Modification was not approved however once I have gainful employment, I will reapply. o As we discussed, I plan to keep ownership of the property. o I asked about a Forbearance and you educated me about that option by telling me I would need proof of having a job and the income to pay the balance after the reduction of payments. I thought that the payments due are put on hold, accumulates over a 3-6 month period at which time, the entire accumulated balance is due. I am greatly concerned that the mortgage amount is more than our household income. You said other people find a way. That may be so XXXX ; however it can not be the case for all. My concern of using non-fluid food stamp allowance is not what I can use for a payment other than food as I stated this morning. o Would you please reconsider the amount due each month? o What happens when the food stamp money is reduced or food stamp payment ends? Contact me to confirm the above, answer my questions and let me know when I can receive a new repayment arrangement. Thank you for the work you put as my representative. I appreciate your assistance and look forward to working with you moving forward. Respectfully, XXXX Regarding Loan # Illinois
11/30/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 95076
 Web
The Bank-Lender and/or Successor ( s ) in the Mortgage and Note on the real property at XXXX XXXX XXXX, XXXX, CA XXXX remained silent when Administrative Arbitration Documents were sent regarding their lack of authority to Foreclose on the subject real property. Deed of Trust recorded XX/XX/XXXX in XXXX XXXX County, California Document # XXXX on MIN # XXXX, has serious discrepancies in legal language to bind anyone to a mortgage contract with XXXX XXXX XXXX. and/or its Successor ( s ). To Wit : The Note which precedes the deed of trust says : In return for a loan I have received, I promise to pay U.S. {$650000.00} ( this amount is called Principal plus interest to the order of the Lender. [ emphasis bold, mine ] However no money changed hands at the time of the alleged loan above. The Note was securitized later, roughly assumed to happen ( 5 ) days later and deposited by the Bank as an asset. Therefore the above language at the first paragraph of the original Note invalidates any mortgage agreement for being chronologically false. Fraud in the language above invalidates any Foreclosure occurring against the real property. Further evidence that is lacking is that under 18 USCA 1813 ( L ) ( 4 ) the Lender must issue a receipt for the promissory note deposited. It is asserted there will be no evidence forthcoming of such mandatory receipt in the entirety of the Defendant ( s ) possession. One of the reasons this evidence is likely hidden is that the " borrower '' is the Originator under UCC 4A-104, and only the Note signatory is the Originator. This means Trover is an ongoing Enterprise in this Case whereupon the Bank-Lender and/or its Successors are attempting Conversion Theft. Under the BORROWER COVENANTS section of the Deed of Trust Agreement of XX/XX/XXXX,, there were no encumbrances of record as no money changed hands XX/XX/XXXX, There was no loan given by the Bank-Lender pursuant to 12 CFR 223.14, no collateral deposit was made by the Bank either on XX/XX/XXXX, and therefore the language of the Mortgage Agreement and its chronology is fraudulent. The Plaintiff and/or its Successors have not met their burden of proof in evidence to sustain a foreclosure on the real property. In addition to several demands for the Bank-Lender and/or its Successors to show proof of authority, and standing, to Foreclose upon the alleged " Borrowers '' the Administrative Letters regarding Arbitration also showed an interest by U.S.Senate Report by the U.S. Government on all Mortgages since the Bankruptcy of 1933. The recipients of the Administrative Arbitration Documents also Defaulted by remaining silent on the U.S. Govt 's interest in the mortgages and land 's mortgaged in this country in reference to the Admin. Arbitration documents mailed by certified u.s. postal. Though the Law Firm ( s ) involved claim they did not have to respond to the alleged Borrower 's Administrative Arbitration documents, mailed, their silence to the step by step mailings leading to an Administrative Arbitration Award due to their silence prompts this Claimant to expose the Bank ( s ) and/or its Successor ( s ) to the clear Fraud they are perpetrating in collecting an alleged debt they have no verified loan in existence to prove there was anything more than a credit extension, and it is illegal to loan credit. ( see ) 12 CFR 223.14. The Notice of Intent to file a Complaint in the Court for Enforcement of the Arbitration Award, to the opposition 's silence follows and at least one Law Firm involved so far claims the Administrative process used is nonsensical. However, Arbitration does not have to proceed through the courts alone. Therefore the Petitioner ( s ) herein state they are entitled to the Administrative Arbitration Award, and that matter ( s ) expressed in the Arbitration document ( s ) show that the Foreclosure Process is an entire Sham and a Cease & Desist of all forward movement has to occur or criminal charges regarding Indentured Servitude and Extortion to name a couple charges available may be filed against the opposition and their lawyer ( s ) who are also liable for continuing a criminal enterprise in defacto debt collection ( s ). The Notice of Default and Notice of Intent submitted by these claimant ( s ) follows : FROM : XXXX XXXX, a living woman, XXXX XXXX, As Attorney In Fact, XXXX XXXX XXXX XXXXXXXX, CA XXXX, XX/XX/XXXX, TO : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX, Foreclosure Trustee, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX, TO : XXXX XXXX, CEO, Bayview Loan Servicing LLC, RESPONDENT, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX NOTICE OF ADMINISTRATIVE DEFAULT & NOTICE OF INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The above claimant ( s ) filed Administrative Arbitration documents to the above Respondents who are attempting to foreclose on property owned by the Petitioner ( s ). Due to the silence of the Respondents to answer the Arbitration documents submitted to them the Respondents may think that Enforcement is not forthcoming as they did not expressly agree to Arbitration. The Petitioner does not need to form an agreement to Arbitrate as the Respondents have past claimed they have standing to represent their client ( s ) and/or litigate a Mortgage agreement that they either are party to or have been assigned on, or purchased as a Debt Collection Law Firm. Maritime Transactions, as herein defined, means charter parties, bills of lading of water carriers, agreements relating to wharfage, supplies furnished vessels or repairs to vessels, collisions, or any other matters in foreign commerce which, if the subject of controversy, would be embraced within admiralty jurisdiction commerce, as herein defined, means commerce among the several States or with foreign nations, or in any Territory of the United States or in the District of Columbia, or between any such Territory and another, or between any such Territory and any State or foreign nation, or between the District of Columbia and any State or Territory or foreign nation, but nothing herein contained shall apply to contracts of employment of seamen, railroad employees, or any other class of workers engaged in foreign or interstate commerce. ( see ) 9 U.S.C. 1. .. In regards to Foreign or Interstate Commerce : Public Law 89-485 July 1, 1966 AN ACT to amend the Bank Holding Company Act of 1956. SEC. 3 " Bank ' means any institution that accepts deposits that the depositor has a legal right to withdraw on demand, but shall not include any organization operating under section 25 or section 25 ( a ) of the Federal Reserve Act, or any organization that does not do business within the United States. SEC. 6. " ( h ) The application of this Act and of section 23A of the Federal Reserve Act ( 12 U.S.C. 371 ), as amended, shall not be affected by the fact that a transaction takes place wholly or partly outside the United States or that a company is organized or operates outside the United States : SEC. 12. ( a ) Section 23A of the Federal Reserve Act, as amended ( loans to affiliates ) ( 12 U.S.C. 371c ) ... Again at Title 9 U.S.C. : A written provision in any maritime transaction or a contract evidencing a transaction involving commerce to settle by arbitration a controversy thereafter arising out of such contract or transaction, or the refusal to perform the whole or any part thereof, or an agreement in writing to submit to arbitration an existing controversy arising out of such a contract, transaction, or refusal, shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract. ( see ) 9 U.S.C. 2. THE APPLICABLE DEED OF TRUST The Deed of Trust recorded XX/XX/XXXX, in the County of XXXX XXXX, at page ( 9 ) of ( 13 ) says at section ( 16 ) Governing Law ; Severability ; Rules of Construction : .All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract ... PLEASE TAKE NOTICE AND RESPOND ACCORDINGLY OPPOSITION TO ARBITRATION COSTS THE COURT California Civil Procedure 1775. The Legislature finds and declares that : ( a ) The peaceful resolution of disputes in a fair, timely, appropriate, and cost-effective manner is an essential function of the judicial branch of state government under Article VI of the California Constitution. ( b ) In the case of many disputes, litigation culminating in a trial is costly, time consuming, and stressful for the parties involved. Many disputes can be resolved in a fair and equitable manner through less formal processes. ( c ) Alternative processes for reducing the cost, time, and stress of dispute resolution, such as mediation, have been effectively used in California and elsewhere. In appropriate cases mediation provides parties with a simplified and economical procedure for obtaining prompt and equitable resolution of their disputes and a greater opportunity to participate directly in resolving these disputes. Mediation may also assist to reduce the backlog of cases burdening the judicial system. It is in the public interest for mediation to be encouraged and used where appropriate by the courts. ( d ) Mediation and similar alternative processes can have the greatest benefit for the parties in a civil action when used early, before substantial discovery and other litigation costs have been incurred. Where appropriate, participants in disputes should be encouraged to utilize mediation and other alternatives to trial for resolving their differences in the early stages of a civil action. ( e ) As a pilot project in XXXX XXXX County and in other counties which elect to apply this title, courts should be able to refer cases to appropriate dispute resolution processes such as judicial arbitration and mediation as an alternative to trial, consistent with the parties right to obtain a trial if a dispute is not resolved through an alternative process. ( f ) The purpose of this title is to encourage the use of court-annexed alternative dispute resolution methods in general, and mediation in particular. It is estimated that the average cost to the court for processing a civil case of the kind described in Section 1775.3 through judgment is XXXX XXXX XXXX XXXX XXXX dollars ( {$3900.00} ) for each judge day, and that a substantial portion of this cost can be saved if these cases are resolved before trial. ( emphasis bold, italics, Petitioner ) The Judicial Council, through the Administrative Office of the Courts, shall conduct a survey to determine the number of cases resolved by alternative dispute resolution authorized by this title, and shall estimate the resulting savings realized by the courts and the parties. The results of the survey shall be included in the report submitted pursuant to Section 1775.14. The programs authorized by this title shall be deemed successful if they result in estimated savings of at least two hundred fifty thousand dollars ( {$250000.00} ) to the courts and corresponding savings to the parties. ( Added by Stats. 1993, Ch. 1261, Sec. 4. Effective January 1, 1994. CA Civ. Proc. Sec. 1775 ( California Code ( 2019 Edition ) ) ARBITRATION IS COMMENCED UPON THE FOLLOWING : 1 ) Adhoc by a demand to arbitrate. 2 ) Institutional - very similar to a demand to arbitrate, addressed to the institution ; called a Request for Arbitration or Notice of Arbitration. Party-Autonomy to choose the method of Arbitration or Alternative Dispute Resolution General policies. It is the policy of most States to actively promote the use of various modes of ADR and to respect party autonomy or the freedom of the parties to make their own arrangements in the resolution of disputes with the greatest cooperation of and the least intervention from the courts. To this end, the objectives of the States ADR Rules are to encourage and promote the use of ADR, particularly arbitration and mediation, as an important means to achieve speedy and efficient resolution of disputes, impartial justice, curb a litigious culture and to de-clog court dockets. Declaration of Policy -To actively promote party autonomy in the resolution of disputes or the freedom of the parties to make their own arrangements to resolve their disputes -To encourage and actively promote the use of ADR to achieve speedy and impartial justice & de-clog court dockets Any party to an arbitration may request the court to act as an Appointing Authority in the instances specified in the Arbitration mailings made in this situation. In the event that one party defaults in answering the demand, the aggrieved party may file with the Clerk of the Court of First Instance having jurisdiction over the parties, a copy of the demand for arbitration under the contract to arbitrate, with a notice that the original demand was sent by registered mail or delivered in person to the party against whom the claim is asserted. Such demand shall set forth the nature of the controversy, the amount involved, if any, and the relief sought, and shall be accompanied by a true copy of the contract providing for arbitration. " Early Neutral Evaluation '' means an ADR process wherein parties and their lawyers are brought together early in a pre-trial phase to present summaries of their cases and receive a nonbinding assessment by an experienced, neutral person, with expertise in the subject in the substance of the dispute. California Civil Procedure 1281.6 : If the arbitration agreement provides a method of appointing an arbitrator, that method shall be followed. If the arbitration agreement does not provide a method for appointing an arbitrator, the parties to the agreement who seek arbitration and against whom arbitration is sought may agree on a method of appointing an arbitrator and that method shall be followed. In the absence of an agreed method, or if the agreed method fails or for any reason can not be followed, or when an arbitrator appointed fails to act and his or her successor has not been appointed, the court, on petition of a party to the arbitration agreement, shall appoint the arbitrator. CA Civ. Proc. Sec. 1281.6 ( California Code ( XX/XX/XXXXEdition ) ). NOTICE OF DEFAULT IS PROPER The Petitioners mailings to all party ( s ) who claim standing have finished out and the Petitioner is entitled to Enforcement. Failure of the Respondents to answer is merely confirmation that the Court will not look favorably on the excessive costs that may now be incurred to litigate the necessary points and authorities that have already been made in the administrative mailings sent by the Petitioner. INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The Respondent ( s ) have not offered to Settle out of Court as they have not answered any of the Administrative mailings for Arbitration this Petitioner has sent by registered or certified mail. The Respondents have ( 10 ) days from the date of this letter to respond or Court Enforcement will be commenced to the dismay of the already clogged up State Courts. TITLE 9 UNITED STATES CODE A party aggrieved by the alleged failure, neglect, or refusal of another to arbitrate under a written agreement for arbitration may petition any United States district court which, save for such agreement, would have jurisdiction under title 28, in a civil action or in admiralty of the subject matter of a suit arising out of the controversy between the parties, for an order directing that such arbitration proceed in the manner provided for in such agreement. ( ref ) 9 U.S.C. 4. I LOOK FORWARD TO YOUR REPLY TO THIS NOTICE OF INTENT. Thank you for your assistance in this matter, Respectfully, XXXX XXXX, XXXX XXXXAttorney in Fact, XXXX XXXX, Alternative Dispute Resolution or Arbitration Determination or Conclusory Documents were also sent to : XXXX XXXX COUNTY RECORDERS OFFICE, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX, CALIFORNIA STATE ATTORNEY GENERAL, XXXX XXXX, Attorney General, XXXX. XXXX XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, US DEPARTMENT OF JUSTICE, ATTORNEY GENERAL, XXXX XXXX XXXX, XXXX, Washington, DC XXXX, Phone ( XXXX ) XXXX, Attentively, XXXX XXXX
12/03/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 121XX
 Web
Many times through this process, Lawyers, friends and anyone who would listen tried to encourage me because it was common belief that Banks dont want to own your home. They will work with you. Perhaps some banks will, but not XXXX XXXX XXXX. They took government help to bail out mortgages in America under the directives of the CFPB and XXXX XXXX and XXXX XXXX but because they were not laws, simply chose not to follow them. Today I am waiting to be approved for a Hard money loan. At 11 % it may be the only way to save my home. I am telling you my story because I dont know where else to turn for help. Anyone who would seek to work with or be placed into a mortgage restructuring situation with XXXX XXXX XXXX should beware, find financing elsewhere whenever possible. XXXX XXXX XXXX seemed to take great pleasure in my misery and delighted in telling me that I was not his customer and that he did not have to settle this mortgage debacle with me, because federal directives and guidelines are not laws and they do not have to follow them. The government, whether state or federal, should not issue such directives and guidelines without penalty of law to back them. The consumer should not take heart of such directives and guidelines as real help. Is there any hope of help with this matter? This is my story. In XX/XX/XXXX, my former husband, remortgaged our family home with a loan executed by XXXX XXXX XXXX XXXX at our home, while I was at work. Our home had been paid off in its entirety in XX/XX/XXXX with money I had received as a settlement from a car accident. Earlier that month, we had discussed finalizing what I was led to believe was a small home equity loan we had taken out some years earlier to take advantage of the low mortgage rates. My husband had discussed taking some equity out of our home to help his struggling real-estate business but I was not on board with this and refused this idea. My husband resorted to taking out a loan to cover the equity loan and more as a single payer note after I refused his request. He continued the ruse by asking me to take an hour from my work day to meet him at our Town Hall to sign some of the papers with a notary. I had no reason to believe that they were not as he said, papers to finalize the small equity loan, and I signed them. ( In XX/XX/XXXX I believe, regulations were changed so that in the case of a single payer note, the non-borrower on a mortgage would have to sign a document of understanding exactly what their signature meant to the loan ). In early XX/XX/XXXX, circumstances came to be that my husband had to confess in part that he had taken the mortgage for more than we owned on the home equity loan. He said only that he had done it in such a way that my own credit would not be affected. Nonetheless I was incensed at the betrayal of my trust and not long after in XX/XX/XXXX, made arrangements for myself to be a caretaker of a home own by a friends parent who had just been placed in a XXXX XXXX. I moved out but continued to pay my share of our joint expenses. I gave my husband papers to begin a formal separation agreement that he never signed. I pushed for him to begin the process to sell our home so that we did not lose our assets and he ignored my requests. From the trail of paperwork he left behind after his XXXX, I was able to determine that in XX/XX/XXXX, he began to make short payments to XXXX XXXX XXXX ( who held the loan ). They returned his short payment checks that he kept in a file. At some point in XX/XX/XXXX, XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX for restructuring. XX/XX/XXXX is the date on the first restructuring packet they had sent to him to fill out. In the late hours of XX/XX/XXXX, my husband was stricken by a XXXX XXXX and on XX/XX/XXXX, he was pulled from life support. I moved back into our jointly owned home during those days ; the restructuring packet had been spread out on our dining room table, unsigned. After the XX/XX/XXXX, I set about the process of managing bills owed. I contacted a representative from XXXX XXXX XXXX to find out what the status of the mortgage was and how to proceed. They requested a copy of the XXXX certificate which I sent to them promptly. I received a response a few weeks later. The banks representative informed me that the mortgage had been assigned to XXXX XXXX XXXX and that I would need to work with them to rectify the mortgage. I contacted XXXX XXXX XXXX who also requested a copy of the XXXX certificate ; I was given a number by a representative from Bayview to fax it to. When I didnt receive a call from Bayview, I followed up a few weeks later and was informed that they had not received the XXXX certificate. I was given yet another number and an address to send along copies of the XXXX certificate. Again, I received no response from Bayview and called again 2 weeks later. This time, I was told that they ( Bayview ) were unable to tell me if it had been received and was told that they would not be able to discuss anything about the mortgage with me. I argued with the representative from Bayview on the phone. This is my home, I am the deeded property owner and by NYS law the executor of my husband 's estate. How can you not discuss this with me? I said. The representative replied, Get a lawyer, lady. So I did. This was in early XX/XX/XXXX. My lawyer and I discussed probate of the estate. My husband had died without a will and approximately {$9000.00} in personal assets along with a fair amount of unsecured debt. His life insurance barely covered what I had to pay out. There was a small amount to go into a new furnace ( which ceased working in XX/XX/XXXX ) and roof repairs. The rest went to pay back taxes for school and property that were owed for several years in the amount of {$22000.00}. The lawyer fees were also paid from his life insurance. XX/XX/XXXX went by with monthly statements arriving to our home, addressed to my husband from Bayview. I called Bayview throughout the year requesting their assistance. Within a few months, my calls to XXXX XXXX XXXX stopped being picked up by their representatives. The phone would ring twice and the call would go to voice mail with the promise of a returned call. One of my daughters used a cell phone to call ; it was answered immediately. She handed me the phone and I gave the account number of the loan and asked the representative from Bayview to read the account before I asked any questions. The representative did and replied XXXX [ ], I am so sorry for your loss. I asked her if it said in the account that they had received the faxed XXXX certificate and she confirmed that they had. She said she was not authorized to comment further but that she would have the account representative XXXX XXXX get back to me when she was available. XXXX XXXX did not return my call, nor did she ever return any of the subsequent calls that both myself and my lawyer, XXXX XXXX, made. The restructuring packages continued to come monthly to our home, addressed to my XXXX husband. My lawyer, XXXX XXXX, did not believe probate under these circumstances was required. Instead, he took on trying to communicate with XXXX XXXX XXXX. Bayview did not respond to him. A year later, XXXX suggested that perhaps selling my home was the answer. With a heavy heart, I listed my home in XX/XX/XXXX. The listing and eventual showing of the property resulted in an offer of {$320000.00} in early XX/XX/XXXX. Again, XXXX attempted to contact Bayview. Again, Bayview ignored his repeated attempts. The potential buyer had a short timeline to close on the purchase. It became clear that without Bayviews cooperation, the timeline could not be met. I informed the buyer and we agreed to discontinue his pursuit to purchase the home. I pulled the listing. XXXX and I continued to call and write Bayview for help for another year. In XX/XX/XXXX, a process server came to my front door with notification from the XXXX XXXX XXXX of the intent to foreclose. He had in his hand a packet for my husband and one for me. I signed for my packet and informed the process server that my husband was XXXX. He seemed confused when I told him this and he said there was no record of his XXXX. I told him of course there is record and to try the department of vital statistics to find it. I also mentioned that XXXX XXXX XXXX had been notified of this multiple times. I brought the packet to XXXX XXXX office the next day. He thought that this might be a good thing, that now we might be able to work with the bank directly to settle the issue. XXXX filed a counter suit on my behalf to stop the foreclosure of my home on XX/XX/XXXX. A conference with Justice XXXX of the Supreme Court of NYS and the XXXX XXXX XXXX was scheduled for XX/XX/XXXX. XXXX and I met with Justice XXXX on XX/XX/XXXX. The XXXX XXXX XXXX representative did not show. While meeting with Justice XXXX, we explained that we had been attempting to contact the mortgage servicer since the time of my husband 's XXXX and explained how we had been stiff armed by them and were repeatedly refused the opportunity of working out any agreement to either buy out the mortgage or sell the property. XXXX XXXX suggested ( off the record ) that we should start the negotiations with the XXXX XXXX XXXX offering to pay them out with another mortgage ( if I could obtain one ) in the amount that was owed at the time of my husband 's XXXX. This amount was approximately {$150000.00}. On our way out of the courthouse, we ran into the lawyer who was hired to represent the XXXX XXXX XXXX ( a young local lawyer secured by the bank that morning ). He asked us to wait while he asked the judge for permission to speak with us. XXXX reasoned that by agreeing to do so, we could speed up the process of settlement. So we did. When the lawyer for the XXXX XXXX XXXX returned, XXXX pitched the offer of settlement that Justice XXXX had recommended. The banks lawyer responded saying that the XXXX XXXX XXXX was looking for an amount closer to what the interest and fees covered to date ; I would be allowed to assume the note as it was owed to date. The banks lawyer suggested we discuss this with XXXX XXXX XXXX, the banks official council. XXXX sent correspondence to XXXX XXXX with our offer. XXXX XXXX office never responded, nor did they send a formal offer to allow me to assume the note as the banks lawyer had suggested. There was no correspondence from XXXX XXXX XXXX. I was able to secure a promise of financing from XXXX XXXX XXXX in the amount of {$180000.00} for a home mortgage. XXXX sent another letter to XXXX XXXX XXXX on XX/XX/XXXX, informing XXXX XXXX that I had secured a line of credit that would allow me to pay the outstanding debt. There was, again, no response and no progression in these negotiations. The XXXX XXXX XXXX simply did not respond to our initial offer nor to our proof of commitment from XXXX XXXX XXXX. After extending the promise from XXXX, the commitment expired. In XX/XX/XXXX the XXXX XXXX XXXX escalated the foreclosure again and another conference with Justice XXXX was scheduled for XX/XX/XXXX. The surrogate lawyer for the XXXX XXXX XXXX ( the one we had met at our previous court appearance ) again showed up late to our conference, but was allowed to attend. With his time running short, Justice XXXX asked about our progress to date and inquired as to why at this point a settlement had not been reached. After explaining what we had offered, that I had gotten commitment from XXXX to secure the mortgage, and that I had sent it along to XXXX XXXX office, the judge asked the surrogate lawyer why there had been no counter offer from the bank. After messaging from his phone another lawyer from the XXXX XXXX XXXX, he responded simply that XXXX XXXX office had never received any such offer from us. XXXX XXXX stood up and told us to continue negotiations. The conference was adjourned and XXXX reached out again to XXXX XXXX office. There was no response from XXXX XXXX. Early XX/XX/XXXX, a motion for Summary Judgement was filed by the XXXX XXXX XXXX, against my husband. XXXX counter-sued with the defense that in NY, one can not file suit against a XXXX party. Included in that counter-suit was an argument from myself stating that the defendants, the XXXX XXXX XXXX, had failed to negotiate in good faith, that reasonable attempts had been made to settle the mortgage debt with the XXXX XXXX XXXX, and that they did not follow through on Justice XXXX order to negotiate with me. In XX/XX/XXXX, Justice XXXX granted the banks motion to foreclose. At this point in time, XXXX and I discussed my need to obtain a lawyer who specialized in foreclosure. XXXX, being a trial lawyer, thought it best that I secured someone with expertise specific to foreclosure defense. Late XX/XX/XXXX, I contacted XXXX XXXX who agreed to take on my fight with the XXXX XXXX XXXX. We filed an appeal to the foreclosure within the court-specified time frame. In early XX/XX/XXXX, an order to attend a CASP settlement was sent from the State of NY Supreme Court Appellate Division, a department of Civil Appeals settlement program. The date was set for 3 weeks later, XX/XX/XXXX. Two weeks later, on XX/XX/XXXX, the conference was rescheduled for XX/XX/XXXX, because the XXXX XXXX XXXX requested more time to prepare. They then requested to send an appraiser to my home. I agree and they scheduled the appraisal for XX/XX/XXXX. On XX/XX/XXXX, they sent my lawyer, XXXX, a Successor in Interest Mortgage Assumption package which she forwarded to me. Four years, 11 months, {$58000.00}, and countless dollars in lawyers and bank fees from my first contact with XXXX XXXX XXXX, I finally had in my hands for the first time the Assumption Package I needed to settle this ordeal. I was still home, recuperating from XXXX XXXX XXXX done in XX/XX/XXXX. Without access to a printer and a fax machine to complete the package, I completed it as quickly as I could and returned it to XXXX on XX/XX/XXXX. Frankly, I thought that 3 weeks completion time was a rapid turn-around considering it took nearly 5 years to get the packet from Bayview in the first place. On XX/XX/XXXX, the CASP conference began with myself, my lawyer, a lawyer from the XXXX XXXX XXXX, and an account manager from XXXX XXXX XXXX. I was finally able to ask questions. In XX/XX/XXXX, XXXX XXXX and XXXX XXXX issued a directive to mortgage servicers to work through the assumption of delinquent single payer mortgages with Successors in interest. Can you please tell me why your company refused to do this with this mortgage? And why, after I secured financing to pay off the loan in its entirety, the XXXX XXXX XXXX ignored requests from my lawyer to settle this in XX/XX/XXXX, XX/XX/XXXX? The account manager from Bayview responded. " XXXX [ ], you are not our client. Those directives and the subsequent directives from the CFPB are guidelines, not laws. We are under no legal obligation to work with you at all and have never been. Those are guidelines, not regulations. My lawyer, XXXX XXXX asked But you will now? The arbitrator from the state also queried, We are all here to see that XXXX XXXX gets to keep her home, right? The account manager from XXXX XXXX XXXX replied, We have not had enough time to review the packet XXXX [ ] returned to us late. The XXXX XXXX XXXX lawyer added that there were ways we ways in which we could modify the mortgage to either reduce the amount or put the interest and escrows behind the mortgage in a balloon payment to be paid off at the end of the mortgage. At this point, I began to look more hopeful. The account manager from XXXX added, Only if we approve your modification package, perhaps at this point you should inquire elsewhere for financing. At this point, I do not know where this case will go. In the event I assume the entirety of the mortgage complete with interest and escrow, I will not be able to afford to keep my home. Im also not entirely sure the bank would not proceed with foreclosure on my home. Im at my wits end.
02/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • XXXXX
 Web
Approximately a few years ago, when we filed a complaint against our mortgage company, and based on its response, we could not grasp comprehensively what was being done to us by XXXX XXXX XXXX XXXX/XXXX via Bayview Servicing, it financing, modification, etc. But we could feel the gravity of it, but could not explain it on paper. I believe we have gotten close to explaining it now, as or for everyday Lay People. My husband and I purchased a Small Residential Multifamily Commercial property approximately ( 15 ) years ago. And after it being sold a few times, etc., we ended up with it being purchased by ( XXXX XXXX XXXX XXXX and Serviced by Bayview Servicing interchangeably ) approximately the last ( 13 years ). And we have not been able to Even Discuss Refinancing with this mortgage/bank. This is because of geographical restriction ( XXXX XXXX XXXX XXXX ) placed on property owners like us ( after the bank purchased our mortgage ) ; And because we did not live in certain states outlined by the bank for refinancing, so we were refused any refinancing. Which I find to be discriminatory, and I dont see much difference in this type of Restriction and a type of Redlining. ( i.e. New York, New Jersey, Connecticut, Pennsylvania, Maryland, Delaware, Virginia, West Virginia, and Washington, D ] are the only states XXXX XXXX XXXX XXXX/XXXX accept financing or refinancing of Commercial Properties. And that is after XXXX XXXX XXXX XXXX/XXXX purchased our property from our original mortgage company ( i.e XXXX XXXX dba XXXX via Bayview Servicing ). XXXX XXXX XXXX XXXX/XXXX purchased our mortgage knowing we lived in Florida and the Bank with its geographical restrictions vowed not to refinance our small commercial property if we didnt live in a [ Selective Group of States ]. The above states are the only states XXXX XXXX XXXX accepts financing or refinancing, according to my phone conversations with XXXX XXXX XXXX representatives, and ( has been viewed on online information ). So what are the rest of Their Commercial Property Loan/Mortgage Holders Supposed to Do. Over the years, XXXX XXXX XXXX XXXX/XXXX has placed a constraint on small residential commercial property owner ( s ) like ourselves. And has Restricted us from refinancing out of a ( Extremely Costly and Bad Promissory Note Agreement ) and ( Extremely Long Term Costly Modification ) that was originated by the same companies that XXXX XXXX XXXX XXXX/XXXX purchased the mortgage from and interchangeably utilized as a Servicer ( i.e. Bayview Servicing ). Approximately in the last eleven ( 11 ) years, that modification causes us to receive an ( Adjustable Rate Notice of a mostly increase change in our monthly payments ) every 6-months each year approximately for the last 11. We should have had the right to refinance out of such a [ Bad and Costly Financial Agreement ] years ago, when we requested it. And with the Origination and Modification of this Mortgage there was Misrepresentation of the Closing Documents regarding My Rights ( XXXX XXXX ) of our Commercial Residential Property as follows : XXXX XXXX dba XXXX and Bayview Servicing for XXXX made a mistake to solely place my husband name ( XXXX XXXX ) as Borrower on the Promissory Note when we are both responsible for payment of the Mortgage. ( i.e. Jointly and Severally as stated in the Promissory Note ). My name should be included in print. ( XXXX XXXX ). And ( one of the Reason Being ) the approximate ( {$75000.00} ) paid down with closing costs to purchase this Commercial Residential Property, came from both of us ( as two working people ) Not From One of Us!. So one can not own it or its financial rights. [ XXXX XXXX dba XXXX, Bayview Servicing for XXXX and XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX/XXXX ] ( appears to all work interchangeably ) can not just decide to take away my Financial Position or eliminate my position as an Equal Partner Borrower because - one company Services the mortgage/loan and the other one Purchased it and decided to create an alternate character far as my involvement ( XXXX XXXX ). Regarding loan qualifications for the purchase of this property, my husband doesnt provide the money for the mortgage, it comes from the tenants rental payments. So both of us are actually qualified borrowers. And we both had jobs. And he can not, financially make the mortgage payment for the property himself ( if theres not a rental income ). It would take money from both of our salaries, etc. to put together that large of a mortgage payment. So again, I am in the position as a borrower as much as my husband is. XXXX XXXX XXXX XXXX/XXXX and Bayview Servicing has been giving my husband ( XXXX XXXX ) all the [ on paper ] rights, etc. to be in charge of all aspects of our property ( i.e. My signature not required for the modification ; His name in the writing of propertys rental income payment checks ; A backseat position for me on the insurance policy, and being told [ do ] I have permission from XXXX XXXX XXXX via customer service to ( give me the permission ) to discuss the propertys business. That indicates a bias against me as a women Eventhough the Promissory Note states ( Jointly and Severally ) which holds me responsible for the payment of the mortgage/loan just a much as him. And again to mention, the large sum of money spent to purchase this property was not ( my husbands ) alone, its was Both of ours. My husband does not own any Sole Rights between the two of us ( regarding our property ) and neither does he own me. So he would not have the sole right ( neither does XXXX XXXX XXXX XXXX or Bayview Servicing at that time ) to determine who writes their name on our commercial propertys checks, which is covered by the money collected from the propertys tenants not my husband ( XXXX XXXX ). It appears that XXXX XXXX XXXX XXXX XXXX/XXXX and Bayview Servicing ) did not follow the requirements of the closing document ( s ). This can cause legal ramifications. The Original Promissory Note which states Borrower, hereby Jointly and Severally ( if more than one ) partner, etc. promise to pay. I paid a financial equal share to purchase this property as borrower, and I am an equal partner Borrower. So any agreements or changes carried out on the property should have required my signature and permission ( i.e. The Modification of the property ). REASON TO RETURN MATURITY DATE TO ORIGINAL DATE : Bayview Servicing did not choose to acquire signatures from both borrowers [ for the Modification ] when it stated in the Promissory Note ( Jointly and Severally ). Knowing I am an equal borrower and partner to the mortgage. Which means directly and indirectly we are both responsible for the [ Mortgage Payment ] of the property. So any Financial Decisions or Extended Mortgage Years, should have been a decision of both Borrowers/Parties. Because I would have NEVER added ( 15 ) years on to an investment property. There is no investment ( for the investor ) if the bank is going to take the investments for an entire two lifetimes. To add, I brought my husband to the table in this property deal/purchase, he didnt bring me. And ( Bayview Servicing and XXXX XXXX XXXX XXXX ) could have asked me ( if they didnt know ) instead of making up a decision in their office. But you ( the Mortgage/Bank and Servicers, etc. ) create the documents language, and can read a promissory note and a Mortgage and Security Agreement. As a reminder this financial relief we asked the bank for in ( XXXX ) happened at the height of the countrys Financial Crisis. But you ( XXXX XXXX XXXX XXXX/XXXX via Bayview ) dont have to make us pay for it over ( 28 ) years with our investment property by adding ( 15 ) years to the already ( 15 ) years mortgage, plus ( Lifetime Monthly Mortgage Payment Increases ). And calling it an affordable modification. XXXX XXXX XXXX XXXX raised our mortgage ( {$500.00} ) last month at the snap of a finger. So, apparently, they are not concerned if we can not afford payments anymore. So there needs to be a discussion on eliminating those ( 15 years ) off our mortgage and return our maturity date back to the one on the Original Promissory Note [ XX/XX/XXXX ] ( which is the Note Bayview and XXXX XXXX XXXX XXXX kept anyway ). Except eliminating that area of [ XXXX XXXX XXXX Increase ] for only TWO YEARS. Then returning back to the Original Adjustable Promissory Note Rate of approximately [ 10.5 % to 11 % ] to date, and still going. The high interest rate from [ The Adjustable Promissory Note ] attached back to the mortgage could have never been real Relief or Affordability. Soon we were not paying much less in monthly payments than we were before. To call it a Relief or an Affordable modification [ Bayview Servicing ] should have permanently adjusted/change the interest rate ( more affordably ) so we would not have to pay for an investment property for two terms ( 30 years ). And should have kept the original maturity date ( XXXX ). Because for the first 15 years we have not been paying off the property, at all. ( i.e. Presently, Approximately [ {$70000.00} ] has gone toward the Principal ) ; At Date of Purchase, approximately [ 75, 000 ] was paid down including closing costs. So [ ACTUALLY ] we can say there has not been ( Any Money ) paid toward the Reduction of the Principal in ( 15 ) Years. ( See attached [ recent ] XXXX XXXX XXXX Statement, P & I Balance ). Also, thats why we should have been allowed the opportunity to refinance out of this Costly Mortgage Note a little over few years ago when we requested it. WHAT CAN FIX THE PROBLEM : XXXX XXXX dba XXXX and Bayview Servicing for XXXX made a mistake to solely place my husband name ( XXXX XXXX ) in print as Borrower on the Promissory Note when we are both responsible for payment of the Mortgage. ( i.e. Jointly and Severally as stated in the Promissory Note. ). My name should be included in print ( XXXX XXXX ). Bayview Servicing ( including XXXX XXXX XXXX XXXX/XXXX ) needs to correct and make clear on the Promissory Note that I am a Borrower and Equal Partner just like my husband ( XXXX XXXX ). Because I can collect rent from the tenants ( which pays the Mortgage ) and make the check out to the bank as well as my husband. This act by both financial institutions give the appearance of being bias against me the wife/females. Ensure the same language is included and clear between [ Promissory Note, Mortgage and Security Agreement and Rider To Mortgage and Security Agreement ( Florida ). And ( make notation in the banks/servicers mortgage files in your offices ) the approximate ( {$75000.00} ) paid down, that includes closing costs, to purchase this Commercial Residential Property, came from both of us ( as two working people ) Not From One of Us!. So ( One ) can not own the property or any Rights surrounding it. Regarding the Modification, after the two ( 2 ) years of the Modification which was ( 5.5 % interest rate ) the bank returned back to the Original Adjustable Promissory Note Rate [ approx. 10.5 % to 11 % ] approximately for the last ( 11 ) years. So Instead of us paying payments to the Bank ( s ) approximately the exact same way/amount ( according to the Adjustable Promissory Note ) for 15 years, we would be paying them the ( exact same way/amount ) for 30 years. We request to have back the Original Maturity Date of ( XXXX ). Extending the mortgage for 15 years was no relief because the cost of the mortgage has placed us at a great financial lost and disadvantage. There was a mortgage Modification but not an affordable one. This ( mortgage modification ) is only a relief in an extremely, costly, long term way ). So another ( 15 ) years does not financially benefit us at all as property investors. The Modification process should be labeled ( Invalid ) because it should have required both borrowers signatures [ XXXX XXXX AND! XXXX XXXX ]. And because ( Bayview Servicing Silenced and Eliminated the Rights of the other Borrower ( me ) ( the wife ) ( XXXX XXXX ) during the Modification Process. Also, again, we are requesting the property is returned to its Original Maturity Date ( XX/XX/XXXX ). XXXX XXXX XXXX XXXX/XXXX needs to come up with a ( Modified ) and ( Affordable ) way to ( Adjust, etc. ) our mortgage to get rid of those ( 15 ) years off our Commercial Residential Property mortgage. And done with affordable mortgage payments until the ( XXXX ) maturity date ( like the current payments-without the added [ {$500.00} ]. Because I believe we have gone thru enough and the two institutions ( i.e. Bayview Servicing and XXXX XXXX XXXX XXXX/XXXX ) have taken enough from us and done enough to us. So, again, there needs to be a discussion on eliminating those ( 15 years ) off our mortgage and return our maturity date back to the one on the Original Promissory Note [ XX/XX/XXXX ] ( which is the Original Note Bayview and XXXX XXXX XXXX XXXX kept anyway ). Except eliminating that area of [ XXXX XXXX XXXX Increase ] for only TWO YEARS. Then returning back to the Original Adjustable Promissory Note Rate of approximately [ 10.5 % to 11 % ] to date, and still going. XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Affiliated Companies/Financial Institutions : Bayview Loan Servicing , LLC Customer Support Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX https : //www.bayviewloanservicing.com/contact-us/ Loan Owner : XXXX XXXX XXXX XXXX XXXX as Trustee Bayview Commercial Asset Trust 2005-3 MBS Administration XXXX XXXX XXXX , XXXX XXXX XXXX , NY XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX
04/12/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 33314
 Web
Detailed Hardship We began a new business, XXXX XXXX XXXX XXXX XXXX and XXXX. The business was broken into twice and was not successful. The XXXX, ____________ mother, had a XXXX XXXX and has been unable to work. Our son, now XXXX years of age, was born with a XXXX XXXX ( XXXX ) which requires him to be on a very specific and expensive diet. For a period of time, our son required specialist visits three times a week. Our health insurance premiums are very high to cover costs of the XXXX ____________ was diagnosed with XXXX XXXX XXXX and XXXX XXXX. For years we struggled to make payment but made what we could when we could. In XXXX XXXX refused a partial payment and we were told to make 3 monthly installment payments which could not be done. From that point forward we have exhaustively tried to obtain a response to our complete loss mitigation application. Foreclosure Suit A foreclosure complaint was filed on XX/XX/XXXX. A default final judgment was entered on XX/XX/XXXX. The foreclosure sale was scheduled and cancelled five times from XX/XX/XXXX until the sale was held on XX/XX/XXXX. The cancellations were due to our loss mitigation application and the loan servicing. A complete copy of the court docket is attached hereto. Servicing On XX/XX/XXXX I was advised my loan servicer was changed from XXXX to Bayview Loan Servicing , LLC, a copy of which is attached hereto. Loss Mitigation Application On XX/XX/XXXX, we wrote a hardship letter requesting assistance to stay in our home. InXX/XX/XXXX we completed a Request for Mortgage Assistance which was sent to XXXX. On XX/XX/XXXX we received another letter regarding the change in loan servicing. On XX/XX/XXXX we sent in an application for loss mitigation by fax to XXXX which contained a total of 49 pages. On XX/XX/XXXX we received a letter requesting missing documents from XXXX XXXX. On XX/XX/XXXX we received a notice from Bayview Loan Servicing advising our hazard insurance expired. On XX/XX/XXXX an email was sent to XXXX XXXX requesting contact. On XX/XX/XXXX an email was sent to XXXX XXXX requesting contact. XX/XX/XXXX we received a letter from XXXX XXXX advising our application was incomplete. On XX/XX/XXXX an email was sent to XXXX XXXX requesting contact. On XX/XX/XXXX we wrote a hardship letter requesting assistance to stay in our home. On XX/XX/XXXX we received a letter from XXXX XXXX acknowledging receipt of our loss mitigation application. On XX/XX/XXXX we received a letter from XXXX XXXX advising items we needed to complete the application. On XX/XX/XXXX we were advised credit reports were pulled. On XX/XX/XXXX we were advised credit reports were pulled. On XX/XX/XXXX we received a letter from XXXX XXXX advising our loss mitigation application was incomplete. On XX/XX/XXXX we received a letter advising the application was received in whole or in part. On XX/XX/XXXX we were advised credit reports were pulled. On XX/XX/XXXX we were advised credit reports were pulled. On XX/XX/XXXX we received a letter stating our point of contact is XXXX XXXX. On XX/XX/XXXX through XX/XX/XXXX emails were exchanged with XXXX XXXX. On XX/XX/XXXX, we received a letter from XXXX XXXX stating our application was incomplete. On XX/XX/XXXX XXXX XXXX acknowledged receipt of the application by email. On XX/XX/XXXX we wrote a letter to the Court. On XX/XX/XXXX we received a letter from XXXX XXXX advising how we can send in a loss mitigation application. On XX/XX/XXXX we received a letter from XXXX XXXX acknowledging receipt of our loss mitigation application. On XX/XX/XXXX we received a letter from XXXX acknowledging receipt of our loss mitigation application. On XX/XX/XXXX we received a letter from XXXX identifying missing third party information. On XX/XX/XXXX we received a notice for Cash for Keys. Violations Including, but not limited to : ( i ) failure to keep continuity of contact ; ( ii ) failure to identify NMLS # s ; ( iii ) failure to acknowledge receipt of loss mitigation applications ; ( iv ) failure to identify missing documentation ; ( v ) failure to adhere to suggested deadlines ; ( vi ) violating prohibition on dual tracking ; and ( vii ) holding a foreclosure sale while loss mitigation application was still pending. XX/XX/XXXX To Whom it May Concern, Im writing this letter in reference to loan number ___________. We fell upon a few years of hard times and tragedies that led to us falling behind on our mortgage and we take responsibility for that. We began a new business that was broken into twice and was not successful, we had a child born with a XXXX XXXX which requires him to be on a very specific and expensive diet and for a period of time, we had to see and pay specialists three times a week. My mother-in-law had a XXXX XXXX and my husband had XXXX XXXX XXXX causing him to be out of work for an extended period of time. Due to these circumstances, my husband fell into a XXXX XXXX XXXX XXXX and was diagnosed with XXXX XXXX XXXX and XXXX XXXX. We attempted to make a payment, however, it was refused unless we could provide 3 months worth and that was not possible. We are back on our feet and have gotten our issues in order now. We feel that our loan was mishandled and that the staff members were unprofessional and negligent, resulting in the loss of our home. Our intention from the beginning was to maintain possession of our home and we have complied several times in providing the required documents. However, many times, we were notified that we were missing documents but were not told what those documents were making it impossible to provide them. We reached out to find out each time and our messages were not returned. From the beginning, there was never an open line of communication. We reached out several times via email or voicemail without returned communication. We even have emails stating that we had left several messages or emails without being contacted back. On one of these occasions, we submitted all of the requested information and received again no verification that they received it. After several phone calls and emails, XXXX XXXX stated that we did not get the requirements in by the deadline ( which we had. ) I asked him to review his email again because I was sure we sent it in on time and he stated that sometimes the department that is supposed to upload the information takes a couple of days to do it so that department did not upload it on time although we had submitted it on time. He again requested more updated information and we again complied and resubmitted the same information updated. We received a letter dated XX/XX/XXXX that stated Bayview had received our package and that they would be reviewing our case and would give us an answer within 30 days. We attempted to contact him again just to ensure that there was nothing we should be doing in the meantime again, with no response. However, we did get a letter in the mail on XX/XX/XXXX, Introducing Our Contact, which was XXXX XXXX ( the same person we had been dealing with all along ). Soon after receiving that, we received the letter stating that the scheduled foreclosure sale would be on XX/XX/XXXX. We reached out to him several times through email and phone calls, again with no reply. When XXXX XXXX finally did reply, he stated that we were never sent the letter stating that they had received our paperwork. He asked us to send him a copy, which we did, and that he would be in the office until XXXX XXXX XXXX. We sent the fax, emailed, and called his office, again with no response. After another email or two asking if he had received the document that they had sent us, his response was, " Yes, I received it. Thanks. '' There was no further directions on how to proceed or what to do from there. Friday XXXX, I arrived home to see that there was an overnighted package on my porch that stated that we were missing documentation ( although it did not state what documentation ) and there was a new person 's name on the paperwork as the contact person. I contacted XXXX XXXX who was our new appointed person. She stated that although the paperwork may have been there by the deadline, they get thousands of emails a day and it takes them time to upload the documents and I shouldve sent it earlier. I explained to her that we had a deadline and it was submitted by the deadline and if it was going to take several days to upload then the due date shouldve been set for several days earlier. She then said, I dont understand why it takes you a month to get pay stubs in the first place. I explained to her that we had no idea that we were missing paystubs because we were never informed of that. She said we received a letter stating what we were missing ( which we did not ) and that the system says that XXXX XXXX returned my phone calls and we didnt answer. This was also untrue unless he called the home phone number during the day when we were working and did not leave a message. This should not have been the phone number used as he was provided with email addresses and cell phone numbers where we could be reached. XXXX XXXX suggested we go to the courthouse and fight to cancel the foreclosure sale that was set for XX/XX/XXXX. He told my husband that if we got the sale cancelled, he would be happy to work with us to try to get a loan modification. We did get the foreclosure postponed until XX/XX/XXXX. We emailed XXXX XXXX to let him know. He sent us a new package again and we completed the entire package and attempted to fax it for two days and the fax would not go through. We reached out to XXXX XXXX for a working fax number and sent the entire package to him the week before the foreclosure sale date. He responded that he had received the information and that he would put a rush on it. I called XXXX XXXX several times with no response then reached out to him again on XX/XX/XXXX, the day before the foreclosure sale via email again with no response. See email below. Dear XXXX XXXX, I have called a few times since last week and have not received an answer. I know that there was some difficulty with your fax machine but that you did receive our paperwork. My question is, what happens with the foreclosure sale that is supposed to happen tomorrow? Does it get postponed while you review our paperwork? Please call me or email us to notify us. We would really like to know if we have the possibility of keeping our home pending the review of our paperwork. Thank you, The day of the sale, my husband attempted to speak with XXXX XXXX several times to see if our home would in fact be foreclosed on. XXXX XXXX sent an email stating that he would call him in 10 minutes, meanwhile, our home was on the list to be auctioned in a few minutes. XXXX XXXX called my husband an hour later as our home was being auctioned. My husband said, Youre calling me right in the middle of the auction? XXXX XXXX said that he saw that it was happening at that time and that he was going to contact the attorney and call my husband back. He still has not called my husband back to explain what happened. XXXX XXXX called our home the night our house was auctioned and stated that all of our paperwork was in and he couldnt do anything to stop the sale because the county was going through with it. He also suggested we get a lawyer because we were not given enough time and that there is a 37 day rule. That is incorrect information because the 37 days applies to 37 days prior to the sale so we were given incorrect information. He then told me to contact XXXX XXXX to see how we could have the sale rescinded. He also stated that he would call me back to let me know who the plaintiff was so that I could speak to them about getting it rescinded. I still have not been told who that is so that I could see what we could do. At this time, our phone calls are being reviewed, however, I hope that the emails and voicemails are being reviewed as well as there are few phone conversations since we were seldom called back. I also hope that the system that shows that he returned phone calls, states what numbers were being called and cross referenced with the phone numbers left via email and voicemail as I have only received 1, or maybe 2 messages at home and none on either cell phone number that was provided. It is my understanding that we are required to receive a denial letter and we did not receive this letter. In fact, we did receive a letter two days after the sale stating that all of the required documents had been received and that any foreclosure proceedings would be stopped. We were told that this was an error. We were also told that a due date is in fact a due date even if the documents are not uploaded on time meaning that all of the required documents were received before the due date. We were also encouraged by XXXX XXXX to look into the 37 day rule which was also an error because it does not apply to our situation. These may seem like simple errors to Bayview but they are not simple errors for us as this is our home. We have done everything that we were told to do several times and feel that Bayview was negligent in the handling of our loan. This has been a home to me and my family for a long time and our blood, sweat, and tears went into making this home ours. The careless mishandling of our paperwork has caused us great emotional distress and has given us hope several times, just to knock us back down. There will be a package sent to Bayview with a complete timeline and copies of communications we received. This letter, and the documents in the package will be forwarded to the CFPB and Florida Attorney General.
11/29/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 344XX
 Web Older American, Servicemember
My husband died of XXXX in XXXX of this year. Since then I am not only mourning his loss but in addition i find myself totally stressed out over the fact that I am unable to convince the Mortgage Loan Servicing company to allow me to take over/assume the mortgage on our home. I even think I may possibly face foreclosure unless this issue is resolved. The Mortgage Loan Servicing company apparently has a totally different interpretation of what it means to 'Assume ' a mortgage loan. I am told that I must apply for an 'Assumption ' and they sent an 'Assumption Package ' that asks for detailed mandated financial, credit, and tax disclosures and mirrors a new mortgage application. Added to that are hefty fees. IN CONTRAST, MY UNDERSTANDING OF TAKING OVER THE MORTGAGE LOAN AS IT EXISTS ALONG WITH THE MODIFICATION IN PROGRESS CONSISTS OF MY WILLINGNESS TO BE DECLARED THE OBLIGOR BORROWER. ***I did recently find hope in what I read in your, the Bureaus rule, titled : 'Application of Regulation Z 's Ability-To-Repay Rule to Certain Situations Involving Successor-in- Interest ' On pp XXXX, item XXXX Subtitled : 'THE ADDITION OF A SUCCESSOR AS NAMED OBLIGOR GENERALLY DOES NOT CONSTITUTE AN " ASSUMPTION '. Reference is made to section B, second paragraph, which states the following : " A residential mortgage transaction does NOT arise where a successor takes on the debt obligation that is secured by property the successor PREVIOUSLY ACQUIRED. In these situations XXXX ( b ) does not apply when the successor agrees to be added as an obligor on an existing mortgage loan. ALTHOUGH THESE TRANSACTIONS ARE COMMONLY REFERRED TO AS ASSUMPTIONS, THEY ARE NOT ASSUMPTIONS UNDER XXXX ( b ) BECAUSE THE TRANSACTION IS NOT A RESIDENTIAL MORTGAGE TRANSACTION AS TO THE SUCCESSOR. Accordingly, the XXXX Rule XXXX does NOT apply to a transaction in which the successor seeks to take on the debt secured by property that the successor previously acquired. '' **** Please allow me to give background details : - BOTH names ( no other ) on XXXX DEED, listed as " JOINT TENANTS with FULL RIGHTS OF SURVIVORSHIP '' - BOTH names on XXXX MORTGAGE, however ONLY HUSBANDS NAME ON NOTE ( Please note that as part of the mortgage process was the inclusion of detailed, full financial disclosure /information that had to be submitted by BOTH ). - XXXX RECORDED ASSIGNMENT OF MORTGAGE to Loan Servicer states ( quote ) : " Said Mortgage was made by ( listing husbands name ) and ( listing wife 's name ) and recorded in XXXX XXXX of XXXX ( naming County & State etc. ) - XXXX - XXXX Mortgage under COVID FORBEARANCE ( Amount listed as 'Past Due at recent End of Forbearance : {$7900.00} ). - Following Forbearance : Letter from Loan Servicer to husband dated XX/XX/XXXX Subject : " LOAN MODIFICATION OFFER ENCLOSED - ACT NOW TO AVOID FORECLOSURE '' Letter states : " YOU ARE APPROVED FOR A TRIAL PERIOD PLAN TO MODIFY YOUR MORTGAGE PAYMENT '' - ALL REQUIREMENTS OF LOAN MODIFICATION OFFER WERE ACCEPTED AND ADHERED TO! PAYMENTS OF ALL 3 TRIAL PAYMENTS WERE MADE IN A TIMELY FASHION AND ACCEPTED BY LOAN SERVICER VIA PHONE. ( Note : 3rd Trial payment, initially was not processed correctly by agent as apparently she had entered account number off one digit and hence payment did not end up going through despite of funds being available. Immediately after noticing that funds had not been taken out of account Loan Servicer was contacted to find out what was going on. Payment was resubmitted while still a month ahead of due date ). - Following my husbands Covid related death in XX/XX/XXXX, I CONTACTED THE LOAN SERVICER without delay, via phone, to report husbands death. I requested to : " PLEASE PLACE ACCOUNT INTO MY NAME. '' Adhering to instructions by Loan Servicer to send death certificate, I sent all pertinent documents : Death certificate, Copy of Deed ( XXXX ), The Will along, Tax Assessors records which, following husbands death, now only show my name. Also, because of different last names I included Marriage certificate for clarification. Made request to " PLEASE PLACE ACCOUNT INTO MY NAME '' To speed things up, All sent via FAX - Loan Servicer sends Letter dated XX/XX/XXXX stating " TO CONFIRM STATUS AS SUCCESSOR IN INTEREST SUBMIT '' : " PROBATE -COMPLETE PROBATE DOCUMENTS, and PROBATE DEED FROM PERSONAL REPRESENTATIVE OF THE ESTATE TO HEIR ( S ) ENTITLED TO PROPERTY " NO LATER THAN XXXX " Servicer advises that if documents are not received by deadline that it would not be possible to list me ( wife ) as Successor in Interest and request would be closed. In response I called several times to inform Loan Servicer that there is NO PROBATE. Explained that husband had no assets, and since deed was titled in 'Joint Tenants with Full Rights of Survivorship ' as allowed per State Law there would be NO Probate. Also pointed out that IF there had been any Probate that it would certainly take more than 30 days. Loan Servicer states that documents previously sent by me via Fax need to be resubmitted as they must be sent via mail. Also was told that in order to take over the mortgage a request for an ASSUMPTION must be made and that it must be sent to Loan Servicers Assumption Department. -Complying with Loan Servicers instructions I sent all pertinent documents again, this time as requested by mail, addressed to 'Attn. Assumption '. enclosed detailed letter outlining names on deed, mortgage etc. and ASKING LOAN SERVICER TO " ALLOW me to ASSUME THE MORTGAGE, ALONG WITH THE MODIFICATION " for which the Trial payments had been made via phone, as it was not possible to pay online. ( Note that as of late after logging onto account it now states in LARGE print : " UNABLE TO MAKE A PAYMENT '' ( you can contact your dedicated loan rep with any questions ). XXXX XXXX XXXX ( XXXX ) XXXX Mon-Fri XXXX to XXXX PM ET. ) - Letter from Loan Servicer dated XX/XX/XXXX addressed to me as a " POTENTIAL SUCCESSOR IN INTEREST '' advising that the Loan Servicer has received information that : " A POSSIBLE TRANSFER OF OWNERSHIP OF THE PROPERTY HAS OCCURRED DUE TO THE DEATH OF THE BORROWER and/or co-borrower of the loan ". The letter further stated that : " Pursuant to applicable law, ( the Servicer ) is required to obtain certain information regarding the deceased borrower/co-borrower, including information about the transfer of the property and whether an estate has been opened. Please see below documents received from your request to be confirmed as a Successor in Interest " : **** PROBATE WARRANTY DEED **** The letter continued : " ONCE WE HAVE CONFIRMED YOUR SUCCESSOR IN INTEREST WE WILL GLADLY DISCUSS ANY LOAN INFORMATION AND/OR THE STATUS OF THE ACCOUNT WITH YOU. '' - Quite a number of phone calls thereafter to Loan Servicer followed while I pointing out that I HAVE BEEN A JOINT OWNER RIGHT ALONG and THERE CAN NOT BE A 'PROBATE WARRANTY DEED ' as there is NO PROBATE. Also repeated that the existing deed already lists me as a joint owner.. - In a letter dated XX/XX/XXXX the Servicer declared me to be a 'Successor in Interest '. That letter, while supposedly listing my rights and options, failed to bring about clarity and instead left me very confused and stressed. There was no reference made to the fact that I already had asked the Loan Servicer to " Place the account in my name '' and then again requested to " Allow me to Assume the Mortgage along with the modification '' meaning, that I have a desire and willingness to take over the loan and the modification along with the responsibility of the loan. However, a subsequent call to the Loan Servicer actually brought about hope as the Loan Service Representative I spoke to appeared to be listening when I told him that I AM on the deed as a Joint owner since XXXX, that I AM on the mortgage since XXXX easily confirmed by looking at the recorded 'Assignment of Mortgage ' to the Servicer on XX/XX/XXXX. After lengthy periods of time that I was placed on hold as he 'checked on things ' he asked if i received the modification papers which I had not. He told me that they are in the mail, in transit, on their way for me to sign! However, all that was disputed the very next day when I called with a follow up question. Instead of the Modification papers being in the mail I was told that they were not, and that I would not be able to sign them as they were made out to my husband and not to me. I was asked if I received an 'Assumption Package ', which I had not. In addition I was asked if I would like to have an XXXXAssumption Package ' sent to me. While never in my wildest dreams thinking that an 'Assumption ' in the eyes of the Servicer is a Mortgage transaction with full Financial disclosure and fees my initial response at the time was " Well, yes, if you have not mailed one yet '', and so they did. ***After extensive research it is now my understanding that THE TERM 'Assumption ' AS USED BY THE LOAN SERVICER and THEIR INTERPRETATIONS OF THE MEANING OF AN " Assumption '' ARE WORLDS APART from WHAT IS MY UNDERSTANDING an 'Assumption ' SHOULD BE, while giving consideration to my circumstances and my desire to take over the mortgage obligation and to become an obligor. *** - Please Note : the last 3 Statements received are interesting in themselves as it pertains to dates, modification, and the addressed name change in # 3 ( I called and asked for clarification only to be told that supposedly " it does not mean anything, it's still the Estate '' ... ). Also, please note that all 3 statements show no Modification amounts, although the last 2 statements show : " Our records indicate your Supplemental Modification Program status is Modified/active '' : 1. Statement date of XX/XX/XXXX, received on XX/XX/XXXX, and a due date of XX/XX/XXXX, addressed to : " Estate of ( husbands name ) '' with a 'Total Amount Due ' listed as {$7300.00}. NO reference to any Modification, not showing any Modified monthly payment, just a 'Regular Monthly Payment '. 2. Statement date of XX/XX/XXXX (! ) received XX/XX/XXXX and a due date of XX/XX/XXXX, addressed to : " Estate of ( husbands name ) '' with a " Total Amount Due '' listed as {$7900.00} Statement : " Our records indicate your Supplemental Modification Program status is Modified/active '' NOT showing any Modified monthly payment, just a 'Regular Monthly Payment ''. 3. Statement date of XXXX, XXXX received XX/XX/XXXX and a due date of XX/XX/XXXX, addressed to " Name of wife '' with an " Unpaid Past Payments '' of {$7300.00} and a " Total Amount '' {$7900.00}. Statement : " Our records indicate your Supplemental Modification Program status is Modified/active '', NOT showing any Modified monthly payment, just a 'Regular Monthly Payment '' _____________________________________________________________________ Please know, that at age XXXX and XXXX I find it of utmost importance to continue to live in this home and this neighborhood that I have uninterrupted lived in for the last XXXX and where I have made friends that have become my family. It is my Sincere hope that your Bureau will be able to be of Assistance, and help me resolve the issues with the Loan Servicer including the apparent threat of foreclosure.
09/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MA
  • 015XX
 Web
Dear Sir/Madam, XXXX/Bayview/XXXX tried to foreclosure on my house with a sale date of XX/XX/XXXX and there was nothing I could do to stop them. I tried to start paying on my mortgage and contacted them over and over but they never contacted me once and there was nothing I could do to avoid them foreclosing on my house except to file a chapter XXXX. Im a single mother with XXXX great teenagers and Ive been working my entire adult life and only lost my ability to pay my mortgage for 6 months, and had to ask XXXX/Bayview for a forbearance - WHICH THEY APPROVED ME FOR - when I turned XXXX and had a hard time finding work as a woman in XXXX, a younger person industry - and Ive been fully employed since then. There was nothing I could do to avoid their foreclosure process, I did everything they told me to and everything I could to avoid it. XXXX/Bayviews actions caused me to have to file chapter XXXX as my only option to keep my home, see list below. XXXX/Bayview has unlawful practices against people who are under forbearance that cant do anything to avoid foreclosure. XXXX approved me putting my mortgage on a forbearance plan after I lost my job for 6 months and I HAVE PROOF OF THE FORBEARANCE APPROVAL. I got a job and called them immediately to start paying on my mortgage again but they would not let me start paying my mortgage until they reviewed my loan to determine how to adjust it. It took them over 7 months to make their determination that they couldnt adjust my mortgage so I could start paying on it again and I had to file a chapter XXXX as my only option to save my home. I earned a salary of {$150000.00} per year with my new job, and had earned that for years before and years after and I earn that currently so THERE WAS NO BASIS FOR THEM NOT TO ADJUST MY MORTGAGE and let me start paying again which is why I am contacting you. There was no way for me to avoid XXXX/Bayview from foreclosing on my home. In addition, I have incurred exorbitant XXXX/Bayview foreclosure lawyer fees at the end of their foreclosure process, even though I had done everything they told me to do and called them weekly for 7 months and did everything I could think of to move them forward but with zero success. They only gave me one choice - to pay them {$70000.00} or lose my home because it took them 7 months to make a decision, and I owed them {$70000.00} by that time and I was left with no alternatives at the end of that time to save my home except to file a chapter XXXX. They have caused the following list of disastrous impact to my family 's life while ruining my financial life over the past 3 years. Complaint details : The amount of money that I owed Cenlar/Bayview on XX/XX/XXXX was {$25000.00} - this was the day I started my new job and I informed them I was working and wanted to reinstate my mortgage payments immediately. By the time they finalized their decision that they couldn't help me at the end of XX/XX/XXXX, the amount I owed them was {$50000.00} from late payments and other charges and now it is {$70000.00} due to the addition of all the foreclosure lawyer fees. Remember that I contacted them the day I started working to begin paying on my mortgage again I want to know why they charged so much money and I want it removed from what I owe because I should not be held liable for their horribly managed company. I did everything I could to avoid foreclosure and they did absolutely nothing. I should not have to pay for that. They switched my account managers 3 times, and each time the new account manager made me fill out the same 15 page modification application paperwork because their system lost the previous applications I'd submitted along with losing everything else in my file. They never called me once during the 7 months it took them to make their determination that they couldn't help me even though I was fully employed. I called them every single week during this period and their records confirm this. This was the most stressful call of my week because they never had an answer, always made me fill out the forms again because they had been lost in their system and once one of their " Customer service agents '' told me that my house was in foreclosure in the summer of XXXX even though I had been doing everything possible to re-start my mortgage which was the most stressful and hard thing for me to hear that you can imagine. My kids and I love our home and this was devastating. They gave me the phone number for XXXX XXXX XXXX handling my account and I called them so they will have a record of that call. The XXXX lawyer I spoke with told me it wasn't in foreclosure, they were still waiting for Bayview to work with me since I was working and wanted to stay in my home and that I needed to call them back which I did and that conversation took another stressful 2 hours out of my day, all to no avail. I wasted hundreds of hours to fill out their 15 page modification application paperwork 3 times and calling them every week for 7 months, all to no avail. I contacted them every week for 7 months to see if they'd made a decision yet which they never did until the end of that period, all while I was working full time! Each call took at least 30 minutes from being on hold and then trying to find my account in their system, determine why they weren't getting my file completed and trying to find the account manager I was working with since they kept leaving the company and they assigned me a new one every few months! I called again at the end of this period and the " customer service manager '' I spoke with who finally gave me the result of their months of time was to tell me that I wouldn't qualify for a modification and that my only choice was to get the house on the market ASAP. They gave me no reason for their decision. They made no mention of other alternatives or chapter XXXX to save my house even though I stressed the fact that this was my main priority every time I talked with them over the 7 months. I had to work with a separate refinance company after XXXX/Bayview made their determination after 7 months that my only option was to get my house on the market immediately. This XXXX XXXX XXXX charged me {$4000.00} to work with XXXX/Bayview to modify my loan and avoid foreclosure but they weren't able to help me ultimately since I hadn't paid on the mortgage for a year before getting the forbearance which XXXX XXXX XXXX didn't bother to tell me up front so they too could charge me for something they knew they couldn't do for me. I want all of that money plus damages returned to me by XXXX/Bayview. I haven't been able to get any credit for the past 36 months even though I have been working all of the time since I contacted them on XX/XX/XXXX to start paying on my mortgage again after I started working again simply because I couldn't get XXXX/Bayview to make a determination on my file for 7 months. This has halted my business plan that my contractor and I have had for over 12 months to move forward with purchasing a fixer upper to sell with deep experience he and I have in this area. The opportunity cost of the money I could be earning is another way their unlawful practices harmed my kids and I. I am paying an exorbitant interest on my car - .01 % under the illegal interest rate limit because of my horrible credit rating after not paying on my mortgage, which is ALL XXXX/Bayview fault since it took 7 months to make a decision even though I called them the day I started working again. The fees XXXX/Bayview foreclosure lawyers charged my account was for $ XXXX/hr. I want all of that money removed from what I owe. To have to file a chapter XXXX after I had to file a bankruptcy and do a short sale on my house in XXXX is devastating to my credit even though I took every action I could to avoid it, see above. I had to file bankruptcy at that time and sell my house through a short sale because our country was in a depression from what the wall street " bankers '' ( I have other names I call them that are inappropriate for a letter ) that sank our country 's economy by chopping up mortgages into little bits, selling them off in packages and then betting against them in the market and the devastating effects of those losses in the market threw our country into a depression. I was XXXXne of 14 million Americans who lost their homes during that horrible period and I did everything I could to remain financially stable and only asked for a few months of putting my mortgage on hold while I secured a new job after I turned XXXX and didnt realize the hiring problems that caused me ; but that doesn't mean I should lose my rights as a person which is what XXXX/Bayview has tried to do to me in this process. XXXX/Bayview never gave me an answer as to why they wouldnt approve me for a modification even though I made enough money to make the payment comfortably. I have documentation for all of the above, who I spoke to at XXXX/Bayview and when and all of the time I spent filling out their 15 page forms 3 times and calling them every week for 7 months until they finally told me there was nothing they could do. This company put my life on hold for years and prevented me from moving forward with my life. I am a single mother with no family and had to seek therapy due to the stress of this situation which is still having an impact on us since they took advantage of me and had NO regard for the impact they were having on me and my children. Ive been working very hard in the XXXX XXXX industry for 20 years and I cant even get a $ XXXX/mo car loan for my son because of what this company did to my credit. Thank you, and let me know what you need from me to get this mortgage modified immediately. I look forward to hearing from you very soon. XXXX XXXX XXXX XXXX XXXX
05/12/2018 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • MI
  • 487XX
 Web
I am writing to you in hopes that you can help me regain my home as I feel I have been a victim of unfair lending procedures and predatory loan practices by the pressure to resolve a mortgage through Bayview Loan Servicing , LLC. Please let me give you insight to my problem ; In XX/XX/XXXX I filed bankruptcy after a divorce and unemployment issues to prevent my home from being foreclosed on at which time XXXX XXXX XXXX currently had the mortgage. Prior to filing the bankruptcy, XXXX XXXX XXXX would not speak with me regarding the mortgage. When I would call their only response to me was, we can not talk to you about this account even though my name was on the account. I defaulted on the bankruptcy in XX/XX/XXXX after being fired from the job I had for 3 years though I continued to make partial payments. At some point XXXX XXXX XXXX turned the mortgage over to Bayview Loan Servicing , LLC. In the spring of XXXX, I began attempts to have my mortgage modified through Bayview via ( the Home Affordable Modification Program ). Bayview is supposedly an advocate and assistant to the Michigan State Housing Development Authority house programs, yet I have had no such luck dealing with them. For the past 4 years I have been trying to get this worked out but on XX/XX/XXXX they sold my mortgage in foreclosure, to which the papers were filed on XX/XX/XXXX. I was completely unaware of this until XX/XX/XXXX, it was my understanding that Bayviews Asset Manager XXXX XXXX was working with my attorney whom did not know of the foreclosure sale either. My problem lies in this : According to the bankruptcy trustees records my actual balance owed was {$70000.00} as of XX/XX/XXXX. Yet all of the paperwork from Bayview lists the principal balance as : XX/XX/XXXX = {$92000.00} XX/XX/XXXX = {$92000.00} XX/XX/XXXX = {$91000.00} Each time I have received modification paperwork I questioned them on these discrepancies in amounts, where the money I have paid to Bayview has gone and why the statements I have received have been wrong, I also questioned the validity of their numbers and each time I asked, I would receive no response. I called Bayview and sent emails without as much as an attempt to answer or resolve the issues I had. I would make the agreed upon modification payments by phone as they insisted was the only way I could until their phone system would no longer let me. I called and wrote to inquire as to why the phone payment system would not take my payments and received no answer until it was too late to rectify the matter. I was never informed of, or offered any information by Bayview about the Home Affordable Unemployment Program ( UP ) which is a prerequisite to the HAMP program during my periods of unemployment. I was never informed of any forbearance or deferment programs that could assist me with my mortgage while I was unemployed ( Emergency Homeowners Loan Program, FHA Special Forbearance ). I was never put in contact with the Michigan State Housing Development Authority or a HUD representative either, in fact, I had no idea that any of these resources existed to help me until they were of no use to me. My only option was to be repeatedly put through a process of HAMP trials modifications, which I would pay into only to have Bayview deny the modification in the end. The money paid into those trials is not reflected accurately in Bayview 's paperwork, nor is it reflected appropriately on my credit report. The money I have paid has seemingly 'disappeared '. In XXXX Bayviews modification amounted to the following : $ XXXXmonth for 3 months ( paid ) {$530.00} x XXXX years = {$120000.00} Balloon pmt ( yr. 20 ) = {$75000.00} Total {$190000.00} I attempting to rectify the fact Bayview refused to remove my ex-husbands name from the papervwork by filing a Quit Claim on the Deed, and still could not get an answer from Bayview pertaining to where the money already paid in during bankruptcy ( XXXX $ ) had gone as it was seemingly unaccounted for. In XX/XX/XXXX, I applied for the HAMP modification and was approved while I was collecting unemployment of XXXX $ per week. In XX/XX/XXXX I was advised by XXXX XXXX Asset Specialist to continue making the payments of {$530.00} to which I did until their system would not accept them in XX/XX/XXXX. I reapplied in XX/XX/XXXX for a HAMP modification and was denied due to having 'no income ' and being on unemployment, getting {$360.00} a week. Which makes little sense considering 1 year earlier I was approved for the HAMP modifications while on unemployment collecting less money in XXXX than I was in XXXX. Again I contacted Bayview and began the process once again submitting all of the required paperwork. In XX/XX/XXXX I received foreclosure paperwork and again began the process. XXXX Modifications is as follows : $ XXXX/ month for 3 months ( paid ) {$420.00} x 18 years = {$90000.00} Balloon pmt. ( yr. XXXX ) = {$45000.00} Total = {$130000.00} I do not understand the huge difference in the amounts they are requesting. Also, once an attorney got involved, again I was shut down by Bayview and received no correspondence from XXXX XXXX until it was too late. On XX/XX/XXXX I was given notice of the Sherrif 's Sale dated for XX/XX/XXXX. I contacted an attorney to assist me with the last attempt at modification. When I received the Stipulation Agreement dated XX/XX/XXXX I agreed with it, signed it and made the first payment the day that I received the letter, XX/XX/XXXX. The next day I received the exact same paperwork but with a Balloon payment addendum written in it dated for XX/XX/XXXX. When I contacted my attorney he advised me not to sign the second set of papers but keep making the payments to which I did through XXXX. XXXX and XX/XX/XXXX were late. XX/XX/XXXX when I made the payment to Bayview it was returned and that was how I found out my house was actually sold in foreclosure. Contrary to what some may believe, I am not looking to be relieved of my debt. I have been attempting to resolve this issue for 4 years now and have been stonewalled by Bayview and their employees. In doing research on the internet I have found that I am far from alone as Bayview has had hundreds of complaints filed against them, court cases filed and several class action lawsuits pertaining to wrongful foreclosure in which judgment was ruled against Bayview. Bayview had 2 appraisals done in XXXX, both of which came back at {$60000.00} and in order to retain my home they want {$93000.00}. If the paperwork actually reflected the amount as per the Trustee I would have been more than able to and willing to make the payments and prevent this all from happening. All I want is to have a fair mortgage agreement that I am capable of making payments into without a lender that gives me the run around and uses predatory tactics to try and steal my property. I have always been a productive citizen that has worked hard for what they have ; I accept responsibility the debts I owe and I only want to be treated fairly under the scope of the law. I am a XXXX XXXX XXXX for the XXXX XXXX XXXX and I work for the XXXX XXXX XXXX as a XXXX in a XXXX XXXX and I have a long-standing history of working for the XXXX XXXX XXXX in several different states. I have always been a law-abiding citizen and despite life 's struggles, I have done what I can to maintain my skills and my reputation. The ordeal I have faced in dealing with Bayview Loan Servicing , LLC has not only ruined my credit, caused undue stress and documented physical illness, Bayview have also tarnished my reputation all while they took my family 's ancestral home. While it may not matter in the eyes of the law this property is more than mere land to me. My family has a rich history in this area ; this property has been consistently owned by my family since XXXX and was sold to my family through the Homesteading Act established in XXXX. Four generations of my family live on this land to this day ; including my daughter, her two sons on our parcel, my two cousins, and my uncle and his wife. This property is also certified XXXX XXXX and has been maintained as such since its registration. My great-great grandfather guided and hunted this area with XXXX XXXX of the XXXX XXXX. My great-grandfather was the first XXXX child born into an area that, at the time, flourished with XXXX XXXX. My grandfather who served in XXXX was born here. My father was born here in the very house that I live in now. The named for my family who settled this area. This is my home my heritage and I hoped it would be for not only my daughter but my grandsons but if nothing is done that will be only a dream. Due to everything that has happened over the past 8 years since my divorce, I am now unable to secure financing to buy back my home ( or so I have been told ). I feel that Bayview has taken advantage of me as I am a single woman attempting to secure her home and they bullied me into paying amounts that are completely out of range for this property, only to threaten with Foreclosure if I did not pay, yet they refused to validate the amounts on the debt. I requested time and again, only to be ignored. I only ask that you please help me get this resolved so that somehow I can make payments on my home and retain my home. This property that has been in my family for 150 years and needs to continue to stay in my family.
05/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95691
 Web
Please make this a rush as I have a sale scheduled for my property on XX/XX/XXXX and Im under a loan modification review. I have sent Bayview Loan Servicing all required documentation for a review and they notified me they have everything and the loan modification is in review. Im still waiting for them to remove the sale or postpone it due to having a complete loan modification packet and it being in review in this time. If they do not they will absolutely be in violation of the California Homeowners will of Rights Act My name is XXXX XXXX. I have some very bad issues going on right now with my servicer BAYVIEW LOAN SERVICING and about my previous banks. I'm having a very hard time dealing and working with my servicer BAYVIEW LOAN SERVICING. I have mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for XX/XX/XXXX If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS ACT and other laws as well. As part of this bailout, on XX/XX/XXXX, the United States Government took over XXXX XXXX and pumped billions, which in XX/XX/XXXX, then Treasury Secretary XXXX XXXX said as much as {$200.00} billion would be pumped into XXXX XXXX and XXXX XXXX, each, which was separate from the {$700.00} in TARP funds given out to other lenders. 1. The guidelines issued by the United States Treasury set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the HAMP program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under HAMP ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible. HAMP and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure HAMP objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies. All servicers have systematically failed to comply with the terms of the HAMP directives and has regularly and repeatedly violated several of its prohibitions. Now that HAMP is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives. Under HAMP, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each HAMP modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such Bayview Loan Servicing , LLC to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Bayview Loan Servicing , LLC and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the 1st Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications ; They failed to properly consider loan modification applications before trying to sell my home. 1. On information and belief, Bayview Loan Servicing , LLC does not own a significant majority of the loans on which it functions as servicer. 2. Economic Factors that discourage Bayview Loan Servicing , LLC from meeting its obligations under HAMP by facilitating loan modifications include the following : a. Bayview Loan Servicing , LLC may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default. b. The monthly service fee that Bayview Loan Servicing , LLC, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer. c. Fees that Bayview Loan Servicing , LLC charges borrowers that are in default constitute a significant source of revenue to it. Aside from income Bayview Loan Servicing , LLC directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee. d. Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous. e. Fixed overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs. 3. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, Bayview Loan Servicing , LLC has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted billions of dollars from the United States. Bayview Loan Servicing , LLC delay and obstruction tactics have taken various forms with the common result that my loan serviced by Bayview Loan Servicing , LLC, in which im eligible for permanent loan modifications, and have met the requirements for participation in HAMP, have not received permanent loan modifications to which iam entitled. 4. By failing to comply with the California Homeowner Bill of Rights ; specifically, by engaging in the unlawful practice of Dual Tracking, Bayview Loan Servicing , LLC has left me in a state of despair and panic as I seek a loan modification from Bayview Loan Servicing , LLC only to have my home wrongfully, oppressively and illegally sold out from under my feet. I have sent them all documents but they still have not offered me anything. I have sent them documents again. They said they have all required documentation on file and am in review but still posted the home for sale. I do not know how much more times they will continue to do this. The stress this causes me and my family is very hard on my body. I want to keep my home and pay a reasonable amount. I have a sale coming up on XX/XX/XXXX.
06/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95691
 Web
Please make this a rush as I have a sale scheduled for my property on XX/XX/XXXX and Im under a loan modification review. Hi, my name is XXXX XXXX. I keep sending over a full Request for Mortgage Assistance request and time after time I have sent a request and they still keep posting my property up for sale and to this day have not offered a loan modification. Im always in review. I again recently sent over all documents and Bayview Loan Servicing said that Im in review. I have some very bad issues going on right now with my servicer BAYVIEW LOAN SERVICING and about my previous banks. I'm having a very hard time dealing and working with my servicer BAYVIEW LOAN SERVICING. I have mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for XX/XX/XXXX If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS and other laws as well. As part of this bailout, on XX/XX/XXXX, the United States Government took over XXXX XXXX and pumped billions, which in XX/XX/XXXX, then Treasury Secretary XXXX XXXX said as much as {$200.00} XXXX would be pumped into XXXX XXXX and XXXX XXXX, each, which was separate from the {$700.00} in TARP funds given out to other lenders. 1. The guidelines issued by the United States Treasury set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the HAMP program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under HAMP ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible. HAMP and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure HAMP objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies. All servicers have systematically failed to comply with the terms of the HAMP directives and has regularly and repeatedly violated several of its prohibitions. Now that HAMP is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives. Under HAMP, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each HAMP modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such Bayview Loan Servicing , LLC to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Bayview Loan Servicing , LLC and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the 1st Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications ; They failed to properly consider loan modification applications before trying to sell my home. 1. On information and belief, Bayview Loan Servicing , LLC does not own a significant majority of the loans on which it functions as servicer. 2. Economic Factors that discourage Bayview Loan Servicing , LLC from meeting its obligations under HAMP by facilitating loan modifications include the following : a. Bayview Loan Servicing , LLC may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default. b. The monthly service fee that Bayview Loan Servicing , LLC, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer. c. Fees that Bayview Loan Servicing , LLC charges borrowers that are in default constitute a significant source of revenue to it. Aside from income Bayview Loan Servicing , LLC directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee. d. Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous. e. Fixed overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs. 3. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, Bayview Loan Servicing , LLC has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted billions of dollars from the United States. Bayview Loan Servicing , LLC delay and obstruction tactics have taken various forms with the common result that my loan serviced by Bayview Loan Servicing , LLC, in which im eligible for permanent loan modifications, and have met the requirements for participation in HAMP, have not received permanent loan modifications to which iam entitled. 4. By failing to comply with the California Homeowner Bill of Rights ; specifically, by engaging in the unlawful practice of Dual Tracking, Bayview Loan Servicing , LLC has left me in a state of despair and panic as I seek a loan modification from Bayview Loan Servicing , LLC only to have my home wrongfully, oppressively and illegally sold out from under my feet. I have sent them all documents but they still have not offered me anything. I have sent them documents again. They said they have all required documentation on file and am in review but still posted the home for sale. I do not know how much more times they will continue to do this. The stress this causes me and my family is very hard on my body. I want to keep my home and pay a reasonable amount. I have a sale coming up on XX/XX/XXXX.
01/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95691
 Web
Please make this a rush as I have a sale scheduled for my property on XX/XX/XXXX and Im under a loan modification review. Hi, my name is XXXX XXXX. I have some very bad issues going on right now with my servicer BAYVIEW LOAN SERVICING and about my previous banks. I'm having a very hard time dealing and working with my servicer BAYVIEW LOAN SERVICING. I have mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for XX/XX/XXXX If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS and other laws as well. As part of this bailout, on XX/XX/XXXX, the United States Government took over XXXX XXXX and pumped billions, which in XX/XX/XXXX, then Treasury Secretary XXXX XXXX said as much as {$200.00} XXXX would be pumped into XXXX XXXX and XXXX XXXX, each, which was separate from the {$700.00} in TARP funds given out to other lenders. 1. The guidelines issued by the United States Treasury set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the HAMP program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under HAMP ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible. HAMP and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure HAMP objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies. All servicers have systematically failed to comply with the terms of the HAMP directives and has regularly and repeatedly violated several of its prohibitions. Now that HAMP is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives. Under HAMP, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each HAMP modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such Bayview Loan Servicing , LLC to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Bayview Loan Servicing , LLC and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the 1st Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications ; They failed to properly consider loan modification applications before trying to sell my home. 1. On information and belief, Bayview Loan Servicing , LLC does not own a significant majority of the loans on which it functions as servicer. 2. Economic Factors that discourage Bayview Loan Servicing , LLC from meeting its obligations under HAMP by facilitating loan modifications include the following : a. Bayview Loan Servicing , LLC may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default. b. The monthly service fee that Bayview Loan Servicing , LLC, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer. c. Fees that Bayview Loan Servicing , LLC charges borrowers that are in default constitute a significant source of revenue to it. Aside from income Bayview Loan Servicing , LLC directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee. d. Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous. e. Fixed overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs. 3. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, Bayview Loan Servicing , LLC has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted billions of dollars from the United States. Bayview Loan Servicing , LLC delay and obstruction tactics have taken various forms with the common result that my loan serviced by Bayview Loan Servicing , LLC, in which im eligible for permanent loan modifications, and have met the requirements for participation in HAMP, have not received permanent loan modifications to which iam entitled. 4. By failing to comply with the California Homeowner Bill of Rights ; specifically, by engaging in the unlawful practice of Dual Tracking, Bayview Loan Servicing , LLC has left me in a state of despair and panic as I seek a loan modification from Bayview Loan Servicing , LLC only to have my home wrongfully, oppressively and illegally sold out from under my feet. I have sent them all documents but they still have not offered me anything. I have sent them documents again. They said they have all required documentation on file and am in review but still posted the home for sale. I do not know how much more times they will continue to do this. The stress this causes me and my family is very hard on my body. I want to keep my home and pay a reasonable amount. I have a sale coming up on XX/XX/XXXX.
11/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95691
 Web
Please make this a rush as I have a sale scheduled for my property on XX/XX/XXXX and Im under a loan modification review. Hi, my name is XXXX XXXX. I have some very bad issues going on right now with my servicer BAYVIEW LOAN SERVICING and about my previous banks. I'm having a very hard time dealing and working with my servicer BAYVIEW LOAN SERVICING. I have mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for XX/XX/XXXX. If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS and other laws as well. As part of this bailout, on XX/XX/XXXX, the United States Government took over XXXX XXXX and pumped billions, which in XX/XX/XXXX, then Treasury Secretary XXXX XXXX said as much as {$200.00} XXXX would be pumped into XXXX XXXX and XXXX XXXX, each, which was separate from the {$700.00} in TARP funds given out to other lenders. 1. The guidelines issued by the United States Treasury set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the HAMP program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under HAMP ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible. HAMP and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure HAMP objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies. All servicers have systematically failed to comply with the terms of the HAMP directives and has regularly and repeatedly violated several of its prohibitions. Now that HAMP is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives. Under HAMP, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each HAMP modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such Bayview Loan Servicing , LLC to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Bayview Loan Servicing , LLC and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the 1st Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications ; They failed to properly consider loan modification applications before trying to sell my home. 1. On information and belief, Bayview Loan Servicing , LLC does not own a significant majority of the loans on which it functions as servicer. 2. Economic Factors that discourage Bayview Loan Servicing , LLC from meeting its obligations under HAMP by facilitating loan modifications include the following : a. Bayview Loan Servicing , LLC may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default. b. The monthly service fee that Bayview Loan Servicing , LLC, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer. c. Fees that Bayview Loan Servicing , LLC charges borrowers that are in default constitute a significant source of revenue to it. Aside from income Bayview Loan Servicing , LLC directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee. d. Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous. e. Fixed overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs. 3. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, Bayview Loan Servicing , LLC has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted billions of dollars from the United States. Bayview Loan Servicing , LLC delay and obstruction tactics have taken various forms with the common result that my loan serviced by Bayview Loan Servicing , LLC, in which im eligible for permanent loan modifications, and have met the requirements for participation in HAMP, have not received permanent loan modifications to which iam entitled. 4. By failing to comply with the California Homeowner Bill of Rights ; specifically, by engaging in the unlawful practice of Dual Tracking, Bayview Loan Servicing , LLC has left me in a state of despair and panic as I seek a loan modification from Bayview Loan Servicing , LLC only to have my home wrongfully, oppressively and illegally sold out from under my feet. I have sent them all documents but they still have not offered me anything. I have sent them documents again. They said they have all required documentation on file and am in review but still posted the home for sale I want to keep my home and pay a reasonable amount. I have a sale coming up on XX/XX/XXXX.
10/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95691
 Web
Please make this a rush as I have a sale scheduled for my property on Tuesday XX/XX/XXXX and Im under a loan modification review. Hi, my name is XXXX XXXX. I have some very bad issues going on right now with my servicer BAYVIEW LOAN SERVICING and about my previous banks. I'm having a very hard time dealing and working with my servicer BAYVIEW LOAN SERVICING. I have mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for XX/XX/XXXX. If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS and other laws as well. As part of this bailout, on XX/XX/XXXX, the United States Government took over XXXX XXXX and pumped billions, which in XX/XX/XXXX, then XXXX XXXX XXXX XXXX said as much as {$200.00} XXXX would be pumped into XXXX XXXX and XXXX XXXX, each, which was separate from the {$700.00} in TARP funds given out to other lenders. 1. The guidelines issued by the United States Treasury set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the HAMP program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under HAMP ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible. HAMP and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure HAMP objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies. All servicers have systematically failed to comply with the terms of the HAMP directives and has regularly and repeatedly violated several of its prohibitions. Now that HAMP is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives. Under HAMP, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each HAMP modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such as XXXX XXXX , XXXX to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. XXXX XXXX and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the 1st Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications ; They failed to properly consider loan modification applications before trying to sell my home. 1. On information and belief, XXXX XXXX , XXXX does not own a significant majority of the loans on which it functions as servicer. 2. Economic Factors that discourage XXXX XXXX , XXXX from meeting its obligations under HAMP by facilitating loan modifications include the following : a. XXXX XXXX , XXXX may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default. b. The monthly service fee that XXXX XXXX , XXXX, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer. c. Fees that XXXX XXXX , XXXX charges borrowers that are in default constitute a significant source of revenue to it. Aside from income XXXX XXXX , XXXX directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee. d. Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous. e. Fixed overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs. XXXX. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, XXXX XXXX , XXXX has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted billions of dollars from the United States. XXXX XXXX , XXXX delay and obstruction tactics have taken various forms with the common result that my loan serviced by XXXX XXXX , XXXX, in which im eligible for permanent loan modifications, and have met the requirements for participation in HAMP, have not received permanent loan modifications to which iam entitled. 4. By failing to comply with the California Homeowner Bill of Rights ; specifically, by engaging in the unlawful practice of Dual Tracking, XXXX XXXX , XXXX has left me in a state of despair and panic as I seek a loan modification from XXXX XXXX , XXXX, only to have my home wrongfully, oppressively and illegally sold out from under my feet. I have sent them all documents but they still have not offered me anything. I have sent them documents again. I want to keep my home and pay a reasonable amount. I have a sale coming up on XX/XX/XXXX.
12/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60068
 Web Older American
Community Loan Servicing, LLC ( FKA : Bayview Loan Servicing , LLC ) Attention : XXXX department/Customer Support XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX : Loan No. : XXXX ( XXXX XXXX XXXX XXXX ) Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX This complaint is being made through the Consumer Financial Protection Bureau ( cfpb ) as a follow up to our original cfpb complaint filed on XX/XX/XXXX, which was directed to our previous mortgage lender, XXXX XXXX XXXX XXXXs. Our mortgage was sold by XXXX XXXXXXXX to our current mortgage company/lender, XXXX and their servicer, XXXX XXXX XXXX, XXXX, formerly known as Bayview Loan Servicing , LLC. XXXX XXXX responded to our complaint regarding the Home Affordable Modification Program ( HAMP ) Principal Reduction Amount on XX/XX/XXXX informing us that they only have limited documentation of our previous loan account that has been purged from their systems due to the time that has passed ( see attached cfpb PDF ). They indicated that the servicing of our loan was transferred to Community Loan, along with the entire loan file in XXXX, XXXX. XXXX XXXX also forwarded separately their response letter of XX/XX/XXXX including some attached documentation at the time our HAMP account was initiated. In their letter, they suggested we redirect our HAMP inquiry to the current servicer, Community Loan ( see attached PDF letter/documents ). Community Loan is aware of our HAMP complaint as we had previously been directed by XXXX XXXXXXXX on XX/XX/XXXX to seek answers from Community Loan. We then notified Community Loan on XX/XX/XXXX by letter including the previous correspondence from XXXX XXXX. Under their previous name, Bayview responded by letter dated XX/XX/XXXX stating they were unable to locate in the records forwarded from XXXX XXXX that HAMP letter you purportedly received. The XXXX response letter adds that if you are able to provide additional documentation XXXX can investigate the matter further. We had asked them to not only locate a copy of the original letter, but to check other areas within our HAMP file that would refer to the principal reduction alternative, such as payments made to XXXX XXXX and/or Community Loan under the PRA during the years XXXX, XXXX, and XXXX. We received no answers regarding possible Investor Payments that the federal government, under the HAMP PRA, would have provided XXXX XXXX and/or Community Loan. Both XXXX XXXX and Community Loan have been asked on numerous occasions to locate a copy of the HAMP PRA letter dated XX/XX/XXXX along with any documentation related to the PRA and principal reduction amount of {$100000.00}. We have asked both companies to review our complete HAMP file to locate any additional information/documentation to verify our claim that a Principal Reduction Amount should have been effected on the HAMP portion of our account. We believe that the PRA amount of {$100000.00} should have been reduced to zero by one third each year during the years of XXXX, XXXX and XXXX. These two companies would have received additional compensation from the federal government under the PRA of the Home Affordable Modification Program. We have previously asked both companies to locate the federal government payments ledger showing they would have received additional separate payments under the HAMP PRA in the above three consecutive years. Both loan companies did not address this HAMP PRA question. Also, we think there should be more information and documentation in our HAMP file based on the IRS Publication titled, Principal Reduction Alternative Under the Home Affordable Modification Program. After receiving the XXXX XXXX PRA letter of XX/XX/XXXX, we reviewed information on the IRS website on XX/XX/XXXX and printed a copy of the IRS PRA Publication. Attached is a PDF copy of the IRS Publication of PRA Under the HAMP dated XX/XX/XXXX. A PRA portion of this publication reads as follows : ( For mortgage loans that are owned or guaranteed by XXXX XXXX or XXXX XXXX, eligible homeowners may be offered modifications under related programs also called HAMP. Because these related programs do not contain the principal reduction provision that these FAQs address, these FAQs use the term HAMP to refer only to the program for mortgage loans that are not owned or guaranteed by XXXX XXXX or XXXX XXXX. XXXX Since the last quarter of XXXX, if a mortgage loan is being considered for a HAMP modification and if the ratio of the amount owed to the value of the home is greater than XXXX percent, then the servicer must consider whether a Principal Reduction Alternative ( PRA ) principal reduction should be effected as one part of the HAMP modification. See the Principal Reduction Alternative ( PRA ) page on the MakingHomeAffordable.gov website. For HAMP modifications that include a PRA principal reduction, the unpaid principal balance of the modified loan is divided into an interest-bearing principal amount and a non-interest-bearing PRA Forbearance Amount. If the homeowner then achieves a payment history that is sufficiently timely over a three-year period, the entire XXXX XXXX XXXX is eventually reduced to zero. In connection with every HAMP modification of a loan that is not owned or guaranteed by XXXX XXXX or XXXX XXXX, to encourage participation in HAMP, the government provides incentives to the investor ( that is, the holder of the loan ), to the homeowner, and to the servicer. If a HAMP modification of such a mortgage loan includes a PRA principal reduction, the government makes additional incentive payments over three years to the investor. ( These additional incentives are called PRA investor incentive payments. ) The size of the PRA investor incentive payments depends not only on the amount of principal reduced but also on the loan-to-value ratio and the loans payment history before the HAMP modification. The PRA investor incentive payments range from 6 % to 21 % of the principal amount reduced. We were approved for the HAMP modification in XXXX, XXXX and the Principle Reduction Alternative program of HAMP was enacted around XXXX, XXXX, which is 10 months after our loan modification began. It appears that we would have qualified for the PRA based on the criteria required under the HAMP approval process that occurred in XXXX, XXXX. The IRS PRA Publication appears to indicate there should be some documentation regarding an evaluation performed by Citizens One of the Principal Reduction Amount under HAMP. As stated in the IRS PRA Publication, the servicer must consider whether a Principal Reduction Alternative ( PRA ) should be effected as one part of the HAMP modification. There was another part of the HAMP program concerning Pay-for-Performance, in which received received the timely credits towards our principle in the first 5 years of the HAMP. We believe that not only should there be a copy of the XX/XX/XXXX XXXX letter from XXXX XXXX in our loan file, there should also be documentation regarding the federal government required evaluation of the PRA. Also, there should be some type of payment ledger indicating that XXXX XXXX and/or Community Loan received Investor payments under the PRA during the years XXXX, XXXX and XXXX. We are very concerned with these two loan companies and their lack of cooperation in providing us with proper answers and information in this HAMP matter. We are requesting that the CPFB review Community Loan 's documentation of our complete HAMP/PRA file in this matter to inform us what mistakes have been made by XXXX XXXX and/or Community Loan. We would also ask that CPFB review whatever documentation concerning our HAMP file under the Principal Reduction Amount information that may be located in the U.S. Treasury Department records. Thank you for your attention and cooperation in this matter. Copies of Attachments : XXXX XXXXXXXX Response under cpfb Complaint # XXXX of XXXX HAMP Inquiry Letter to Bayview dated XXXX Response Letter from Bayview dated XXXX IRS Publication PRA Under the HAMP Program date XXXX
09/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • XXXXX
 Web
THIS IS THE RESPONSE TO CFPB COMPLAINT XXXX THAT WAS PREMATURELY CLOSED. THIS LETTER WAS SENT TO CFPB ( ALONG WITH ATTACHMENTS TO SUBMIT EACH CLAIM ) AND OTHER AGENCIES ON XXXX XX/XX/XXXX : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX REF : Submission number : XXXX Greetings, 1. Per Bayviews Customer Account Activity Statement that they provided in response to the above claim, they are showing TWO late charges for XX/XX/XXXX, one for XX/XX/XXXX, one for XX/XX/XXXX, and one for XX/XX/XXXX. I HAVE NEVER BEEN LATE! Alleged fraudulent, deceptive and racketeering activity a. However, the attached canceled checks are showing that I have sent the following payments ( MANY VIA CERTIFIED MAIL SINCE BAYVIEW FAILED TO SEND ME MONTHLY STATEMENTS ) ( See attachment # 1 ) as shown below each and every month : PAYMENT FOR MONTH CHECK MAILED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FOR XXXX ) XXXX XXXX XXXX XXXX XXXX 2. Bayview stopped sending me monthly statements in XX/XX/XXXX. This is a clear violation of 12 CFR 1026.41 - Periodic statements for residential mortgage loans. I notified Bayview and the Court ( Case 3:18-cv-00435 ) of this violation twice and the documents were received and filed in The United States District Court for the XXXX District of Virginia on XXXX XX/XX/XXXX ( See Attachment # 2, Paragraph # 2 ) and XXXX XX/XX/XXXX ( See Attachment # 3, Paragraph # 2 ). a. Bayview Loan Servicing FAILED to send me monthly statements and instead chose to send them to an address in XXXX XXXX, Virginia. This was done from XX/XX/XXXX through XX/XX/XXXX. In addition, Bayview is showing various amounts as the Total Amount Due for each month, ( See Attachment # 4 ) Alleged fraudulent, deceptive and racketeering activity MONTH BAYVIEW TOTAL AMOUNT DUE SENT XX/XX/XXXX FOR XX/XX/XXXX {$28000.00} SENT XX/XX/XXXX FOR XX/XX/XXXX {$28000.00} SENT XX/XX/XXXX FOR XX/XX/XXXX {$8400.00} SENT XXXX XXXX FOR XX/XX/XXXX {$14000.00} SENT XX/XX/XXXX FOR XX/XX/XXXX {$11000.00} SENT XX/XX/XXXX FOR XX/XX/XXXX {$12000.00} SENT XX/XX/XXXX FOR XX/XX/XXXX {$12000.00} SENT XX/XX/XXXX FOR XX/XX/XXXX {$6000.00} SENT XX/XX/XXXX FOR XX/XX/XXXX {$11000.00} a. This is clearly in violation of the Fair Debt Collection Practice Act. Bayview sent TWO statements out for XX/XX/XXXX with different Total Amount Due amounts and two statements out for XX/XX/XXXX with different Total Amount Due amounts. Alleged fraudulent, deceptive and racketeering activity 3. Bayview Loan Servicing stated in their response ( dated XXXX XX/XX/XXXX ) that as the date of this correspondence, Ms. XXXX mortgage loan is due for the XX/XX/XXXX installment. HOWEVER, my cancelled checks in attachment # 1 shows that my XXXX payment was mailed on XXXX XX/XX/XXXX and Bayview ( XXXX XXXXXXXX XXXX ) processed it on XXXX XX/XX/XXXX, THREE days prior to their correspondence! How did they not verify the information prior to adding it to their response? Bayview also showed the Total Amount Due as {$11000.00}! b. Bayview Loan Servicing stated in their response ( dated XXXX XX/XX/XXXX ) stated that Bayview added a litigation fee in the amount of {$9100.00} to Ms. XXXX monthly mortgage statement. However, pursuant to the Courts Order of XX/XX/XXXX, Bayview removed the litigation fee from her mortgage statement. However, inflated unknown fee is still showing on my statements! Alleged fraudulent, deceptive and racketeering activity c. Bayview Loan Servicing , XXXX XXXX XXXX, Mortgage Electronic Registration Systems and XXXX XXXX XXXX ALL have failed to send me my Mortgage Transfer Disclosure as mandated by 12 CFR 1026.39 - Mortgage transfer disclosures ( ( b ) Disclosure required. Except as provided in paragraph ( c ) of this section, each covered person is subject to the requirements of this section and shall mail or deliver the disclosures required by this section to the consumer on or before the 30th calendar day following the date of transfer. ). I have NEVER received a Mortgage Transfer Disclosure. Alleged fraudulent, deceptive and racketeering activity d. In XXXX, XXXX XXXX XXXX ( the alleged original lender ) provided sworn testimony to the Court ( XXXX County, Virginia ( XXXX ) ) stating that the loan mortgage loan was sold and transferred to XXXX XXXX XXXX XXXX. on or about XX/XX/XXXX ( Attachment # 5 ). XXXX XXXX XXXX filed court documents ( United States District Court XXXX District of Virginia ( Case XXXX Document 10 Filed XX/XX/XXXX Page 3 of 16 PageID # 87 ) also states XXXX sold and transferred the first loan to XXXX XXXX XXXX on or about XX/XX/XXXX. ( Attachment # 6 ) However, once Conference Calls were held with the Court, XXXX XXXX XXXX suddenly changed their material facts and sworn testimony and stated that the First loan was sold to XXXX. ( Attachment # 7 ) Alleged fraudulent, deceptive and racketeering activity e. Bayview Loan Servicing and XXXX XXXX XXXX provided documents WITHOUT any type of endorsement. Then, poofjust like that, they provided documents with an alleged XXXX endorsement and known alleged robosigners. ALTHOUGH XXXX never had anything to do with my mortgage/note. ( Grouped as Attachment # 8 ) Alleged fraudulent, deceptive and racketeering activity f. At a minimum, the alleged changing of sworn testimony and documentation is in violation of Federal ( 18 U.S. Code 1621. Perjury generally ) and State ( Code of Virginia : 18.2-434, 18 U.S.C. 1001 AND Virginia Code 18.2-435. Alleged fraudulent, deceptive and racketeering activity 4. The Deed of Trust states " and the Beneficiary, Mortgage Electronic Registration Systems , Inc. ( MERS ) ( solely as nominee for Lender, as hereinafter defined, and Lenders successors and assigns ). a. I was never informed of the MERS and XXXX Patent/Security Agreement ( In XXXX, XXXX acquired XXXX, and modified that better-known name to become XXXX XXXX XXXXXXXX ). g. This major omission was allegedly in violation of 15 U.S. Code 1125 - False designations of origin, false descriptions, and dilution forbidden. This omission is also allegedly prima evidence of the fraudulent conspiracy orchestrated within the banking system. Alleged fraudulent, deceptive and racketeering activity 5. I am also a victim of the Libor manipulation. Alleged fraudulent, deceptive and racketeering activity 6. This entire mortgage was based on alleged fraud since inception and throughout the entire process and Fraud vitiates all contracts! 7. This alleged massive fraud is so blatant and evil and must be stopped immediately! It is evident and documentation has shown that the mortgage/note contain many alleged legal violations, alleged contract breaches, alleged mortgage fraud, alleged broken chain of title as well as many other problematic issues. I have been fighting this battle for almost TEN Years and have reported this alleged continued misrepresentation and active concealment. 8. Due to the massive discrepancies and alleged fraud upon the Court, I am alleging that XXXX ( and/or Bayview Loan Servicing ) is not the holder in due course nor ever took possession of the note and thus has no claim or rights concerning the note. Therefore, Bayview Loan Servicing does not have any interest to the note! 9. Constructive fraud ( Blacks law dictionary ) - " all acts, omissions, and concealments involving breach of equitable or legal duty, trust or confidence, and resulting in damage to another, 38 Cal Rptr. 148, 157 ; i.e. no scienter ( intent to defraud ) is required. Thus the party who makes the misrepresentation need not know that it is false. '' I am respectfully requesting that you take the appropriate action to provide me my due justice in this matter as well as implement my lawful Federal and State Crime Victims Rights. Very Respectfully,
06/13/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94582
 Web
Dear CFPB, Thank you for doing this! The background of my complaint is as follow : I purchased the property in XX/XX/XXXX . I had to assume the loan from the previous owner, in order to purchase the property, because it was the terms of the loan the previous owner took on. It has a 7-year blackout period, during which we could n't refinance or pre-pay, despite orbital interest rate of 8.75 %. When the " blackout period '' was over in XXXX , I asked Bayview to refinance the loan, and their response was " You are in CA, we are in FL. You are out of our servicing territory. '' and " Since the previous owner is still on the loan, you have to find him in order to refinance this loan ''. Of course, I could n't find the previous owner. He was on the loan purely based on the requirements of Bayview Loan, and not my wish or needs. Due to the high interest rate, and our inability to refinance, we ran into financial troubles with the property, which led to its foreclosure, despite the fact that we have a lot of equity in the property ( market value was $ XXXX , loan amount was $ XXXX ).

During the foreclosure process, I received the payoff demands from the lender, and noticed that an escrow advance amount of {$15000.00} was wrongfully charged to me. I contacted the company, and the item was taken off, and my account was re-credited, but that amount was never reflected in the payoff letter, and therefore, they still owed me that amount, after the surplus payment from the sale.

I am attaching my letter to Bayview with all supporting documents below. Through it, you can see all events in chronological order. I hope you can help me to keep them honest and straight-forward in their review of my complaint. If I can provide any additional information, please let me know.

Thank you and regards, XXXX XXXX XXXX ( mobile ) XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear Bayview Loan Servicing , LLC ( c/o XXXX XXXX , Customer Support Department ) I received your letter, dated XX/XX/XXXX ( s ee Exhibit # 1 ), stating that you have reviewed my file, and that no money is owed to me at this time. I found it very disappointing that, despite the fact that I have initially contacted you ( Bayview Loan a nd XXXX XXXX XXXX XXXX ) about this discrepancy back in XX/XX/XXXX , and despite many phone calls and correspondences ( mostly from me to you ) to provide you with background and documentation, you still ended up with a very narrowly-scoped review, and a very convenient response, in your favor, that you dont owe me any money.

Therefore, I will present the following events in chronological order, and with supporting documentations ( i.e. Exhibits ) so that it can help you do a more complete review and come to the right conclusion in paying me back the amount you owe.

1. On XX/XX/XXXX I received a letter from your Attorne y Office ( see Exhibit # 2 ), in forming me of the payoff demands for the property, which was scheduled to be sold at a foreclosure auction on XX/XX/XXXX . In this letter, a list of charges was presented. I noticed that an escrow amount of {$23000.00} was included, which was much more than I would expect.

2. After multiple attempts to sell the property on our own before the auction date, and failed. The property was sold at foreclosure auction on XX/XX/XXXX , as scheduled. The reasons leading to this foreclosure is partly due to your unreasonableness and un-cooperative actions, which I can elaborate, if needed.

3. On XX/XX/XXXX I went into my XXXX XXXX XXXX XXXX website and looked into my account, and found that the escrow balance was {$23.00}, XXXX , which is consisted of : {$3100.00} ( previous escrow balance ) + {$4300.00 } ( county ta x ) + {$15000.00} ( haz . insurance imposed by lender ). See Exhibit # 3 and Exhibit # 4.

4. I immediately contacted XXXX XXXX XXXX XXXX ( acting as loan servicer f or Bayview ), reg arding this wrongful charge of {$15000.00}, for hazard insurance, which I already have coverage. See Exhibi t # 5.

5. On the same day ( XX/XX/XXXX ), I called my insurance agent, and they promptly sent XXXX XXXX XXXX XXXX t he Certificate of Liability Insurance, w ith effective date of XX/XX/XXXX - XX/XX/XXXX . Please note that XX/XX/XXXX was the last day of my ownership, because the property was sold on that day. See Exhibit # 6.

6. With this proof of insurance, XXXX XXXX XXXX XXXX insurance department promptly re-credited my escrow account the amount of {$15000.00}. XXXX XXXX XXXX XXXX even sent me a Confirmation of Insurance Cancellation . Please note that the reason for the cancellation is : Evidence of other insurance coverage has been provided. See Exhibit # 7.

7. To confirm the wrongful charge was taken off my escrow account, I went into my account on XX/XX/XXXX , and confirmed that that hazard insurance amount is now {$0.00}. See Exhibit 8 and Exhibit 9 . At this point, I was satisfied that my complaint of the wrongful amount was addressed, and was confident that this updated information would be forwarded by XXXX XXXX XXXX XXXX /Bayview to your Attorn ey Office ( XXXX XXXX XXXX ) and your Trustees Office ( XXXX XXXX ), whom you have hired to handle the foreclosure sale, to be reflected into a new payoff calculation.

8. Fast forward a few months, when the Trustee ( XXXX XXXX ) was finally ready to disburse the surplus of the sale to me, I received an email from XXXX XXXX of XXXX XXXX that the escrow advance amount was still {$23000.00} ( no change! ). See Exhibit # 10. I was very surprised and disappointed that despite all the work I have done several month ago, a new payoff demand was never worked up b y Bayview Loan, and given to your Trustee ( XXXX XXXX ) . XXXX XXXX said for me to work directly with the lender for the discrepancy. They was only doing what was told to them by the lender.

9. On XX/XX/XXXX I received the check of {$77000.00} for the excess sale proceeds. This is 75 % of the total surplus, as my ownership is only 75 % of the property. A check stub also showed the same amount. See Exhibi t # 11.

10. I then immediately contacted XXXX XXXX XXXX XXXX and Bayview Loan, after many fingerprinting back and forth between XXXX XXXX XXXX XXXX and Bayview Lo an , and many months passed, it was finally determined between thes e two entities that Bayview is responsible for resolving this matter with me. I received a letter from XXXX XXXX XXXX XXXX , stating this conclusion, and that my point of contact at Bayview Loan is XXXX XXXX at XXXX . Over a course of more than a month, I have tried repeatedly to call and left many messages for Ms XXXX XXXX XXXX to call my back, but heard absolutely no response or reply. Without any other mean to reac h Bayview Loan, I wen t on your website and sent you an email on XX/XX/XXXX See the email below.

11. I received a letter from Bayview Loan, stat ing that you would do a review and get back to me by XX/XX/XXXX . And subsequently, I received your letter as shown in Exhibi t 1 .

At this point, if you have acknowledge that you wrongfully charged me {$15000.00} for hazard insurance that I already have coverage for, and that you dont owe me any money. I respectfully request evidence of a payment or check that was sent fro m Bayview Loan to me, reflecting the payment for the wrongful escrow advance. If not, please pay me this amount promptly. This issue has been brought to your ( Bayview Loan ) a ttention more than a year ago.

Sincerely, XXXX XXXX

06/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 75035
 Web
Dear CFPB, This is my recollection of events as I tried to work with Bayview Mortgage upon the death of my mother and the management of her estate. Following the passing of my mother, we proceeded to follow through with managing her estate and filing any necessary paperwork. As I had been living in the XXXX, XXXX and XXXX home with her over the course of her demise, my husband took on much of the administrative work. One of the first things we did together was hire a probate attorney out of XXXX, TX. He advised us to continue paying on the mortgage and informed us that our home might also qualify as a Texas XXXX since I was the only heir living in the residence at the time of mom 's passing. He also told us to keep paying on the mortgage in her name, and we did. We payed on the home all of XXXX and into XXXX of XXXX. Without notification or correspondence, we were locked out of the mortgage portal that my husband had been using to pay the mortgage. XXXX XXXX was no longer allowing my husband access and he was prevented from paying ( he was not on the estate ). Our mortgage was current at the time. We built the home 14 years ago and have lived in the home, paying the mortgage on time for 14 years. My husband called the mortgage company ( XXXX XXXX XXXX ) and they said they had sold our mortgage to Bayview. We informed XXXX XXXX XXXX that we were in probate, and she apologized to us saying something to the effect of the right hand not knowing what the left hand was doing at her company, implying that it was a mistake. She told us payment was not due on the mortgage during probate and also not due because the loan was not in my name. ( We have since learned that both were false ). We stopped paying as instructed, and anticipated that Bayview would allow us to assume the mortgage and restart payments. She also told us to send the Probate Court Orders, Death Certificate and other documents to Bayview since XXXX XXXX no longer owned the note. Under the instructions of our attorney, we thought we could assume the mortgage while we were still in probate, so it was a surprise that they sold it. The first time we talked to Bayview was on or around XX/XX/XXXX, they said they couldnt talk to me. This is where we started encountering real problems as Bayview would not allow me to speak with them, claiming I was not authorized to speak with them regarding the account. We spoke with a woman named XXXX and sent all of our documents ( Probate Court Order, Death Certificate, Oath of Independent Executor, and Letters of Testamentary ( this according to the stated document needs in their flyer ) to her, including a letter of authorization for my husband to speak to them on my behalf. The Letters Testamentary should have been enough as it its the court order stating there was a will, that I am the Sole Heir and Inheritor, and that I am the Executor of the Estate and able to speak with them about this property. Meanwhile, my husband became very ill during the early months of XXXX. He was hospitalized for a week starting XX/XX/XXXX. He had been mistreated by previous doctors and had developed XXXX. His XXXX XXXX was shutting down and I was told he had the worst XXXX the physician had seen. They also told be if we had brought him in two days later, he would have not survived. It took my husband several months to recover. This is the reason for our slowness in follow-up. We expected Bayview to contact us ( as XXXX said she would ) about assuming the mortgage and for me to be authorized to talk to them. Later, my husband recontacted XXXX around XX/XX/XXXX. She said they had lost the documents and asked for them to be resent, which we did. We were waiting for them to contact us again regarding assuming the mortgage. During this time we were receiving documents calling our whole mortgage due, around $ XXXX. We also had several conversations with their debt collectors who called often. We attempted to explain our situation to them but we're met with frustration. My husband became sick again and was taken to the Emergency Room XX/XX/XXXX after two months of an unknown illness. Then a month ago, we recontacted Bayview and they said had lost the documents again. We sent them and included the sent email with the attachments from the first time we had sent the document to XXXX in XXXX, demonstrating our previous attempts to supply these needed documents. We did receive documents informing us of a court date from Bayview 's lawyers. The documents stated that the court may decide on a default judgment if we do not appear in court. We looked at the date when we got the documents and the Court Date had already passed three weeks before we had received the certified letters. I called Loss Mitigation department twice, once on XX/XX/XXXX and was on hold for two hours and fifteen minutes, then another time on hold for one hour. I finally got through. I talked with a man who, after pulling up and reviewing my file, was surprised to hear that my mom was deceased and that we were in Probate. He said that this is why the house had gone straight through to foreclosure, indicating that if they had received documents, it might not have, or at least at a slower pace ( but we had already sent them twice. ) I re-sent, again, the documents to Bayview this time to ( XXXX ). I was told to include ; Proof of Death ( thats what the Letters Testamentary does ), court orders ( thats what the Letters Testamentary also does ) and Mom 's Will and any proof of my rights to the property ( Again, thats what the Letters Testamentary proves ). We were also told to wait 3 to 5 days for the information to propagate their system. When I called back I was transferred to a different department and spoke with XXXX ( I have reason to believe she did not give her real name ). She also said she could not talk to me, that authorization had not happened. I asked if they had received our documents, and she said " no '' ( that would be the third time Bayview lost them ), then said she saw something with my name, then said again " I am not allowed to talk to you. '' She said that they had looked into authorizing me but that they were missing documents from me. I asked what those documents were, stating that I would send them immediately that day. She said that she could not tell me what documents were needed. So I restated, You need documents from me but you cant tell me what they are? She said, Yes. How am I suppose to know what the documents are that you need? Am I suppose to guess? I asked nicely. She became very angry with me and said No!! Youre not suppose to guess! But still she would not tell me what documents they claim they needed. She said that she was going to send an email to XXXX and open up a task bar. She said XXXX would be calling me in 3-5 days. I have not heard from XXXX. Meanwhile, we have heard from their lawyers pressing us into foreclosure even though we are in an inherited homestead and still in probate. Our court date for Forclosure is XX/XX/XXXX and our house is to be sold on the courthouse steps. I am responsible for the estate, but neither I, nor my husband are on the Note, as only my mom took out the loan to begin with. How are we to resolve our issues with Bayview, either through Mortgage Assumption, LossMitigation or Estate Home Sale, if we can not get them to speak with us. We need help as we can not get Bayview to speak with us. Documents : 1. Notarized Proof of Identity and Death Certificate 2. Mom 's Will 3. Letters Testamentary 4. Permission Letter for Husband to Administration 5. Inventory for Estate 6. XXXX XXXX Last Payment XX/XX/XXXX XXXX. Last Bayview Bill a. Notice the document doesn't say its to : The Estate of... 8. Estate Court Case Document
09/25/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75224
 Web
XXXX thank you for your assistance in helping to resolve a long standing problem with Bayview Loan Servicing , LLC. the complaints that I am filing are relevant to a long process. I filed a CH13 BK XXXX XXXX that was released in XX/XX/XXXX - During this time Bayview Loan Servicing acquired my Loan from XXXX XXXX XXXX and because of the CH13BK BLS did not allow me access to the BLS Customer web portal. I had no access to what was happening behind the scenes regarding my mortgage and monthly payments as well how the Trustee payments were being applied. XX/XX/XXXX I was able to login to Bayview Loan Servicing Customer web portal where I found a detail payment history report that shows my Monthly mortgage payment paid in full were applied to a " SUSPENSE ACCOUNT '' this is new information and reveals evidence that {$27000.00} balance was being held in the Suspense Account prior to the Bankruptcy court approving the " LOAN MODIFICATION '' XXXX XXXX XXXX. There are multiple issues that we are trying to resolve and multiple departments involved : Department Involved are : Escalations Department, Payment Department, Tax Department, Bankruptcy Department as well others. Bayview Loan Servicing make note that some of my questions are " duplicative '' and have already been answered. However the " LOCK OUT '' that I was under - not privy to internal information because of the CH13 BK status only told only side of the story. I have attached numerous reports in conjunction with the complaints filed through XXXX and would appreciate Bayview Loan Servicing reviewing the documents and responding accordingly. I have been told by members of the Escalation Teams that my case is beyond there ability and have been told they would forward to a manager. This case need to be seen by a SENIOR LEVEL EXECUTIVE who has the AUTHORITY to make the right decision on behalf of me the Mortgage holder and the Mortgage Lender. The problems is multifaceted and a direct cause and affect of not applying monthly payments on time and to the right account. We are dealing with excessive Funds held in a Suspense Account, Unapplied Monthly Mortgage Payments that were paid in full and Monthly Trustee Payments that were paid to satisfy arrears payments that were scheduled by the Bankruptcy Court, There were Payments applied to a Suspense Account totaling {$27000.00}, A " LOAN MODIFICATION '', that resulted in an increased principle balance by {$27000.00}. Error reports for 1098 Year End Mortgage Interest Statements for XXXX and XXXX all a result of Bayview Loan Servicing not accurately applying regular monthly payments on a regular basis. Exhausting feat to resolve and disruptive to all involved. I am asking Bayview Loan Servicing to please send all correspondence regarding all complaints through the XXXX XXXX XXXX XXXX XXXX Web Portal. Please send a letter of explanation for all complaints through USPS for my records I recently received a correspondence letter XX/XX/XXXX dated XX/XX/XXXX addressing the 1098 Year End Mortgage statements for XXXX, XXXX that you have admittedly stated were incorrect and a revised version would be sent. out in 10 days - This error on your part is NOT timely as my Tax return for XXXX has already been filed and the deadline for the extension I filed for XXXX is approaching fast. To my understanding BAYVIEW LOAN SERVICING Mortgage servicer manages loan accounts on behalf of the mortgagee or investor. The servicer typically : sends the monthly mortgage statement to the homeowner collects and processes payments tracks account balances manages the escrow account reviews loan modification applications The information below is accounting taken directly form Bayview Laon Servicing Customer Web portal under Payment History ; I have attached the report and have highlighted areas of the report to help in this matter. XX/XX/XXXX BLS Online Payment History reports {$20000.00} a suspense balance and principle balance of {$260000.00}. XX/XX/XXXX the same day BLS reported the suspense balance to be {$21000.00} XXXX XXXX BLS reported the suspense balance to be {$23000.00} XX/XX/XXXX2016 BLS reported the suspense balance to be {$24000.00} the same day the suspense balance increased to {$25000.00}. XX/XX/XXXX the Suspense Account showed a negative balance of ( {$19000.00} ) and the suspense balanced dropped to {$5800.00}. BLS reported XX/XX/XXXX the Suspense Balance to be {$1400.00} and the Suspense Account to be ( {$4300.00} ). BLS reports XXXX XXXX, XXXX the Suspense Account to be {$2000.00} and the Suspense Balance increased to {$3500.00}. XX/XX/XXXX the Suspense Account drops to ( {$2000.00} ) the Suspense Balance drops to {$1400.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$3600.00} the Suspense Account increased to {$2100.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$5800.00} the Suspense Account increased to {$2100.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$8000.00} the Suspense Account increased to {$2100.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$10000.00} the Suspense Account increased to {$2100.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$12000.00} the Suspense Account increased to {$2100.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$14000.00} the Suspense Account increased to {$2100.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$16000.00} the Suspense Account increased to $ XXXX XXXX XXXX BLS reports the Suspense Balance increased to {$18000.00} the Suspense Account increased to {$2100.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$21000.00} the Suspense Account increased to {$2100.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$23000.00} the Suspense Account increased to {$2100.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$25000.00} the Suspense Account increased to {$2100.00}. XX/XX/XXXX BLS reports the Suspense Balance increased to {$27000.00} the Suspense Account increased to {$2100.00}. BLS continues this reporting trend the report attached to this CFPB complaint shows more detailed and further shows no monthly payments that were made were applied to the mortgage account rather they were being applied to the suspense account increasing the suspense balance. Pre-Modification Term the principle balance was {$260000.00} ) BLS was being paid Monthly payments by me ( home owner ) of {$2000.00} dollars a month and the BK TRUSTEE was paying toward the arrears payments. This equation bellows BLS Loan # XXXX principal balance {$260000.00} + {$27000.00} ( Funds in the Suspense account ) = {$290000.00} Amount to Capitalized Sub Total less Suspense Funds ( Negative Interest and Escrow Penalties of {$27000.00} + Pre-Mod Terms principal balance of {$260000.00} = XXXX A difference of - {$190.00} Whatever BLS reason for not applying the payments in a timely manner is unacceptable and requires an explanation and renumeration for all costs involved for not recording payments as they were made in a timely manner. My experience with Bayview Loan Servicing is as follows : During the CH13 Bk BLS did not send monthly statements I paid regular monthly mortgage payments BLS did not apply the payments to my mortgage Loan account instead they were put into a suspense account. The account balances do not reflect the monthly payments that were paid in full. BLS reporting method has resulted in the 1098 Year End Mortgage Statements to be incorrect resulting in me having to refile for previous tax years which could have been avoided - This has been a main concern from XX/XX/XXXX. Thank you
07/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30518
 Web
My home loan was sold by XXXX to Bayview Loan Servicing on XX/XX/2018. Immediately prior to the sale, I had come out of forbearance due to unemployment. My loan was sold before XXXX took any additional steps to assist me in any sort of modification so it went to Bayview with approximately {$9000.00} showing past due. The first week of XXXX, I called Bayview in order to determine what my next steps would/could be considering I had become unemployed again after working a temporary job. I immediately informed the person on the phone ( who couldn't find my account ) that I was still unemployed and struggling with finding a job and therefore, struggling to pay my mortgage. I had trouble finding the hardship application on their site so the representative said one would be mailed to me. In the midst of this, I was also in the process of settling a civil issue with my ex-husband through the courts. I did not know if, as part of the resolution, I would have to sell the house or turn it over to him, so I had to wait until this issue was resolved before submitting the application. Mediation occurred on XX/XX/XXXX and was finalized by the judge on XX/XX/XXXX and resulted in no changes being made in the ownership/possession of the home. On or about XX/XX/XXXX, I submitted my hardship application to Bayview. I stated in the application that I have no income since I am unemployed. I also wrote the required " Hardship Declaration '' where I provided highlights of the issues which occurred over the past year leading up to me currently unable to pay the mortgage.The same day, I called to speak with XXXX ( XXXX ) XXXX ( ( XXXX ) whom Bayview has identified as my asset manager. I informed XXXX that I was unemployed ( making this the THIRD notification to Bayview regarding my employment/income status ) and told him that I had sent in my hardship application for review. On or about XX/XX/XXXX, I received a call from XXXX whom I believed was calling to notify me of my application status or to discuss the options available to me. However, XXXX calls to tell me " good news '' and that I was approved for a loan modification. He explains that he can not discuss the terms of the modification but tells me what the payment would be during the " trial period ''. The loan modification amount was MORE than my standard payment which I immediately pointed out and, AGAIN, notified XXXX that I was unemployed. I asked XXXX how I was expected to afford the " modified/increased '' payment if I couldn't make the " regular '' payment since I was unemployed. He could not answer the question and said we would discuss it once I received the modification paperwork. I directly asked XXXX how long I would have to make a decision about this and he told me XX/XX/XXXX. On XX/XX/XXXX, I received the paperwork from Bayview regarding loan modification. Again, the payment offered was MORE than what I had been paying. The paperwork sent by Bayview also stated I had to respond by XX/XX/XXXX which was different than the XX/XX/XXXX date stated by XXXX. On XX/XX/XXXX, I called XXXX to discuss the loan modification paperwork. During the conversation, I was told I had been " pre-approved '' for this loan modification and " income was not a factor in the decision ''. XXXX also stated that this loan modification was SEPARATE from the Hardship Application I submitted. Yet again, I stated to XXXX that I am unemployed and have no income. He continued saying " if I accepted the offer '' how things would work with the modification. I AGAIN asked him how I could pay an increased payment amount when I couldn't afford the CURRENT payment amount. I received no answer other than I needed to speak with XXXX XXXX who could discuss the terms with me because he is licensed in Georgia.. XXXX said he would schedule a phone call with XXXX since XXXX was not in the office that day. Additionally, I questioned XXXX about the " respond by '' date on the paperwork which was different than what I was told by XXXX. I could not get a straight answer out of him so I continued to question him. Because of this I was basically told I was being argumentative. On XX/XX/XXXX I received a call from XXXX XXXX regarding the loan modification. I immediately told him that I was unemployed so there was really no reason for him to explain the terms of the modification because I did not have the money to pay the first payment and the only other option they ( Bayview ) say I have is to hand the house over to them. XXXX was confused as to why I was being considered for loan modification and if I had notified my asset manager ( XXXX ) of this. I emphatically told him I had notified XXXX multiple times and it was explained in detail on my hardship application. With that, he said he would get back with XXXX and either he or XXXX would call me back. I also said the same thing to XXXX about how I was supposed to afford the modified payment if I couldn't afford the regular payment. He then asked what my payment had been ... ... HE HAD A COMPLETELY DIFFERENT AMOUNT. So now there are THREE payment amounts being thrown around and none of them match. At this point, I have now been waiting over two weeks for that return call from XXXX/XXXX. Amazingly that same day, I received a letter from Bayview dated XX/XX/XXXX. XX/XX/XXXX was the last date I spoke to XXXX and notified him that I had submitted my hardship application. It went on to state that the Modification Trial period I was approved for offered " the best available terms ''. Considering I reported ABSOLUTELY NO INCOME, either a ) my application was not even looked at or, b ) this company started the loan modification process to prevent me from " qualifying '' for any other type of assistance. I called again on XX/XX/XXXX to speak to XXXX and got his voicemail. I left him a terse message stating I was told there would be a call back and I haven't received one and that I'm trying to figure out what's going on. The ONLY options for resolution this company has offered are the loan modification or surrender of the property back to them. However, I KNOW there are other options yet those options are not being offered, excuse me, or even being DISCUSSED with me. I find it WAY too coincidental that a loan modification was suddenly offered to me after I informed Bayview I sent in my hardship application. It is also WAY too coincidental that on XX/XX/XXXX, THE SAME DAY I SPOKE WITH XXXX, a letter went out denying my hardship application. I feel my efforts to save my home and addressed the outstanding balance are being purposefully blocked by XXXX/Bayview. I find it strange that I would be approved for a loan modification disclosing that I had no income, whether it was done " automatically by the system '' or not. It is exceedingly strange that my hardship application is DENIED the same day I talk to XXXX, questioning the whole situation with the loan modification. I'm wondering why he never mentioned that my application had been denied ... ... obviously he would have known. There is something not right going on with this company and they appear to be blocking my efforts to obtain assistance by trying to tell me I only have the two options of doing a loan modification or surrender the home. This leads them into a situation of forcing foreclosure while, at the same time, trying to show that they had tried " working with me ''. I know this isn't correct but no one I speak with seems to know their head from their XXXX XXXX . Seriously. I am interested to know if this company has had similar reports of this type of thing and if how they are shuffling me around is legal.
02/10/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WI
  • 549XX
 Web
COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX RE : Complaint regarding Community Loan Servicing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) I started the end of my forbearance process in XX/XX/XXXX by submitting an application for modification to XXXX. Per follow up phone call to make sure everything was submitted properly, I was told the modification was initiated on XX/XX/XXXX, and advised to wait to begin making any payments upon approval. Process was to take up to 30-45 days. This was in discussion with an XXXX XXXX out of their XXXX office. XXXX XXXX had handled my mortgage until early XXXX in which it was transferred to Bayview which ultimately changed its name to Community Loan Servicing. I am presently in a loan modification executed back in XX/XX/XXXX as part of the XXXX program that was offered to struggling homeowners. I had just divorced and because of the way this modification was written, it had a deferred amount of which would sit idle until the sale of the home or payoff of the loan. With this deferral, it made it possible by keeping my payment down and able to retain my home. ( See attachment A ) The deed was transferred by Quit Claim Deed by my former husband and the divorce decree specified me as the sole owner of the property. However, along with this application to CLS I also submitted an application to assume the loan. This process was cancelled by CLS because of documents not returned within given time frame. ( See attachment B ) My goal at this point, however, is to first get into an affordable plan to resume making fair affordable mortgage payments to get on track. Id like it noted that periodically I did make contact throughout forbearance to CLS to make sure I was in compliance and expressed my desire to get back on track. I made mention in several of these conversations how important it was to keep my present terms especially the deferral part as of the huge impact it made on my monthly payment. I even made periodic payments during forbearance to show my good faith. I am not sure just how exactly these dollars were allocated as their statements are very confusing. On XX/XX/XXXX just after I received a phone call from CLS advising me that I had been approved for a modification ( See attachment XXXX ). I was delivered the documents to review and sign to execute this offer they were making me. I had asked the gal who had called for some details of the offer and at that time I told her that it would not be doable and was told when I get the documents to call CLS with my concerns. I also would like to point out, Included in loan documents for the assumption I had applied for that I received on XX/XX/XXXX, were forms to sign and agree to Flood Insurance I would be required to have on my mortgage. I have never needed, or ever have been requested by lender to have flood insurance ( See attachment D ) The only water Im near is a small man made pond in my back yard when home was constructed. This was absurd. I called XXXX XXXX at CLS who was listed as the contact ( ph ( XXXX ) XXXX ). I asked him what other options I had and he replied with an upfront down payment of arrears was the only other one, followed by 3-5 monthly payments spreading out balance of what I was behind. I told him it was highly improbable and the offer needed further consideration. He was to have one of two people get back to me within a couple days, one by the name of XXXX XXXX, a licensed loan originator with CLS. I never did receive a phone call back from either. On XX/XX/XXXX I contacted XXXX XXXX, my mortgage lender, as I wasnt getting anywhere with CLS. I talked to a gentleman named XXXX, a former case manager as he told me. He sounded very optimistic that there should be some other option and advised me to call CLS back. He agreed it sounded unrealistic and let them know what I needed to be done in order to come to a workable solution. I did again call CLS back, and was told I would hear from someone within 24 hours. I did not. I once again contacted FM and talked to XXXX explaining I had previously talked to XXXX. She said she would escalate the inquiry and would be getting back to me. Time was of the essence, as XX/XX/XXXX marked payment One of the trial period. Several days passed and I didnt hear from XXXX XXXX I once again called XXXX and the representative looked on the notes made on my account by XXXX. She apparently tried to get back but had the wrong area code to my phone number. The notes also read customer has non negotiable offer leaving no options. So, that left me with either sign CLS mod documents and agree with the terms, or come up with {$27000.00} to bring my account current and resume regular payments under XXXX. Neither one of them helping me get back on track as is promised by all these mortgage lenders. After hearing this from XXXX, I one last time contacted XXXX XXXX at CLS. Again, he informed me there was no negotiating and told me specifically what my options were. If I elected to apply for the repayment plan, I would need down payment of {$24000.00} and the remainder of the arrears spread over 3-5 months with a monthly payment of {$2400.00} over 5 months. But because of the {$2400.00} max payment request for this option, I would not even qualify. If I paid the full {$27000.00}, I could resume all terms of my XXXX mortgage as I have and be back on track. They have not given me any realistic options at all other then as I was told, sell my home to keep from foreclosure. When I told him I would only set myself up for falling behind with their terms being offered, he answered I would have the whole month of XXXX to get XXXX payment made, and same for XXXX and XXXX. Then after the trial period, I could try and get the interest rate reduced. Even by lowering the rate on the full balance ( no deferral, their terms ) it still puts that payment of {$2000.00} out of reach. I am prepared to make a reasonable payment, but I can not agree to their modification terms. I have no faith in CLS and certainly would not chance signing and expecting they would lower my rate as they have done nothing to help me thus far. With my first payment coming due, and no reasonable resolution intact, I contacted HUD and set up an appointment with XXXX XXXX, a certified housing counselor. I met with her on XX/XX/XXXX. We went over my situation and she made a phone call to CLS, had a very encouraging conversation with XXXX. More details of that conversation are on the attached document which XXXX gave me for submission with my complaint. I had a second meeting with her on XX/XX/XXXX, in which she had arranged a phone appt via voice message to XXXX XXXX, the License Loan Originator, CLS. This was after a lengthy unsuccessful attempt at contacting CLS at the meeting the day of the XXXX by phone, continuously put on hold. The meeting was to be at XXXX pm on the XXXX, at which time XXXX and I met to discuss my situation with XXXX via conference call. Once again, we did not get a phone call back from XXXX for that appt. After waiting at length in hopes of a response, we decided it was time to contact CFBP and get a complaint filed. XXXX did call CFBP and it was agreed we proceed with this complaint. Respectfully submitted, XXXX XXXX XXXX XXXX XXXX Attachments : A, B, C, D Letter from XXXX XXXX, XXXX Credit Counseling Service NOTE : Attachments are available in full, pertinent page selected PLEASE SEE ATTACHED LETTER FROM XXXX XXXX from Consumer Credit Counseling Service which is pertinent to this case.
12/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 46236
 Web
My Ex-husband and I own equal parts of an undivided property. We are both on the deed, but he is the only one on the XXXX XXXX conventional mortgage. The divorce decree ordered the house sold and the equity split equally. He breached the divorce decree by refusing to sell the property. After I consulted with both a divorce attorney and real estate attorney about his breach he turned over possession of the property to me. Shortly after I took over residency, he died by XXXX. I learned via a notification from XXXX XXXX that the payments were not being made after his death. I was unable to get any information from the original lender XXXX. I contacted the HOPE hotline for assistance. The HOPE hotline contacted XXXX with me on the line and met with great resistance. The XXXX representative repeatedly requested for my ex-husband to call and give permission to talk to me and yes, this was after being told numerous times he had died. I took over the conversation with the HOPE representative still on the line and continued to push for help. I asked about making the payments and they told me I would not be given any tax benefit for making the payments and it would not guarantee saving my home. Finally, I was able to learn there were forms that could be completed to gain access to the mortgage. XXXX insisted the forms had to be mailed to him at the home and they were not available online or by email. I explained to them his mail had been forwarded and I needed them mailed to my P.O. Box. They refused to mail them anywhere but the residence and to his attention. Finally, at the end of the 78 minute call I was told I could go to a XXXX branch with a copy of the divorce decree, death certificate, copy of the deed, and my identification. I did as instructed and was given the forms. When I inquired about my rights as a successor in interest to take over the mortgage I was told by the branch employee our investors dont do that I knew this to be untrue and assumed the employee was unaware of the Mortgage Servicing Rules and XXXX XXXX guidelines. I had spent many hours studying the law and XXXX XXXX so I knew the information was incorrect. I took the forms, completed them and submitted them to XXXX via fax. I followed up with XXXX several times and each time was told they were in process and they wouldnt tell me anything. Finally, I received a letter stating the mortgage had been sold to XXXX XXXX. At this point the mortgage was 4 months past due. On XX/XX/2018 I began my communications with Bayview Loan Servicing. I was told to supply the death certificate, divorce decree, a copy of the deed, and my identification. I submitted all to them and a few days later permitted access to information on the loan. The original person I spoke to overnighted forms for me to complete to obtain a modification and transfer of ownership of the loan. I submitted the documents via the Bayview website and received a confirmation via email that they had been accepted. Ive included copies of the upload and confirmation. I was never told whether the documents were complete or something was missing or was rejected or accepted nothing. There was no communication from Bayview regarding those documents even after I inquired. Then I was assigned to XXXX XXXX/XXXX and not permitted to talk to anyone but her. What seemed to be going according to my understanding of the law and XXXX XXXX servicing guidelines turned into a nightmare. XXXX XXXX/XXXX gave false information, made misleading statements, refused to adhere to the law even after being questioned about it, and continually made contradictory statements resulting in significant financial losses that continue today. Ive had 13 calls with Bayview at a total of 157 minutes. Each time XXXX XXXX/XXXX made statements that are in direct opposition to the laws designed to protect a successor in interest. It is my understanding I am to be treated as the borrower with all the same rights and remedies to avoid foreclosure. Her statements even contradict Bayview policy that Ive included from their website. As it is my understanding their calls are all recorded, Ive included my phone records showing the day, date, and time of all calls to prove my allegations. Ive also included an unanswered email I sent to an email found on correspondence I received to try to go around XXXX Beal/XXXX and as yet I still have not received a response. Her statements included telling me the following : - You have no rights being on the deed, and living in the home doesnt matter - Your only option is to catch up all past due payments and assume the loan - You are not permitted to accept the streamline modification offered - Only the estate has rights - The estate must sign off on your assumption of the loan - You can not apply for a modification until you assume the loan I was completely distraught. I didnt understand how all this was possible. I began questioning everything I had studied about the laws covering my situation. It didnt occur to me that XXXX XXXX/XXXX and XXXX XXXX would be outright breaking the law. It seemed incomprehensible to me that they were lying to me and attempting to defraud me. I felt based on what XXXX XXXX/XXXX had told me I either had to accept that I would lose my home to foreclosure or have to open the estate of my ex-husband and take on the financial burden and liability of doing so. Ultimately, I felt I had no choice but to open the estate as I feared being homeless. After opening the estate I was notified XXXX filed foreclosure paperwork. I contacted XXXX XXXX/XXXX again to notify her that I had opened the estate and was appointed executor. She told me it didnt matter I had no rights my only option was to assume the loan. Desperate, I dug back into studying the laws and know unequivocally my rights are being violated and I need help in holding Bayview and their representative accountable for my losses. I need assistance to save my home and make Bayview perform in accordance to the law. The financial damages Ive experienced that continue to mount due to XXXX XXXX XXXX and their representative XXXX XXXX/XXXX are as follows : - Additional interest, late fees, and legal fees on mortgage balance - Legal fees, administrative costs, and bond fee of opening estate as I was told was necessary by Bayview - Legal fees for defending the foreclosure as a deed holder - Legal fees for filing a response to their violations of the Mortgage Servicing Rules ( in process ) - Hundreds of hours of my time studying the laws, filling out forms, communicating with Bayview, communicating with attorneys, and communicating with government agencies regarding my rights In addition to the financial damages I am now responsible for my ex-husbands estate, all the liabilities that go with serving as executor, and the time and work involved. The actions of Bayview and their representative have created extreme distress. Im unable to sleep through the night, I have constant XXXX, XXXX, an XXXX XXXX XXXX, XXXX, live in constant fear of the sheriff showing up and throwing me out of my home, and suffering the humiliation of being named in a foreclosure suit. All I have wanted since learning the payments were not being made is to save my home.
04/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 33029
 Web Older American
ATTENTION XXXX XXXX XXXX XXXX : EVENTHOUGH BAYVIEW LOAN SERVICING , LLC WAS THE ORIGINATING SERVICERS IN XXXX WHEN THIS LOAN/MORTGAGE WAS CREATED, THE COMPANY ( BAYVIEW ) IS TOUTING THAT THEY SOLD YOU [ XXXX XXXX XXXX XXXX ] THE MORTGAGE IN XXXX. ( SEE BAYVIEW ATTACHED COPY ). AND WANTS TO ELIMINATE THEMSELVES FROM THE WRONGFUL ACTS THAT THEY CARRIED OUT IN ( XXXX AND XXXX ) BECAUSE THEY STATED THAT YOU WERE SOLD THE LOAN IN ( XXXX ). ( SEE ALL INFORMATION IN THIS COMPLAINT ). SO I AM SENDING YOUR COMPANY [ XXXX XXXX XXXX ] THE COMPLAINT ( WHICH I THOUGHT THE CFPB SENT YOU ALREADY ). The below information explains in further detail of what was requested of ( Bayview Loan Servicing , LLC ) in the previous complaint that was not remotely or respectively answered. Amongst many other questions that should have been answered and Corrections that should ( should have ) been made. See CFPB # XXXX. In XXXX while originating our loan application, you, Bayview Loan Servicing , LLC Circumvented the Florida Law reference A Borrower and A Married Borrower in the State of Florida. Which forms a [ Tenancy by the Entireties ] which treats the husband and wife as a unit. In the State of Florida, a ny Real Property or Personal Property held by husband and wife as ( tenants by the entireties ) belongs to neither spouse individually, but rather each spouse owns the whole property. And both signatures are required for any change in document terms ( i.e. Loan Modification Agreements ). You ( Bayview Loan Servicing ) made my husband ( the Sole loan borrower ) on the loan application of your own volition, instead of the both of us on the application form. Which there should not have been any reason we couldnt qualify together. But even so, because we are a married unit, the Florida Law did not call for your company to dictate Spousal Rights ( in favor of my husband ) over our Real Property. ( i.e. telling me I need permission to discuss my real property with you ( Bayview ) or/and ( XXXX XXXX XXXX XXXX ) or any other entity ( i.e. CFPB ). It was Reckless, and Manipulative to further circumvent the Florida Law to create your own rules to [ exploit Rights of Power to discuss any business regarding our real property to my husband ] and simultaneously created a wall shielding the Spousal ( WIFE ) from being able to ( Call Your Servicing Company/ XXXX XXXX XXXX XXXX XXXX ) to discuss any business matters in reference to our investment property. That was, and still is a Reckless, Destructive Act that could cause Severe Problems regarding property asset distribution between a Husband and Wife in this State. But ultimately, you ( Bayview Loan Servicing , LLC ) broke the Florida Law regarding Spousal Property Ownership by ( thru loan years ) have continuously invalidated my position as a ( titled married owner of our Real Property ). RESPONSE TO BAYVIEW LOAN SERVICING STATMENT # 1 Answer Per you ( Bayview Loans Servicing, LLC ) Tout of me being unauthorized to receive/request information reference my own property. You ( Bayview Loan Servicing , LLC ) broke the Florida Law between Married Property Owners. As stated in the above paragraphs, it is Destructive and Reckless for you, Bayview Loan Servicing , LLC ) to have Circumvented the Florida Law ( during the application process ) to benefit your application needs. The decision regarding the form of ownership of an asset is Critically Important, especially in the State of Florida. So this Act of exploiting Sole Rights of Power to my Husband [ in the State of Florida ] can cause extreme detriment in regards to spousal laws relating to real property, etc. # 2 Answer In reference to ( Bayview Loan Servicing ) stating they transferred our loan to ( XXXX XXXX XXXX XXXX ). The main area of this complaint surrounds the ( Modification Agreement ) Originated by you ( Bayview Loan Servicing , LLC ) in XXXX for processing a contract agreement consisting of [ One married partys signature [ my husband ] and did not contain the ( other married Partys signature ) the ( spousal wife ), which makes the Modification Agreement unenforceable. ( Invalid ). There were changes made to the existing contract by extending the terms of the Maturity Date to ( XX/XX/XXXX ). I the ( other owner/spouse ) did not agree to these terms ( neither was my signature on the Modification Agreement ). I am requesting the [ Maturity Date is Corrected ) according to the Original Promissory Note to ( XX/XX/XXXX XXXX. Also, there is a ( XXXX letter from XXXX XXXX XXXX XXXX attached ) that states from XXXX XXXX XXXX that they were servicing our Loan ( at that time ) on behalf of Bayview of Loan Servicing, [ WHO IS ACTUALLY THE MASTER SERVICER ]. ( see attached letter ) Note/Attachments : A letter from XXXX XXXX XXXX XXXX is attached regarding authorization of ( the spousal wife ) discussing our Investment Real Property. Which is against Florida Law for ( Bayview Loan Servicing , LLC ) to exercise and expedite those Financial Rules, and to other Mortgage Companies/Servicers, etc. that Bayview conducts business with. Also, a copy of the ( Invalid Modification Loan Agreement ( with the signature of one Party ). Which I also sent with previous complaint to Bayview. There is approximately ( 5 ) already other uploaded documents regarding this complaint under CFPB # XXXX. See the ( UNSUBSTANTIAL ] uploaded response from Bayview Loan Servicing , LLC to this and previous complaint alike. Affiliated Companies/Financial Institutions : Bayview Loan Servicing , LLC Customer Support Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++ WHAT CAN FIX THE PROBLEM In reference to ( Bayview Loan Servicing ) stating they transferred our loan to ( M & T Mortgage ). The main area of this complaint surrounds the ( Modification Agreement ) Originated by you ( Bayview Loan Servicing , LLC ) in XXXX for processing a contract agreement consisting of [ One married partys signature [ my husband ] and did not contain the ( other married Partys signature ) the ( spousal wife ), which makes the Modification Agreement unenforceable. ( Invalid ). There were changes made to the existing contract by extending the terms of the Maturity Date to ( XX/XX/XXXX ). I the ( other owner/spouse ) did not agree to these terms ( neither was my signature on the Modification Agreement ). I am requesting the [ Maturity Date is Corrected ) according to the Original Promissory Note to ( XX/XX/XXXX XXXX. A copy of this particular Complaint and ( Modification Loan Agreement ) sent to XXXX XXXX XXXX XXXX so that they can see that the [ Modified Terms of the Loan ] that was supposedly transferred to them is unenforceable and ( invalid ).
04/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 754XX
 Web
Loan was transferred from XXXX to Bayview/Community Loan Servicing in XXXX after I had problems making increased Mortgage payments ( + {$500.00} ). Payment was {$1100.00} then jumped to {$1600.00} due to Escrow shortage when XXXX XXXX TX, modified their exemption ( s ) structure. I lost my Homestead exemption and AG exemption on my XXXX Taxes. This also increased Insurance premium. These " losses '' were temporary and reinstated almost immediately. but I was unable to make the FULL payment ( s ) requested/due for 60 days which caused the transfer of my loan. I DID/HAD continued to make the pre Tax increase payments. I/we had our Mortgage Loan with XXXX for 17+ years and had had an exemplary payment record until the Escrow Shortage.. I did continue to dispute/disagree with the payment increase as Community Loan Servicing Customer ( Victim ) and to make the preEscrow shortage payments of $ XXXX and had hoped that I would be able to resolve the Escrow shortage by a payment ( s ) directly to our Escrow account. I was not successful. I also had hoped to refinance our loan at a lower interest rate than the current 7.25 % I applied with XXXX XXXX ( XX/XX/XXXX XXXX and was shocked to learn that since Bayview/Community Loans HAD NOT submitted data/payment info to any of the Credit Bureaus since they " took over '' our loan. When I discovered that this Federally required procedure WAS NOT being adhered to? I requested, received and reviewed my Credit Reports from XXXX, XXXX and XXXX in order to verify this beyond upsetting news. The actions ( lack of ) by Community Loan Servicing created the appearance that I had not made ANY Mortgage payments for fifteen ( 15 ) months. I contacted Community Loan Servicing within 48 hours. Their response was that that was impossible and in order for them to investigate this issue, I would have to provide them with the copies of my Credit Reports from all three bureaus. I complied within 12 hours. It was a week or longer and I contacted them when I, after paying for a service to enable me to view my updated reports and I had not seen any information on my Loan posted. I do have a copy of a file that substantiates this information It was XXXX before I saw any changes to my Credit Reports and learned that the information that Community Loan Servicing was inaccurate and, even from the time of the transfer from XXXX, the information they had posted did not " agree '' with the information from XXXX when they transferred my loan. Since Community/Bayview began submitting information to the Bureaus? There have been multiple MISTAKES including that I/we had two loans with Bayview for our home 's Mortgage. To this date ( XXXX XXXX ), Community Loan Servicing has failed to report ANY of the payments that I have made for EIGHTEEN ( 18 ) months. I did miss ONE payment in XX/XX/XXXX when I paid the Taxes due for the land ( 3 acres ) that adjoins or property. The Community Loan Servicing statements do advise that partial payments would be held in a " Surplus '' account until the amount needed for the full requested payment was in this Surplus Account and it would then be applied. This HAS NOT BEEN DONE. Community Loan Servicing is now reporting that I have not made a single payment for 180 days although my Loan 's Principal Balance has decreased since XXXX transferred my loan. Community Loan Servicing contacted me by phone with an " offer '' to my " crisis '' and that would prevent my home 's foreclosure. At the time, I did not understand that this offer was part of a Trial period for a Loan Modification agreement. I did provide the three requested payments on the 1st of the three months requested. {$920.00}. I continued to receive threatening ( Foreclosure ) letters but then was sent a Loan Modification Agreement. The threats continued. This agreement has MANY requirements that are /will be impossible to adhere to. I feel that for my own security, I should NOT sign this agreement. After their lack of Professionalism, adherence to Federal Regulations and other factors? I do NOT TRUST them. Dealing with them leads me to believe that they do not have to adhere to the same Rules & Regulations as a bank. While researching the history of my Loan and payments I have made to Community Loan Servicing? I also discovered that the payment I made in XX/XX/XXXX to XXXX in the amount of {$1200.00} had been " lost '' and is not reflected in either Bank/company 's transaction History. I opened a case with XXXX XXXX to locate and to provide documentation that this payment was made. I have had a Conference Call with XXXX XXXX and XXXX. XXXX has faxed information to XXXX. XXXX is now researching this issue but sent ( XX/XX/XXXX ) documents that I need to sign before they can continue. I have continued to receive letters that advise that they ( Community Loan Servicing ) is able to Foreclose upon my home and property with any additional contact with me or correspondence. I have continued to make payments despite the obstacles created by Community Loan Servicing. They had blocked my ability to make payments on line through their website, through their automated phone system or through XXXX. I DID ATTEMPT multiple times to make a payment of {$1100.00} towards the XX/XX/XXXX payment. This is the amount indicated in their Loan Modification agreement " plus some '' I have filed a complaint with Community Loan Servicing through their website regarding the methods they are using to make submitting payments by any other method than speaking to an Agent. I also filed a complaint with XXXX for inability to submit a payment. After the last four ( 4 ) months of discussions with Community? I DO NOT feel comfortable sharing or discussing my situation by phone. I am in the process of reviewing all of XXXX 's XXXX statements and logging all applicable detail. I was missing four ( 4 ) XXXX statements which I was able to receive last Thursday ( XX/XX/XXXX ) .I am also reviewing all the details of Community Loan Servicing 's statements since our Loan was transferred to them. This was/is my DREAM home. My Husband and I paid {$70000.00} as a down payment for this loan We made payments on time religiously for SEVENTEEN ( 17 ) years. My Home and Property have significantly increased in value. I lost my Husband in XX/XX/XXXX and had made all payments for 3+ years prior to his death, I continued to make payments after his Death until today. I am in GRAVE fear of being " evicted '' and I do not have anywhere to go. I ABSOLUTELY do not want to lose my home or its equity and to be homeless at the age of XXXX. I had hoped to have some updates & improvements made to my home but this " relationship '' with Community has prevented this.
06/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92131
 Web Servicemember
I think that my home loan servicer Bayview Loan Servicing has not acted in good faith to try and assist me with neither a home loan modification, nor a hardship loan modification. Please take note that I initially requested a loan modification in XX/XX/XXXX. Bayview seemed to draw out the process, and requested more documentation at a snails pace. This initial attempt cumulated with me receiving a negative response from Bayview on XX/XX/XXXX. This was due to a my receiving a negative NPV score. On XX/XX/XXXX, I responded to the negative NPV letters, and stated that the information utilized to score my income was inaccurate, and did not correctly utilize my gross monthly income, nor did it utilize my wife 's income. I also requested an explanation of the NPV score. I attached updated and correct information to reflect our true income. I received a response letter from Bayview on XX/XX/XXXX stating that they had received my loss mitigation application. On XX/XX/XXXX, I received a credit report from Bayview showing that my credit score was XXXX, as of XX/XX/XXXX. On XX/XX/XXXX, I received a Letter from Bayview stating that my loss mitigation application was incomplete, and it requested additional documentation be provided by XX/XX/XXXX. On XX/XX/XXXX, both my wife an I received Notice of Trustee Sale letters, which stated that my home would go up for public auction on XX/XX/XXXX. The letter also contained a Notice to Property Owner about the sale. On XX/XX/XXXX I engaged a Homeowner representative to assist me with dealing with the situation. On XX/XX/XXXX-XX/XX/XXXX, I submitted an updated Uniform Applicant Assistance Form/Form 710, along with the documentation that the application called for. On XX/XX/XXXX, I received a notice of payoff demand from the XXXX XXXX. The latter gave me until XX/XX/XXXX to re-instate my loan. In the amount of {$280000.00}. I also received a mortgage statement from Bayview, with a reinstatement amount of {$47000.00} to re-instate the loan, and an accelerated amount of {$280000.00}. There are three separate amounts, and it was highly confusing. On XX/XX/XXXX, I received another letter from the XXXX XXXX, which showed a new re-instate amount of {$46000.00}. This was a fourth different amount, and added to my confusion. On XX/XX/XXXX, my home was valued at {$490000.00}. The starting auction bid was {$230000.00}. My representative, at my request was able to negotiate additional month, before my home was to be auctioned off. The new auction date was set on XX/XX/XXXX. Do to my situation, I was able to secure a loan from my 401 K, and on XX/XX/XXXX, I submitted an electronic payment directly from my bank to Bayview, in the amount of {$47000.00}. Per my mortgage statement, dated XX/XX/XXXX, my re-instatement amount due was {$47000.00}. The payment arrived prior to my receiving my XX/XX/XXXX mortgage statement. Although my payment was submitted electronically to Bayview on the XX/XX/XXXX, it does not appear to have been applied to my account until XX/XX/XXXX. I received my next statement which was due on XX/XX/XXXX. The re-instatement amount had grown to {$50000.00}. Please keep in mind that the previous reinstatement amount of {$47000.00} had already been received by Bayview, and had not been applied to my account. On XX/XX/XXXX, I electronically transmitted a payment in the amount of {$3000.00}. It appears that this payment was not applied to my account on XX/XX/XXXX. This was fully four ( 4 ) days later. this payment brought my total payments to the reinstatement amount of {$50.00}, XXXX. My account is now reinstated. In preparation for the payment that I made online, on XX/XX/XXXX, I checked my Bayview online account. As I had not gotten a response from my hardship application, I went to the hardship application page, and found that my hardship application had been denied on XX/XX/XXXX/XX/XX/XXXX. I had never received a response on the hardship application that I submitted on XX/XX/XXXX-XX/XX/XXXX. As I checked my hardship application page, it appeared that all of my documentation had been submitted, and that there was nothing amiss. Why was I denied the hardship request? I eventually found out. I had attempted to make contact with my asset manager XXXX XXXX, during the week of XX/XX/XXXX-XX/XX/XXXX, but she was out of the office and unavailable for the entire week. This was very troubling, as my payments had not been applied to my account, and I wanted to verify that my account was in fact re-instated. I was finally able to schedule a call the next week, an I eventually spoke to here on XX/XX/XXXX. I was ensured that all was up to date, my account was back in good standing. Coincidentally, I received a letter on XX/XX/XXXX, overnight XXXX. The letter was dated the day before, XX/XX/XXXX. This letter is pure fabrication, as it stated that my application request was denied because my application was incomplete, and that I did not submit all of the documents that Bayview requested. This was totally false an inaccurate. Bayview clearly was not making a good faith effort to assist me in the hardship process. They did not respond to hardship application, and they knew they had to cover their tracks. As of today, I can no longer see the hardship application tab on my online account, it shows that all of my documentation was submitted properly and that I did not receive any communication from Bayview until XX/XX/XXXX. This was obviously a clumsy attempt to cover up wrong doing on the part of Bayview. Bayview 's handling of my mortgage modification and hardship applications, were either incompetent at best, or fraudulent at worst. I have had two ( 2 ) different asset managers ( XXXX XXXX XXXX and XXXX XXXX ) working on my applications sent I initiated the process. Neither are very engaged, nor are the very communicative with me. They are difficult to make contact with. In fact, both Customer Service and Customer Relations lines, will only let you make a payment, or speak with your asset manager. This is definitely convenient for the home owner, as XXXX XXXX is rarely in the office. The home owner must leave a message or schedule a call back time. if you are on a time line to lose your home, I would think the servicer should have some additional back up for the asset managers. There handling my attempt to modify my loan appears corrupt and unlawful, and I would like it to be investigated. Fortunately for me, I had the means to recover, but lot of home owners do not. Hopefully, this leads to an investigation of Bayview internal business practices, that will help some other distressed home owner in the future. Sincerely, XXXX XXXX XXXX, XXXX , XXXX
08/25/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43229
 Web
Community Loan Servicing approved a forbearance plan on XX/XX/2021, with an effective date of XX/XX/2021. The loan was brought current to the effective date of XX/XX/2021 on XX/XX/2021, as I was unemployed from XX/XX/2021, until XX/XX/2021, and could not make the payments, which is why I requested and was approved for the forbearance plan. Per the CARES Act credit reporting was supposed to be as follows : ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. '' ( CARES Act, emphasis added at ( bb ) ). The date that the accommodation went into effect was XX/XX/2021, the payment of the mortgage was made through XX/XX/2021, which was the last due date before the accommodation was effective. I sold the property that they held the note and mortgage for, to complete the forbearance plan, but they had already transferred the note to a different servicer. During the forbearance plan, they had been incorrectly identifying my account as 60 days delinquent, despite it being brought to the effective date of the forbearance plan of XX/XX/2021. A payment on a mortgage can either be due or not due, it can not be relayed to the consumer as not due, and secretly due at the same time. I was never informed that they were considering my account delinquent by 60 days during the forbearance plan and reporting as such to the credit agencies, even after the loan was brought to the effective date of the forbearance plan. When researching the CARES Act, they make no mention of payments within the forbearance plan needing to be paid to bring the account current. Therefore, my account was brought current on XX/XX/2021, with successful payment of all payments due outside of the forbearance plan. Currently, Community Loan Servicing has provided to the XXXX XXXX XXXX that my loan was due for XXXX, XXXX and XX/XX/2021, which were under the protection of the forbearance plan, and no payment was due. If no payment was due, then they could not expect it to be paid to bring the loan current, if it was brought current up through the beginning of the forbearance plan, and no communication with the servicer attempted to collect payment for XXXX, XXXX and XX/XX/2021, therefore it could not have been due. During the entire forbearance plan, even after settling all payments due before the mortgage was put into forbearance, the loan was reported to the credit bureaus as 60 days delinquent, which starting on XX/XX/2021, was not true. It was current until the forbearance plan took effect. According to the CARES Act, if account is current when enter a forbearance plan, it is current throughout, if it is brought current during the forbearance plan, it is supposed to be reported as current, on the date that it is brought current. All payments that had been due before entering forbearance were paid on XX/XX/2021, all payments within forbearance were not due. Once the account was brought current, it should have been reported as such, based upon the effective date of the forbearance plan which was XX/XX/2021, despite requesting at the beginning of XX/XX/2021, being approved XX/XX/2021, before the payment for XX/XX/2021 was past due on XX/XX/2021, per the mortgage and note. Therefore, the loan was never thirty days past due, and forbearance was approved before XX/XX/2021, which was the last date to pay for XX/XX/2021, before being past due. I assert that a payment can either be due or not due. When I submitted a payment in XX/XX/2021, and XX/XX/2021, they went toward the months of XXXX and XXXX which were due before the forbearance plan became effective. By XX/XX/2021, no payment was due. Community Loan Servicing is asserting that I would have needed to pay XXXX, XXXX and XX/XX/2021 to bring the loan current, even though those payments were under the forbearance plan. Therefore, I assert, that this was in violation of the forbearance plan. They are not able to consider those payments to be due to bring the loan current when a forbearance plan was approved and in effect. If all payments up until the start of a forbearance plan are paid, the loan should be considered current, once all payments that were due before the forbearance plan are paid. No payments were due under the forbearance plan, therefore, they should not have been expected to be paid to make the loan current in the eyes of Community Loan Servicing, and they are not allowed to assert that they were due, now that I have requested them to correct the payment history they sent to the credit bureaus. They sent XXXX separate months of 60 days delinquent payments to all three credit bureaus, and never sent that as of XX/XX/2021, the loan was considered current, based upon all payments that were due up until forbearance were paid in XX/XX/2021. Therefore, I requested that they fix the payment history to reflect that while XXXX could be considered late, that XXXX XXXX XXXX could not. They have refused to fix the payment history, and my last correspondence with them claims that payments that were not due under forbearance were due to bring the loan current. This is unfair, as anyone who had completed payments up until forbearance was agreed to were considered current, but even though I brought it current to when the forbearance plan started, which according to the CARES Act they should have also started to report as current at that time, they continually reported as late, which destroyed all of my credit scores, even though forbearance was supposed to protect against that, and I did everything I could once I received my notice that I would be unemployed to get my account to the date right before forbearance was approved, and I did, and was still punished by XXXX XXXX XXXX because they claim that payments that were not due under the forbearance plan, were due to bring my account current. I want them to fix the payment history that they sent to the credit bureaus. I acted in good faith by applying for protection and was unfairly punished.
03/20/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • WA
  • 985XX
 Web Older American, Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid off sole seperate property house has been extorted though he's exempt for over 15 years for his exs court ordered sole seperate loan sharking bill she, made in commission of many proven crimes in their divorce, She stolevXXXX I'd many xs n title to his sole seperate property house hers was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX till foreclosed on by XXXX for this debt XXXX. XXXX account number, she's court ordered to pay and did pay including extra over XXXX XXXX to XXXX but even though court ordered this her sole bill to pay she stopped in XX/XX/XXXX forcing XXXX XXXX to get threatened with ruined credit foreclosed or suit XXXX to XXXX a month ever since n we eye witnessed whole thing,, so XXXX asked XXXX XXXX what's going on n he said XXXX XXXX pay or XXXX will foreclose on his house when again he knew loan was fraudulent and XXXX was exempt and it was crimes against him title and I'd theft by XXXX XXXX XXXX XXXX XXXX XXXX XXXX his XXXX XXXX XXXX XXXX, so XXXX asked for copy of the original contract loan sharking type called a mortgage, 4.1 % fixed interest 15 year term payments XXXX a month with first XXXX due XX/XX/XXXX, by then XXXX had paid XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, and XXXX to XXXX each month till she quit against court orders till she paid in full XXXX of XXXX causing XXXX to get extorted for her debt when he was exempt n his property was exempt bank, account n credit were exempt??? so we witnessed XXXX ask XXXX ok what are these XXXX XXXX XXXX XXXX XXXX XXXX insurances for XXXX to XXXX. XXXX explained XXXX asked what are payments with those canceled XXXX XXXX XXXX XXXX minus XXXX equals XXXX new payment amount XXXX asked ok for information sake what is payment with 30 year terms, XXXX said it drops payments from XXXX to XXXX to XXXX a month, XXXX said ok, keep loan 15 years and cancel those XXXX XXXX insurances and apply the extra to principal but as you m can see by XXXX n Bayview now communities fraudulent documents they not only made up any terms they wanted frequently they never ever credited the canceled XXXX insurances to payments XXXX lowered to XXXX they n also every amortization table shows this they never credited extras extorted from XXXX to principal he'll XX/XX/XXXX XXXX balance to XX/XX/XXXX XXXX they never credited a single payment to overall balance,, but did charge XXXX XXXX XXXX XXXX extra each month XXXX to XX/XX/XXXX for said canceled insurances, also inputted XXXX a year skip a month coupons backwards negating XXXX XXXX a month payment each n every month proven XXXX by fax serving every receipt n corresponding bank statement then falsely claimed XXXX did not pay those months we he proved he paid n used a coupon XXXX XXXX to XXXX when it went to collections at Bayview where they did worse calling threatening mailing XXXX foreclosure notices after cease and desist notices sent by registered mail XXXX to both registered mail XXXX XXXX each plus opt out notices court documents proving XXXX a victim of crimes by XXXX XXXX XXXX XXXX XXXX XXXX XXXX also added XXXX to overall balance XXXX XXXX XXXX summer and XXXX XXXX XXXX this debt XXXX XXXX XX/XX/XXXX, XXXX charged it off to insurances XXXX 6 months later. So if amortized right applying XXXX full XXXX XXXX payment plus XXXX extra plus extras over charged XXXX extortedly paid this off by XXXX XXXX,, but by fraud n subterfuge XXXX said XXXX still owed she was only named on bill but again reps called and mailed XXXX foreclosure XXXX XXXX a month XXXX to XXXX to extort this exempt man n his exempt property they should have taken bogus lien off of long ago, but instead sold it to Bayview who typed up whatever fraudulent letters words threatening XXXX they needed they added XXXX name to loan sharking contract n bill added their names to realty taxes n insurance XXXX total balance XXXX b year terms 4.1 % fixed simple mortgage interest and all terms but XXXX payments change when again XXXX minus XXXX XXXX insurances XXXX or XXXX XXXX XXXX lower payment amount minus XXXX XXXX insurances XXXX to XXXX never changed stayed XXXX but interest n different XXXX bodys contracts showed XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, interests n summer XXXX to cfpb bogus shrunken contract of another person 's name XXXX camasco? 9.84 %. Lol. XXXX pages shrunk bogus letters typed up threatening XXXX saying he owes n they'll foreclose,, letters their documents we faxed served them cherry picking them but adding their bogus letters falsely claiming XXXX did not pay this month that month, but not receipts n bank statements we faxed all proving he did many times to, all but documents showing XXXX discharging debt this debt community number account XXXX, showing Bayview community never put right payments amount either and curtailed extras XXXX to XXXX xs amonth XXXX moved funds around applying them different XXXX to XXXX xs to try XXXX hide their extorting frauds they added deferment XXXX XXXX added XXXX XXXX by applying XXXX extorted payment under forbearance all to interest only instead of all to principal they lowered growing principal each time XXXX it got to over XXXX to XXXX XXXX, to XXXX to XXXX. XX/XX/XXXX when XX/XX/XXXX it was XXXX. They regularly screamed at XXXX and caused v triggered XXXX into XXXX XXXX n did not even try to garnish XXXX 's XXXX dollars an hour from cardio institute job XXXX to now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX wa XXXX. But instead went after XXXX who was declared not responsible for her crimes and all her bills .... in divorce,,,???? Causing XXXX many XXXX XXXX and aidding XXXX abetting a known felons,, extorting XXXX unjustly enriching them selves sending over XXXX notices each XXXX n community after cease XXXX desist registered mailing abusing XXXX terrorizing XXXX whose prone to XXXX XXXX and strokes and XXXX reps admitted we were right and they were wrong. Sincerely XXXX XXXX For XXXX XXXX we found out XX/XX/XXXX northwest justice project attorney XXXX XXXX XXXX multicare dshs hca aps have been helping her XXXX her cohorts frame XXXX for crimes bills they made with malice aforethought, .. 15 years..please help please get them to stop killing XXXX based on criminals XXXX smear campaign please get XXXX XXXX protects by law he's the law doers been denied for over 15 years and repayment of every dime extorted times XXXX... see earlier complaint XXXX add together for more complete facts XXXX truth..
12/03/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98011
 Web Servicemember
To whom it may concern, I am at my wits end! I lost my job in XXXX and I was the primary bread winner. I was 30 days late on my house payment and I was close to going 60 days late. I called Bayview Loan Servicing LLC and asked what would happen if I payed a payment even though I was 30 days late? Will it keep considering me 30 days late and he said yes. The gentleman on the phone named told me that I can get approved for an MHA program ( XXXX loan modification ) but that I needed to be 90 days late to be approved and suggested that I go 90 days late after I called the free counselling and got preapproved for the MHA modification with my wifes income. So I went 90 days late and then applied for the MHA program. Bayview LS LLC would take roughly 4 months for each cycle of the application. It would take this long because after submitting all documents and finishing filling out the paper work, they would give me one last condition which was for a letter from my home owners insurance. However, I belong in a town home so I have to go through my broker. The broker then said he is not supposed to work with me and is and always has been a lender side condition ( meaning they are supposed to do it, not me ) and I would tell them this and then they would deny my modification after 4+ months for not submitting all conditions even though I always did my part of the conditions. I can not control the portion they do. Then the cycle would keep repeating all the way until the MHA ( making homes affordable program ) program expired AND FINALLY they did their job and did the insurance section, they sent me a notice that my application is complete ( even though MHA had expired ) finally and then they denied me. However, I had had a really good job for over 6 months at that time and I included my income and applied again and they still denied me even though my income made me surely qualify. I have a XXXX XXXX and I live near my parents where I also take care of them, I also live near my childrens school. I NEED my home and I called a lawyer who recommended me a WA state mediation program. I got the counselor on a 3 way call and we called Bayview together and the representative at Bayview gave me the best life fulfilling news Ive had in years with my counselors help and approved me for a fantastic loan modification early this past XXXX. I have cut and pasted the notes for proof, below. I was so happy to know Im keeping my house and XXXX gave me a second chance and I invested {$7000.00} in repairs and improvement. I even ordered a new roof. Bayviews representative on the phone who guaranteed my newly approved loan modification with my licensed counselor/mediator gave me instructions of exactly what to pay and to pay on XXXX XXXX. I called yesterday right after work with payment information to happily make my first payment. I called in and the lady I spoke to yesterday told me she sees in the notes that my loan mod was approved, but had nothing in the system that was set up for a payment. She assured me and put my on hold. She got back on the phone from hold and then crushed me with news that they said I am still denied! Upon hearing the news yesterday after investing so much money and already having a health condition, I literally feinted on the spot! My XXXX has been XXXX and my XXXX wont stop XXXX! My XXXX is literally XXXX! This is not fair and I have been jerked around for over an entire year and a half and the whole reason I am even in this mess is that in XXXX I was recommended to go 90 days late to be put in the loan mod! NOTES ( i.e. proof ) from my counselor getting the loan mod approved over the phone and having it guaranteed to me : Hi XXXX, Big congrats! Great job on getting your own loan modification on your own. Privileged to be the one to hear about it with you Attached is the privacy and the action plan consists pretty much of the call notes below. Call Notes : Loan # XXXX Bayview XXXX Loan is only in wife XXXX name but XXXX has 3rd party auth on file SPOC assigned to the file XXXX XXXX with Asset Dept XXXX fax XXXX email : and always put loan # & attention XXXX XXXX in subject line XXXXXXXXXXXX Approved for a loan modification sent out on XXXX/XXXX/XXXX start date XXXX for 1st trial payment ( they made it so that no down payment is required the original start date was going to be XXXX/XXXX/XXXX ) Need to check docs to see if signature XXXX will put in request to XXXX XXXX to email the document to XXXX XXXX payments can pay by phone and can speak to anyone but best if given directly to XXXX. No charge for pay by phone fee is waived during TPP Payment is 14 day grace period but must post by XXXX each month. Check a couple of days after you make your payments with Bayview and your own bank to be sure that they payment posted to your account and it cleared your bank. Pay to the exact penny, not a penny more or less or you could break the contract or throw their accounting off. Call and speak with XXXX to review the document once you get it and find out if anything needs to be signed. Modification terms : P & I {$1300.00} Taxes {$28000.00} ( {$1600.00} for 6 months ) Insurance {$110.00} Total payment {$1700.00} Escrow shortage of {$280.00} per month and will last until XXXX you can pay in a lump sum but wait until after you have the final executed docs in your hands that have your signature and Bayviews on them. Total payment {$2000.00} for the TPP payments Modification is a step interest rate starting out at 3 % and works its way up to 6.45 % fixed. Think he said it goes up by 1 % per year until 5 years when it becomes fixed but it will say on the document. UPB {$300000.00} Delinquent {$65000.00} Due for XXXX/XXXX/XXXX Investor Opportunity Funds XXXX XXXX Origination {$340000.00} XXXX/XXXX/XXXX ( didnt get the % or term ) Thank You, XXXX XXXX XXXX XXXX HUD Certified Housing Counselor ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa. XXXX P XXXX x XXXX F XXXX XXXXXXXXXXXX How to access our services through alternative means : 1 ) XXXX XXXX currently has Housing Counselors who speak the following languages : XXXX, XXXX, XXXX, XXXX and XXXX. If your particular language requirement is not listed we have contracted with a third party vendor to assist you in receiving our services. 2 ) If we can not accommodate your specific request, or do not offer the type of services requested, we may be able to refer you to another agency and or organization to meet your needs.
12/04/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Account status incorrect
  • DE
  • 19904
 Web
I am writing in to dispute credit information reported from my mortgage company XXXX XXXX XXXX XXXX for account number XXXX that is being reported by Bayview Loan servicing LLC. I have enclosed copies of my statement and notices that are saying I am past due, even though I am making monthly payments. The statements are saying I am not making a payment for months, then 3 months later ; they are updating my previously made payments. When I call them, they tell me I am not past due and that I was not reported past due and that if I am showing past due on my credit report ; that I need to call the credit reporting agency. Here is the history that lead up to all of these problems. XX/XX/XXXX my employer XXXX went on strike. My income was reduced to XXXX a month. I called XXXX XXXX XXXX to setup some kind of arrangement to keep my mortgage current. The representative connected me to Bayview Loan Servicing who handles arrangements. I was told that I could apply for a modification but I had to wait until after XX/XX/XXXX so that my account would show in the arrears. I called back after that date and applied for the modification. I received a call a few days later that I was approved for a 3 month modification and that I needed to pay taxes and interest and my payment would be XXXX and that I needed to make a payment that day, but also had to mail my payment to Bayview or call Bayview to make the payment by phone. I made the payment ( all three payments ) by phone and in XX/XX/XXXX I received an alert from XXXX XXXX that I was behind on my mortgage. I called Bayview to see why I am reporting behind and I was told that I would report past due until I satisfied the 3 month modification. Once I satisfied it then the account record would update to current. After I completed the 3 month modification, I received a letter from Bayview telling me to call in because my account was in a past due status. So I call very upset, asked to speak with a manager. The manager tells me that I was given wrong information in XX/XX/XXXX. That she sees the notes from when I called but that I was given the wrong information. She said she will setup the correct kind of modification to bring my account current. She said it will update that I am current but during the modification process I will show past due ( again ). Subsequently, I applied for the new modification with the manager to bring the account current due to the misinformation from the previous modification. I made my XX/XX/XXXX payment. I received a call that I was approved for the new modification on XX/XX/XXXX but that I needed to make two payments that day ( to cover for XX/XX/XXXX and XX/XX/XXXX ) to initiate the process. I was told to pay XXXX each month for 3 consecutive months to successfully complete the modification. The manager said once again, that the account will update from the previous past due. But that it will show past due until XX/XX/XXXX when the 3 month period for the modification is completed successfully. Again I had to call Bayview to make each payment. At the end of XX/XX/XXXX, I received a call from Bayview telling me that my modification had been completed and my modified payments were XXXX. I began making XXXX even payments to Bayview. I was told that I still had to make the payments directly to them until everything was completed on the backend. When XX/XX/XXXX came, my past due was updated from being over {$5000.00} behind to a little over {$1000.00} behind. So there was some kind of update but it did not fully bring the account current. On the annual escrow account statement dated XX/XX/XXXX, I was advised that my new monthly payment changed to XXXX. So I began making {$800.00} payments. As you can see by the statement date XXXX/XXXX/XXXX, all of my payments from the beginning of the year were applied in XX/XX/XXXX to my mortgage. I enclosed the statements showing my payments, showing that I was past due ( even though I call and am told to disregard those because the modification is being processed ). To date, I am still getting notices that I am past due. Bayview is holding my payments and saying that they are still processing the modification. I spoke with XXXX on XX/XX/XXXX who said that my account is not past due. He transferred me to XXXX to confirm. XXXX said my account has not been reported past due and that I need to reach out to the credit bureau if it says that I am past due. Starting XX/XX/XXXX, I began making payments online directly to XXXX XXXX XXXX XXXX and that is when my credit report updated that I was 90-120+ days past due on my mortgage anymore. This has been a huge snow ball that has been getting worse and worse. I am not sure how else to fix this since Bayview is saying that nothing is reporting past due and that the second modification is still being processed. But obviously my mortgage is still reporting past due. My credit rating has gone from close to XXXX down to less than XXXX. Please review the statements and notices that I have sent in. I desperately need this corrected. I am not able to get it corrected with Bayview since they are saying nothing is showing past due. Then I get a call from Bayview on XX/XX/XXXX saying that I was 3 payments past due. I explained the situation to the gentleman. He looked back and verified my payments and said he wasnt sure why it was saying I was past due. He told me to call their customer service. I explained to him that I already called numerous times and keep being told that I am not past due. If any additional information is needed, please contact me. On XX/XX/XXXX, I came home to a note on my door that told me to call my mortgage company. I called on XX/XX/XXXX and spoke with a XXXX XXXX ( spelling might be wrong ). He told me that my account is past due. XXXX went back into my history. Said that my modification paperwork said my payment was approximately XXXX a month with principle and interest. He said that my payment should have been XXXX. And that that is the reason I am showing past due about XXXX. I do not understand why my paperwork would tell me to pay XXXX, which I paid XXXX. Then my monthly statement told me to start paying XXXX in XX/XX/XXXX, which I then began paying XXXX. But, then say that that is the reason why I am showing past due.
09/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DE
  • 19977
 Web
I Had To Send 3 letters to this company because they have different information on all my credit reports! Furthermore I was never late. XXXX XXXX Report : XXXX Date : XX/XX/XXXX XX/XX/XXXX COMMUNITY LOAN SERVICI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : COMMUNITY LOAN SERVICI, Your company is in violation of the FCRA and XXXX Compliance for reporting these transactions. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX and XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I request that you provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests. Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I insist that the above transactions be promptly deleted from my consumer reports. Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address XXXX XXXX Report : XXXX Date : XX/XX/XXXX XX/XX/XXXX COMMUNITY LOAN SERVICI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : COMMUNITY LOAN SERVICI, Your company is in violation of the FCRA and XXXX Compliance for reporting these transactions. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX and XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I request that you provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests. Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I insist that the above transactions be promptly deleted from my consumer reports. Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address XXXX XXXX Report : XXXX XX/XX/XXXX COMMUNITY LOAN SERVICI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : COMMUNITY LOAN SERVICI, Your company is in violation of the FCRA and XXXX Compliance for reporting these transactions. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I request that you provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests. Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I insist that the above transactions be promptly deleted from my consumer reports. Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address
12/05/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 080XX
 Web
I fell behind on my mortgage while waiting for a hearing for social security XXXX. During that time I had no income and without an income, I was unable to apply for a loan modification. My house was originally scheduled for sheriff sale on XX/XX/XXXX [ moved to XX/XX/XXXX ]. In XX/XX/XXXX I was finally approved for XXXX [ including 5 years of back payments ] A few weeks later I received the letter from social security informing me how much I would be receiving each month. At that time [ XX/XX/XXXX ], I applied for a loan modification. I signed and emailed the application along with the required paperwork to the email address specified in the modification package. Also during this time I had filed for bankruptcy as I 'd fallen behind on several other bills. I wanted to keep the house however and do a modification. The modification package I received was from XXXX XXXX, listed with the job title of XXXX XXXX. On XX/XX/XXXX, I called and spoke with her. She informed me that while my documents had been received and the package was complete - she was unable to speak to me about the status of the modification due to the bankruptcy until my attorney sent in a letter stating it was OK for them to speak with me. My attorney sent over this letter to the same email address [ as requested by Bayview ]. On XX/XX/XXXX I was unable to reach XXXX and spoke with someone named XXXX who informed me that while they had received the letter from my attorney " the flag had n't been processed in their system '' so they were still unable to speak to me. XXXX informed me he would be removing the flag from my account, and seeing that my modification package would be processed. He recommended I call back in 24-48 hours so the 'flag removal ' had enough time to process in their system. Today, XX/XX/XXXX I called and spoke with some named XXXX. She informed me that the documents I sent in were no good because they were signed and dated before the original scheduled date of the sheriff sale and I would have to resend in the entire package. She also told me that despite receiving a letter from XXXX XXXX was n't my XXXX XXXX she [ XXXX ] was and she had no idea why XXXX had been assigned to my account. I feel like I am getting XXXX around. If there was an issue with the date on the documents I submitted [ which I still do not understand ] why was n't I contacted and asked to send in new ones? I only found out because I called them. I do n't understand what the issue with the date on my documents was, why it took over 2 weeks for me to be able to speak to someone after my lawyer sent in a letter stating it was OK to speak with me and here 's the worse part... I received a letter from the sheriff informing me the sheriff sale of my home has been moved to XX/XX/XXXX - next month. Everyone I spoke to at Bayview tells me they do n't have any record of this date and no sale is scheduled - but they refuse to contact the sheriff and tell him this. The fact that Bayview has no record of a rescheduled sale is irrelevant if the sheriff has a sale scheduled. Bayview is consistently telling me there is no sale scheduled and they have no record of an upcoming sale but the sheriff has a sale scheduled on my home for next month. Bayview is refusing to send me documentation assuring me no sale is scheduled or send documentation to the sheriff informing them that the sale is on hold at the current time. So while Bayview is XXXX me around with allof the modification paperwork nonsense, my house is going to be sold out from under me. Every person I speak to at Bayview gives me different information about my modification. No one contacts me [ since having received a letter from my attorney that it is OK to contact me ] when there are issues with my modification package, Bayview and the sheriff 's office do n't appear to be on the same page regarding having the sale of my home pushed back. Meanwhile I finally have an income from social security [ my first check comes on XX/XX/XXXX ] and I am due 5 years of back pay, part of which I wanted to use to pay down the mortgage as part of the modification and I 'm going to end up losing my home. I have XXXX and XXXX XXXX and have been having difficulty dealing with the potential I might lose the house, but now that I finally have the income required for the modification and money to pay down some of the principle - Bayview is XXXX with me. Everything from who is in charge of my account, to issues they do n't contact me about with the 'date ' I originally signed the mortgage package to a conflict regarding the actual sale of my house which they refuse to step in and assist with [ they simply keep telling me they do n't have a sale scheduled for my home and it wo n't be sold on the XXXX of next month ] in direct contradiction to the sheriff 's office. Unless they 're planning on selling the home and just outright lying to me about not having a date in their system for the sale of the home - why ca n't they communicate with the sheriff office so they 're on the sale page and confirm that the house wo n't be sold. The bank says it wo n't be sold - the sheriff says it will. Who am I supposed to believe? I waited without income, running through my savings and retirement money for the last 5 years for a social security hearing - which I just won in XX/XX/XXXX - forcing me into bankruptcy to cover all of the debt I 've racked up over the last few years to the extent I ca n't even get a new place to live because of my now poor credit. I want to keep this house but the amount I owe is far above market value [ they 're building newer larger homes in the area for less money ]. I had to wait until the last minute to file the modification paperwork because I was n't able to file it until I had an income - which I just recently got paperwork from social security to show. I do n't understand why Bayview does n't have it 's act together, no one tells me consistent information, no one contacts me when information or documents are needed and they 're swearing to me the sheriff is wrong about the sale of my home. What 's going on?
04/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30127
 Web
I purchased my home in XX/XX/XXXX. When I purchased my home, I had a thriving career earning approximately $ XXXX per year. In XX/XX/XXXX, I lost my job and was unable to obtain a new one for quite some time ( about a year and a half ). As a result, I made the difficult decision to file a Chapter XXXX Bankruptcy in XX/XX/XXXX. I received notice that my mortgage was being sold to Bayview Loan Servicing in XX/XX/XXXX. Prior to my hearing, I opted not to pay my mortgage because I was unsure if the trustee would allow me to stay in my home. Once I found out that I could stay, I was unable to correspond with Bayview until my case was discharged. Once my bankruptcy was discharged in XX/XX/XXXX, I reached out to see what my options were for mortgage assistance. After submitting the necessary documentation to prove that my bankruptcy was discharged, I was able to submit my hardship application in XX/XX/XXXX. Bayview assigned me a representative to assist and work directly with me during this process. I explained further my situation, and what that I wanted to stay in my home. She explained to me that the only option they could offer me was a loan modification which only decreased my payment by $ XXXX {$150.00}. I asked if there was anything else that could be done to help, but because I had only been in my home for 4 years, that was the best that they could do. With this modification plan, I was to make 3 consecutive monthly payments ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of the new payment as a trial, and then my loan/account would be in good standing. Luckily, I had just taken money from my reserves and was able to make these payments. Since then, I haven't been able to keep up with the payments as I am still experiencing financial hardship. I submitted another request for assistance on XX/XX/XXXX. I was again assigned a representative to assist me. This time, they told me that my application was denied because I had defaulted on my modification. Their only solution was to offer me a repayment plan where I would pay a large down payment and then pay increased mortgage payments over time. These figures were provided towards the middle to end of XX/XX/XXXX, would be due on XX/XX/XXXX, and that payment would cover XX/XX/XXXX. During the time that I had been actively corresponding with my representative from Bayview regarding my options, I also receive my Notice of Foreclosure with a sale date of XX/XX/XXXX. After they denied my modification, I decided it best for me to go ahead and put the property on the market. When I spoke to my representative during the last week of XX/XX/XXXX, I explained to him that I planned to sell but wanted to do the repayment plan through the end of XX/XX/XXXX instead of the end of AXX/XX/XXXX. I told him that this would give me enough time to actually get the property sold. Plus, since a family member had agreed to take out a loan to pay the repayment down payment, I wanted to give them as much time as possible. I told him I would call back during the next week, which would have been the first week of XX/XX/XXXX, to get the figures for the down payment for the repayment plan through the end of XX/XX/XXXX. He followed up with me one last time, and I told him the same thing. But he also asked me something about whether I accepted the plan through XX/XX/XXXX that he proposed ( I guess that's where they documented that I refused the payment plan option ). Well, he ( or someone else ) closed my case, and I didn't know it. When I called back on XX/XX/XXXX, I was not routed to the person I had been speaking with. I told this person that I was calling to obtain figures for a repayment plan for XX/XX/XXXX. He told me that he could not provide this because my previous hardship application was about to expire ( it expires 60 days from submission which was XX/XX/XXXX ). He urged me to submit the application as soon as possible because we are very close to my sale date, but he also assured me that we still had time. He advised me to call back on Friday, XX/XX/XXXX because my application would take about 48 hours to process. I submitted another hardship application that same day, XX/XX/XXXX, and called back on Friday, XX/XX/XXXX, to follow up as instructed. When I called back that Friday, they told me that my application was denied and that they could not assist me any further because I was too close to my sale date. They needed at least 37 days to process any requests like this. I explained the conversation that I had with the representative just a few days before where he assured me that there was time and that they could assist me. They just responded that they sent me a letter stating what she explained to me over the phone. All I could do was cry and ask for the reinstatement amount and the payoff balance to see if I could possibly work out another alternative. I know these companies ( mortgage companies ) are out to make money, but I truly wish Bayview would have communicated differently. I wish they would have told me when we were discussing my doing the repayment plan that they would not be able to provide me with a repayment plan option through the end of XX/XX/XXXX, and that they could not assist me when I called back on XX/XX/XXXX. They were evasive, and though they said my hardship application was about to expire, it had not yet expired. Therefore, they could have provided me with the requested figures. I honestly believe their request for the new hardship application was to buy them some time to ensure that I was out of the window for assistance. Technically, when I called on XX/XX/XXXX, I was outside of the 37 days they claimed they needed to process hardship applications before the foreclosure date ( this would have been 28 days ). However, this was never discussed. He told me to submit my application. Overall, I don't think they've ever truly tried to work with me during my hardship. Lowering a mortgage by only $ XXXX {$150.00} does not really help. They continuously send out these letters saying they are here and want to help, but all of their options say otherwise.
07/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30291
 Web
Stop the Sale ) of my home on XX/XX/XXXX place a ( retainer ) on my account for my home and that your company correct your mistakes reinstate my regular modification.The sale of my home would have been illegal done By Bayview!! Because I have been contacting your company on numerous occasions to get my mortgage intact also for your company to fully reinstate my modification to correct amount of {$380.00} my regular payment on my documents before paying up my loan back In XX/XX/XXXX. Your company was given a total of {$7100.00} after being told by Bayview. Which was agreed upon after, all was layout that starting XX/XX/XXXX my regular payment and modification was reinstated back to {$380.00} because my mortgage was on track. But soon as the payment statement came Bayview came with a bogus layout saying I needed to pay XX/XX/XXXX {$91000.00} principal {$100.00}, Interest {$120.00}, Escrow taxes {$150.00}, Regular payment {$380.00}, Total Fees & Charges, Unpaid Past Payments {$530.00} total {$910.00} fraudulent fees coming from Bayview because all late fees & past due was included in the {$7100.00} bringing my account current as of XX/XX/XXXX and that I start paying my regular payment in XX/XX/XXXX which was actually agreed on start paying XXXX XXXX.This is all documented on record I feel like my home and account is being targeted in a form of retaliation/discrimination because after talking to Mr. XXXX on XX/XX/XXXX could not even explained why the {$91000.00} amount came from along with a young lady he transferred to right after telling him my problem with my account. Talking to Mrs. XXXX XXXX the same day she could not give me a reason for the payment and promised someone would call me back which I never received a call about the payment I feel fraudulent on your company behalf. She claimed at the time {$1700.00} which was bogus XXXX XXXX XXXX then she claimed a bad checks was why my mortgage was that amount and that lies because all that was included in the payment {$7100.00}. Then Mrs. XXXX XXXX XXXX claimed it came from XX/XX/XXXX bad checks and that is a lie I never sent bad checks and also all my fees was paid in the amount {$7100.00} XX/XX/XXXX. Feel like Bayview Loan been illegal applying false fees to people account then illegally taking homes that is very bad illegal practices. Not aware I recorded the conversation on XX/XX/XXXX XXXX ( call time 26:21 min ) with Mr. XXXX & Mrs. XXXX XXXX unaware I recorded my conversation with them for my own protection also so this can be handled legally because I was told long as I am involved in the recording it was legal. I been contacting them since that fraudulent amount was applied to my account. *****As of XXXX XXXX I obtained proof from Bayview Loan Servicing site they have been stealing form me possibly others as well. The attorney fees and foreclosures fees actually was {$390.00} and {$530.00} they stolen around close to {$3000.00} dollars form me. Late Fees accumulated because of your Company Deceptive Practice & False Records For Obtaining Extra Money XX/XX/XXXX payment {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} Total {$3800.00} Late Fees {$250.00} Atty fees {$530.00} Foreclosure fees {$390.00} Full Total {$4700.00} Bayview stole nearly XXXX form me Bayview took {$7100.00} dollars from me lying about the attorney fees and foreclosures fees amount when they knew that I was XXXX form my daughters XXXX XXXX and my home flooding which XXXX fail to help even though they was fully aware that XXXX XXXX my home builder placed defective shingles on my roof called XXXX which I got the name from the guy helped build my home! BAYVIEW FRAUDULENT PLACED MY HOME ON FORECLOSURE AND FORCED ME TO FILED BANKRUPTCY TO SAVE MY HOME KNOWING THEY HAD STOLEN {$2100.00} OF MY MONEY Back in XX/XX/XXXX I paid over {$7100.00} for and amount in which I only owed for 6 months due to reinstate my actual modification of {$380.00}. Bayview has been giving me the round around starting back in XX/XX/XXXX all the way up to now XXXX XXXX speaking with Mr. XXXX ( XXXX ( call time 13:37 min ) which he was rude and behaving XXXX thas myself he was talking to someone else while talking to me this was recorded as well.BAYVIEW IS THE REASON FOR MY HOME BEING UNDER FORECLOSURE REFUSING TO CORRECT MY ACCOUNT AND STOP APPLYING FALSE AMOUNTS TO MY ACCOUNT IN WHICH I DO NOT OWE!! Message : Improper Default Notices : Deliberately creating a technical default or wrongfully declaring a default in order to generate fees and penalties or acquire the property ; Improper Foreclosures : Improperly foreclosing a mortgage or a security agreement without giving proper notice or following proper legal procedures ; Improper Guarantee Enforcement : Improperly enforcing personal guarantees ; Improper Acceleration : Improperly accelerating future provisions and enforcement of cross default provisions often found in loan documents ; Wrongful Interference : Wrongfully interfering with a borrowers day-to-day activities or the borrowers contractual relations with third parties ; dealing with my insurance you people stolen 5 months of my money which would have paid my mortgage up until XX/XX/XXXX. meaning i only owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX! I AM REQUESTING YOU PEOPLE GET THIS STRAIGHTEN OUT BEFORE I GO GET A PAID FOR ATTORNEY AND SUE FOR THE MENTAL ANGUISH YOU PEOPLE CAUSED ME WITH TAKING FROM ME WHILE I WAS DEALING WITH FULL XXXX DEALING WITH MY DAUGHTER 'S XXXX XXXX WHICH YOUR COMPANY WAS FULLY AWARE OF AND PAY MY BACK FEES FOR OBTAINING A BANKRUPTCY ATTORNEY WHEN MY TIME WAS NOT UP WHEN I SENT DOCUMENTS FOR A RE-MODIFICATION IN XXXX WHEN I THINK IT WAS MY PAPERWORK MR XXXX TOLD ME I WAS TO LATE WITH SUBMITTING. I AM SICKEN WITH DISCUSS HOW A COMPANY COULD TAKE ADVANTAGE OF PEOPLE KNOWING IT IS WRONG
06/05/2017 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31548
 Web
Borrower filed Bankruptcy Chapter XXXX on or about XX/XX/XXXX . Borrower 's first post- petition payment was due on XX/XX/XXXX . The servicer of the loan, XXXX XXXX XXXX , posted that first post petition payment to a pre-petition payment due date of XX/XX/XXXX . The servicer, XXXX XXXX XXXX and Bayview Loan Services misapplied more than sixty ( 60 ) timely payments as past due. The borrower has not received any billing statements or any other statements or notices from the service r, Bayview Loan S ervicing from XX/XX/XXXX through XX/XX/XXXX because Bayview is currently sending all statements and notices to an address that is NOT the borrower 's address of record.

The Borrower sent a RESPA QWR to Bayview Loan Servicing on XX/XX/XXXX , requesting specific certain information. Bayview used a form letter to respond to the borrower 's concerns that her payments were being misapplied and to imply that the servicer had not reasonably investigated her error claim. Bayview further did not respond completely until more than one-hundred seventeen ( 117 ) days after their confirmed receipt of this borrower 's QWR, that specifically requested the payoff balance of the loan. Bayview has failed to provide an accurate payoff of the loan within the time allowed by FDCPA. Bayview has further provided more tha n 3 d ifferent alleged default amounts. On XX/XX/XXXX Bayview alleged the balance due was {$3900.00} which is ; different from the {$2300.00} as in the Notice of Default Letter a nd both of those balances are different from the Billing statement of XX/XX/XXXX that shows a balance of {$4800.00}.

Aside from Bayview never sending to the borrower nor her attorney the Debt Validation Letter , the letter in itself is violates 15 U.S.C. 1692e bec ause it misstates the law, omits a material term required by 1692g ( a ), and misrepresents consumer rights under the FDCPA. See 15 U.S.C. 1692g.

The communication alleged in this case omitted a material term required b y 1692g ( a ). Specifically, the letter did not inform the borrower that she must dispute her debt in writing to trigger her verification rights under 1692g ( b ). By omitting this requirement, the Collectors instructed the borrower that she could invok e 1692g ( b ) by disputing her debt by callinga misstatement of the law surrounding debt-verification requests. This misrepresentation was not apparent on the face of the letter ; it would thus state a claim even in jurisdictions that apply the competent lawyer standard The FDCPA exists to protect consumers against debt collection abuses. 15 U.S.C. 1692 ( e ). Consumer-protection laws are not made for the protection of experts, but for the public.

From XXXX to XXXX , the borrower has never received any billing statements, Notice of Default Letters, Debt Validation letter or any other information regarding the mortgage account from the servicer, Bayview Loan Servicing, because Bayview has sent all billing statements and notices to an address, that has NOT been the borrowers address since XXXX . Attached see the proof obtained by borrower RESPA QWR that the most recent billing statement was NOT sent to the same address that Bayview Loan Servicing and XXXX XXXX XXXX XXXX has as the address of record for the borrower. This in itself violate FDCPA. Also, Bayview Loan Se rvicing sent this Debt Validation letter to that said address which was not the borrower 's address, during the time when the Borrower was actively under Chapter XXXX Bankruptcy and while the borrower was represented by an Attorney. Bayview at no time sent th is Debt Validation Letter to the borrower 's Bankruptcy Attorney. Thereby leaving the borrower and her attorney unaware of any default and there by Bayview h as denied the borrower her rights under FDCPA. The borrower NEVER received any statements or the Debt Validation Letter until on or about XX/XX/XXXX when Bayview responded to borrower 's RESPA request from XX/XX/XXXX

Because Bayview did not provided to the borrower the payment transaction history from XXXX for more than 117 days past her date of requesting in her XX/XX/XXXX QWR, those actions were intentional and contributes to the timeliness of the borrower 's discovery of more than 60 misapplied payments by XXXX XXXX XXXX and Bayview Loan Servicing. In Bayview 's letter dated XX/XX/XXXX , B ayview Loan Servicing admitted to have discovered at least 1 mi sapplied payment as proof provided by the borrower. Between the time frame of XX/XX/XXXX throught XX/XX/XXXX , Bayview Loan Servicing and XXXX XXXX XXXX has misapplied and reapplied more tha n seventy-five ( 75 ) payments. Most of which were during an active Chapter XXXX Bankruptcy protection post-petition phase. On XX/XX/XXXX the borrower sent to Bayview Loan Servicing , XXXX XXXX XXXX & Foreclosing Attorney XXXX XXXX XXXX XXXX Bayview and all other parties ( TBD ) involved has committed more th an 5 RE SPA violations which is a pattern or practice of non-compliance with the servicing requirements of RESPA. Bayview Loan Servicing & XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has committed the following acts that violate TILA and more to be determined late r : 1 ) F ailed to proved accurate payoff in 7 days because of misapplied payments. 2 ) fa iled to promptly credit payment s 3 ) Pyra miding late fees and other misc. fee s 4 ) failed to send monthly statements and default notices due to being sent to an address that is different from the address Bayview and XXXX XXXX XXXX XXXX used to respond to QWR responses. Bayview was aware of address changed in XXXX . 5 ) Bayview sent Debt Validation Letter d irectly to the borrower BUT to an address previously used by the borrower BUT never sent the letter to the attorney representing the borrower in an active Chapter XXXX case.

06/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 92780
 Web Older American
On XX/XX/XXXX I filed a petition for Chapter XXXX Bankruptcy. It was filed by the attorney I retained thru XXXX XXXX XXXX XXXX XXXX. The proof of claim from Bayview Loan Servicing was filed on XX/XX/XXXX, claiming {$47000.00} in prepetition arrearage. On the proof of claim in Part 4 monthly mortgage payments is as follows : Principal & interest {$1200.00} Monthly escrow {$920.00} Private Mortgage insurance {$0.00} Total monthly payment {$2100.00} I was informed by the paralegal XXXX who filled out the petition to be filed that I needed to send my mortgage payment, which should have been posted to my XX/XX/XXXX mortgage payment. From XX/XX/XXXX - XX/XX/XXXX I made the required payments the first two were {$2800.00}. The following months the payments made were {$2300.00}. I was not receiving my bank statements due to the fact Bayview changed the address without my consent to my attorney 's office. Which my attorney was not monitoring the bank statements. I received an activity report on XX/XX/XXXX, which has all the payments made and when they process the payment and where they applied the payment. As I was reviewing the activity report my first payment was received on XX/XX/XXXX and they applied it to my XX/XX/XXXX. I had called my attorney regarding this and I never received a call back from XXXX XXXX. I kept making the payments until XX/XX/XXXX in which my daughter lost her job due to Covid19. I called Bayview in XXXX of XXXX to let them know that I need to make payment arrangements. I made these arrangements, I was never offered any kind of assistant to help due to Covid19. Bayview Loan Servicing put my mortgage into forbearance on XX/XX/XXXX and their attorney filed for the relief of stay. Stating I was 4 months behind on my postpetition payments. I never received the paper work filed with the courts. I did receive the judgement granting Bayview Loan Servicing the relief of stay. The amount they said I owed was incorrect. I went into my online account with Bayview Loan Servicing and pulled all my bank statements. The first three bank statements I reviewed, still had my escrow account balance at - {$26000.00}. They never adjusted this to reflect that this amount was in the prepetition arrears. The section stating : Summary of amounts past due before filing for bankruptcy states Currant balance {$49000.00}. This is also incorrect the proof of claim Bayview Loan Servicing filed on XX/XX/XXXX reads {$47000.00}. The incorrect balance is on three statements ; Dates on statements XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On statement dated XX/XX/XXXX is showing the correct {$47000.00}. In my escrow balance on the same statement dated XX/XX/XXXX was now showing - {$32000.00}. They were still adding escrow advance payments. After the audit I did on these bank statements and the 1098 tax form, all my postpetition payments were applied to my prepetition arrearage. Not one of my postpetition payments were applied correct. They also continue to charge legal fees, attorney fees, late fees, 2 months after I filed my Bankruptcy petition on XX/XX/XXXX. Thru the audit, Bayview Loan Servicing paid attorney fees with my mortgage payment. I contacted my attorney and I received a call back from the paralegal XXXX, not XXXX XXXX, and I had explained to XXXX that all my post petition payments were being applied in prepetition and his words to me was Bayview can post the my post petition payments where ever they want!!! He kept letting me know that they reason why I got the relief of stay was because I missed 3 months of post petition payments, which I knew I was not disputing this. I was disputing the Bankruptcy payments. He did not want to listen to what I was saying, he told me that I wasted an hour of his time, and I was not listening to him. I informed the paralegal that I did not retain you as my lawyer. All documents filed with the courts was done by XXXX XXXX, and I needed to speak to my lawyer. To this day I have never spoken or meet with XXXX XXXX. I could not pick him out in a crowed room or a police line, cause I don't know what he looks like. XXXX XXXX did not show up for the XXXX meeting we had on XX/XX/XXXX. They lawyer that did show up was late, and I was not able to catch his name. I did ask for his business card, in which he said that he would give that to me. When he left the XXXX meeting to retrieve his business card, he never returned. He left the building. I never saw him again. Once I finished gathering all my BKXXXX documents, which I never received copies of from my attorney and the attorney for Bayview Loan Servicing, which they state on those documents they were mailed to my home. I had to establish an account with Pacer to retrieve those court documents. I also found a document filed by my attorney that someone forged my signature. As soon as I started researching the laws of my bankruptcy case and what RESPA means. I wrote the letter " qualified written request '' to the new name Community Loan Servicing fka : Bayview Loan Servicing. It was sent certified priority mail on XXXX XXXX. I have attached all the documents mention in this complaint. As of today I have not heard back from Community Loan Servicing that they have received my letter. In which they have 5days to respond that they received the letter and 30 days to respond. I also sent a copy of the qualified written request to their attorneys as well. I also stated to their attorneys the error of the {$49000.00} on the first three bank statements and on the fourth one is was corrected. Why wasn't the escrow account balance fixed as well? I have also called Community Loan Servicing twice to get answers and both times they have disconnected the call, so when I called back I got a new rep and had to explain the situation again, and they would disconnected the call when I mention my BK case and my post petition payments.
06/19/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • TN
  • XXXXX
 Web
CFPP/OCC CFPB To Whom this may concern, I, XXXX XXXX had filed a complaint with the CFPB against XXXX XXXX XXXX in XXXX XXXXXXXX, XXXX. Our complaint is we were not treated fairly. We were forced to sell and then not given the time to sell our home, since if they were not going to work with us by renewing our HELOC or let us make intersest only payments through at least XX/XX/XXXX. XXXX XXXX XXXX was the one to first forced the foreclosure and XXXX XXXX ( Asset Manager ) contacted XXXX XXXXXXXX. She told me she did. I have no way to prove. XXXX XXXX XXXX from XXXX Federal Reserve office reply to my email ( from last week ) this morning. She said that I would need to contact the CFPB/OCC to get help with stopping the Auction on our home during this investigation. Our home at XXXX XXXX XXXX XXXX, XXXX, XXXX that was scheduled for foreclosure on XX/XX/XXXX is now scheduled for Auction on the XXXX County Court House Steps this Thursday on XX/XX/XXXX. PLEASE STOP OUR HOME FROM FORECLOSURE AUCTION NOW! We do not deserve this treatment, The Federal Reserve in XXXX has begun a investigation into our claim against XXXX XXXX XXXX. The attached documents have the contact information. XXXX XXXX XXXXXXXX our first lender knew I have been working very hard to sell our home because they too have refused to put even one payment on the end or restructure and refuse to refinance twice in XXXX. I told them I had worked a little more and that my CPA had to file an exten We feel strongly that we have been wronged by XXXX XXXX XXXX and XXXX XXXXXXXX. XXXX XXXXXXXX by not treating us fairly as a Homeowner. We too kept our payments made to XXXX XXXX XXXXXXXX since the purchase of our home in XXXX. On XX/XX/XXXX we applied and presented a 185 page document through XXXX in hopes of XXXX helping us to get a loan modification through XXXX XXXX XXXXXXXX. The very next day after XXXX uploaded the file into XXXX XXXX XXXXXXXX 's Portal. I, XXXX XXXX got a call that our loan was sold to Bay View Loan Servicing. I was devasated as XXXX XXXX XXXXXXXX knew just like XXXX XXXX XXXX that I was working diligently to sell our home while also fighting for a chance to keep it. I told both Banks I would sell to get them there money but we needed to be treated equally as fair. We have over a {$100000.00} of equity in our home. Our only retirement money. We are XXXX and XXXX. We are fighting for our rights as a consumer to keep or home or at least be able to sell for market value in this Seller 's market. The banks are refusing to allow us through this year to sell. Both banks are guilty now of not treating us fairly as homeowners. XX/XX/XXXX. I received a letter from Bay View Loan Servicing a package to fill out for a loan modification. I contacted Bay View Loan Service Asset Management Department to tell them that I wanted the loan modification and that I had just applied through XXXX for a loan modification with XXXX. I was informed by a agent in this department that they will not grant us a loan modification because we are scheduled for foreclosure by XXXX XXXX XXXX/ ingiated by XXXX XXXX ( Asset Manager at XXXX XXXX XXXX in XXXX XXXXXXXX, XXXX . We would never have had to experience the trauma of losing our home we built and our family suffer such igonizing pain over these last two years. We are good homeowners who take pride in our home and land. We have worked extremely hard to get where we are and to keep what is rightfully ours to keep. Both banks should have been willing to work with us and made a effort to make our home affordable on a smaller income. We paid our payments. Many folks walked away through the market crash. We did not through the market crash, my XXXXXXXX XXXX and treatments and my husband XXXX all this happen, the market crash XXXX, my XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, my XXXX six month treatments in the new XXXX XXXX. We just need our banks to work with us, we feel our rights have been violated as a consumer. To the banks we mean nothing as human beings and homeowners. You can review our previous complaints, emails and documentation in the CFPB file. The CFPB referred our complaint to the Federal Reserve. I took the house back off the market when I filed for a loan modification with XXXX, XXXX XXXX through XXXX. We have no chance of getting anywhere close to fair market value or even what we owed to pay both banks when our home is being advertised by Attorney XXXX XXXX and XXXXXXXX XXXX XXXX with starting bids as low as {$170000.00} on XXXX a month ago, XXXX XXXX and XXXX {$200000.00} and now a bid of {$220000.00}. XXXX has also showed the value of our home over {$430000.00}. We still stay in our home partime until this is resolved. Our lights and AC remain on. Respectfully, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC. XXXX Direct : XXXX H Office : XXXX Office : XXXX XXXX : XXXX Email : XXXX Website : XXXX Selling The XXXX - XXXX Strand of XXXX XXXX, XXXX. Respectfully, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Website : XXXX Email : XXXX Direct : XXXX Office : XXXX efax : XXXX XXXX Selling The XXXX XXXX XXXX XXXXXXXX XXXX This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. Please note that any views or opinions presented in this email are solely those of the author and do not necessarily represent those of the company. Finally, the recipient should check this email and any attachments for the presence of viruses. XXXX XXXX accepts no liability for any damage caused by any virus transmitted by this email.
09/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32832
 Web Older American
Hi I need to change my insurace co. Please, email me the necessary documents so I can have insurance with XXXX. That insurance does not pay. My house is destroeyed, and nobody care. Bayview bought the mortgage from XXXX XXXX XXXX XXXX but they want from me XXXX dollars, how can I pay such amount, the apprise of the house is XXXX SirAbout 7 months ago my house in XXXX XXXX XXXX XXXX, XXXX, Florida XXXX was invaded by people, they put 10 dogs in the house and misused my house and trespassed my house. I called Sheriff a deputy came and said, they invaded your house, but they were not at house at that time and only the dogs were there, and he said I have to call animal rescue and they can move the dogs. I called them, but they did not come. They said sheriff should first send the people and then they can come and take the dogs, I waited there until the people came, I called sheriff and some deputies came, but the people said they rented the house and the deputies did not ask them for documents and only the words were documents and the deputies have gone, now they were encourage to destroy the house as they thought sheriff can not send them out. I went to the court and the court people told me, as they invaded the house and tress passed the house the sheriff should send them out, again I called sheriff and the deputies came and this time they said, the court should give us permission to send them out. And they told me I have to go to the court again. The game between sheriff and court took months until, my previous tenant hired an attorney and he guide or forced the sheriff to send them out. But they destroyed the house with their 10 dogs, now it is over 3 months that they have gone and the sheriff do not send the paperwork to the state attorney. The contractor estimates they damaged the house over 150,000 dollars and I have to pay this money. It is over three months that insurance company play a game and do not pay. The contractor said that they have enough documents to start the work, and the Bayview people do not contact the contractor to listen to their explanation. Because their house is not destroyed and they do not suffer, and do not take any serious action, sheriff house is not invaded and destroyed so they do not take any fast and serious action too, it is fine for them, I have to pay and am responsible to pay on time and if I do not I have to pay fine and late fee, but the system does not care that my house is destroyed by people and invaders and the 10 dogs damaged doors, floor and electric system in the house. It is fine and I have to pay? How can I pay, I worked 45 years as a XXXX and XXXX XXXX XXXX and with my small retirement money how can I pay all these costs? I can not print money and pay? How can I pay in the time that my house is invaded and destroyed by people and their dogs? Imagine if your house were invaded by people and their 10 dogs and you could not go there for 7 months and you could not live there for more than 7 months, which condition you were in, is it fine? I have a lot of paperwork from insurance, but they do not pay any money, how can I repair all these water damage, and other damages? Here is the letter I wrote to the Bay view, they kept the check from the insurance company and want some documents from contractor, and contractor says that he has enough paperwork and documents to work. And Bay view do not contact the contractor even I gave them the telephone number, the problem is that all of them are fine, I am the only one who his house is invaded and destroyed and for them it is fine? Dear Bay view company It is over 3 months that we are plying the game of insurance. My house is destroyed and totally damaged and I am busy with paperwork. The contractor said yesterday that he has license for repairing and remodeling and not for building a house from foundation and my house need to be repaired from the invading people and damaging operated by 10 dogs and water damages, I do not want to build a new house. I asked them to explain for you the situation and I hope that the game will be finished. I am the only one who his house is destroyed and damaged and must suffer, I am responsible to pay one time and if I dont, I have to pay late fee and extra interest, but the other side play with my time and energy, because the contractor said, what he had insurance and license is enough for repairing and you did not call him and speak with him, I gave his telephone number and asked you to call him, because if he call, he can not speak with you as a lot of robot are between you and him. Please, do something, imagine if your house was destroyed by invasion of people and 10 dogs and damaged totally by them and water and you were after paperwork for over 3 months, what would you feel? I pay taxes and insurance but as my house was invaded by dogs and people, I have to pay attorney to force the sheriff to do their job. Because, sheriff house was not invaded and destroyed. It was fine for them as my house was invaded and destroyed? I hope the game will be finished soon. Please, call the contractor his number is XXXX and his name is XXXX. The other matter I want to change my insurance company to state farm, please send me the paperwork so that I can change the insurance company. Please have in mind that I am the only one who his house is destroyed and suffering, the rest people are fine. And I am the person who should pay mortgage and taxes and insurance on time, if not will be fined and have to pay more. Yours XXXX XXXX________________________________________
10/01/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08234
 Web
I started receiving threatening phone calls from XXXX XXXX XXXX ( a debt collector ). They received my file XX/XX/XXXX and stated that I signed contracts in XXXX and that I owed them {$32000.00}. They have proceeded to leave messages on my answering machine and cell phone threatening to file a judgement against me and that this is only one of the judgments to be filed against me. In response to the phone calls, I contacted XXXX XXXX, my PMI carrier, and told them that I had a collection company after me for this debt. They told me Bayview Loan Servicing had been making my premium payments and that XXXX XXXX XXXX was my investor and that my PMI premiums went from {$240.00} a month to {$73.00} a month. When I asked why they had changed, they stated that after having a mortgage for 10 years the premium goes down to .02 % of the original loan amount, which is {$440000.00}. I mentioned the loan was discharged in Chapter XXXX on XXXX of XXXX and that this was not the contract that I had with them. In my contract, premiums would stop when I met 80 % of the Loan to Value or on XX/XX/XXXX, based on the amortization schedule. The PMI notice sent to me is also included, as is the amortization schedule and letter from XXXX. I also mentioned that under XXXX 's new guidelines for paying out claims, the agreement between the lender and XXXX would have been rescinded, because of the Chapter XXXX bankruptcy and loan default ( CFPB has taken action against XXXX. Chapter XXXX letter of discharge included ). Called on XX/XX/XXXX, XXXX XXXX., and spoke with XXXX. She told me the investor is XXXX XXXX XXXX and gave me their number ( XXXX ). Called XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX., and spoke with XXXX. He told the note and the mortgage was sold on XX/XX/XXXX to XXXX XXXX XXXX ( RCS ) for XXXX and that he would send me a letter of the transfer ( included ). Called XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX., and spoke with XXXX. He told me that the note and loan was sold to XXXX on XX/XX/XXXX. Called XXXX on XX/XX/XXXX and spoke with XXXX. She told me the premium drops after 10 years. Called XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX., and spoke with?. Was told letter of transfer was sent out. Called XXXX on XX/XX/XXXX, XXXX p.m., and spoke with XXXX. I told him about previous calls to them concerning the debt collector, my Chapter XXXX and that XXXX XXXX XXXX sold the note and mortgage on XX/XX/XXXX. I was put on hold, and then he stated that XXXX was paying the premiums and that I should contact Bayview Loan Servicing and tell them about my situation. Called XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX., and spoke with XXXX. He gave me what he said that he had on file. The date of the mortgage ( XX/XX/XXXX ), the investor XXXX Bank XXXX New York, # XXXX ), Bank XXXX New York XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Called XXXX on XX/XX/XXXX, XXXX p.m., and spoke with XXXX XXXX. Was told that XXXX XXXX XXXX out of Florida was my servicer. Called XXXX Loan Serving on XX/XX/XXXX, XXXX XXXX, and spoke with XXXX XXXX said that the investor was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, trustee for the certificate holders of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Pass Through Certificates, XXXX XXXX XXXX. I told her that XXXX XXXX XXXX is no longer registered with the Security Exchange Commission ( SEC ) and that XXXX XXXX XXXX was longer registered in the State of Delaware. Transferred to XXXX XXXX ( manager ). She told me that she was looking up the assignment of mortgage and that the report was 30 pages long and I was put on hold. She told that Bank XXXX New York XXXX, XXXX, XXXX XXXX XXXX purchased back loans out of the pool of mortgages in the Trust. I told her that XXXX XXXX XXXX said that they do not own the note or mortgage. She said that she needed to do more research and that she would call me back. XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX p.m., and spoke with XXXX. I told him that I spoke with XXXX Loan Servicing and they said that XXXX XXXX XXXX had purchased back loans that were pooled into XXXX XXXX. Alternative Loan Trust XXXX, Mortgage Pass Through Certificates, Series XXXX. He said that he was pulling the Collateral Management File, and that he could send it out to me XX/XX/XXXX. My Foreclosure date is XX/XX/XXXX, After I gave him authorization, he said he would XXXX me the file on XX/XX/XXXX. He also said that if XXXX XXXX Servicing was the servicer to my mortgage, they would have a Custodian of Asset Trading Agreement from the investor. Servicers need a contractual agreement. Called XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, and spoke XXXX XXXX. I ask to speak to XXXX XXXX. She said that she was busy and told me she could read me what was put in by XXXX. She told that XXXX XXXX XXXX XXXX packaged a large group of loans into a Trust, with XXXX XXXX XXXX XXXX, AKA, XXXX XXXX XXXX, and that investors now hold shares in trust CWALT XXXX. I mentioned about getting a copy of the XXXX XXXX XXXX XXXX. Not knowing the exact name of the contract, I said that I needed a copy of the contract between Bayview Loan Serving and the investor that authorized them to service the loan and that I would like to have it immediately. She said that XXXX XXXX would call me back in an hour. Still have not heard back from them.
03/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 33029
 Web
The below information explains in further detail of what was requested of ( Bayview Loan Servicing , LLC ) in the previous complaint that was not remotely or respectively answered. Amongst many other questions that should have been answered and Corrections that should ( should have ) been made. See CFPB # XXXX. In XXXX while originating our loan application, you, Bayview Loan Servicing , LLC Circumvented the Florida Law reference A Borrower and A Married Borrower in the State of Florida. Which forms a [ Tenancy by the Entireties ] which treats the husband and wife as a unit. In the State of Florida, any Real Property or Personal Property held by husband and wife as ( tenants by the entireties ) belongs to neither spouse individually, but rather each spouse owns the whole property. And both signatures are required for any change in document terms ( i.e. Loan Modification Agreements ). You ( Bayview Loan Servicing ) made my husband ( the Sole loan borrower ) on the loan application of your own volition, instead of the both of us on the application form. Which there should not have been any reason we couldnt qualify together. But even so, because we are a married unit, the Florida Law did not call for your company to dictate Spousal Rights ( in favor of my husband ) over our Real Property. ( i.e. telling me I need permission to discuss my real property with you ( Bayview ) or/and ( XXXX XXXX XXXX XXXX ) or any other entity ( i.e. CFPB ). It was Reckless, and Manipulative to further circumvent the Florida Law to create your own rules to [ exploit Rights of Power to discuss any business regarding our real property to my husband ] and simultaneously created a wall shielding the Spousal ( WIFE ) from being able to ( Call Your Servicing Company/ XXXX XXXX XXXX XXXX- mortgage/servicing ) to discuss any business matters in reference to our investment property. That was, and still is a Reckless, Destructive Act that could cause Severe Problems regarding property asset distribution between a Husband and Wife in this State. But ultimately, you ( Bayview Loan Servicing , LLC ) broke the Florida Law regarding Spousal Property Ownership by ( thru loan years ) have continuously invalidated my position as a ( titled married owner of our Real Property ). RESPONSE TO BAYVIEW LOAN SERVICING STATMENT # 1 Answer Per you ( Bayview Loans Servicing, LLC ) Tout of me being unauthorized to receive/request information reference my own property. You ( Bayview Loan Servicing , LLC ) broke the Florida Law between Married Property Owners. As stated in the above paragraphs, it is Destructive and Reckless for you, Bayview Loan Servicing , LLC ) to have Circumvented the Florida Law ( during the application process ) to benefit your application needs. The decision regarding the form of ownership of an asset is Critically Important, especially in the State of Florida. So this Act of exploiting Sole Rights of Power to my Husband [ in the State of Florida ] can cause extreme detriment in regards to spousal laws relating to real property, etc. # 2 Answer In reference to ( Bayview Loan Servicing ) stating they transferred our loan to ( XXXX XXXX XXXX XXXX ). The main area of this complaint surrounds the ( Modification Agreement ) Originated by you ( Bayview Loan Servicing , LLC ) in XXXX for processing a contract agreement consisting of [ One married partys signature [ my husband ] and did not contain the ( other married Partys signature ) the ( spousal wife ), which makes the Modification Agreement unenforceable. ( Invalid ). There were changes made to the existing contract by extending the terms of the Maturity Date to ( XX/XX/XXXX ). I the ( other owner/spouse ) did not agree to these terms ( neither was my signature on the Modification Agreement ). I am requesting the [ Maturity Date is Corrected ) according to the Original Promissory Note to ( XX/XX/XXXX ). Also, there is a ( XXXX letter from XXXX XXXX XXXX XXXX attached ) that states from XXXX XXXX XXXX that they were servicing our Loan ( at that time ) on behalf of Bayview of Loan Servicing, [ WHO IS ACTUALLY THE MASTER SERVICER ]. ( see attached letter ) Note/Attachments : A letter from XXXX XXXX XXXX XXXX is attached regarding authorization of ( the spousal wife ) discussing our Investment Real Property. Which is against Florida Law for ( Bayview Loan Servicing , LLC ) to exercise and expedite those Financial Rules, and to other Mortgage Companies/Servicers, etc. that Bayview conducts business with. Also, a copy of the ( Invalid Modification Loan Agreement ( with the signature of one Party ). Which I also sent with previous complaint to Bayview. There is approximately ( 5 ) already other uploaded documents regarding this complaint under CFPB # XXXX. Affiliated Companies/Financial Institutions : Bayview Loan Servicing , LLC Customer Support Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX https : //www.bayviewloanservicing.com/contact-us/ Loan Owner : XXXX XXXX XXXX XXXX XXXX as Trustee Bayview Commercial Asset Trust 2005-3 MBS Administration XXXX XXXX XXXX , XXXX XXXX XXXX , NY XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX https : XXXX
12/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 754XX
 Web Older American
XX/XX/XXXX : My Mortgage Loan with XXXX XXXX was sold to Bayview Loan Servicing when I became delinquent 60 days due to a significant increase in Property Taxes when State ( TX ) disallowed several exemptions beginning with XXXX Property Taxes.. The required payment increased from {$1100.00} to {$1600.00}. XX/XX/XXXX : During the transition of my loan, I had already sent {$1200.00} to XXXX XXXX which became lost in the shuffle of the transition of my loan to Bayview. By the time this payment was recorded by Bayview, they had already recorded/reported my loan to XXXX, XXXX and XXXX as being 90 days past due. During this time, I did reapply for the exemptions that I had " lost '' plus submitted an application for a new exemption program. All these exemptions were approved ( XXXX XXXX XXXX XXXX TX ). The loss of the exemptions also impacted my Homeowner 's Insurance. With the reinstatement of the exemptions? The monthly required payments should have been re-evaluated. I did and do understand there was an Escrow shortage caused by the XXXX taxes. I began receiving statements from Bayview ( in fact, I received three statements for XX/XX/XXXX all that had different balances ) that continued to include a required payment that included an Escrow requirement based on my XXXX Property Taxes. XX/XX/XXXX/XX/XX/XXXX : I began to reach out to Bayview regarding XXXX problems '' with how my payments were being calculated and to determine how to proceed or what actions I needed to take to recalculate my monthly payments and the possibility of paying a lump sum to bring my Escrow balance to a " current '' status. During this time? Bayview Loan Servicing 's name changed to Community Loan Servicing. Although their name includes " Loan Servicing '' phone calls to them made it very clear they are/were a debt collection company. XXXX XXXX XX/XX/XXXX : I continued to make payments that were considered partial due to the required payment totals. I was not able to reach an agreement that they ( Community Loan Servicing ) would recalculate my monthly required payment to reflect the corrected Property Tax & Insurance amounts due. In the hope that I would qualify for some of the " special '' programs being offered by other lenders and that reflected the current available interest rates, I submitted a refi request to XXXX XXXX. My current Interest rate is 7.25 % and I HOPED to find an option that would reduce my Mortgage payments. In the process of pursuing a refi, I was advised that the Credit Bureaus reports showed I had not made ANY Mortgage payments since my loan was transferred to Bayview/Community Loan Servicing . At one point, one of the bureaus had received data that showed me as being 180 days late. I contacted Community Loan Servicing several times about their lack of reporting accurate or complete information to the Credit Bureaus. XX/XX/XXXX : I received correspondence from Community Loan Servicing re : the " opportunity '' for a Modified Loan Agreement and there would be a 90 Day Trial period of payments of {$940.00}. I began making payments of this amount and always by the required date. When the trial period ended, I received documents for a Modified Loan Agreement. Due to the weather/road conditions in Texas, I was not able to have an Attorney review the documents. I did sign the provided documents and returned them in the XXXX envelope they provided. This was supposed to be effective XX/XX/XXXX. I also provided official documents that verified my Husband 's Death and the status of his Estate and other information that verified my identity. XX/XX/XXXX : I received correspondence from Community Loan Servicing and the previously executed documents had been prepared incorrectly and/or I should not have signed for my Husband in the documents as the Executor of his Estate. I re-signed the XXXX and returned the signed documents to them. I continued to make the payments required as indicated in the XXXX either by a Phone payment or their website. Currently? The payments I made based on the FIRST XXXX and in a timely fashion are not considered but instead Community Loan Servicing has reported that I was 120 Days late in XX/XX/XXXX. They have also added a comment to my Loan 's Status of being Current at this time but at one time I was 180 days late. The information submitted to the Credit Bureaus for XXXX XXXX XXXX indicates by omission that I have not made ANY Mortgage payments during that time period. The status indicates that the data for these payments in not available. NONE of the payments made during this time are indicated. I do understand that they were " rolling '' my payments into a Surplus account BUT when the surplus account had reached a balance to make what they considered a full payment there is nothing reported to reflect those payments. Over the last year, I have filed multiple complaints with the XXXX. I am aware that there have been numerous complaints re : Bayview and Community Loan Servicing and their Loan " Services ''. I am concerned that they, as a debt collection company, do not have to adhere to the same FCRA reporting requirements as a Mortgage Provider or a traditional bank
08/31/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30016
 Web Servicemember
To Whom It May Concern : My complaint is about my mortgage loan servicing provider ( Community Loan Servicing - Loan Number : XXXX - Customer Advocate Department Case Number : # XXXX ). I contacted Community Loan Servicing in XXXX & XXXX of XXXX via phone contact & informed the representative that I need to have my home property taxes amended due to the fact that I am now exempt from having to pay property taxes on my property. I informed Community Loan Servicing that the documentation proving this claim has already been summited, processed & approved by my county tax accessors office ( XXXX County Georgia ). I was put on hold & the customer advocate came back to inform me that they reached out to there tax department & confirmed that they do see that there has been an exempt status placed on my property. I was then informed that they will perform a escrow analysis in XX/XX/ to update my account. I then informed the customer advocate that this is not right that I have to continue to pay taxes on my property & have to wait until XX/XX/2021 for a new escrow analysis. I informed the advocate that you just confirmed the update change to my property & will not take action until XX/XX/. I was informed that's how there system works. Fast forward to the present, I received my bill for the XXXX payment & no update exempt modification was not made to by monthly bill & the XXXX bill still reflects me having to pay property tax on my property. I contacted Community Loan Servicing on XX/XX/ & spoke to a customer advocate ( XXXX ) about what has taken place & that this needs to resolved ASAP. I was informed by XXXX that she did see the notes in the system from the previous advocate I spoke to in XX/XX/ & that they are scheduled to run the new escrow analysis on XX/XX/. I informed XXXX that this is not right & that I should not have to continue paying property taxes on my property & that this information I am providing you with has already been confirmed back in XXXX & XXXX of XXXX when I brought this to Community Loan Servicing attention. XXXX informed me that she was placing an escalation on this matter & that someone will be contacting me in the next two weeks about this matter & provided me a case number : ( # XXXX ). I received a letter from Community Loan Servicing dated XXXX XXXX XXXX informing me that they will no longer be my mortgage loan servicing provider effective XX/XX/ & that my new loan servicing provider will be XXXX XXXX XXXX. I contacted Community Loan Servicing customer advocate department on the morning of XX/XX/ & spoke to XXXX & informed her that I need an update on my case : ( # XXXX ). I was informed by XXXX that they are still working on my case & that they will contact me when they are finished. I informed XXXX this is unacceptable & that I received the letter from Community Loan Servicing informing me that they will no longer be my loan service provider effective XXXX Also that Community Loan Servicing dropped the ball on this matter & that my case needs to resolved before my account moves to a new loan service provider. I also informed XXXX that I should not have been paying taxes on my property in the first place due to I informed Community Loan Servicing about the change in XXXX & XXXX of XXXX. XXXX tried contacting XXXX being that she was the last advocate I spoke to & informed me that an advocate by the name of XXXX is working on my case & that they have notated my account on XXXX XXXX XXXX that they contacted the tax accessors department & should have a response in a few days & that they will contact me once completed. I informed XXXX this is totally unacceptable & that I contacted Community Loan Servicing on XX/XX/ about this & that you are just contacting the tax accessors office on XXXX XXXX. I informed XXXX that this totally unacceptable & they are dragging their feet on this matter. I also informed XXXX that Community Loan Servicing dropped the ball on this matter & that my case should have been resolved when I brought this to Community Loan Servicing attention back in XXXX & XX/XX/2021. I informed XXXX that this is out right extortion & that Community Loan Servicing was & is being paid interest on my tax payments being made. XXXX informed me that she placed another escalation on my case & that my case should be resolved by XX/XX/. I informed XXXX I am not confident that my case will be resolved by XX/XX/ & that I want my full refund for the monies I have already paid out this year on taxes I should have not been paying in the first place. I am notifying the CFPB about these fraudulent & deceptive practices of Community Loan Servicing. I am being extorted to continue paying taxes & that when I call them out on this they now want to have me switch loan servicing companies because they dropped the ball on this matter. I am an XXXX veteran & money is already tight. I am requesting this matter be resolved in five business days with my exemption in place & my full refund of the taxes I have already paid Community Loan Servicing. The monthly taxes being paid to Community Loan Servicing is : {$420.00} XXXX XXXX
05/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27278
 Web
On XXXX, it came to my attention via an email from my employer that my wages were being garnished for unpaid XXXX property taxes resulting in a tax lien being placed on a property I own but do not live at, my ex-husband does. Upon learning of this garnishment, I reached out to my ex-husband who stated that when Bayview Loan Servicing acquired the mortgage in XX/XX/XXXX from XXXX XXXX, the property taxes were not yet paid. He stated that he too learned that they were not paid and contacted Bayview Loan Servicing on XXXX. The representative he spoke with assured him that the payment would be sent immediately. But when I contacted Bayview Loan Servicing myself on XXXX, the property tax payment had not been sent. The individual I spoke to assured me that he would expedite the process to get the property tax payment sent and the timeline I was given was that within 24-48 hours, it would be sent via XXXX next-day delivery. I never received the follow-up call I was promised, it was up to me to follow-up. The property tax payment was delivered to the county tax office on XXXX, the same day as my garnishment check. I had no idea that when I received the email notification from my employer on XXXX that my wages were garnished for the first time on XXXX. Because I have been in contact with the county tax office, they were looking for my garnishment check and would process a refund for it. Fast forward-prior to Bayview Loan Servicing calling the county tax office to inquire on the current balance, a payroll garnishment check was received by the county tax office and applied to the outstanding balance. The balance due when Bayview Loan Servicing inquired was not the original tax bill amount. To illustrate : {$4500.00} XXXX Tax Due ( Late after XXXX ) + {$60.00} Garnishment Fee + {$5.00} Advertising Fee ( To advertise the lien in the paper ) - {$360.00} Garnishment Check Applied = {$4400.00} XXXX XXXX XXXX Payment Ever since XXXX, I have contacted Bayview Loan Servicing via phone and email 10+ times. My request of them is to send me a check for {$360.00}, the amount of my payroll garnishment that was applied to the outstanding balance. Had they paid the property taxes by the due date, my wages would have not gotten garnished and they would have paid {$4500.00}. I DO NOT get a return call, a return email and when I call, I have to go through the issue all over again and it's usually with the same person. I am not getting anywhere with this company. To add insult to injury, in XX/XX/XXXX, XXXX XXXX XXXX sent an escrow overage check in the amount of {$270.00} to the property address made out to myself and my ex-husband. That check was negotiated on XXXX without my knowledge nor endorsement. Here is a restatement of the facts : - XXXX XXXX did not pay the XXXX property tax bill from the escrow account prior to selling the loan to XXXX Loan Servicing ; - XXXX XXXX XXXX did not pay the XXXX property tax bill from the escrow account prior to the due date ; - XXXX XXXX XXXX sent an escrow overage in XX/XX/XXXX to the property address in the amount of {$270.00} made out to myself and my ex-husband ; - Said check was negotiated on XXXX without my knowledge or signature ; - XX/XX/XXXX, XXXX property tax bill is now considered past due ; - XXXX or XX/XX/XXXX, notice of lien is published in local paper ; - XXXX, garnishment payment is taken from my paycheck ; - XXXX? XXXX, first garnishment of {$360.00} is credited to the balance, - XXXX, became aware of the garnishment and second garnishment payment is taken from my paycheck ; - XXXX, began my research with the county tax office and Bayview Loan Servicing ; - XXXX, Bayview Loan Servicing sends check to tax office ; - XX/XX/XXXX , county tax office receives check from Bayview Loan Servicing ( {$4400.00} ) and from my employer ( {$360.00} ) ; - XXXX, {$4400.00} is credit to the balance bringing it to XXXX and submits a request for a refund in the amount of {$360.00} to be sent it to me ; - XXXX, I received my second garnishment refund in the amount of {$360.00} from the county tax office ; - XXXX , county tax office receives third garnishment from my employer and submits a request for a refund in the amount of {$360.00} to be sent it to me ; - To date, I have not received a refund from Bayview Loan Servicing for the {$360.00} my first garnishment paid towards the XXXX property tax bill ; - To date, I have not received a response from Bayview Loan Servicing inquiring on the status ; - To date, I am out of pocket {$720.00} ( {$360.00} which will be refunded to me from the county tax office and {$360.00} which Bayview Loan Servicing owes me back ). All I am seeking is the {$360.00} back even though my name and address what listed for all to see when the country placed a tax lien on the property. That is sheer embarrassment. And was avoidable. I have been in banking for almost 20 years, and most of that in risk management. I'd be interested to see what controls were in place to mitigate this type of risk which is reputational for sure. Thank you for your time and please let me know what I can provide for documents.
09/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 077XX
 Web
I am a XXXX senior citizen on a fixed income. I am current on my mortgage and have been since XX/XX/XXXX when I obtained a permanent loan modification from Bayview Loan Servicing ( Bayview ). Prior to my loan modification in XXXX I had force placed homeowners and flood insurance policies. I purchased my own homeowners insurance policy in XX/XX/XXXX and that policy has remained on my home since that time. I purchased my own flood insurance policy in XX/XX/XXXX and that policy has remained on my home since that time. I have not missed any mortgage payments since my loan was modified in XXXX. Around XX/XX/XXXX, servicing of my loan transferred from Bayview to XXXX XXXX XXXX ( XXXX ). I never received a written notice that servicing was transferring from Bayview or XXXX. I found out about the change when I went to make my payment to Bayview and was told to make the payment to XXXX, which I did. In XX/XX/XXXX, XXXX sent me an escrow analysis that showed a shortage of {$4700.00}, which would cause my monthly mortgage payments to jump from {$1200.00} to {$1600.00} starting XX/XX/XXXX. Because I had always paid my mortgage payments in full every month this could not be correct. When I called Bayview about this issue, I was told that because servicing had transferred to XXXX, Bayview could no longer update my account and all errors had to be fixed by XXXX. When I called BOA to address this issue I was advised that BOA could not fix the errors of a prior servicer and to contact Bayview. Eventually I was able to get a loan history from Bayview which showed charges for my chosen flood and homeowners insurance policies plus 14 charges marked as Flood Insurance Disbursement or Misc. Insurance Charge from XX/XX/XXXX through XX/XX/XXXX. These additional charges totaled {$3700.00} and appear to be charges for force placed insurance during times I was covered by my own insurance policies. On XX/XX/XXXX I sent a Notice of Error to XXXX XXXX XXXX and to Bayview. I attached proof of my insurance coverage and attached the loan history showing the force placed charges to both Notices of Error. The unlawful charges were even highlighted in my Notices of Error. I asked XXXX XXXX XXXX to remove those charges and do a new escrow analysis. I asked Bayview to remove those charges from the loan account history and to send those updates to XXXX. In a letter dated XX/XX/XXXX Bayview responded to my Notice of Error. Bayview stated A review of the account reflects that there was a lapse in hazard coverage from XX/XX/XXXX to XX/XX/XXXX for which we are not in receipt of proof of insurance. As such, the LPI assessed to the account for the foregoing time period is valid. In regards to the flood insurance, the LPI assessed to the account was canceled effective XX/XX/XXXX, as there was no longer an insufficiency with the coverage provided by the preferred lender policy. Per the preferred lender policy indicating coverage as being from XX/XX/XXXX to XX/XX/XXXX, will remain as we are not in receipt of proof of coverage for this time period. Please allow up to thirty ( 30 ) days from the date of this letter for the account to be updated accordingly. This response was vague and confusing. Bayviews response requested thirty days to update the account, but did not say exactly which charges, if any, it would remove from my account. My XXXX loan modification with Bayview states : Borrower agrees that the unpaid principal balance due on the Note of {$130000.00}, shall be increased by {$140000.00} the amount of the unpaid installments, interest, late charges, fees and costs, and if applicable any advances for unpaid property taxes and/or insurance premiums. ( emphasis added ). Thus, Bayview was required by the loan modification to include the previous insurance advances in the principal balance of the loan. If Bayview failed to do so it violated the terms of my modification. If Bayview did include the advances as required by the loan modification, then it is charging me twice for periods in which I did not have coverage. To the extent Bayviews response agreed that those charges were inappropriate because I had my own policy during those times, it did not correct that issue within 30 days. To date, neither XXXX nor Bayview has credited my account for the force placed charges from XX/XX/XXXX through XX/XX/XXXX when I was covered by my policy. My payment shot up in XX/XX/XXXX as a result of the false escrow shortage. I have continued to stay current on these unlawfully inflated mortgage payments because I am terrified of ending up in foreclosure. These unlawful charges have caused me a great deal of financial and emotion strain. By charging my account for force-placed insurance for periods when I had my own insurance Bayview violated RESPA, 12 C.F.R. 1024.37 ( b ). Bayview also violated RESPA by failing to correct this error within 30 business days of being notified of it. Attached hereto please find the XX/XX/XXXX Notice of Error I sent to Bayview, Bayviews response thereto dated XX/XX/XXXX, and my XX/XX/XXXX loan modification.
08/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22193
 Web Older American, Servicemember
The Loan Modificationl agreement showed a Deferred Principal Balance {$37000.00} no interest applied, payment due when house is sold ), Interest Bearing Balance {$320000.00} ). I was paying my mortgage through this Variable Interest Loan Modification Program ( see insert from agreement attachment A ). With the final increase in interest 4.75 % and Bayview applied the full annual tax charges which ncreased my monthly mortgage an additional {$380.00} which put me right back where I was prior to loan modification and I could not afford to pay my mortgage due to existing illness. My last payment to Bayview ( XX/XX/XXXX ) in the amount {$1400.00} ( see bank statement attachment B ). Because of recent XXXX, XXXX XXXX XXXX. At present my current income is around ( $ 300-600 ) in my home base business ( sell stuff on the internet ), plus social security ( {$1700.00} ). I know I need to increase my home base business to at least {$3000.00} per month plus social security. Lender interest year ( s ) Year XXXX XXXX XXXX ( XXXX ) 2 % 1-3 years XX/XX/XXXX XX/XX/XXXX 3 % 1 Year XX/XX/XXXX 4 % 1 Year XX/XX/XXXX 4.75 % Thereafter XX/XX/XXXX I also qualified since XX/XX/XXXX within my County, ( XXXX XXXX, Virginia ) for a Senior Property Relief Program ( see Tax Relief Document ( see Attachment C ) due to my age and income. XXXX recognized my annual waiver regarding XXXX XXXX County Property Taxes and adjusted my mortgage to reflect that. XXXX did its final escrow review approximately XX/XX/XXXX and my mortgage payment for XX/XX/XXXX was {$1200.00} ( see attachment D1-3 ). My mortgage was sold to : XXXX XXXX XXXX XXXX XXXX Service By : Bay view Loan Servicing, LLC Loan Number : XXXX Sold Date : XX/XX/XXXX Bayview did an Escrow Analysis on my account and increase my monthly mortgage payment from {$1200.00} {$1600.00} which was an increase of {$380.00} ( remember Im already under a loan modification program ). Their erroneous calculations caused me to fall behind on my mortgage per Bayviews calculations. When I made Bayview aware that I was in a Tax Relief Program and that I did not pay full annual taxes on my property, they refused to acknowledge the tax relief program and have left my mortgage payment {$1600.00} which they state is my current mortgage payment. They had done this for over a year and a half. I have had two law firms XXXX XXXX of XXXX, VA ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX XXXX, XXXX XXXX, CA to negotiate on my behalf for a loan modification yet Bayview will not roll-back my taxes from {$4200.00} - {$38.00}. I was advised by XXXX to not pay my mortgage while they were negotiating my case with Bayview. Bayview was adding various charges to my escrow account stating that my escrow was short and they applied corporate money to the account and charged me various fees throughout the process. Again just to recap, attached you will find the first escrow analysis dated XX/XX/XXXX ( see attachment E ), another statement dated XX/XX/XXXX showing the {$1600.00} mortgage payment including a fee ( see attachment F1-2 ), another escrow analysis dated XX/XX/XXXX where they did roll back the mortgage but the damage is done because of all the pass errors in my escrow and added fees ( see attachment G ) Finally, after reviewing all the responses, I think all the agencies I contacted, ( Attorney General Office, copy of response on files, and Consumer Financial Protection Bureau, CFPB, case # XXXX copy of response on files ). The law firms, XXXX XXXX ( as a membership ), and XXXX who Law charged me {$3700.00}, in an attempt to get my mortgage reduced ( see attachment H1-2 ) have all failed, by not really reviewing in detail or requesting information of escrow documentation, payment history and additional fees. All parties only took into consideration what Bayview states in their response to all the inquires. I have shown what my interest rates were over the life of the loan modification agreement, I have been in the tax relief program since XX/XX/XXXX XX/XX/XXXX, my annual property tax bill is {$38.00}, my homeowners insurance has grown too no more than {$1200.00} per year. After the recent failure of XXXX XXXX XXXX was unable to get my mortgage reduced, I received a mortgage statement from Bayview showing my mortgage amount is still {$1600.00}. The attorney executing the foreclosure ( schedule XX/XX/XXXX, see attachment I ) send me a letter showing the total debt as per Bayview is {$340000.00} ( see attachment J ), because of interest, late charges, and other fees. You need to ask for payments and escrow history since they purchase the mortgage in XX/XX/XXXX XX/XX/XXXX. I also wanted to show you my mortgage payment history from my bank account from the time Bayview/XXXX XXXX purchased my mortgage till now. ( see attachment K ). I am hoping you will take a deeper look at my situation, I will be XXXX years of age in XX/XX/XXXX, Ive been in my home for 18 years. Yes Ive make some mistakes but Im just not going out like this. Please take another look, thank you for your anticipated assistant in this matter.
03/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85024
 Web
This is XXXX XXXX. I have ben writing to you since Bayview Loan Servicing , LLC sent me a letter on XX/XX/XXXX saying I owed them XXXX or they were removing me from my vacation of Stay. It was then that I started writing every agency in the US and our leaders and institutions to let you all know that I was terribly taken advantage of by a fraudulent mortgage servicing company. I contiunued to write you as I contined to try to show someone with evidence that Bayview was trying to steal my home. Well, no one really cared and bc I'm considered poverty I did not have enough money to get someone to represent me or fight for me and get the criminals put out of business and put in jail bc they are doing this all over American and I BELIEVE THE TOP DAWGS or Wallstreet XXXX KNOWS ALL ABOUT WHATS TAKING PLACE. As I was becoming aware of all the corruption taking place, I still tried to fight to save my home of 14 years that I worked very hard and was doing the right things a homeowner does the HONEST way, so I thought that someone was going to hlep me and not allow what took place onXX/XX/XXXX. On XX/XX/XXXX I decided to walk into federal court in XXXX Arizona pro sec ( File # XXXX ) -and put a claim against Bayview Loan Servicing , LLC for fraud/illegal foreclosure ( again bc NO ONE would represent me ) and I thought or had hope that finally I was going to be able to show a jury with evidence that this was indeed what is happening as before Bayview bought my note, I WAS NEVER LATE and had a positive escrow of XXXX OnXX/XX/XXXX, the Judge XXXX XXXX XXXX closed my case ( after being active since XX/XX/XXXX and, being totally silent for about 6 to 7 months ) closed the case with prejudice stating there is no such thing as Wrongful Foreclosure!!!! I was once again shocked to my core.! ) bc I did not even get to show my evidence to the judge or a jury and 2 ) bc I didn't believe that this is what our justice system was about. Ive been told by and educated friend that bc I was pro sec and did not have the money for a lawyer, probably I didn't have some of the paperwork correct, which is total injustice ... .Right after my case was closed Bayview had an investor buy my home ... Now if that isn't enough. Besides having someone buy my home, they did not even give me notice of any kind this sale was taking place, by mail, or not by putting it in the county recorders office - NOTHING!!!! As I had stated to you earlier in the beginning of the nightmare - I TOTALLY UNDERSTAND WHY PEOPLE SNAP!! WHEN someone takes and turns your life upside down and inside out and is backed by the people you are suppose to trust and believe in, XXXX, what else would one expect but for you to fight back in the only way they are leaving you with doing .... It's so insane and it has ruined me inside as a person ... I also stated in the beginning I wish it would have never happened to me because it broke my spirit and screwed up my phyche finding out everything I have to this day about XXXX XXXX XXXX, our leaders, our injustice in the justice system, our laws, our police officers, our congressmen. It's so ugly and especially the poorer population of America ( we'll call them/us ) left in the cold and beaten and useless because WE DON'T HAVE A CHANCE IN XXXX. If I had money, I might have been able to get a little further and maybe save my home, but I'm not sure bc I have met and talked with a few richer people than myself that have had this happen to them too. If there is anything you can do now to stop these thieves from taking my home ( bc I am still living here at XXXX XXXX XXXX XXXX XXXX AZ XXXX, but am expecting the worst now af being escorted out by the police saying I don't own the home anymore bc now bayview gets not only my home but my XXXX equity THAT I worked hard and HONEST for, so again, if you can stop them from doing this ( which I believe you have had a year and a half worth of time to do it ) PLEASE TAKE ACTION NOW ... .Here are a couple of my file numbers that I could find XXXX and XXXX ( there are approximately 8 or 10 more file numbers from XX/XX/XXXXuntil I went to federal court XX/XX/XXXX. I just want to add I don't trust anyone anymore and maybe someday someone will be able to explain just what it is that your company, lawyers, our government system does that we are suppose to BELIEVE in ... I DID NOTHING WRONG IN THIS ENTIRE SCHEME OF ILLEGAL ACTIVITY ... BAYVIEW STARTED THIS AND IT LOOKS LIKE THEY HAVE WON, but I have not moved out of my home YET!!!! I believe it will probably be recorded in the XXXX County Records on Monday, XX/XX/XXXX that it is no longer my home but Iron XXXX XXXX XXXX XXXX home as it was not in the XXXX County Records AS RECORDED when my mother and I drove downtown in XXXX on Wednesday,XX/XX/XXXX to get papers on where the sale took place and from whom since I DIDN'T HAVE ANY NOTICE IT was sold until this day. I tried to save my home right up to the day they illegally sold it and am still trying, but have no faith whatsoever that justice will take place..
08/02/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • XXXXX
 Web Servicemember
I am submitting this complaint based upon previous complaints ( XXXX ( filed XX/XX/XXXX ), XXXX ( filed XX/XX/XXXX ), XXXX ( filed XX/XX/XXXX ) Complaints XXXX ( filed XX/XX/XXXX ), and XXXX ( filed XX/XX/XXXX ) where replied with the standard response of a letter the attorney ( at the time ) for BLS dated XX/XX/XXXX when representing same, BLS, in court from XX/XX/XXXX thru XX/XX/XXXX. ( see attached again ) On XX/XX/XXXX the court dismissed the case. There is no litigation at this time or minimally since the dismissal between the parties. * In BLS response to the latest complaint it states on page 3 of 7 that : " Bayview 's litigation counsel, Ms. XXXX XXXX of XXXX XXXX, has informed Bayview that the subject loans remain in active litigation, which has not been dismissed. Because of this, the appropriate forum for Mr. XXXX to continuously raise his duplicative concerns is in court. Ms. XXXX may be reached at ( XXXX ) XXXX. '' * The court record attached again clearly depicts that there is no active litigation since XX/XX/XXXX when the judge dismissed the case. BLS has record of this and so does XXXX XXXX as they mailed a notice of entry to my address. This excuse that has been espoused throughout the above complaints with no explanation other than a XXXX letter from XXXX XXXX is stale and blatantly false on its face as all can see. THERE IS NO ACTIVE LITIGATION * BLS has been using this above as its excuse for not replying with any substance to all the questions/issues raised in the above complaint number. All while knowing that this is factually untrue. ( see response from BLS also to items 7-8 in previous complaint page 5 of 7. ( XXXX ( filed XX/XX/XXXX ) ) * Next BLS states that it has been sending my correspondence, invoices, etc to the cooperative attorneys that they made payments to which caused this whole issue back in XXXX and then after the mistake charged illegal escrow accounts holding me responsible for same ( HOA fees ). Then when taken to court regarding the matter they seemingly started charging me legal fees without making petition to the court for same, and as you can see from the decision and order of XX/XX/XXXX no legal fees were awarded. The case was dismissed without prejudice. 1 ) To such I demand an explanation clearly depicting under what authority they charge legal fees as corporate advances when no such fees have been awarded or sought. 2 ) In the same vain I demand an explanation of how BLS is able to create an escrow account per both loans ( XXXX ) for HOA 's where no provision in any of their documents allow such. I demand that they cite specific language in the agreements between the parties of such right to same especially since they already wrote me that the loans are not escrow loans. 3 ) I demand that BLS give a certified accounting ( sworn to ) of every piece of information sent to these other individuals depicting the date, time, etc. BLS has been sending all correspondence, for my private loans, illegally to XXXX XXXX XXXX. There further is no such name in the authorization document stated.The authorization BLS is arguing it placed its reliance upon was the a cooperative organization dealing with a whole different matter signed by XXXX XXXX, as President with no authorization language giving BLS any authority to send documents to them. This is a flagrant disregard for my privacy and actually sharing my private information with a legal adversary, as BLS knows I had previously been in litigation with XXXX XXXX XXXX XXXX XXXX. 4 ) I must demand that all the questions cited in the previous complaints ( XXXX ( filed XX/XX/XXXX ), XXXX ( filed XX/XX/XXXX ), XXXX ( filed XX/XX/XXXX ) minimally be answered with candor, and substantiated documentation. 5 ) Further BLS has been making false representations to CRA 's depicting money owed that is not owed on either loan. They are not reporting regularly as depicted in their response on pages 3 thru 7. They are adding in the Escrow and corporate advances which now depict me owing money that is greater than the loans I took back in the inception of the loans in XXXX. 6 ) If you look carefully at the documents they submitted they, as usual, even for the obtuse purposes they submitted them, are incomplete depicting the abject ineptitude of BLS. 7 ) They must adjust my loan XXXX as paid in full and give me my ownership documents 8 ) They must apply my payments that have been being sent regularly, and timely to the appropriate loans, and stop the play of misapplying my payments to force the loans into a foreclosure posture. attachments - 1st depicts the dismissal of the case between myself and BLS in XX/XX/XXXX 2nd attachment depicts the ridiculous response BLS has been using to respond by saying they can not deal with these issues brought up by me in CFPB complaint because of current litigation ( note letter is dated XX/XX/XXXX ) ( file name ( XXXX XXXX ) )
07/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • XXXXX
 Web Servicemember
This is being filed against Bayview Loan Servicing LLC. I have had numerous previous complaints filed in which BLS just makes willfully false statments. The last such complaint was XXXX.

I am going to do this now by just dealing with one issue per complaint rather than identifying various correlated issues. This will compel them to just deal with one per complaint so that the semantically games, and other attachments they submit that are incomplete and incorrect, mostly irrelevant or uncorroborated, and uncorroborable without the proper and full depiction is not further used as the ruse they commonly initiate to inundate you with a lot of papers of little to no substantive value.

I will first deal with their response to item 3 of complaint XXXX.

XXXX Bayview wrote : " 3. He request that Bayview send him the name and contact information of the owner of his loan accounts. Bayview provided him with just a name and address and stated the owner of the loan was XXXX XXXX XXXX. He contacted XXXX XXXX and spoke with XXXX XXXX, research analyst for XXXX XXXX. XXXX. XXXX informed him that XXXX XXXX is the master servicer, and XXXX XXXX is the owner of the loan. XXXX. XXXX also inform him that she needed to reach out to Bayview to inform that they had not provided him with correct information. To this date, XXXX. XXXX states he has not received the name and contact information of the true owner of his loan accounts. '' " To address item 3 above : '' Our records indicate that on XX/XX/XXXX, we sent XXXX. XXXX correspondence indicating that the owner of the loan accounts was XXXX XXXX XXXX. However, this information was found to be incorrect. Bayview apologizes for the error and any inconvenience it may have caused. Please be advised that on XX/XX/XXXX, we send XXXX. XXXX a letter identifying the correct owner of the loan as XXXX XXXX XXXX as XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX ( copy enclosed ). '' XXXX The complaint on this item alone by me is that : 1 ) Bayview made a false statement that it initially provided me with XXXX XXXX XXXX as the owner of the loan on XX/XX/XXXX. In fact they gave me that information after numerous requests in XXXX, and early XXXX on XX/XX/XXXX ( XXXX ). ( see attachment BLS Validation of Debt ... ) 2 ) Bayview further has not provided me with correct information regarding the contact information and possibly the true owner of the loans to date. The phone number provided by Bayview XXXX is not a number available for use by myself. It is only for investors who hold parts of the investments with XXXX XXXX. I still can not ascertain whether this is the actual owner, or what the particulars of the agreement are ( if there is one ). I sent BLS a letter ( email ) in response to that issue of the incorrect phone contact number, etc, and have heard nothing back from them or their attorneys. ( see attachment Print Bayview Failure to provide proper phone numbers ) As such Bayview is minimally in direct violation of Part 419. Servicing Mortgage Loans : Business Conduct Rules ( Statutory Authority : Banking Law Article 12-D ) 419.2 Servicer duty of fair dealing A Servicer has a duty of good faith and fair dealing in its communications, transactions, and course of dealings with each borrower in connection with the servicing of the borrowers mortgage loan. This includes, but is not limited to, the duty to : a ) Safeguard and account for any money handled for the borrower ; b ) Follow reasonable and lawful instructions from the borrower consistent with the underlying note and mortgage ; c ) Act with reasonable skill, care and diligence ; d ) Promptly provide the borrower with an accurate statement of account in accordance with Part 419.7 ( b ) ; e ) Make borrowers in default aware of loss mitigation options and services offered by the Servicer in accordance with Part 419.11 ; f ) Provide trained personnel and telephone facilities sufficient to respond promptly to borrower inquiries regarding their mortgage loans ; and d ) Pursue loss mitigation with the borrower whenever possible in accordance with Part 419.11.

419.4 ( d ) Consumer complaints and inquiries Within 10 days of receiving a request in writing from a borrower or the borrowers authorized representative, a Servicer shall provide the borrower with the name, address, phone number or email address, if available, and other relevant contact information for the owner or assignee of the mortgage loan.

Furthermore 419.4 ( e ) it further states that the loan servicer In addition to the information required to be disclosed under this section, a Servicer may, at its option, provide any other information regarding the servicing of the loan that it believes would be helpful to a borrower, provided that such additional information does not contradict or obscure the required disclosures.

03/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • XXXXX
 Web Older American
This is a dispute over a home owner entering into a Loan Modification Agreement, making the payments required in the Modification Agreement, and making the Tax payments and Insurance Payments with the Lender chosing not to recognize the loand is current and failing to credit the payments to principal and interest but placing them into a suspense account. The Mortgage lender is Community Loan Servicing LLC, ( hereinafter Community ) a limited liability company organized and existing under that laws of the State of Delaware, with principal offices located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. Community is engaged in the business of being a mortgage lender and assignee purchaser of existing mortgages and servicing mortgage loans. Borrower is a party to the Mortgage on her Primary Residence who received a foreclosure action on or about XX/XX/XXXX. In order to eventually settle the foreclosure action, prior to entering into a loan modification agreement borrower paid eighty-thousand dollars ( {$80000.00} ) and executed a loan modification agreement with Defendant effective on XX/XX/XXXX. The Loan Modification Agreement, a true copy of which is submitted as a file herein, which according to Paragraph 3 required the Plaintiff to make the following payments : The Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of the Lender until the unpaid principal balance has been paid. Interest will be charged on the unpaid principal balance at the yearly rate of 5.75 % beginning XX/XX/XXXX the Borrower promises to make monthly payments of principal and interest of U.S. {$2400.00} beginning on XX/XX/XXXX and continuing thereafter on the same day of each succeeding month. If on XXXX/XXXX/XXXX ( the Modified Maturity Date ) the borrower still owes amounts under the Note and Security Instrument, as amended by the Modification, the borrower will pay these amounts in full on the Modified Maturity Date. 6. Since XX/XX/XXXX the plaintiff has cumulatively made payments in excess of the principal and interest payments to defendant until XXXX of XXXX, when payments equaling the principal and interest payments were identical : Monthly Payment Date Cumulative Actual Payment Actual Cumulative {$2400.00} XXXX {$3300.00} {$2400.00} XXXX {$4800.00} {$3300.00} XXXX {$2400.00} XXXX {$7300.00} {$3300.00} XXXX {$2400.00} XXXX {$9700.00} {$3300.00} XXXX {$2400.00} XXXX {$12000.00} {$3300.00} XXXX {$2400.00} XXXX {$14000.00} {$2400.00} XXXX {$2400.00} XXXX {$17000.00} {$4800.00} XXXX {$2400.00} XXXX {$19000.00} {$2400.00} XXXX {$2400.00} XXXX {$21000.00} {$48.00} XXXX {$2400.00} XXXX {$24000.00} {$2400.00} XXXX {$2400.00} XXXX {$26000.00} {$1800.00} XXXX {$2400.00} XXXX {$29000.00} {$0.00} XXXX {$2400.00} XXXX {$31000.00} {$2100.00} XXXX {$2400.00} XXXX {$34000.00} {$1100.00} XXXX {$2400.00} XXXX {$36000.00} {$2400.00} {$36000.00} {$2400.00} XXXX {$39000.00} {$2400.00} {$39000.00} {$2400.00} XXXX {$41000.00} {$2400.00} {$41000.00} 7. There has never been a month since the commencement of the Loan Modification Agreement in which the cumulative amount actually paid was less than the cumulative amount due. 8. A Forebearance Letter was sent to borrower granting a 180 day suspension of payments. Said letter is attached. 8. Since the Loan Modification Agreement, Plaintiff changed Homeowners insurance policies and paid for a policy issued by XXXX XXXX XXXX that went into effect on the XXXX of XX/XX/XXXX and is currently in full force and effect through the XXXX of XX/XX/XXXX with Community Loan Servicing LLC listed at the Mortgagee at its request. Plaintiff directly paid in full for these policies. Additionally, upon terminating the former Insurance Company, XXXX XXXX, plaintiff received a refund check of {$1800.00} and at the request of Defendant returned this check to Defendant for a credit to my account, which was posted on XXXX XX/XX/XXXX. 9. Since the loan modification, borrower has paid all property taxes in the second half tax of XXXX for a total payment of {$6700.00} which was paid on XX/XX/XXXX. 10. In spite of borrower prepaying property taxes and Homeowners Insurance, the defendant has continued to claim that plaintiff is delinquent in its payments. 11. On the XXXX of XX/XX/XXXX defendant sent a Notice of Default and Intent to Accelerate claiming that {$17000.00} in payments were due to cure a default. On XXXX XX/XX/XXXX, after making the Principal and Interest monthly payment of {$2400.00}, Community is reporting on its website that the total amount due is {$19000.00}. 12. By making a claim for charges which plaintiff does not owe and threatening to foreclose on borrower 's home property, defendant is in breach of contract. Borrower has requested correction of this misapplication of funds but Community has refused to comply.
12/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OR
  • XXXXX
 Web
XXXX XXXX start a Trial Modification with my servicer Community Loan Servicing ( now Community Loan Servicing, llc ) after the Covid-Cares Act accommodation ended. I am set to make 3 trial payments XXXX, XXXX & XXXX with modification documents sent after this time. After each payment I reiterate the process and what happens after the 3 trial payments are made. Starting in XXXX of XXXX I ask when to expect the documents to complete the modification and I am told " they are in process and will be mailed out now that your trial payments are done. Each month I wait and nothing is sent to me other than a statement showing the past due amount and a name of a " dedicated loan specialist : XXXX XXXX. This conversation is repeated every month until XXXX when the loan is sold ( Community Loan Servicing, llc ) and I call a new number to make my payment and I ask when the paperwork to complete my loan will be sent. I am told once the transfer is complete documents will be sent. Nothing arrives for me by USPS. XXXX, XXXX, XXXX, XXXX are all the same, with the same request after my payment and assurance paperwork is coming to complete my modification. XXXX rolls up and I call to make a payment and I am told they can not accept my payment because my trial plan is now broken and I am needing to pay the whole amount outstanding to bring my loan current. I then go through the whole story again, and I am told that " they '' were able to fix the loan in the system AND modification documents are now being sent to complete my loan. No documents arrive after a week, 2 weeks, 3 weeks, I continue to call and each time I am told " Documents are NOW being printed and sent to you '' ... .never addressing the prior conversations or documents, only saying " NOW, we can get those to you ''. I keep calling and asking for a supervisor to call back. Nobody calls me back. I ask for the documents to be sent XXXX and I am told " We don't offer that service ''. I am at a loss as to what I can to do save my home. I can't draft these documents, although by now I could have XXXX " How To '' and figured it out on my own, seems like pushing this task to me isn't what I would call " helpful '' or " useful '' in anyway. And this part is for the loan modification. I need your help with this. I have done all I have been asked, I call frequently, I made all the requested payments and still can not get this finished. I really need your help here. This part is about the loan balance. I have asked since XXXX of XXXX to have a full accounting of my account from XXXX to current sent to me and to date I have been ignored ( see above for similar results ). The reason for this is that having read the entire CARES ACT document for my job, I believe it is section XXXX that talks about mortgage servicing companies and how they will and will not treat customers that ask for a COVID related accommodation. One such point is that servicers will not charge any fees during this time. I believe my servicer has charged me fees which is why they will not send me the accounting I have asked for. ANY fee is a violation of the CARES Act and illegal. I hope you can get that document for me and one for you too for your review. I need help with this Next, way back in the beginning of this COVID accommodation request of mine I spoke to a gentleman ( XXXX ) who outlined how this accommodation was going to work. No payments required during the accommodation period and at the end of the accommodation " ... .all of the outstanding money owed on your loan will be rolled up into a balloon payment due and payable once your loan is refinanced or your home sold. It will not generate interest and can not be paid down during your loan payments. '' This was pretty straight forward and easy to understand. However, the new servicer is telling me that, that isn't correct. The amount that is owed for taxes and insurance is now owed by me and NOT part of the balloon payment option I was initially offered ( and accepted ). This feels very " bait and switch '' like. I was sold something that they then take away and I have XXXX recourse. Please help with this. The end result to all is is as follows : 1. Loan modification documents sent to me via XXXX with a return envelope. This is to be the 40 year loan@ 2.875 % as agreed upon during the initial conversation I had XXXX. 2. My entire outstanding balance becomes a balloon payment as was " sold '' to me during the COVID accommodation conversation I had with XXXX back in XXXX 3. Any and all fees charged to my account since the start of the COVID accommodation period are to be removed. I have tried calling again tonight to Community Loan Servicing and got the very same result. Somebody will call you back tomorrow. Please help me with this issue I want to keep my home.
01/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98168
 Web
I was given a home loan from XXXX in XX/XX/XXXX. I signed my loan documents on XX/XX/XXXX and it closed on XX/XX/XXXX. I never recieved a final HUD settlement and only have had them be able to produce on dated XX/XX/XXXX. When my mortgage documents where filed the notatary stamp and signature on page 14 or 15 doesn't match or look like the ones contained in my deed. Futher the document was edited by adding in county of Hawaii in upper left but was never intialled by the notary or me which is required when a change is made to a document. The three page promissory note that the servicer and XXXX XXXX XXXX XXXX XXXX as trustee claim to prove internet and ability to foreclose contain no notary stamp, no date on signature page, a signature that isn't mine, and didn't contain any indorsment from XXXX XXXX till after XX/XX/XXXX. Prior sevicer had sent documents that had a promissory note not containing the endorsement and one containing the endorsment. There is futher an assignment that was done in XX/XX/XXXX from XXXX to XXXX which is an assignment of mortgage. It was requested by XXXX XXXX and done by an officer XXXX XXXX of XXXX out of a flordia address. There is no evidence showing that XXXX XXXX had ownership of my mortgage or note to do this transfer and no documents showing chain of title from XXXX to XXXX to XXXX to XXXX which would be required when transferring the note. XXXX was to be listed as the nominee for the lender and if directed by the lender had the power to sell or transfer the mortgage no where does it state that XXXX had any power or ownership of the note. Even if they did they have no license in XX/XX/XXXX to sell a mortgage or assign a mortgage or to do business in general. This avoids any normally taxes or fees that would be associated with a normally assignment or sale of a mortgage. Futher since in XX/XX/XXXX XXXX no longer exsisted there was no directions given by a lender and no proper endorsments to show a legal chain of title. XXXX was given certain abilities which where outlined in the discloser that the lender provided and in no way states XXXX at ots own discreation could assign my nortgage. Futher the assignment is two pages of the XXXX the first is all the info about the mortgage and signature by XXXX officer and on the second is the notary stamp and signature contains no page numbers and has hand written in assignment of mortgage XXXX XXXX XXXX. There is nothing showing or verifiying that these documents where produced at the same time and if either the XXXX officer or notary had knowledge of them being signed at the same time. XXXX XXXX was illegally made the servicer when there was never any notice given to me that is required when the servicing of the loan is transferred. This loan was also supposed to be part of a mortgage securities certificates and was required to close under a PSA agreement and follow certain guidelines which would at that time require the mortgage and note to be transferred. This never accured and therefore never became part of a certification series overseen by a trust company. This makes the mortgage null and void as it was never properly sold or transferred from XXXX XXXX to anyone. Futher XXXX XXXX changed and set the interset rate at XXXX for almost 5 years and never once changed it even though it was an adjustable rate mortgage. The current servicer has started raising the interest rate and has failed to provide the required documents showing what the adjustment is based off and why it is changing the amount it has. The mortgage has also been in and out of court since XX/XX/XXXX and the XXXX as trustee has never been able or produced any documents stating the have interset in the property and the right to foreclose. XXXX as trustee futher has no license or office in Hawaii to be able to deal with mortgages and neither does the current servicer XXXX homeloans. XXXX XXXX or Bayview XXXX has produced verification that they can do business in regards to mortgages in the state of hawaii. The mortgage contains a notary stamp on page 14 that doesn't look like the notary on other documents, has no areas crossed out showing gender and party, contains alterations never signed or endorsed, lacks the rubber stamp with notaries name and number. The promissory note contains a signature that isn't mine, no dates on third page by signatured, was not filed along with mortgage, no notirizing to verify I signed it, has been produced with and without an endorsement in blank by XXXX in XX/XX/XXXX, no witness signstured, wasn't signed by the lender or bank, and has not been provided with wet signatured or in original size. The burden should be on the servicer and XXXX to provide proof that these documents are not fraudulent. That the assignment was not fraudlent.
10/10/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08205
 Web
To Whom It May Concern, This letter is in reference to the request for a loan modification on the mortgage loan due to financial hardship. The financial hardship is due to divorce. On XX/XX/XXXX my ex-husband and I separated and I became the sole provider for my household. We officially divorced on XX/XX/XXXX. I am the primary caregiver for my XXXX children, ages XXXX and XXXX. I am a full time Teacher of XXXX at a local high school. I earn a XXXX month salary. I have not previously worked during the summer months of XXXX and XXXX due to the coast of child care. I currently pay for full day preschool and XXXX school for my children. I am requesting a loan modification based on the financial hardship of divorce. The household income has been cut in more than half since our separation in XX/XX/XXXX. I have been a contributing member of society with a respectful, professional career. I work very hard to pay all my bills on time, but the significant loss of my ex husband 's income has drastically set me back financially. My goal is to stay in my home with my children to provide stability. Our family has gone through a lot in the couple years and remaining in our home with an affordable mortgage on a teacher 's salary is my challenge, but with a loan modification it could be achieved. I have been attempting the approval of a loan modification since early XXXX. At the time I dealt with XXXX XXXX and XXXX XXXX. I explained my situation thoroughly and continuously was denied a modification. After a year went by my frustration started. I could not figure out why I was being denied. Finally, in XXXX of XXXX it all came together. In a conversation with XXXX XXXX XXXX in mid XXXX I specifically asked why I was denied. XXXX XXXX explained that the addresses on all my statements did not match the property address of my house, according to her records. I reminded her of the conversation we had, at that point almost a year later, that XXXX XXXX XXXX XXXX XXXX, NJ and XXXX XXXX XXXX XXXX XXXX XXXX, NJ was the same property. I also explain again that the city had changed my address ten years ago, in XXXX. This is very frustrating considering the fact that any point I would have sent a letter from the city of XXXX explaining it was the city that did changed my address. I also sent documentation to the mortgage company 9 years prior who originally handled my mortgage. When I said this to XXXX XXXX, she put me on a long hold. When she came back on the line she did apologize to me for her incompetence and explained that I did have all of the required paperwork, but she did need a letter from the city confirming the address change. I sent the letter from XXXX the next week to XXXX XXXX. That same week I requested a copy of my home assessment. I did receive a packet with an assessment of a property labeled XXXX XXXX XXXX XXXX, but it was not my property ( it was the house next door ). At this time I became very frustrated with not only XXXX XXXX, but with Bayview as a whole. First, the fact that I was being denied because of the address ordeal for an entire year, but now knowing that they were not even assessing the correct property. But, that was not the only mistakes being made by Bayview. Later that week I received a letter stating that my homeowners insurance was cancelled. According to Bayview, Bayview send out a check with the wrong loan number and therefor I had to find new homeowners insurance after being with the same company for 10 years. I believe that I have continuously worked through all of Bayviews mistakes and have suffered financially because of the incompetence of your company. I believe that I have a valid need for a loan modification and should have received one years ago, without the aggravation. At the time of my separation with my ex-husband I was up to date on my mortgage, but when he left he took half of the financial responsibility which caused me to immediately request for a loan modification. Now, I am two years passed due on my mortgage and after finally being approved my monthly payment is {$50.00} more that it was originally, with the same interest rate. I want to keep my home. I have done everything on my end that I was to do in order to get a modification. I have a financial hardship and should be granted a better modification taking in consideration my situation and the mistakes of Bayview. In addition, you have requested evidence that taxes have been are paid current, but taxes were always included in my mortgage payments. In result, they have not been paid. I am still trying to get a loan modification, but this last time all my documents being sent were coming back to me. I have been in contact with XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX to help me finally get a loan modification.
05/05/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NM
  • 875XX
 Web
On XX/XX/XXXX it was implied to a District Court Judge, that Bayview Loans Servicing LLC ( Bayview ) had filed suit against me for foreclosure on XX/XX/XXXX in the XXXX Judicial District in XXXX XXXX, NM. The originator of my loan was XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX had failed to apply my payments, and returned multiple payments, claiming that I owed unauthorized and illegal fees. In fact, in one instance XXXX wrote me and told me that it had charged me fees for both properties when in fact I only owed one ( 1 ) property. To make matters worse, even with XXXX returning my payments in contravention of the loan contract, I had made thousands of dollars in advance payments to my loan. In other words, after paying thousands of dollars in early payments there is no possible way that my loan could have been in default at the time Bayview now claims it was in default even after XXXX failed to apply my subsequent payments. This means that either Bayview did not review competent loan information or Bayview ignored the circumstances of my loan prior to filing the unlawful suit against me. On XX/XX/XXXX, XXXX XXXX XXXX XXXX was sued by the Federal Trade Commission for the very conduct it had engaged in regarding my loan. That lawsuit resulted in a Federal Court Order issued by the United States District Court Central District of California onXX/XX/XXXX The Federal Court Order in effect until XX/XX/XXXX, Restrained and Enjoined XXXX and its successors and assigns ( allegedly Bayview ) from filing suit against me under the circumstances of my loan. See Exhibit A at Section VI. Bayview is not a bank as defined by the Federal Court Order. See, Exhibit A at Definitions 3. Bayview has violated a Federal Court Order by filing a lawsuit against me after the Court had restrained and enjoined it from doing so. Here, Bayview either failed to review competent and reliable evidence regarding the circumstances of my loan or ignored that evidence which clearly demonstrates that XXXX failed to apply my payments and ignored my written dispute regarding its failure. In further violation of the Court Order, Bayview failed to resolve or even address the dispute with my loan which included numerous written notices beginning on XX/XX/XXXX, and concluded with a written notice of Breach and Termination dated XX/XX/XXXX. Bayview continues to ignore this dispute in order to unlawfully pursue the foreclosure case against me in violation of the Federal Court Order which explicitly prohibits in from filing suit under the circumstances of my loan. Bayview has falsely represented to the district Court in XXXX XXXX, that there was no dispute. To the contrary, XXXX was provided a Notice of Breach and Termination of the loan contracts dated XXXX XXXX, XXXX, as a result of the dispute that Bayview now falsely claims did not exist. See Exhibit B. A brief investigation into this matter will quickly reveal that there has been an ongoing dispute regarding the failure to apply my loan payments sinceXX/XX/XXXX and that XXXX was also charging me illegal and unauthorized fees ( charging me fees for both properties when I only owned one property ). It was that very conduct that resulted in the lawsuit by the FTC and subsequent Federal Court Order which Bayview has violated. Exhibit A. For example, after sending XXXX three ( 3 ) checks on XX/XX/XXXX ( see Exhibit C ) XXXX first said the checks were missing. See Exhibit D. XXXX later returned those payments falsely claiming that certified funds were required. In a letter dated XX/XX/XXXX however, XXXX admitted that the payments did not require certified funds stating, This will confirm that although your account was past due for the XXXX andXX/XX/XXXX installments at the time ; your loan had not been referred to our Foreclosure Department and ; as such did not require certified funds. See, Exhibit E at p.2, bullet point 4. When asked to explain why the checks were returned, XXXX failed to respond. See, Exhibit D. Here XXXX failed to accept and apply my payments claiming the payments required certified funds, then later admitted in writing that the payments did not require certified funds. Exhibit E at p.2, bullet point 4. As a result of failing to resolve this and other issues, XXXX was issued the Notice of Breach and Termination of the loan contracts on XX/XX/XXXX Under these and other circumstances, Bayview is in violation of the FTC / Federal Court Order ( Exhibit A ) by filing and maintaining a foreclosure suit against me particularly as it has misrepresented to the District Court that I failed to make these payments when such a statement is clearly false. The misrepresentations are also a violation of Federal consumer financial protection laws. Sincerely, XXXX XXXX XXXX XXXX XXXX
07/10/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • XXXXX
 Web Servicemember
This is being filed against Bayview Loan Servicing LLC. I have had numerous previous complaints filed in which BLS just makes willfully false statments. The last such complaint was XXXX. I am going to do this now by just dealing with one issue per complaint rather than identifying various correlated issues. This will compel them to just deal with one per complaint so that the semantically games, and other attachments they submit that are incomplete and incorrect, mostly irrelevant or uncorroborated, and uncorroborable without the proper and full depiction is not further used as the ruse they commonly initiate to inundate you with a lot of papers of little to no substantive value. I will first deal with their response to item 6 of complaint XXXX. XXXX Bayview wrote : " 6. Bayview has not provided him with proof of a payoff for loan XXXX in XXXX. To address item 6 above : Bayview 's records do not indicate that loan XXXX was paid off in XX/XX/XXXX. Should XXXX XXXX have documentation indicating the loan account was paid off, we ask him to provide us proof of payoff. At theis time for loan number XXXX, our records indicate a UPB of {$830.00} and an escrow account balance of {$6300.00}. A copy of the Customer Accont Activity Statement is enclosed for review. At this time for loan number XXXX, our records indicate a UPB of {$1200.00}, and an escrow account balance of {$6200.00}. A copy of the Customer Accont Activity Statement is enclosed for review. Please be advised we have submitted a payoff request for both loan accounts, which will be sent under seperate cover. '' XXXX My request as item E ) of the complaint under XXXX stated : " E ) They still have not provided me with proof positive ( source documents ( check, or otherwise ) ) depicting the payoff of XXXX in XX/XX/XXXX as previously requested. '' Instead of answering the question BLS plays the symantic of willfully restating my issue incorrectly ( as above ) : " Bayview has not provided him with proof of a payoff for loan XXXX in XX/XX/XXXX. '' Therefore thier answer is irrelavent because the restatment of the issue was incorrect. BLS is constantly using this ploy so they do not have to deal with the real issue. The proper request under XXXX demands that BLS provide the source documents depicting the payoff of the loan ( XXXX ) back XX/XX/XXXX. ( see attached - copy of page six of BLS own documents depicting the payoff on XX/XX/XXXX, and then BLS reversing the money on XX/XX/XXXX without explanation or any reasoning ) This payoff was, to my knowledge, made by another party for my benefit and that without a valid reason BLS reversed the payoff over my objections back in XX/XX/XXXX, and further my demand to see proof of the payment ( to my understanding wire transfer for the benefit of my account ) ( attachemnt - Dialog with XXXX XXXX of BLS regarding XXXX and other issues in XX/XX/XXXX and XX/XX/XXXX ) BLS 's continued actions in failing to provided me with full disclosure on these transactions is minimally in bad faith of the managment of my accounts regardless of the source of the payment. If it affected my account I should have the right to see all pertinent information surrounding the payoff and the legal reasoning for its removal. IN PLAIN ENGLISH I NEED TO SEE THE TRANSFER OR OTHER VEHICLE ( SOURCE DOCUMENTS - not the " Customer Accont Activity Statement '' that proves nothing ) DEPICTED IN THE BLS Customer Accont Activity Statement - XX/XX/XXXX APPLICATION OF THE PAYOFF OF MY ACCOUNT. I NEED TO SEE WHY, AND WHO AUTHORIZED THE REVERSAL OF THE PAYOFF OF MY ACCOUNT, AND THE REASON FOR IT. BLS is in violative of the statute Part 419. Servicing Mortgage Loans : Business Conduct Rules ( Statutory Authority : Banking Law Article 12-D ) 419.4 ( a ) ( b ) ( c ) ( d ) ( e ) Consumer complaints and inquiries ( re : QWR 's, etc ) Next, BLS states that I owe them money for " escrow balances '' yet BLS states that XXXX and XXXX are not escrow accounts BLS states clearly that these two account are " non escrow accounts '' in its XX/XX/XXXX letter ( attached ) but goes on to state that it created escrows for each account " to protect our mutual interests in both properties ''. This is patently illegal without my knowledge and consent. RESPA, 24 C.F.R section 3500.17 does not allow for escrow of this sort, nor do the contractual elements of any agreement that I entered into at any time. BLS took this soley upon themselves. Escrows are for taxes and insurance, unless agreed to by the parties for other purposes. There was, and is no agreement, nor authority of BLS to take this extrodinary action ( s ). Any escrow accounts set up on behalf of either of these loans are violative of the law.
11/27/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
The borrowers accept the Loan Adjustment Agreement or permanent modification agreement dated XX/XX/XXXX, and are willing to sign the document if Sub-servicer Bayview Loan Servicing LLC agrees to the following : A ) Remove the illegal waiver B ) Truth and Lending Act and Regulation Z require disclosure of fees, payments, principal interest, escrow, date payment increases the Federal Reserve, the Consumer Financial Protection Bureaus KNOW BEFORE YOU OWE by disclosing Modification fees, escrow, payments, principal and interest C ) A statement indicating all payments are current and that there are no past due payments on the Loan Adjustment Agreement or Modification Agreement and on XX/XX/XXXX, the borrower is current and what the current monthly payment amount due is. D ) Allow time to have a attorney review the document. A. REMOVE THE ILLEGAL WAIVER AS A CONDITION FOR APPROVING THE MODIFICATION On XX/XX/XXXX, borrower reviewed the Loan Adjustment Agreement or Modification Agreement dated XX/XX/XXXX. On multiple occasions Bayview Loan Servicing LLC, has demanded borrowers sign illegal waivers demanding borrowers to give up their legal rights to a trial by jury. On XX/XX/XXXX, Sub-servicer Bayview Loan Servicing is demanding another waiver worded differently but demanding the same. The illegal waivers violate the Consumer Financial Protection Act as well as our rights under RESPA, TILA, TRUTH AND LENDING AND REGULATIONS X, under providing rights, responsibilities, or procedures for consumers or financial institutions for consumer credit contracts. The illegal waiver demands borrowers to give up several important legal rights and puts the borrowers at the mercy of Bayview Loan Servicing LLC : The illegal waiver demands borrowers to give up their rights to a trial by jury. The illegal waiver demands Bayview Loan Serving LLC right to dual track borrowers unlimitedly through this modification agreement. The illegal waiver demands borrowers cant hire an attorney The illegal waiver demands borrowers cant make any claim to attorney fees and cost against lender for a pending foreclosure action that the lender voluntarily dismisses. The illegal waivers put into the Loan Adjustment Agreement or Modification Agreement dated XX/XX/XXXX, states the following : Borrower agrees not to make any claim to any attorney fees and costs against Lender in the event there is a pending foreclosure-case/action which is voluntarily dismissed by Lender as a result of this modification agreement or similar settlement reached between the parties. Borrower acknowledges that a voluntary dismissal by Lender under such circumstances shall not make the Borrower the prevailing party in such foreclosure action/case for the purposes of this section, Please also remove the other conditional waiver put into the package again requiring us to give up our rights to a trial by jury. ( See Exhibits Attached ) as conditions for approval for the Loan Adjustment Agreement or Modification Agreement. B ) KNOW BEFORE YOU OWE DISCLOSE LOAN INFORMATION UNDER TRUTH AND LENDING ACT B1. Due to paying trial modification payments for over a year what part of the loan are those trial modification payments applied to? B2. A Break Down of the amount to be added to the loan and a itemization and listing for each amount of fees and what they are for. B3. A Break Down of the monthly escrow amount and an itemization listing what the fees are for for example how much is being paid to taxes each month and how much for insurance each month. B4. What is the starting amount you are putting into escrow and will it cover taxes and insurance? B4. What the principal and interest payment is? B5. What the balance left on the balloon is after the 23 payments left on the loan are paid B6. Is there a penalty for paying the loan off early? B7. Will we have access to pay our account online and have full online access like other Bayview customers? C ) A STATEMENT INDICATING ALL PAYMENTS ARE CURRENT AND THERE IS NO PAST DUE A statement indicating all payments are current and that there are no past due payments on the Loan Adjustment Agreement or Modification Agreement and on XX/XX/XXXX, the borrower is current and what the current monthly payment amount due is. D ) ALLOW A ATTORNEY TIME TO REVIEW THE DOCUMENT On XX/XX/XXXX, We are scheduled for an attorney to review the document. We need extra time for the attorney to review the Loan Adjustment Agreement or Modification Agreement. Therefore, we are requesting an extension from Loan Adjustment Agreement or Modification Agreement due date of XX/XX/XXXX be extended to a due date of XX/XX/XXXX.
11/20/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • XXXXX
 Web Servicemember
To Whom It May Concern : I am writing you this complaint pertaining to Bayview Loan Servicing LLC. I have been trying to work with this lender on obtaining a modification for my primary residence. From the beginning of this process of this year - to the present I have been lied to, deceived & received numerous fraudulent predatory lending practices from Bayview Loan Servicing LLC. I have several fraudulent infractions against Bayview Loan Servicing LLC when applying for my modifications. I submitted four modification packets to Bayview Loan Servicing LLC & on all four of them they informed me that the packet was not complete, when actually all four were complete ( I have attached the correspondences for you to review and add to your records ). I was also informed that even though they received my modification packet that they keep the foreclosure sale active until they receive the complete packet. I informed Bayview Loan Servicing LLC that practice is unlawful. The reception of the modification packet is supposed to cease the foreclosure sale date while they review the modification packet received ( This predatory lending practice occurred four times with me ). I have attached the letters along with this correspondence for your records & to review. The letters from Bayview Loan Servicing are dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. All four of this letters from Bayview Loan Servicing LLC are in reference to a incomplete modification packet, when actually they were complete. I had to resend the same documentation again to them numerous of times. During all four instances the foreclosure stayed active. I have also attached receipts of the XXXX tracking confirmations of the loan modification packets being delivered to Bayview Loan Servicing LLC. Also, on XX/XX/XXXX I delivered a Quality Written Request & Complaint to Bayview Loan Servicing LLC. I did not even receive no correspondence back from Bayview Loan Servicing LLC. I requested a Quality Written Request & Compliant due to the first request was not completed. I have also attached my Quality Written Request & Complaint for your records for you to review. The correspondence sent to me dated XX/XX/XXXX stating that I had until XX/XX/XXXX to send the documents in which that was the second time sending them in this modification request was denied. I informed the Asset Manager XXXX XXXX that I will be appealing this decision because this is my primary residence & that I am a XXXX Veteran & that this residence is equipped to assist me with my military service connected XXXX. XXXX XXXX informed me to email : XXXX for me to request an appeal of the decision. I also XXXX the correspondence as well on XX/XX/XXXX. I have also attached copies of the XXXX tracking receipt & screen shot of the email sent to : XXXX I called XXXX XXXX a week after XX/XX/XXXX to check on the status of my appeal to escalations. I was Informed by XXXX XXXX that they received the escalation appeal from me & that they will have an answer for me within thirty days ( the 30th day would have been XX/XX/XXXX ). I came back from my doctors appointment on Thursday XX/XX/XXXX I received correspondence from XXXX XXXX XXXX that my primary residence is going into foreclosure on XX/XX/XXXX. I never did receive no correspondence from Bayview Loan Servicing about the decision of my escalation denial appeal. I called Bayview Loan Servicing LLC trying to communicate with XXXX XXXX to see what is going on with my escalations denial appeal. I was informed that XXXX XXXX call back schedule was full & that someone will call me back on Friday XX/XX/XXXX or Monday XX/XX/XXXX. I did not receive a callback on neither day. I received an automated message on Monday XX/XX/XXXX that the several call backs are full & to try back within a week. This is unacceptable. Bayview Loan Servicing is deliberately ignoring my calls & still yet has not gave me a reason on why my escalation denial has not been granted. I requested in my escalation denial that my income has changed & that I am entitled by law for me to have another modification packet request due to my financial changes. I am entitled to a modification request by law. My experience dealing with Bayview Loan Servicing has been unprofessional. They do not follow the federal guidelines for FHA loans & modifications. I am seeking to stop your predatory lending practices & grant me my modification & stop that unlawful foreclosure immediately. All of the documents are attached per all of the instances mentioned above. Thank you, XXXX XXXX XXXX
03/21/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • WA
  • 985XX
 Web Older American, Servicemember
We/heRobert XXXX XXXX XXXX XXXX XXXX XXXX on ssa XXXX then XXXX, XXXX now, only, First identity theft forged loan sharking forged by XXXX XXXX XXXX XXXX 5+more bogusceach with higher n higher interest showed up by XXXX all terms changed none reflecting XXXX XXXX canceling of 3 XXXX type XXXX XXXX XXXXXXXX but XXXX own documents from Bayview mailed summer XXXX show canceled by not a new lowered payment amount not for 15 year term nor bogus 30, year term Bayview changed it to XXXX when they added their names to XXXX XXXX XXXX XXXX home I owners and reality taxes like adding XXXX XXXX name to XXXX XXXX court ordered bill XX/XX/XXXX in divorce XX/XX/XXXX, XXXX thru XX/XX/XXXX, XX/XX/XXXX in divorce, as she billed XXXX out of XXXX XXXX retirements XXXX n state XXXX, +each which XXXX was proven so, is ordered to pay XXXX to this bill each n every month till paid in full and to pay XXXX XXXX month to pay back all the funds she stole and was loaned promising to pay backmif it takes forever,,, but XXXX, contract was crime she stole copy of copy of car like title for XXXX 's sole seperate property and went to her friend XXXX XXXX at XXXX and got a loan sharking high interest type contract stealing XXXX XXXX forging his name XXXX XX/XX/XXXX 4 months after they split last time Background she stole bobs identity used his ssi number a n d went to XXXX XXXX in XXXX n got XXXX,, n paid XXXX year ahead. By XX/XX/XXXX, XXXX 4.1 % fixed interest,,, simple bank mortgage interest that was swapped out for daily compounded with no credits for paying ahead fines heavy penalties ypthey have used tp extort XXXX well over original,XXXX full payment amount that grew to with each bogus contract XXXX, XXXX, XXXX now it's bogus 30 years n XXXX, XXXX again added XXXX XXXX back on each month after XXXX canceled to extort XXXX for her bill trigger XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX again never lowered payment to reflect new amount nor credited it XXXX extras to principal neither did Bayview community llc 's, at bogus 30 years new payment with insurance was almost same as with q5 year canceled insurances XXXX XXXX to XXXX but with them cancelled look XXXX minus XXXX equals XXXX to XXXX but never ever credited their own bogus higher amortization tables amounts prove this .. credit al. Payments amounts correctly extras to paid timely early n extra as XXXX was scared by threats of suit or foreclosure or worse constsntly ... coupons again 2xs a year XXXX used on top of paying XXXX each n every month inputted backwards too. Negating bobs extorted payments n then used to falsely claim he did not pay when technically he paid double but again never received credit, theft unjust enrichment frauds n abuses galore both XXXX n Bayview I ew community sending threatening negative mailings bills notices letters XXXX +each after bob/we mailed them for him cease n desist orders opt out notices to several of their addresses local and back east, XXXX fine due for each, XXXX to now, XXXX for Bayview community, so repeat XXXX payment amount with canceled XXXX insurances. Should have been credited XXXX new payments at 15 year terms and rest all the extras to principal emediately not curtailed not turned into fines n charges fraudulently, XXXX added by XXXX XX/XX/XXXX XXXX added XXXX, no payments extorted from XXXX credited to account XXXX divorce to XXXX added XXXX from reversed coupons, each time computer growing principal credits grew to over XXXX to XXXX XXXX n Bayview community lowered them to XXXX to XXXX,, repeatedly added deterrents XXXX, escrow like insurances were price gouges to if cost was XXXX Bayview added charged fraudulently XXXX if XXXX they charged XXXX ... my thoughts are this is what happens when you do not pay a great wage and benefits but only 55 % of what a rep can scare a poor exempt person extortedly to pay .. they falsely claimed XXXX XXXX her bill n XXXX and are trying to scare everyone like XXXX XXXX relying and thereby reaffirming a fraudulent bill by any killer means. XXXX XXXX landlines no text capabilities XXXX XXXX XXXX XXXX XXXX XXXX court south both city XXXX wa. XXXX, which we have also gave notice do not call remove you added illegally XXXX along with bobs name remove and remove your name from bobs insurance homeowners for fraud n from his taxes, but to no avail if they can scare half the XXXX in each state into, paying n extortedly relying bam scam is okay????????? breaking laws is ok just like bobs ex thinks,,,, she's never stopped filing false forged documents framing XXXX.
10/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30306
 Web
The property in question is my family home since XX/XX/XXXX. My father has an ARM Mortgage with XXXX XXXX XXXX, Payment is about {$480.00}. 2 weeks prior to my fathers death, he quit claimed the home to my mother, his spouse ( XXXX XXXX aka XXXX XXXX ) of 48 years. My mother took over the home mortgage. The mortgage payment had no Escrow or Insurance Payments with the mortgage payment. Then my mother died. The house went into her Estate and the Property Taxes due went stale due to the house being probated in her Estate Will. I continued to make the mortgage payments as required. Taxes for XX/XX/XXXX were waived due to her Estate in Probate. About XX/XX/XXXX a XXXX County Probate Court Executor 's Deed was made and placed the house in to my name ( XXXX XXXX ). XXXX XXXX XXXX was notified in writing and told that I was the property owner and responsible for the mortgage and house issues. I was then sent a letter notifying me that I was place as a contact for the loan and allowed to make property payments. Then about XX/XX/XXXX XXXX XXXX XXXX went paid a non-existent property tax bill to XXXX County. They did this without without any communication with me inquiring about the tax bill or any other issues. Then in XX/XX/XXXX I receive a letter stating they are placing an Escrow Account on the Mortgage for payment of the Taxes. I then call the toll free number and also send a letter disputing the actions. In the telephone call, I am told that someone one will call me back. I hear nothing. I make the payment on the fist of the month as usual. XX/XX/XXXX, XX/XX/XXXX. I receive another statement from XXXX stating that I am late on the Mortgage. I go and make a Payment on XX/XX/XXXX and XXXX accepts the Payment but gives me a hard time to make the payment. The accept the payment. I called again to dispute the Property Tax Issue and on XX/XX/XXXX I sent another letter to XXXX XXXX XXXX, addressed to XXXX XXXX to make an official objection to the way my mortgage account is being handled and to file an objection under the Fair Debt Collection Practices Act. Then I received an XX/XX/XXXX Statement and I made the payment. I find out later when I receive the XX/XX/XXXX. Statement that the XX/XX/XXXX payment is being held in suspense and not posted to any account. I called the XXXX toll free number, and attempt to talk to a Representative. They tell me that they see where I have called previously and someone will contact me. I then send another letter to XXXX XXXX XXXX making my objections known. Then on XX/XX/XXXX I receive a Debt Validation Letter from Bayview Loan Services, LLC advising me that they are attempting to collect a Debt on the Loan. I then called XXXX XXXX XXXX and they advised me that the Mortgage was sold to Bayview Loan Service and XXXX XXXX XXXX could not help provide me any information, I need to contact Bayview Loan Services. I have several disputes pending under the Fair Debt Collection Practices Act waiting on XXXX Responses and communication. I then contact Bayview Loan Services and they tell me they can not provide me any information. I need XXXX XXXX ( My father whom is deceased ). They make me upset. I then wrote a another letter addressed to XXXX XXXX XXXX and Bayview making my Objections Known and disputing everything that has happened. This is the 4th Objection I have sent to XXXX XXXX XXXX in writing and the first to Bayview. I make an Objection to the Debt Validation Letter and the purchasing of the Mortgage that had previous accounting disputes in the account. I am being charged fees, interest and even taxes that they paid that were not due. Now Bayview is assessing their own fees and taxes, plus the purchasing of the mortgage has lost any standing objections that I previously had made. On XX/XX/XXXX I sent Bayview the Objection Letter with signature receipt requested, I enclosed the {$970.00} for the payments of XX/XX/XXXX & XX/XX/XXXX and requested them to be posted. No one will communicate with me about these issues and XXXX is attempting to stick me with a Tax Bill that they paid, that was not due. On XX/XX/XXXX Bayview purchased the Mortgage from XXXX XXXX XXXX without notifying me and, Bayview Loan Services went and paid the XXXX Property Taxes that were not due. I found out when I went to pay them. Bayview Loan Services is trying is adding fees and interest that is not even valid and this is in addition to the issues the started with XXXX XXXX XXXX and I have no avenue to talk to anyone because I keep getting the runaround.
05/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92606
 Web
It is amazing how Bayview Loan Servicing is allowed to continuously and routinely make mistakes to their benefit and the detriment to the consumer. On XX/XX/2020 ( Exhibit A & B ) I reached out to Bayview Loan Services and asked for a forbearance of the loan during the COVID-19 stay-at-home order issued by California Governor XXXX. California Governor XXXX had reached an agreement with Bayview Loan Services to offer forbearance during the stay-at-home order. However, as stated by Bayview Loan Services response to the Consumer Financial Protection Bureau my request for forbearance was not processed due to their error. On XX/XX/2020 ( Exhibit C ) after not receiving any confirmation or acknowledgement from Bayview Loan Servicing, I called their customer services number. I was not able to speak with anyone because Bayview curtailed their customer service hours. I then logged into the online account to reach for any notes or documentation from Bayview. After not seeing any notes on the account and now being flagged as late, I submitted a 2nd request for forbearance which Bayview acknowledges the request being submitted for a 2nd time online. On Wednesday, the XXXX of XXXX ( Exhibit D ), I received a collection call from Bayview. Bayview claims that I was assured that the loan was actively flagged for forbearance. This is not a correct statement the customer service representative called to collect because I was late making the payment. After conveying the request for forbearance for a third time ( Exhibit E ), the customer service representative placed me on hold and Bayview hung up on me. On Friday the XXXX of XXXX ( Exhibit F ), I received more calls from collections asking for payment. Bayview acknowledges their fourth failure ( Exhibit G ) in populating the loan file for forbearance and making collection calls. During the second collection call of the day from Bayview, I advised the customer service representative that I had previously filed for bankruptcy and that this loan was identified in the bankruptcy. Therefore, they should not be harassed and threatened with collections calls. I asked that all communication be made in writing. After losing confidence in Bayviews ability to correctly placing me in a forbearance program as stated and entitled under The CARES Act signed into law on XX/XX/2020, I placed a complaint with the Consumer Finance Protection Bureau only after placing the complaint did Bayview sent me a Forbearance Plan Confirmation Letter. On XX/XX/2020 ( Exhibit I ) I received a later from Bayview Loan Services threatening Notice of Default and Intent to Accelerate and declaring this loan in default and threatening the loss of my home. This will be the fifth failure by Bayview of NOT placing me on a forbearance program. Actions taken by Bayview are in bad faith, gross negligence, and in violation of The CARES Act, California Executive Order N-28-20 from Governor XXXX ( XX/XX/2020 ), and the California Supreme Courts CA Rules of the Court Emergency Rules ( XX/XX/2020 ). During the COVID-19 pandemic, consumers are protected from predatory lending practices being used by Bayview Loan Services. As stated earlier, The CARES AcXXXX protect consumer like myself suffering from the effects of this pandemic. Additionally, California has issued their own protections for consumers ( i.e. CA Governors Executive Order and the CA Supreme Court Emergency Rules ). I find Bayviews reckless errors manipulative to their benefit and threatening foreclosure letters as intimidating and bypassing all consumer protections being offered to consumers. In regard to the balance due Bayview has failed to acknowledged the payments that I have made since XX/XX/2020. I have been trying my best and have made payments on this loan during the forbearance period in question. Again, Bayview is blatantly trying to steal my home by pursuing a foreclosure in violation of The CARES Act and California Executive Orders. In regard to Corporate Advance Fee ( Exhibit H ) of {$84.00} that have miraculously appeared after about 10 years. It is very questionable. This is not a fee that we agree with. Secondly, any miscellaneous fees not associated with the loan ( principal and interest ) are NONE collectable due to the bankruptcy. This loan was identified in the bankruptcy. We ask that this amount be removed once and for all. Bayview or the previous servicer ( XXXX ) have no authority to charge this fee.
04/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60707
 Web
I am a victim of XXXX deceptive lending practices and a fraudulent foreclosure committed by XXXX XXXX XXXX XXXX XXXX who operates a massive money laundering mill with fraudulent foreclosures based on false statements and forged documents claiming to be a " Trustee '' for a non-existing REMIC Trust XXXX XXXX. On XX/XX/XXXX we purchased a mortgage from XXXX XXXX XXXX XXXX ( XXXX ), a Company who was purportedly " organized and EXISTED '' under the laws of New York. We later learned that these statements were lies and deception since XXXX XXXX XXXX XXXX in XXXX was a non-existing corporation which never was organized under laws of New York ( or any other State ). See the record from NY Secretary of State which shows only ONE XXXX registered under laws of New York, a fraudulent XXXX filed in XXXX by con artists. According to SEC filings, XXXX was never a subsidiary of XXXX either. Thus, this loan was originally fraudulent and non-enforceable. In XXXX XXXX was accrued by XXXX XXXX XXXX who was purportedly a " Servicer '' for this Trust and our loan from XXXX to XXXX. According to SEC respond to my FOIA, Trust XXXX XXXX XXXX is a non-existing legal entity, which was never formed, never had any mortgages transferred into this Trust, never had any SEC filings and never had even a bank account. In fact, XXXX XXXX is a part of XXXX XXXX XXXX XXXXXXXX 's massive Ponzi scam based on borrower 's identity thefts and sales of unregulated US securities. It is not a secret that XXXX XXXX XXXX XXXX operates a massive Ponzi Scam in US Courts and illegal trading of void US securities ( aka XXXX non-existing REMIC Trusts mortgages ) where XXXX XXXX XXXX XXXX, acting as a fake Plaintiff for a fictitious Trust, obstructs justice to illegally foreclose on people like myself while banks received enormous profits, at least $ XXXX XXXX from each $ XXXX home by secretly reselling the same loan multiply times without any disclosures to the homeowners or sharing any benefits from trades - plus get the free house and proceeds from the sale. The entire scheme depends completely on concealing the fact that the loan is the cornerstone of a much larger fraudulent scheme wherein the players are going to make money in multiples of the amount loaned. In fact, borrowers, like myself, who signed papers were in fact unknowingly issuing unregulated securities for the sole benefit of investment banks. A foreclosure initiated by a servicer or Trustee fails to comply with applicable law since none of them have the right to enforce the debt. ALL of them have received a benefit and some of them have received a windfall derived from trading on the borrowers signature on the note and mortgage in an amount far exceeding the principal amount loaned. And those benefits or trading profits were derived strictly because they were trading on the signature of the borrower, together with the borrowers name and reputation, without disclosure to the borrower of compensation to be received arising from the origination of the loan and without consent from the borrower to trade on his/her name. Both, XXXX XXXX XXXX ( fake Trustee ) and XXXX XXXX XXXX ( defunct Servicer of non-existing Trust '' ) are perfectly aware that XXXX, who only serves its members, can not accept any assignments from XXXX XXXX XXXX XXXX since this corporation never existed ; and can not transfer any rights to any third parties. Yes, in XXXX XXXX purportedly " assigned '' its " rights '' to XXXX XXXX XXXX via robo-signed Assignment. On XX/XX/XXXX XXXX XXXX XXXX XXXX hired a law Firm XXXX XXXX who submitted a foreclosure case XXXX where the purported " Servicer '' Bayview Loan Servicing LLC tried to enforce my mortgage with XXXX. When my attorneys requested a validation of their rights to enforce, particularly copies of all SEC documents and assignments from XXXX and XXXX, Bayview and their lawyers refused to provide claiming that these documents are " irrelevant '' - while in fact they never existed. Most recently Bayview Loan Servicing Litigation Manager XXXX XXXX filed a Sworn Affidavit where he claimed that Bayview, acting in capacity as a Mortgagee for my loan, and that XXXX is personally familiar with all documents pertaining to my loan. In other words, XXXX intentionally submitted false statements to the Court about Bayview status since he knew or had a reason to know that neither XXXX or XXXX never existed.
01/16/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • TX
  • 76065
 Web
Bayview Loan Servicing LLC, located in XXXX XXXX, FL, is a predatory lender, who has over 1,400 lawsuits against them, as this can be verified through XXXX XXXX. Bayview has over 250 complaints with XXXX, over 190 with XXXX, over 150 with XXXX, and they have a 1 star rating with Consumer Protective Services, as well as over 250 complaints with the Better Business Bureau, which they do not subscribe to. Bayview conspired with the Chapter XXXX Trustee 's Office to plan on illegally foreclosing on our properties, and split the illegal profits. This is fully documented in the Neystels ' Chapter XXXX Bankruptcy filing. My Mother and I had to battle for years and go to the Whitehouse 3 times, and after 6 long, angonizing years, the Chapter XXXX Trustee was ordered to back off on the collections of a judgment taken illegally. However, the Federal Judge, took the illegal judgment off of my Mother, yet, in retaliation, left the illegal judgment on me. Bayview, in XX/XX/XXXX, foreclosed upon our properties, in violation of a Federal Automatic Stay afforded by the Bankruptcy Laws of the United States Code. I finally had to go to a hearing before the judge, and present evidence, with counsel, proving Bayview illegally foreclosed on the properties, while violating an Automatic Stay. Thereafter, the Judge ruled to have the illegal foreclosures rescinded. During this time, Bayview obtained an in rem order, that was taken against me, illegally, as Bayview 's predatory attorney, XXXX XXXX, admitted on court record, that he was aware that I was hospitalized during the time of the hearing. This is on appeal concerning the in rem order. These illegal actions have caused irreparable damage, along with the still lingering approximate {>= $1,000,000} judgment still haunting me. Bayview has charged fraudulent interest, and charges, on our accounts. On XX/XX/XXXX, Bayview, again illegally foreclosed on our properties, while violating an Automatic Stay in place with my Bankruptcy Petition, as well as violating an Automatic Stay in place with my Sister 's Bankruptcy Case Filing. My Sister was protected by the Automatic Stay, when the second illegal foreclosure took place on XX/XX/XXXX. The law is very clear, yet simple, there was not only one Automatic Stay in place, yet also my Sister 's Automatic Stay was also in full force. Bayview, the predatory lender 's attorney, XXXX XXXX, took my Sister to a Court hearing around mid XX/XX/XXXX, while my Sister was in the hospital, and a note from the Doctor was filed with the Court, as well as given to the Judge, showing she was hospitalized, and because of all the corruption and drama, as well as the fear of becoming homeless, she XXXX XXXX, and is still to this day hospitalized. Numerous case laws, as well as being supported by the United States Code, clearly says a Court can not rewrite the laws and history, which have established you can not retroactively lift an Automatic Stay that was in place, in this case there were two in place on XX/XX/XXXX. The Judge in my case, and in my Sister 's case, both had the audacity of making accusations that my Sister is playing games, and I have committed perjury, which is absolute nonsense. The will was never probated, within the timeframe that the law allows. Therefore, my Sister, XXXX XXXX, as well as my Brother, XXXX XXXX, and I, all retain a 1/3 interest in the Estate. This has created the entire family to be broken apart, and contest the heirships of the properties. I am currently XXXX XXXX, and due to my financial hardship I am being forced to represent myself. Bayview, the predatory lender, by and through its counsel, continue to schedule hearing after hearing, and in the midst of this kaos, my doctor has provided numerous doctor 's notes stating that I am XXXX XXXX, can not read my pleadings, and am unable to attend any hearings until mid XX/XX/XXXX, providing that my eye procedures have gone as planned. I will be glad to provide copies of Court transcripts, and copies of any filings regarding these matters discussed above. Please contact me by phone, as if I receive any letter, or email, there will be a delay in me receiving the information contained within, because I have to have someone else read everything for me. You can contact me 24/7, with any questions you may have, or any input. Thank you in advance, XXXX XXXX ( XXXX ) XXXX
08/23/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60002
 Web
Was notified by XXXX of my servicer changing as of XX/XX/XXXX on XX/XX/XXXX and in that letter was told Bayview would be sending a welcome letter by XX/XX/XXXX ( still have never gotten it ). XX/XX/XXXX Was able to register on Bayviews website, obtained loan number however when I attempted to make my XX/XX/XXXX. payment online was given an error message unable to process at this time contact customer service. Also per their information my loan was past due for XX/XX/XXXX. ( This was paid to XXXX I send a QWR by certified mail to XXXX and Bayview ) ( can provide copies and certified mail receipt if needed ). XX/XX/XXXX Called Bayview and spoke to XXXX at XXXX XXXX to question the incorrect info ( my account being past due for XX/XX/XXXX ) and was told that they could not speak to me until my Chapter XXXX lawyer send them a letter allowing them to discuss my mortgage. Obtained the email and fax number and requested my lawyer send and fax and copy me on the email. I asked when they were planning on communicating this with me and they said after my lawyer allowed them to. XX/XX/XXXX Sent payment of XXXX through my credit unions electronic bill pay. The payment was completed on XX/XX/XXXX. XX/XX/XXXX Called Bayview because my account was not reflecting payment. Spoke to XXXX at XXXX XXXX since the payment was still not being reflected I made an additional payment of XXXX which was processed and posted to my account on XX/XX/XXXX. XX/XX/XXXX Called Bayview because the payment made from my credit union was still not reflected on my account. Spoke to XXXX at XXXX XXXX. Was placed on hold so he could check with escalation department also informed him that I never received the welcome letter from Bayview as required by law. I was asked to fax bank statement showing the withdrawal from XX/XX/XXXX and the one Bayview withdrew on XX/XX/XXXX and fax to the escalations dept. ( XXXX ) atten : XXXX. This was done on XX/XX/XXXX at XXXX. I was told I would get a call back from XXXX. ( Can provide copies if needed ). XX/XX/XXXX No call and the payment from my credit union still was not reflected on my account. Called to check the status of the escalation spoke to XXXX at XXXX and was told that the payment should be applied within 24-48 hrs. Was never told why it was not applied when it was received. She told me she though since I had sent proof of payment that I wanted a refund since 2 payments were made. I stated no since they were saying that I was behind for XX/XX/XXXX I wanted that payment applied to my account ( even thought I wrote a dispute letter, see XX/XX/XXXX ). The told me they would apply to XX/XX/XXXX payment since the one made over the phone to Bayview they applied to XX/XX/XXXX and that she put in the request and it would take 24-48 hrs. to process. XX/XX/XXXX Checked online STILL no payment applied. Called and spoke to XXXX at XXXX and was told that they put that payment into a suspense account ( this was the first I had been told this ). She was not able to explain why is was not applied as I was told onXX/XX/XXXX by XXXX. I was put on hold so she could apply it. She told me she put in a request to move the money as they can not move it directly themselves. I also asked why I was still not able to pay online and was told that my account was flagged but she could not tell me why and that she needed to call another dept. to check. Was put on hold again. The call rang back and now I was speaking with XXXX at XXXX. She told me she could not move the payment since I am in chapter XXXX the payment has to be moved by the bankruptcy dept. so she put in a request so they could move it and then was told that I could make payments through bill pay but they would not be applied to my account they would be put into a suspense account every month until the bankruptcy dept. moved them over to apply to my account. I told her that this was never an issue with XXXX and that services are required by law to post payments we they are received and that Bayview was in violation of the law ( CFPB amended Regulation X ( Real Estate Settlement Procedures Act ( RESPA ) ) and Regulation Z ( Truth-In-Lending Act ( TILA ) ) Section 226.36 ( c ). I was told this is their process. Was told it would take 24 hrs. to move the payment and that every month I will have to call to make sure the payment is moved from suspence to my actual loan account.
04/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 490XX
 Web Servicemember
For the past 3 weeks, we have been trying to make a mortgage payment, in fact 2 of them. Our state is quarantined. because of a mistake made by Bayview back in XX/XX/XXXX when our mortgage was given to another company, by putting our mortgage through a number of times, we had to place a stop hold at our bank-at their suggestion, for any further payments from Bayview to stop and find an alternative to making the payments. We started going to our local XXXX where they had XXXX XXXX and were able to pay XXXX with cash then they would send the payment through t Bayview. Last month, we were also told by our local bank that because of this mix up, we should be able to have Bayview put this payment that was behind because of the mixup added on the end of the loan so we would be current. We filled out paperwork and sent it in. Bayview then decided that we would have to do a loan modification. WE DID NOT ASK FOR A MODIFCATION OF THE ENTIRE LOAN. We only stated on the paperwork and asked for the one deliquent payment that was caused because of their mistake at our bank, to be put at the back of the loan and we would be current. In return we received pages and pages of documents that we had to return and assigned a BANKRUPTCY ASSET MANAGER XXXX XXXX. We have no intention of filing for bankruptcy and we did not need a modification. After trying to tell them we did not want this, and showing our bank and a local VA advisor the documents, we were advised to disregard and to continue making payments the best we can. We have called approximately 5 times in the past month. We have tried 6 times online, on the APP and on the phone to make a payment. We talked to a gentleman the first week of XX/XX/XXXX who automatically told us that we were eligible for the forebarrance and we would be getting paperwork in the next week. We told him we were not able to get to our local western union to make the mortgage payment and had asked for options. He said to wait to get the paperwork and do not worry about it. Week 2.. We never got any paperwork. We called again and told Bayview that we needed to make a payment but our state is quarantined and we can not go into the store. Can we make one online and on phone because it is not working. They told us in order to be eligible for a forebarance we have to talk to Mr. XXXX. She connected us to leave him a message. We wanted all coorespondence in email since we do not know why this person is handling our account at this point so when she put us through to his voice mail, we had asked him to email with information. He did not and also did not return a call. Later in the week, we called at various times after speaking with our bank regarding why the payments would not go through. We then called Bayview and were told that in order to pay, we had to have a fax from the bank that it was ok to put a payment through. We then called again to let them know that the bank representative told us that it would not be until the following week that she could fax over the needed information that Bayview said they needed in order to make a payment. We called Bayview again in week number 4 to ask if they had received the fax. They said they did not and to call back yesterday. We tried to call and were disconnected so we tried to make a payment and it again, would not go through. The money for a payment has been in our bank for 3 weeks. We have tried at least 7 times to make a payment. We want ONE payment to go through, with a confirmation number so we can make another. It will not go though. See document. Then today we got notified by the past office that we had 2 registered letters. We went to get them and they were from Bay View. Threatening to seize our home, in the middle of this health crisis for lack of payment and default. In the same mail, we received a letter that we were denied a modification. In another letter, it states that we are approved for a deferment. We do not want or need this. We finally have the funds for catching up and being on track and they will not let us! We asked for help with ONE payment being added on the end of our mortgage so we could get ahead last month AND THEY WOULD NOT HELP! Now they are threatening to take our home for one payment. Our bank faxed over the information they requested. They are more interested in taking our home than helping us with our payments
01/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20876
 Web
As a follow-on to my complaint filed Reference Case No. XXXX. For past 2 years I have been working with Bayview on a Short Sale with no end in sight due to Bayview 's broken administrative process. There seriously seems to be something wrong across the board for Mortgage Bank Servicers and I am begging on my hands and knees for regulating agencies to intervene and help them. In numerous instances my loan was transferred to several Asset Managers. I get it and understand that the Loan Modification Department is overwhelmed due to the economic breakdown in our country but does it mean that the integrity of the Homeowner 's file should go away when it is transferred or if there is a lull period during the approval process that documents should go missing or expired. But guess what CFPB it happened to me just like the other hundreds of complaints filed against Mortgage Servicers such as Bayview because either the Code of Federal Regulations needs to ramped up and clauses that reside for Loan Modification and the administrative handling of homeowners files need greater clarity and transparency for homeowners. For example last year my file was still being processed by Bayview under the HAFA program even though that program was no longer effective as of XX/XX/XXXX. This was a huge oversight by Bayview that ultimately cost me a contract because I had to restart the process with underwriting. Just imagine my file got passed their trained and potentially qualified Asset Manager who submitted my package under HAFA when the program did not exist. But it did not stop there during the lull of my file being transferred to another Asset Manager you guessed several of my documents expired or got lost be it the appraisal, forms, bank statements, pay stubs or other mandatory document and it does not take a genius to figure out what happen ... yep my file could not go to underwriting because go figure it takes 72 hours to upload any documents into the system but in the meantime the clock is ticking for the submittal ahh, ah I have to restart the process all over and resubmit another application and do a complete package ... .how many times did this happen to me and other homeowners with Mortgage Bank Servicers let 's pull out a magnifying glass and take a look or maybe someone is willingly to reach out to the Government Accountability Office so homeowners can get this transparency. Somebody needs to do something outside of CFPB and Federal Reserve Board to ensure we are treated fairly and establish realistic, attainable timelines for homeowners. If a case resides with a Mortgage Servicer for a workout option passed a certain time there is no recourse for the homeowner ... has anyone thought about that? What is a fair time period where a file is being reviewed what is a fair time period to get a workout option ... .why does it take an inordinate period of time to get approvals. Why are Servicers in my case working with antiquated systems. I am praying for a kumbaya moment for me and other homeowners that are dealing with mortgage servicers where they are batting zero. I am begging that someone intervenes and help me with my Deed in Lieu of Foreclosure. I am hoping that one day there will be a light shown for me by Bayview at the end of the tunnel I have been hanging in there for 2 years now. So what I learned today on XX/XX/XXXX, Bayview is unable to settle on my Deed in Lieu because XXXX XXXX XXXX can not settle for the XXXX being offered and want XXXX ... did I tell you guys when my application was initially submitted I qualified for HAFA? Since that time, sadly my bag is empty and well this is a no-brainer Bayview wants me to figure out a way to come up with the rest of the XXXX to get from under the property even though I submitted gosh more than 4 ratified contracts to them. I just do n't know. Oh and let 's not forget that I need to clarify even though Bayview approved only one of my contracts on XX/XX/XXXX it took so long to get the file approved I lost the buyer. Since that time you guess it I have been batting zero. Who am I? I am a full-time working single mom of XXXX, a XXXX, a XXXX XXXX XXXX and a customer of Bayview Loan Servicing that is on my hands and knees pleading, begging and wanting a resolution to do the Deed in Lieu so that we can restart our lives and afford the basic necessities in life.
02/18/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 11756
 Web
I will like to stress my frustration with working with Bayview Loan Servicing and XXXX XXXX as an investor on a Loan Modification Process that started more than 4 years ago. Not only have they not cooperated with the circumstances and guidelines, but they have been so unorganized when it has come to this process. It all started with a simple request of a Loan Modification that started 4 years ago with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX had approved me for a Loan Modification but they miscalculated the escrow 's which made my payment doubled ever since. I have requested multiple loan modifications since then, but they had advise that the file was needed to be placed on hold until Bayview Loan Servicing could obtain a Servicing right, and they would be the one 's moving forward with my negotiations. The Loan Modification Process was going well and they had approved me for a Trial back in XXXX of XXXX. I was so pleased because I was going to save my home that I have worked so hard to maintain.The Asset Manager at the moment, advised to prorate the payments this way the payments will be done on time. I Scheduled the 3 Trial Payments with him, and the payments will be posted for XX/XX/XXXX, XX/XX/XXXX and to be completed with XX/XX/XXXX. The XXXX payments were posted correctly and the Trial for the Loan Modification Process started. Once it reached the XXXX Payment, the payment was not executed. I called the Asset Manager and left a Message. The Asset Manager did get back to me and left another Message for a Callback. After a 3rd tried, I got in contact with another person in Customer Service and scheduled a callback with Asset manager. The Asset manager called me and advise that it was an accounting error, and the payments will posted. A month had past by and no payment was yet posted. When I called Bayview again, they mentioned that the payments will be posted for XXXX and XXXX, and not to worry about it because the payments were already authorized. XXXX past by and no payments were posted. I left numerous messages with no call backs until I received a Letter from Bayview that the Loan Modification was Denied because of No payments received in my account ''. How can this be possible when I authorized the payments, received confirmations regarding my payments, did my duty to call back to make sure they would go through and they mentioned it would be ok until my file was denied. I believe they did this on purpose to make sure my file gets denied for no purpose and to continue the Foreclosure action against myself. i requested a Loan Modification again and they granted to be reviewed. When I call for status, they always advice I needed to speak to Asset Manager and he never called back. I managed to get in contact with him, and he kept requesting information over and over again the information to drag along the file for months, then my file was again denied and this time due to the fact that " file was incomplete ''. How can this be done again when I complied with the documentation needed, I felt they did this on purpose again and its to a point that they have no organization once so ever. i requested another Loan modification back in XX/XX/XXXX. They opened a template. Till this day, I have not heard from any Asset manager Requesting no information until I called Bayview directly, and they advise me of the sales date. I have reached out to Asset Manager by email, phone calls, and even scheduled a callback with no results. This company has the worst organization when it comes to Processing a Loan Modification. I have complied with everything that is needed, even with the payments of the previous trial modification, and till this day, we have not being able to resolve the issue. I want to save my house, I make enough money to save my house, but now im on the verge of loosing my house due to mis interpretation of my file and mis organization. I have a sales date of XX/XX/XXXX, Im willing to cooperate with anything that is needed, I just need help. I would like to escalate my file to upper management because I'm walking a thin line before the Foreclosure Sale. I just want my file to be reviewed for the Loan Modification that I know I can qualify for, and the package has been sent more that 40 days to have my file be reviewed.
06/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
On XXXX XXXX, XXXX, I received an email from Asset Manager XXXX XXXX stating he had sent out the permanent conversion/modification package I had been waiting on since XXXX XXXX, On XXXX XXXX, XXXX I responded to XXXX XXXX XXXX in an email stating First, thank you for your email ; however I have n't received your package yet. Due to a family emergency which resulted in death I have been in California since The beginning of XXXX XXXX. Before I left in XXXX I checked the porch for any packages like I have been doing since XXXX XXXX and there was no package from Bayview on the porch. Before I left in XXXX XXXX, I also called Bayview made them aware of the situation and told them I have been waiting on the loan conversion permanent modification package since XXXX XXXX and I was becoming frustrated I told them to have you and XXXX XXXX call me but I did n't receive a call until XXXX XXXX XXXX. On XXXX XXXX XXXX when XXXX XXXX emailed me I was spending the last moments with my family member before death, preparing my children for the worst, planning funeral arrangements. In the email I also stated On XXXX XXXX, XXXX, my family member died. The funeral is on XXXX XXXX, XXXX, and I will be back in Arizona XXXX XXXX, XXXX. Today I 'm at the funeral home and I will call you and XXXX XXXX today after leaving the funeral home. I called XXXX XXXX and he gave me the stated that the package would be on the porch when I got back on XXXX XXXX, XXXX and that I would have twenty business days to have the package reviewed by an attorney and back to them. XXXX XXXX also indicated since the conversion modification package was backdated to XXXX XXXX and we would just now be signing the package in XXXX XXXX, that we would be two payments behind because Bayview Loan Servicing employees had told us to stop making payments so we did n't make payments in XXXX XXXX and XXXX XXXX but did start again in XXXX XXXX when we found out the scheme Bayview Loan Servicing was doing by telling us to miss payments so we would be behind in payments by the time Bayview Loan Servicing sent the conversion modification package. On XXXX XXXX, XXXX, upon returning to Arizona there was no conversion Permanent Modification package on the porch and Bayview Loan Servicing had already started foreclosure on our home. On XXXX XXXX, XXXX, I spoke to Manager of our Asset Manager XXXX XXXX of Bayview Loan Servicing and I told him because Bayview Loan Servicing employees had told us not to make payments that I was n't going to sign documents dated back to XXXX XXXX on XXXX XXXX nine months later when Bayview Loan Servicing llc and its employees set this scheme up with the two missing payments to foreclose on our home. On XXXX XXXX, XXXX, I also told XXXX XXXX that AFTER CHECKING MY FRONT PORCH FOR OVER 200 DAYS FOR A CONVERSION MODIFICATION PACKAGE that the package XXXX XXXX stated would be on my porch XXXX XXXX, XXXX and I would have 20 days to review and sign was n't there. XXXX XXXX told me packages had been sent I then asked him why in several phone calls Bayview Loan Servicing employees stated on multiple occasions nothing had been sent out and errors had been made and to wait an additional 60 to 90 days. I also stated, why would n't Bayview Loan Servicing have me sign for the package because I am not receiving them XXXX XXXX stated it was because the package was sent out XXXX I then told him XXXX has packages that can be signed for. XXXX XXXX also was surprised that multiple Bayview Loan Servicing employees had told me the balloon payment and balance would be at 0 percent interest. I also told XXXX XXXX that I due to my XXXX all my phone calls are recorded and my Asset Manager XXXX XXXX had given me a blanket release to record all phone calls with Bayview Loan Servicing due to my XXXX and that I would have to have my nurse review the calls and give him the names of employees that told us not to make payments and that the balloon balance and payment would be at zero percent interest, and that errors of posting payments and errors had been made on our loan conversion and that is why it has taken almost a year after we have made three trial modification payments for Bayview Loan Servicing to send out a conversion permanent modification package.
10/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 954XX
 Web
There is an illegal, fraudulent and willfully oppressive sale of property scheduled for my home at XXXX XXXX XXXX in XXXX California on XX/XX/XXXX. Bayview Loan Servicing lacks the contractual authority under the Deed of Trust and the statutory authority under Civil Code 2924 to conduct a nonjudicial foreclosure sale. Bayview is obligated not to foreclose absent certain conditions precedent as stated in Section 22 of the Deed of Trust and Bayview breached that obligation by initiating a foreclosure sale although the conditions precedent were absent. The alleged default exists only by virtue of misconduct on the part of Bayview and XXXX XXXX XXXX and their own breach of its terms. ( See Civ. Code, 1511, ( 1 ) [ performance excused when such performance is prevented or delayed by the act of the creditor ]. ) Their actions do not conform sufficiently with the DOT as to allow Bayview to invoke the power of sale. Under California contract law, " hindrance of the other party 's performance operates to excuse that party 's nonperformance. '' ( Erich v. Granoff ( 1980 ) 109 Cal.App.3d 920, 93 ; " A foreclosure sale in which performance has been prevented could be considered illegal and even willfully oppressive, Citrus El Dorado , LLC v. Stearns Bank NA , No. E067610 ( Cal. Ct. App. Apr. 11, 2019 ). This supported an action for wrongful foreclosure. An obligor may not prevent the performance of an obligee and then demand a tender of performance that the obligor itself frustrated. See Cal. Civ. Code 1511-12 ; Harris v. Wells Fargo Bank, N.A., Case No. 12-cv-05629-JST ( N.D. Cal. Apr. 30, 2013 ) ; " By force of the provisions of section 1511 of the Civil Code, prevention by one party will excuse want of performance or delay on the part of the other. '' ( 6 Cal.Jur., p. 436, sec . 261. ) 1 " A party to a contract can not take advantage of his own act or omission to escape liability therefrom, and performance of a contract is excused when prevented by the acts of the opposite party, or is rendered impossible by him. '' ( Ray Thomas, Inc., v. Cowan, 99 Cal.App. 140 [ 277 P. 1086 ]. ) Taylor v. Sapritch, 38 Cal. App. 2d 478, 101 P.2d 539 ( Ct. App. 1940. ) The sale is fraudulent as the " default '' was induced by XXXX 's as part of a scheme to increase profitability at the homeowner 's expense by offering improved loan terms if payments were skipped then refusing payments and initiating foreclosure. The homeowner is kept in default as long as possible while they earn special servicing fees and allow payments to accrue at the note rate. Bayview can then either modify and add the arrears to the principal and earn interest on interest. Or they may choose to foreclose despite having induced default and being themselves the party in breach. This is only the latest in the systematic pattern of unlawful conduct that began with a predatory loan that was procedurally and substantively unconscionable with deception at origination and monthly payments in excess of my income. As a result, I ended up in Chapter XXXX where the payments were 89 % of my income not including overcharged escrow. Throughout the life of the loan XXXX and Bayview have exploited their position of authority and control by deceptive and fraudulent means in an effort to benefit at my expense.This is a willfully oppressive abuse of power. The disparity of economics requires a homeowner to either accept the loss of their home or divert funds that could have made loan payments into a Quixotic effort in the legal system against an opponent with comparatively limitless resources. It is outrageous for financial institutions to deliberately harm consumers for profit. It is foreseeable that homeowners subjected to these practices, having their homes wrongfully taken from then will experience extreme emotional distress. Prolonged states of XXXX XXXX, it is well known, can lead to physical ailments. After years of fighting for my home I've suffered a XXXX related XXXX injury that impedes my XXXX XXXX XXXX and appears to be a XXXX condition. Mobility seems a high price but one I've been willing to pay to keep my home. If the sale goes through I'll have neither.
11/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
IT IS ILLEGAL FOR BANKS AND SERVICERS TO REQUIRE BORROWERS TO SIGN A WAIVER GIVING UP THEIR RIGHTS AS A CONDITION FOR APPROVAL OF A PERMANENT MODIFICATION. BAYVIEW LOAN SERVICING HAS ALREADY DUAL TRACK BORROWERS FOR OVER A YEAR AND NOW THEY WANT BORROWERS TO SIGN A CONDITIONAL WAIVER SO BORROWERS CA N'T SUE THEM WHEN THEY DUAL TRACK BORROWERS AGAIN AND AGAIN AND AGAIN Bayview Loan Servicing LLC, failed to acknowledge their dual tracking. On XXXX/XXXX/XXXX, Sub-Servicer Bayview Loan Servicing acted intentionally, fraudulently and in conscious and callous disregard for the rights of the borrowers. The damages caused by wrongful foreclosure are tantamount to intentional malice. A beneficiary or trustee under a deed of trust who conducts an illegal, fraudulent or willfully oppressive sale of property may be liable to the borrower for wrongful foreclosure. A foreclosure initiated by one with no authority to do so is wrongful for purposes of such an action. Sub-servicer Bayview Loan Servicing, its assignee or an agent acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX instructed Sub-servicer Bayview Loan Servicing to initiate and complete a nonjudicial foreclosure sale at the same time borrowers are in a active current workout and making monthly trial modification payments for over a year. The borrowers challenge the wrongful foreclosure and the authority of Sub-servicer Bayview Loan Servicing who claims it by assignment. The borrowers wrongful foreclosure claim is based on allegations that the foreclosing party Sub-servicer Bayview Loan Servicing acted without authority because the assignment by which it purportedly became beneficiary or trustee, under the deed of trust was not merely voidable but void. 1 ) Sub-servicer Bayview Loan Servicing to put into writing who the true secured lender is? 2 ) Sub-servicer Bayview Loan Servicing to put into writing they foreclosed on behalf of XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX its assignee or an agent acting on behalf of XXXX XXXX XXXX XXXX XXXX gave the authority and instructed the trustee to initiate and complete a nonjudicial foreclosure sale. The borrowers assert Sub-Servicer Bayview Loan Servicing lacked the authority to foreclose ; because XXXX XXXX XXXX XXXX XXXX who invoked the power of sale isnt the true beneficiary. Therefore, Sub-Servicer Bayview Loan Servicing inability to follow appropriate foreclosure procedures, have caused them to participate in acts of unfair and deceptive practices including, but not limited to, the following : a ). failing to properly identify the foreclosing party ; b ). charging improper fees related to foreclosures ; c ). preparing, executing, notarizing or presenting false and misleading documents, filing false and misleading documents with courts and government agencies, or otherwise using false or misleading documents as part of the foreclosure process ( including, but not limited to, affidavits, declarations, certifications, substitutions of trustees, and assignments ) ; d ). preparing, executing, or filing affidavits in foreclosure proceedings without personal knowledge of the assertions in the affidavits and without review of any information or documentation to verify the assertions in such affidavits. This practice of repeated false attestation of information in affidavits is popularly known as robosigning. Where third parties engaged in robosigning on behalf of Master Servicer XXXX XXXX XXXX, they did so with the knowledge and approval of Master Servicer XXXX XXXX XXXX ; e ). executing and filing affidavits in foreclosure proceedings that were not properly notarized in accordance with applicable state law ; f ). misrepresenting the identity, office, or legal status of the affiant executing foreclosure-related documents ; g ). inappropriately charging servicing, document creation, recordation and other costs and expenses related to foreclosures ; and h ). inappropriately dual-tracking foreclosure and loan modification activities, and failing to communicate with borrowers with respect to foreclosure activities.
03/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 333XX
 Web
I have been in the process of trying to short sale my property to avoid foreclosure. Bayview Loan Servicing out of XXXX has been the company named by mortgage provided to process all necessary documentation to resolve the matter. As of XX/XX/XXXX I sent them the first short sale offer on the property. As of XX/XX/XXXX, I received a letter saying we had completed a full Loss mitigation package and they needed additional information from other parties. From there it has taken many follow up calls during which the Bayview representatives were very difficult to get a hold off, even when we schedule calls with them at their request and identified all email communication as they had required us. They would not show up for calls we scheduled in at least three occasions and when we ( my realtor and or myself ) got a hold of them, they would request the same information, not be informed about prior conversations or current status on the approval of the short sale. I received letters which indicated that while I had completed the package, they could request more information and from there it would take another 30 days to complete. We did not get request for additional information we had not sent before. It took until XX/XX/XXXX, two months after having received noice of complete package to finally hear that the initial offer was not accepted and that the bank was requesting a higher selling price. That info was provided by phone to my realtor, no letter on this. Knowing that the price the requested was higher than what the market was offering, my realtor, at Bayview 's suggestion put together a price challenge package with current market information and also submitted a second offer as the first one by then had expired. That second offer was submitted during the first week of XXXX and after weekly or twice per week calls with Bayview agent, which continued to be difficult to get a hold off and did not actively monitored the progress of the offer approval, as it became evident he was reading and looking for info only when my realtor would contact him, we still do not have an answer on approval. We have now received a third offer, only $ XXXX away from the bank asking price, this is the best one we have got. Upon submitting to Bayview again, we got an message from loan agent that he will be out until XX/XX/XXXX of this year. This is the second agent at loan servicer we are dealing with. When we called today to escalate and demand answers since last agent wil be out for 20 days, we got a new person that requested us to fill form XXXX, which is the initial request for loan modification. That document had been submitted back in XXXX, was acknowledge in writing by Bayview and their letter requested further paperwork to consider the first offer we had submitted. Unreal that new person ( as we escalated case today ) is attempting to take us back to day one, when they have consumed so much time, till the foreclosure deadline on making zero progress for the investor who asked them to " service '' this loan. The foreclosure sale will happen on XX/XX/XXXX, if short sales does not happen before. We have made every possible attempt to follow up and present offers that meet the investor expectations, but we are certainly bound by market conditions. The lowest offer was less than 5 % off from bank asking price, but out biggest problem is Bayview is not moving the approval process appropriately so offers are falling through. In fact Bayview Loan Servicing has been grossly mismanaging the approval process on the short sale, by not providing availability of personel as promised, status of approval, pending items, communication and requesting same information multiple times, where they are creating significant risk of true loss of potential revenue for the third party they represent, loss of revenue for my realtor and my property to go through foreclosure instead of a short sale. Expect you can help us resolve, what I can, without any doubts call the worst services experience I have had in my life, not even considering how much money is at stake here.
04/30/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • VT
  • 052XX
 Web
THIS IS OUR RESPONSE TO BAYVIEW CASE # XXXX INITIATED ON XXXX/XXXX/XXXX. BAYVIEW SENT AN ACCOUNT ACTIVITY STATEMENT. ON THIS STATEMENT WE SEE SEVERAL CHARGES : XXXX/XXXX/XXXX FIR {$27.00} LABLED XXXX. REPAYMENT, XXXX/XXXX/XXXX FOR {$25.00} LABLED MISC. CORP. DISPURSEMENT XXXX {$970.00} FOR TAXES PAID BY BAYVIEW XXXX XXXX XXXX THAT WE WERE UNKNOWN TO US AND UNAUTHORIZED, ON OUR MORT. STATEMENT IS A {$160.00} ESCROW ADVANCE LINE AND A # XXXX MISC TAX BILL LINE DATED XXXX/XXXX/XXXX, XXXX/XXXX/XXXX {$27.00} MISC. CORP. DISP., AND AGAIN ON XXXX/XXXX/XXXX FOR ANOTHER {$5.00}, XXXX/XXXX/XXXX {$75.00} XXXX & XXXX EXP. NOT AUTHORIZED AND TOLD BY XXXX XXXX THIS HAD TO BE DONE TO PROCEED WITH THE MOD., AND WE NEED TO PAY IT, AS OF TODAY WE HAVE NOT AND WILL NOT AS AGAIN IT WAS NOT AUTHORIZED, XXXX/XXXX/XXXX {$25.00} MISC. REPAYMENT, XXXX/XXXX/XXXX THE SAME {$75.00} AS XXXX/XXXX/XXXX, XXXX/XXXX/XXXX {$5.00} MISC. REPAYMENT FEE, XXXX/XXXX/XXXX {$140.00} ADJUSTMENT? DO NOT EVEN KNOW WHAT ALL OF THESE FEES ARE THEY ARE NOT IN ORDER AND SHOULD NOT BE ON OUR ACCOUNT. THESE FEES ARE NOT JUSTIFIED AND ARE FORCEPLACED, AS NO FEES WERE SIGNED FOR OR AUTHORIZED. RESPONSE # XXXX AGREE WITH BAYVIEW THAT THE ORIGINAL LOAN WAS ESTABLISHED BY XXXX XXXX AND SOLD TO THEM, WE WERE IN THE PROCESS OF FINALIZING WRONGDOING ON THEIR PART WHEN OUR MORTGAGE WAS CONVENIENTLY SOLD, WITH THE SAME ISSUES THAT BAYVIEW IS NOW DOING. WE HAVE REASONS TO BELIEVE THAT THEY ARE XXXX OR A SISTER COMPANY AS THEY ARE PRACTICING THE SAME WRONG DOINGS. RESPONSE # XXXX XXXX XXXX MAILED XXXX & XXXX TAXES AFTER FILING OUR PERSONAL FINANCIAL STATEMENT AND LETTER OF WHY WE ARE APPLYING. XXXX/XXXX/XXXX REC 'D A LETTER THAT THEY REC 'D INFO AND WHAT TO EXPECT NEXT. XXXX/XXXX/XXXX REC 'D A LETTER STATING XXXX XXXX WAS ASSIGNED TO US AND WILL ASSIST THROUGH THE PROCESS. XXXX/XXXX/XXXX LETTER WAS REC 'D REQUESTING OUR INSURANCE, MAILED XXXX AS WELL AS XXXX QUARTER PROFIT AND LOSS REQUESTES BY XXXX XXXX BY EMAIL AND XXXX. SHE CLAIMS SHE NEVER REC 'D BUT WE GAVE TRACKING # WHEN OVERNIGHTED AND THEN SHE SEEMED TO REMEMBER ALSO INCLUDED WAS THE XXXX LETTER AND AGAIN XXXX TAXES. ON XXXX/XXXX/XXXX REC 'D A LETTER DATED XXXX REQUESTING OUR TAX ID, WE SENT BACK OUT BY MAIL THE SAME DAY AND ON XXXX/XXXX/XXXX REC 'D ANOTHER LETER ASKING FOR THE SAME INFO, AND WE SENT AGAIN. ON XXXX REC 'D A PACKET THAT BAYVIEW DID A OUTSIDE APPRAISAL. THIS WAS NOT KNOWN ABOUT OR ATHORIZED AND THEN WE WERE CHARGED THE {$75.00}. WE WERE DENIED A MODIFICATION THE FIRST TIME BASED ON OUR % NOT MEETING THEIR GUIDELINES, AND TOLD BY EFURU TO RE-APPLY, IN XXXX WE DID RE-APPLY AND XXXX XXXX TOLD US WHAT WAS NEEDED. BAYVIEW REPLIED PARTALLY TO INITAIL COMPLAIN THAT STAES DATES IN XXXX XXXX AND JUMPS RIGHT TO XXXX XXXX. WHERE ARE ALL THEIR INFO IN BETWEEN? WE HAVE COPIES IF THEY ARE NEEDE TO REFRESH THEIR MEMORY. I DID IN FACT QUOTE WE CAN NOT KEEP PAYING OUR ACCOUNTANT FOR INFO NEEDED, THAT IS WHY WE ARE IN NEED OF A MODIFICATION, BAYVIEW TELLS US XXXX THING AT A TIME THEY NEED AND PROLONGS THE PROCESS THIS IS WHERE INTENTIONAL STALLING COMES INTO PLAY. WE HAVE TO SEND OVERNIGHT SIGNED DOCUMENT/S BECAUSE THEY ARE SAYING THAT THEY ARE NEVER REC 'D WHICH IN TURNS COST US MORE MONEY.XXXX REC 'D A REPORT OF OUR ANNUAL STATEMENT NO LETTER OF EXPLANATION, NO AUTHORIZATIONS, ( ESCROWED TAXES ) AND XXXX XXXX STATES XXXX XXXX AUTO GENERATED AND NOT TO WORRY WE SAID WE WERE CONCERNED AS IT WAS NOT AUTORIZED AND NOT MODIFIED.SHE ASKED FOR MORE BANK STATEMENT WHICH WERE SENT BY EMAIL ON XXXX/XXXX/XXXX AS WELL AS XXXX & XXXX QUARTER PROFIT AND LOSS ALSO SENT OVERNIGHT TRACK # XXXX. XXXX REC 'D DECLINE ONLINE CALLED XXXX XXXX AND SHE SAID WE ARE NOT DECLINED WE ARGUED IT IS ONLINE AND AFTER SEVERAL ATTEMPTS, SHE SEEMED TO FIND IT. SEVERL ATTEMPTS, MISLEADS AND INTENTIONAL STALLING AND XXXX DECLINES XXXX SPOKE WITH XXXX ON XXXX/XXXX/XXXX AND HE LED XXXX TO BELIEVE THAT IF WE DID NOT HAVE OUR {$5700.00} ON OUR XXXX 'S FROM THE ACCT.THAT SHOULD PASS US IN THE % TO BE MOD. WE ARE IN PROCESS OF LEASE TURN IN TO HELP US.
04/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
 Web
Late fees and other charges are being assessed incorrectly. XXXX, XXXX, and now Bayview Loan Servicing have fraudulently imposed late fees, and other charges since this loan first transferred from XXXX XXXX XXXX to XXXX, to XXXX, now Bayview. An original complaint had been filed against XXXX and they immediately transferred said loan to XXXX. After several months of trying to resolve this issue with XXXX, it was reported to cfpb. It was only then that XXXX responded and waived said charges, but within the same timeframe, the loan had already been transferred to Bayview. Please Note Notice of servicing transfer from XXXX, dated XX/XX/XXXX ( hence, the same time-frame XXXX was investigating said allegations of imposing late fees and other fees ), had not been received. It wasnt until we begin to receive letters from Bayview that concerned us greatly. I contacted XXXX to confirm servicing transfer, they concurred. I asked for a notice in writing. This is when I received notice of servicing transfer, which was ; late XXXX, early XXXX. Yet, Bayview imposed additional late fees. Most recently, I requested a detailed account history from Bayview Loan ; it was received XX/XX/XXXX. There are transactions that late fees in the amount of {$1400.00} were waived/assess on XX/XX/XXXX. However, Bayview continues to impose these same charges ( I tried to upload document ; it was only 3 pages long, but your system would not allow me to ... .stating it was too large ). If you wish to view this account history, please feel free to email me at XXXX and I will send it to you through email. SYNOPSIS : XX/XX/XXXX XXXX statement indicating late fee balance in the amount of {$1900.00}, corporate advance balance in the amount of {$330.00}. XX/XX/XXXX XXXX letter of explanation related to a fee in the amount of {$330.00} ( It was still unclear, and it didnt make sense, so I pursued it further ). XX/XX/XXXX XXXX statement indicating late fee balance in the amount of {$2000.00}, deferred balance in the amount of {$74.00}, corporate advance balance in the amount of {$87.00}, and unpaid fund balance in the amount of {$2000.00}. XX/XX/XXXX XXXX notice of explanation of unexplained charges ( late fees and corporate advance fees ). This notice from XXXX was only after two complaints were submitted to the Consumer Financial Protection Bureau ( CFPB ) related to unclaimed charges, late fees, and other fees. Corrections were made, and only {$370.00} corporate advance was to remain. XX/XX/XXXX XXXX notice of servicing transfer effective XX/XX/XXXX with Bayview Loan Servicing. However, as mentioned earlier, it was not received until late XXXX, early XXXX. XX/XX/XXXX Bayview statement indicates a late charge assessed in the amount of {$1400.00} and Rec Corp advance in the amount of {$330.00}, and escrow balance in the amount of {$2800.00}. XX/XX/XXXX XXXX letter response to cfpb complaint ; provided history related to servicing mortgage loan, beginning XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX XXXX letter response to cfpb complaint to remove late fee reporting of our account from XXXX to XXXX. XX/XX/XXXX Bayview statement indicates a late charge assessed in the amount of {$1400.00}, Rec Corp advance in the amount of {$340.00}, and escrow balance in the amount of {$830.00}. XX/XX/XXXX Bayview account history, beginning XX/XX/XXXX to XX/XX/XXXX ( please note ; XXXX transferred mortgage servicing to Bayview effective XX/XX/XXXX ) XX/XX/XXXX Bayview statement indicates late charge balance in the amount of {$1000.00} and NSF balance of {$100.00}. In addition, Bayview has charged {$1500.00} homeowners insurance to our escrow account when I have already faxed/emailed documents requested. XXXX XXXX insurance agent has also provided what has been requested several times, dating back to back to XXXX ( when homeowners insurance was transferred ). We requested that no escrow fees be assessed for homeowners insurance as it is being debited from our checking account and paid directly to XXXX XXXX.
07/18/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 33027
 Web
Name : Lender Name : Bayview Loan Servicing Loan # : Dear Sir/Madam I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage. I say Us because my parents and I live in our home. In XXXX I lost my job, due to a company merger. I lost my medical coverage and unfortunately that year I went thru several XXXX XXXX with no insurance. As soon as I got better I found a job that only gave me resources to put food on the table. Finally, in XX/XX/XXXX I got the opportunity to work for a big company, I was getting back on my feet when in the month of XX/XX/XXXX, I slipped in a split position at XXXX, that Couse injuries to my XXXX and XXXX XXXX on my XXXX XXXX I was unable to walk. Knowing that I have responsibilities I was persistent to walk even in XXXX I attended work but was not able to perform my job duties due to the scrutinizing pain that I felt while sitting, driving, walking impossible to go up flight of stairs or carry my briefcase. I lost my job at in XX/XX/XXXX. I looked for a new job immediately to get health insurance, but it was not enough to pay all my responsibilities. after 4 years of suffering my XXXX discovered that the trauma of my fall had XXXX XXXX XXXX that held my XXXX and had a XXXX XXXX that had form due to XXXX XXXX. I went thru XXXX during that time frame the association foreclose on my house, I had paid them but in the process of the HOA changing attorneys there was no record of my payment, that law firm had closed and kept the money I tried to stop the sale and again brought all monies due to the HOA {$15000.00} to the HOA, they said they could not reach the new attorney in charge due to a storm that damage power lines and my house was sold at a public sale on XX/XX/XXXX for {$30000.00} XXXX XXXX. The court tried to reverse the sale, but the buyer would not appear in court and registered the title even thought there was a motions and objection to sale pending. I called Bayview Loan services and informed them of the situation and all they said was to try to get the title back, so you may apply for a modification. I hired lawyers, we did a stipulation and settlement agreement with the third party person to return the title and I have been paying him all this time. In XX/XX/XXXX I finally payed him off, and I have registered the title back in my name. I have tried several times to get a loan modification and Bayview keeps changing the officers, and only say I have been decline but never sends nothing in writing, modification request done in XX/XX/XXXX decline due to investor guidelines I have asked who is declining or why and they only tell me I will receive there response in writing. I payed another attorney to defend my foreclosure, had to file for Bankruptcy chapter XXXX to give time for a modification called MMP thru the bankruptcy defense they decline said I did not make enough money but never sent a letter. " error by attorney ". After I went to NACA, and I was helped free of charge,, they guided me and i did another modification request and it was decline saying it did not have 38 days and was told MrXXXX XXXX XXXX that I had to apply again for a loan modification again I paid XXXX XXXX XXXX to request and extension of the foreclosure and it was reschedule for XX/XX/XXXX and again I was decline, reason " the investor did not approve '' but I have not received a letter notifying of such nor my options if any. Bayview loan services does not even tell me who the investor is. nor sends me a written letter of denial or options even after caling them The last person to work the modification was Mr.XXXX XXXX XXXX a very rude person with no XXXX that even got the NACA agent upset due to his rudeness and aggressive tone he used with her. she said she will complain to his superiors. Please note that i have made payments Under Chapter XXXX bankruptcy, The Trustee XXXX XXXX XXXX has notify me that Bayview loan servicing LLC refuses to accept payments from the Trustee ..
03/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • XXXXX
 Web
Please see case number XXXX Which Bayview responded and completely lied about the results they did not put me back in the forgiveness program like I was in rolled in XX/XX/XXXX. They advised to CFBP that on XX/XX/XXXX they offered me a loan modification and the forgiveness program and I defaulted that is untrue and that is a lie as of Yesterday XX/XX/XXXX They still will not answer me as I have been waiting for four months since XXXX for them to enroll me back and the forgiveness program every time I call them they say they will get back to me and they let months go by so I have been calling about this since XX/XX/XXXX and they still have not come back with an answer and now they have made me an additional 4 monthly I can not make a payment to them they are reporting me late and all my credit report which has dropped my credit score into the 500s which I can not refinance with another mortgage company because of my credit score and what Bayview has done. They advised me back in XX/XX/XXXX that I was not in any type of foreclosure at all but as of yesterday XX/XX/XXXX they are advising me that foreclosure started in XX/XX/XXXX even though I was in a forgiveness program two months prior to that and had everything set up with them so they are violating the laws of dual tracking they are violating they are violating direct and ongoing access to personnel I do not have a phone number or an extension for XXXX XXXX the loan representative they are violating RESPA And the FCRA acts. I was in rolled in a forgiveness program XX/XX/XXXX and my first payment was XX/XX/XXXX which my payment was made I was in auto pay enrollment they are saying that it never took place and it never happened but they never sent me any letter stating that something was wrong. Also for 19 years I paid my taxes on my own with XXXX and all of a sudden Bayview wants to add escrow in my account they tried to send money to the city tax collector the tax collector rejected it as my taxes were paid and then they went ahead and sent them more money and pay taxes when escrow is not to be added in my account that is how my account is set up in my contract with XXXX there are tons and tons of reviews that these people at Bayview loan servicing are liars scammers and purposely dont call also for 19 years I paid my taxes on my own with XXXX XXXX and all of a sudden Bayview wants to add escrow in my account they try to send money to the city tax collector the tax collector rejected it as my taxes were paid and then they went ahead and sent them more money and pay taxes when escrow is not to be added in my account that is how my account is set up in my contract with XXXX there are tons and tons of reviews that these people at Bayview loan servicing are liars scammers and purposely dont call people back so they could lose their home and go in for closure something needs to be done my first complaint you can see they responded and said that everything is taken care of nothing is taken care of they lied and what they told you Earlier this week I spoke to another gentleman by the name of XXXX and he said I have a question I said sure he said what is the balance in your checking account how much money do you have in your checking account who are they to ask me what the balance is in my checking account. They are trying to say that I am delinquent in my taxes with the tax collector we pay our taxes in the rear when you make a payment its not for that current time youre paying on the grand list for the year prior and that is how the tax collectors office runs but Bayview is trying to say I am lying and thats not trueMy credit report needs to be updated correctly They are reporting me late for XXXX 30 days when my mortgage payment is not due until XX/XX/XXXX they are also report in XXXX late XXXX XXXX and XXXX when they are refusing for me to even make a payment because I am locked out of my account they are purposely stalling when I was in a forgiveness program so they can try to foreclose on my home
10/27/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
The stress due to this dual tracking is unbearable. My family and I can no longer deal with the battle fatigue and chronic stress caused by XXXX XXXX XXXX the Master Servicer of my loan and Bayview Loan Servicing the Sub servicer of my loan. On XXXX XXXX XXXX through XXXX XXXX, XXXX, my home was stampeded by realtors, investors and others at our front doors and windows notifying us our home was in foreclosure with a sale date of XXXX XXXX, XXXX at XXXX XXXX. The foreclosure sale date was a huge surprise to us as well as causing confusion and frustration due to working so very closely with Bayview Loan Servicings, XXXX XXXX, Vice President, in Bayviews Hamp Escalations Department. In fact I told the multiple realtors, investors and others there must be something wrong because XXXX XXXX would never allow this to happen. Some of them told me to call the trustee for XXXX XXXX XXXX and Bayview Loan Servicing and even provided me with the foreclosure paperwork that stated my home is scheduled for foreclosure on XXXX XXXX, XXXX at XXXX XXXX ( See Exhibit B ) I called the trustee that was listed on the paperwork, XXXX XXXX XXXX XXXX XXXX at phone number ( XXXX ) XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AZ, XXXX and verified that the foreclosure is scheduled for XXXX XXXX, XXXX at XXXX XXXX. I told the trustee I am confused because Ive been in a current active workout plan since XXXX XXXX and XXXX XXXX, my asset manager at Bayview Loan Servicing had stated the foreclosure was cancelled. The trustee told me the foreclosure had never been cancelled just suspended. I also indicated to the trustee that I have been making trial modification payments since XXXX XXXX to the present. I also told the trustee I was confused about the foreclosure because I thought I was in a active work out and have never been notified by the trustee or the XXXX XXXX XXXX XXXX XXXX or Sub Servicer Bayview Loan Servicing that my home was in foreclosure and going to be sold on XXXX XXXX, XXXX. The trustee XXXX XXXX XXXX XXXX XXXX stated my home would be sold at foreclosure auction on XXXX XXXX, XXXX at XXXX XXXX and that it was my job to follow the foreclosure sale date and these people had a right to be on my property. I told the trustee I had never received any notification from you the trustee, the Master Servicer XXXX XXXX XXXX or the Sub-servicer Bayview Loan Servicing that my home was in foreclosure so how would I know to keep an eye on the sale date because I thought I was in an active workout. It was so many investors, realtors and others that they not only disturbed my XXXX XXXX husband and children but also my neighbors. Many of them stampeded my property and went through my property, hopped the fence to get into the back yard, and looked through the windows disturbing my XXXX XXXX husband and children. In addition, many of the realtors, investors and others also behaved aggressively and combatively when I explained to them that I was in a active workout with Master Servicer XXXX XXXX XXXX and Sub-servicer Bayview Loan Servicing. Many of the realtors, investors and others also became aggressive and combative when they were asked to leave my property by myself or neighbors. Some of them stated to me, my children and some of my neighbors that your home is in foreclosure and we have a right to be here and inspect the property.. Upon calling Bayview Loan Servicing and trying to speak with XXXX XXXX or Single Point of contact XXXX XXXX I spoke with XXXX at Bayview Loan Servicing regarding the problem she instructed me to call the police and notify them of the realtors, investors and others to protect my family because there was nothing Bayview could do. Therefore today I am filing a report with the police. The stress due to this dual tracking is unbearable. My family and I can no longer deal with the battle fatigue and chronic stress caused by XXXX XXXX XXXX the Master Servicer of my loan and Bayview Loan Servicing the Sub servicer of my loan.
03/27/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 350XX
 Web
In XX/XX/XXXX, I was living with my Grandmother, helping her pay the mortgage payment when she passed away. I filed an application with XXXX XXXX XXXX XXXX, the mortgage company, to transfer the name on the mortgage to mine as a relative of the deceased. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, letters were sent addressed to my Grandmother requesting additional information and stating " Once we receive all of your information and any required fee, we will send you a letter within 10 business days to confirm whether we were able to make the change you requested. '' On XX/XX/XXXX, I received a letter from XXXX stating " Your request is complete. __________ ( my name ) has been added as a non-liable, authorized party with access to the account. However, I didn't see the non-liable authorized party and was under the assumption that the account had been transferred to my name. Around XX/XX/XXXX, I called XXXX and attempted to refinance the property with them for a lower interest rate, but was denied because it was mobile home. Since I was newly out of college and had little credit, I decided to pay on the property until I could build my credit. In XX/XX/XXXX, I decided to purchase a newer modular home to replace the current depreciated mobile home, borrowing enough money to pay off the current mortgage and roll it into the new mortgage. When the home place called XXXX to get the payoff to know how much to mortgage, they were told I could not pay the loan off because it was not in my name but my Grandmother 's name. I came home and immediately called XXXX to verify this information myself and was told that my name was not on the mortgage and could not pay it off and replace the home. I waited approximately one week and called again and was again told that the mortgage was not in my name, that I had no right to sale, transfer or do anything with the property. So I ask what would happen if I stop making the payment and was told that it would be foreclosed in my Grandmother 's name since she was the responsible party. So, since I could not do anything with the property, in XX/XX/XXXX I vacated the property and ceased making payments. On XX/XX/XXXX, a letter was mailed addressed to myself and my Grandmother regarding mortgage assistance since the payment was late. ( My Grandmother was still listed on the account ) On XX/XX/XXXX, XXXX mailed a " Notice of Intent to Foreclose '' addressed only to my Grandmother. On XX/XX/XXXX, XXXX mailed a letter addressed to me only, notifying that the mortgage has been transferred from XXXX XXXX XXXX to Bayview Loan Servicing effective XX/XX/XXXX. On XX/XX/XXXX, a " Debt Validation Letter '' was mailed addressed to only me from Bayview Loan Servicing. On XX/XX/XXXX, I mailed an answer to Bayview 's Validation letter explaining the issue and providing the letter which states I am not the responsible party, only an added user on the account. I also called Bayview in XX/XX/XXXX or XX/XX/XXXX, and gave the representative the same information and faxed him a copy of the letter, which he replied " everything they have shows me as the responsible party '' leading me to believe XXXX XXXX transferred the mortgage to Bayview, under my name, removing my Grandmother 's name completely under fraudulent pretenses. Bayview has also placed this debt on my credit report showing the delinquent account and that it was opened on XX/XX/XXXX. ( I was only XXXX in XXXX ). This mortgage was never placed on my account by XXXX, there is no payment history on my credit report by XXXX and wasn never placed on my credit report until Bayview put it there as a delinquent account causing my credit score to crash downward. I further suspect Bayview will place it there as a foreclosure also if this mortgage account is not removed from my name. I do not own this account and am not the responsible party as informed by XXXX XXXX on three different occasions and should have all ties to this account removed from my name.
10/01/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • IL
  • XXXXX
 Web Older American
In XXXX XXXX I filed ChXXXX bankruptcy due to student loans that were in default due to my wife 's XXXX. In XXXX XXXX, my mortgage loan servicer ( XXXX XXXX XXXX ) sold my mortgage to Bayview Loan Servicing. I went on Bayview 's website to sign up for online access in order to keep track of how my monthly mortgage payments were distributed. Due to the fact that I am currently under ChXXXX bankruptcy " protection '' I was unable to create an online account with Bayview. I telephoned Bayview 's customer service number and the person I spoke with said that I could fax in my request for a payment breakdown. I told her that I did not have a fax machine nor did I have access to XXXX. She then stated that I could call customer service to obtain the information. Since my payments to Bayview did not begin until XXXX XXXX, I waited until after I had made the XXXX XXXX and XXXX XXXX payments before I called to obtain the payment breakdown for those XXXX payments I received the information and recorded it for my personal records. The next time I called Bayview I was told that due to the fact that I was under bankruptcy protection only my attorney could request the information. I expressed my surprise at that statement, and said that the last time I called I received the information that I requested. To that the Bayview customer service person said that was a mistake, and that only my attorney could request a payment breakdown. I contacted my attorney and relayed this information to him. His response was that such a request was not covered by the fee I was paying him, but that his office would write a letter requesting the information for a fee of {$170.00}. Since I am not able to afford that amount, my attorney sent ( via email ) a sample letter indicating exactly how the request needed to be worded. On XXXX XXXX, XXXX I sent via certified mail ( return receipt ) a " Qualified Written Information Request Pursuant to XXXX XXXX XXXX & XXXX CFR XXXX '' requesting a payment breakdown from XXXX, XXXX through XXXX XXXX, XXXX. The certified letter was received and signed for by Bayview Loan Servicing on XXXX XXXX, XXXX. I received a letter from Bayview dated XXXX XXXX, XXXX denying my request due to the fact that my loan is in an active ChXXXX bankruptcy and that I am currently being represented by counsel. The letter further stated that only my attorney can request this information. I can not afford to pay my attorney {$170.00} to write the exact same letter that I have written, sent and has been received by Bayview. From what I have learned from my research of XXXX XXXX XXXX & XXXX XXXX XXXX, Bayview is legally obligated to provide ME with the information that I have requested. Since receiving the denial letter from Bayview ( dated XXXX XXXX, XXXX ), I have received XXXX ( XXXX ) identically worded letters from Bayview ( XXXX dated XXXX XXXX, XXXX XXXX indicating that " Our records indicate that XXXX or more payments are now outstanding ... '' My bank records indicated that my payments to Bayview have been paid and have cleared my bank account on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I am now paying 60 % of my monthly take home pay just to cover my mortgage payment. I have a mortgage agreement that states that I have a 15 day grace period in order to pay my mortgage payment. Therefore, I do NOT have any outstanding payment ( s ) with Bayview. It is my feeling these letters are Bayview 's way of " getting back '' at me for my qualified request for information. I have researched Bayview and they are not XXXX accredited, and have an ongoing complaint with the XXXX in regard to their shoddy business practices. I am concerned that Bayview will continue to claim that my payment ( s ) are " outstanding '', and will begin foreclosure proceedings against me ; as they have done to others based on the complaints lodged against Bayview with the XXXX
09/01/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 33705
 Web
XX/XX/XXXX I intentionally stopped working as an appraiser in order to assist my parents in estate matters after the death of my grandfather. I moved to XXXX for five months in order to do so. As I expected, I had a shortage of cash flow and fell behind on my payments but did n't want to use IRA funds. As expected, I got a demand letter dated XX/XX/XXXX requesting {$4100.00} with a due date of XXXX/XXXX/2016. I had just made one payment for {$910.00} on XX/XX/XXXX. I called them on XX/XX/XXXX at XXXX to see if the total amount due had included my recent payment and told the CSR that I would be able to pay of {$2500.00} which is roughly 3 payments. This should be in their notes, but I doubt it. I alson called the asset manager, XXXX XXXX on XX/XX/XXXX at XXXX & left a voicemail that I would pay {$2500.00} on XXXX/XXXX/2016. I never heard back from him so I assumed this was acceptable. On XX/XX/XXXX, I sent the {$2500.00} payment via USPS. The following week I called to see if the payment was received. I was told that my property was being foreclosed and the checks were mailed back to me. The CSR told me they could not accept the payment because the foreclosure process had started on XX/XX/XXXX, even before the demand date! I explained that I had the money in a retirement account and needed to clear up the matter immediately. I was given the number of the foreclosure attorney and immediately called them to pay the total amount due & explain the situation. The female at that office said that she had no file for me yet since & it was likely that they had n't started my paperwork & had no record of me. She advised to call Bayview & try to get them to accept the full amount due so that attorney 's fees would n't be due. After MANY calls, I finally got to speak to someone, was emailed a new demand letter. Surprisingly, the demand letter included attorney 's fees of over {$800.00}. How could this be valid when I just spoke to the attorney 's office and they did n't even have a file on me? I 'd like to see the attorney 's bill, because I do n't think there is one. While speaking to Bayview 's asset manager, I questioned why they would n't call or send a letter explaining that my terms would n't be accepted? She stated a XXXX term that I 've since forgotten, that was basically legal jargon meaning that they could not call me, and she did not know why I was placed into that status. She requested me to write a letter to them to be removed from that status. I never wrote the letter, however early in the following next month I was called by a CSR regarding that month 's payment of {$1300.00}. I questioned the payment because it 's normally around {$900.00}. She stated that there were {$460.00} in late fees. I tried to explain that I had paid the {$460.00} in late fees the prior month to get my house out of foreclosure. She told me to contact my attorney. I said " what attorney '', and she replied " your bankruptcy attorney '' ... ..? I have never been in bankruptcy! They are still trying to collect the {$460.00} in late fees which were already included in the demand letter which I paid in full. The reason that I 'm writing to you is because I have completely lost trust in the ability of Bayview to handle my loan fairly and responsibly. The CSR 's are very unprofessional, very difficult to reach by phone, do n't return phone calls, carelessly make make notes to my account, did n't properly credit my account after a payment of {$6800.00}, and apply charges that are not valid. Another inconsistency was the fact that XXXX XXXX sent me a demand letter via email, stating " I am here to assist you '' and provided his direct number. When I called, his very lengthy voicemail ( in English and XXXX ) stated that he was on vacation and not returning to the office for another two weeks! I 'd like the late fees to be credited, and my account reviewed to see what else they 've messed up.
09/13/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • FL
  • 33029
 Web Servicemember
XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau SUBJECT : BLS # XXXX | XXXX XXXX # XXXX | Unfair Business Practices and Predatory Lending. Dear Service Representative, I need your help. I am a XXXX-year XXXX XXXX XXXX XXXX. My XXXX loan # XXXX was transferred to Bayview Loan Servicing , LLC ( BLS ) in XX/XX/XXXX. My new loan number is XXXX in XX/XX/XXXX. I am being treated unfairly by Bayview Loan Services, LLC since day one. On XX/XX/XXXX, my wife received from XXXX XXXX XXXX, via secure e-mail, a Trial Period Mortgage Modification Plan ( see Exhibit A ). XXXX XXXX XXXX signed the TrialPlan. Bayview Loan Serving, LLC. pretends for us to start paying a Trial Period for a loan modification that we know almost nothing about. If we do not agree to the Trial Period, Bayview will take me to Foreclosure Court on Tuesday, XX/XX/XXXX ( see Exhibit B ). I find this unacceptable, inappropriate, unconscionable, malevolent, and outright evil. Bayviews Loan Modification Trial Payment Plan does not comply with the TILA-RESPA Act. On XX/XX/XXXX, my wife wrote a letter to the President of Bayview Loan Servicing , LLC. In this letter, she requested in writing a principal reduction, a portion of the debt to be forgiven and all penalties and late fees to be waived. Bayview Loan Servicing , LLC never acknowledged the receipt to her letter. We have a post office receipt that confirms that this letter was delivered and signed for by the employees of Bayview Loan Servicing , LLC. My wife wrote her second letter to the President of XXXX, XXXX XXXX XXXX, on XX/XX/XXXX ( see Exhibit C ). We were without electricity and internet until XX/XX/XXXX due to Hurricane Irma. Therefore, we had to Express Mail the letter to XXXX XXXX until XX/XX/XXXX. In this letter my wife asks XXXX XXXX specific questions regarding her XX/XX/XXXX letter, and our XX/XX/XXXX Loan Modification Trial Plan. Evidence : XXXX XXXX XXXX is the former Transaction Manager for XXXX XXXX XXXX. XXXX XXXX has a very bad reputation in the Real Estate and Banking industry ( see Exhibit D ) XXXX XXXX has engineered Bayview Loan Servicing , LLC. from the bottom up to be 10 times worse than XXXX and XXXX XXXX. If you search the Bayview Loan Servicing, LLCs address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX on : XXXX XXXX XXXX you will find that XXXX XXXX XXXX , the President of Bayview Loan Servicing, LLC., and his leadership staff have their names on over 20 different State of Florida LLC entities that are registered at : XXXX XXXX De XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( see Exhibit E ). Based on the attached exhibits you should have enough evidence to investigate Bayview Loan Servicing , LLC. for engaging in : 1. Unfair Business Practices. 2. Predatory Lending. 3. Dealing in Bad Faith. 4. Violating the TILA-RESPA Act. 5. Intentional Infliction of XXXX XXXX on persons with XXXX. In summary, I want to keep my home. This may no longer be possible. If you can help me that would be great. I believe that every U.S. citizen needs to be treated in a fair manner regardless of race, religious beliefs, or XXXX. I believe that U.S. citizens should not be preyed upon by powerful corporations. BLSs Unfair Business Practices must be investigated and stopped. Bayview Loan Services, LLC.s Unfair Business Practices do not only affect me, they also have a negative effect on every hard-working tax payer in the U.S.A. Bayviews corruption and greed will continue to destroy Americas economy if left unchecked. If there is anything that I can do to assist CFPB in bringing the Bayview Loan Servicing , LLC. XXXX to justice please contact me immediately. I live 30 minutes from their headquarters in XXXX XXXX and have already done some research on them. I look forward to your reply. Thank you. Respectfully, XXXX XXXX, XXXX. XXXX Veteran
07/07/2017 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • UT
  • 84790
 Web Older American
CFPB, XXXX XXXX is a widower who has made repeated attempts to resolve the foreclosure either by loan modification, short sale or other means. XXXX XXXX certainly should be afforded the right to seek an " alternative to foreclosure, when one is available. However, in order to implement a viable alternative, there must be some willingness by the servicer ( BAYVIEW LOAN SERVICING , LLC ) to work with her. Unfortunately, BAYVIEW has refused to work with XXXX XXXX and has made every attempt to stonewall her efforts to modify her loan or for short sale. It has become clear that BAYVIEW has no intention of entertaining any other alternative except foreclosure.

XXXX XXXX has presented a hardship letter for the purpose of modifying her loan or short sale. Several alternatives to her foreclosure are available to her, however, because they can not be presented, Bayview will not speak to her or entertain alternatives.

Here is a background of her case ...

XXXX XXXX 's husband was a veteran and has XXXX XXXX. A hardship letter is attached..

She is apparently being stonewalled because she is not on the Mortgage - she is on the deed.

Under these circumstances the property legally falls into her hands, however BAYVIEW has seized the opportunity to utilize this as a stonewalling tactic.

The sale date is XX/XX/XXXX and she desperately needs to open up correspondence with Bayview in this matter? As far as any 37 day rule to submit an offer, Bayview 's stonewalling efforts have made it a impossible to accomplish.

She has discussed seeking and attorney and/or filing a Bankruptcy as a last resort.

Below are copied/pasted emails to BAYVIEW made on her behalf in an attempt to open up communications ...

-- -- -- -- -- - On XX/XX/XXXX XXXX, XXXXXXXXXXXX wrote : Hi XXXX, XXXX XXXX would like to commence a short sale.

Attached is the Authorization for me to talk to you and XXXX Affidavit and Certificate.

Call me asap.

Thanks, XXXX XXXX Direct:XXXX -- -- -- -- -- -- -- -- - Here is XXXX XXXX 's history of events in dealing with BAYVIEW ...

XX/XX/XXXX - A few days after the funeral, went into XXXX XXXX XXXX to speak with the bank regarding the mortgage. We ( XXXX and XXXX ) were told they could n't help us because we were n't on the loan and that we need to present the XXXX certificate in order for anyone to speak with us. We forwarded the XXXX certificate at that time.

XX/XX/XXXX - Attempted a Refinance through XXXX XXXX at XXXX XXXX. The mortgage company would not speak with XXXX because the refinance would be into XXXX 's name and she was n't on the loan even though XXXX certificate was on file.

XX/XX/XXXX - XXXX called XXXX and was told she could n't be helped because she was n't on the loan regardless of the loan holder being XXXX.

XX/XX/XXXX - XXXX again called XXXX and again was told she could n't be helped because she was n't on the loan regardless of the loan holder being XXXX.

***It was n't until the financial hardship finally took its toll ( despite the above attempts to refi/work with the mortgage company ) and payments to the mortgage ceased, that mailed correspondences from Bayview were addressed to The Estate of XXXX XXXX and/or XXXX XXXX XXXX even though she has never been financially obligated to this mortgage. *** XX/XX/XXXX - XXXX called Bayview ( with the help of a family friend ) and once again was told they could n't speak to either of them regarding the loan ( despite having correspondences addressed to XXXX ) because they were n't on " the list. '' When asked who was on the list, the reply was " no one. '' XX/XX/XXXX - XXXX, XXXX 's daughter, called Bayview and was also told that she could n't be helped because she was n't on the loan.

-- -- -- -- -- -- -- -- -- -- - Due to the stonewalling efforts of BAYVIEW, XXXX XXXX is unable to seek alternatives to her foreclosure ...

03/21/2016 Yes
  • Mortgage
  • Other mortgage
  • Credit decision / Underwriting
  • CA
  • 95210
 Web
This is actually more of a 'GENERALIZED ' Question that I have that really puzzles me. I 'm losing over {$2500.00} a year on interest paid on my Mortgage because I 'm on XXXX and I do n't work and earn income to Claim or FILE TAXES. Year after year after year, I 'm leaving precious money on the table. Hard Earned money by the way that my wife & I desperately need. My wife is also XXXX, she was denied XXXX and we appealed it 3 different times. Now at XXXX years old, she is finally getting her SSI benefits. BUT, our Mortgage Loan is an 'INTEREST ONLY ' LOAN, Ithink, until it converts over in a few years after they get their money 'up front '. Mean while, WE GET NO RELIEF. I do n't think this rule is fair for people on SSI or XXXX who ca n't go work anymore. We are losing all that money anually. It 's really a sad thing to watch it go down the drain. I need a water heater, a new Air Conditioner, a Heater, I 'm upside down on my Loan. We lived on XXXX INCOME for over 8 years, we suffered like XXXX to keep our home and now we are in the process of getting a re-modificatio with " Keep your Home California '' Program to help reduce the Principle. I 'm praying it goes through and our Loan Servicer does n't deny us this great opportunity. BUT BACK TO MY MAIN CONCERN, the interest at the end of the year that we ca n't seem to claim with the IRS. Our Medical Co-Pay a few years back was set at {$3400.00} because we earned 'too much ' when we were younger. Now we got served with a {$7600.00} XXXX Hospital Bill from the County. Can you guys HELP ME RESOLVE THIS ONE? It 's a XXXX XXXX County issue, right? They want to put a Lien on my Property and they still want payments made. Ha!! We are as broke as sin, both living on Fixed incomes. This Medical Bill was way back before ObamaCare. They were no services available for Middle-Class Americans back then. They told me there was a 'Grey Area ' that we fell into and thus we had to sign a waiver to get treatment. I have XXXX XXXX XXXX, XXXX & XXXX. I went in because I was falling down by myself constantly and I got XXXX 4 times in a row. Having XXXX children at home, I was n't ready to die just yet. So, take your pick, which issue would you like to HELP ME WITH? A ) Interest payments I losse, about {$3000.00} a year. B ) Call the XXXX Hospital Director of Finance of XXXX XXXX County regarding our {$7100.00} Billl from XX/XX/XXXX-XX/XX/XXXX. The lady there is very RUDE with me. I sent a letter to the Govenor XXXX XXXX regarding this issue. He suggested I get ahold of the Board of Supervisors, I did, and the City Council & the State Congressman and they will call the Hospital. But I seriously doubt they give a XXXX. Why? XXXX is Bankrupt & they need every penny they can get. hahaha. My wife & I worked hard for 35 years paying INTO THE SYSTEM. Nobody that was in that Hospital room when we went looked like they worked a day in their lives, nor had a {$3400.00} a month Co-Pay like we did. Nobody that works for the City has a Co-pay of {$3400.00} a month for that matter, ask them. what does that tell you??. I had a " Life or Death '' situation, not a sprained ankle.We should NOT BE PUNISHED ANY FURTHER for errors the Government has made by NOT having adequate services for Middle-Class people.The same goes for the SSI & XXXX people who ca n't work, WHY CA N'T THEY GET THEIR REFUNDS BACK ON THEIR INTEREST THE 'VE ALREADY PAID?? IT 'S RIGHTFULLY MONEY THEY 'VE PAID ALREADY!!!! RIGHT? How can we HELP the XXXX leaving out stipulations. Are these unjustified or Justified?. *The only issue I have with my Mortgage Loan Company is they wanted a " Letter of Reaffrimation '' signed after I filed Ch.XXXX But Calif. Law does Not require it. So, they wo n't post my 'On-Time ' payments Credit 's to the XXXX Credit gathering Companies, so it DOES N'T show I OWN ANY property on ALL XXXX credit reports. So, I have bad credit. nice guys
08/26/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85024
 Web
I purchased my home in XXXX XXXX. In XXXX of XXXX I filed a chapter XXXX bankruptcy. The very month that I filed, my loan was either transferred from XXXX XXXX XXXX Bank to Bayview Loan Servicing LLC or Bayview bought the loan ( I dont know ) I was sent a letter that stated I just needed to start making my payments to Bayview Loan Servicing. I informed my bankruptcy lawyer that I could not pay his entire asking fee and make my mortgage payment for that month. He said that is ok, he 'll put XXXX payment in the bankruptcy paperwork. I said ok. I made my first mortgage payment to Bayview Loan Servicing LLC the next month, and continued to make my monthly mortgage payments as I had previously for seven years to XXXX XXXX XXXX. I am on XXXX and have been since XXXX. I get paid once a month and send my payments to all my bills usually between the XXXX of the month and XXXX of the month. Approximately XXXX -3 months into the bankruptcy I received a letter/statement ( not a complete statement as it did not have the loan amount owed, the principal or anything else - just that my payment went up about XXXX. It was showing payment due XXXX. I, for seven years was making my payment of XXXX to XXXX XXXX XXXX with no problems whatsover and I know that my fixed conventional loan made sure there were no changes of this sort.. I called Bayview Loan Customer Service number on that peice of paper ( bc Bayview Loan Servicing was not sending me ANYTHING in the mail, no correspondence regarding my loan, no statements, nothing. ) All i ever received from Bayview Loan Servicing was a welcome letter from them buying the loan from XXXX XXXX XXXX - see attached ). I got a customer representative on the phone and said I needed to talk to someone regarding my loan and gave her my account number that I had from M & T. I said I wanted to talk to someone regarding my mortgage payment going up. She said Oh, that is bc you missed a payment. I said I most certainly did not!! I said if you are referring to the XXXX payment that my bankruptcy lawyer put in the paperwork. After saying that she cut me off and said, Oh, your in bankruptcy. I said yes, I filed Chapter XXXX in XXXX XXXX. She put me on hold, came back after about XXXX5 minutes and said XXXX, I can not talk to you, but I will have a representative from our bankruptcy department call you back..I said when can I expect a call. She said within XXXX5 business days. We ended our call. I received a call back from a XXXX XXXX in the bankruptcy department and I asked her about my payment jumping up XXXX dollars and why bc I had a conventional fixed loan. She stated that they showed me missing a payment, but that they were going to straighten everything out and my payment was XXXX. I said thank you, but my payment at XXXX XXXX XXXX was XXXX do you know why it would even be XXXX higher. She said she would review my file and get back with me. I stated to XXXX before hanging up that I have n't received anything from her company except a welcome letter with a customer service number and that I wanted to get my statements sent to me so I can know where my money is going and where it is being applied and that way I know with issues as this what has been done and where the error might be. She said I had to handwrite a letter stating that I knew I was in bankruptcy and sign it and they would get statements out to me. I said ok and did just that. Attached letter is dated XXXX XXXX. I continued to make payments of XXXX even though I was not satisfied with XXXX conversation or outcome, bc she and no one in the company could tell me what was going on and why the payment ( s ) were jumping all over. My many questions were compounding every month with Bayview and I was constantly in a state of miscommunication from the inception of this company buying my loan from XXXX XXXX XXXX. As I stated earlier and will state again. I had
02/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60068
 Web Older American
On 1XX/XX/XXXX, I called and spoke with a Bayview Loan representative regarding a mistake on their escrow analysis letter, dated XX/XX/XXXX. It showed they over paid my property tax bill by {$1700.00}, which caused an incorrect projection of escrow required for XX/XX/XXXX. On XX/XX/XXXX, I forwarded to Bayview the corrected county tax bill of {$2600.00} for their handling and payment, instead they paid {$4300.00}. The Bayview over-payment has also resulted in an incorrect projection of escrow for XX/XX/XXXX causing an increase of future escrow payments of {$110.00} per month for twelve months. The Bayview representative reviewed my escrow account and found a note that indicated the XXXX XXXX XXXX 's office had returned the over-payment portion in XX/XX/XXXX. Although the escrow account was noted, Bayview had not reapplied the {$1700.00} credit, nor had they informed me of any corrections. The representative suggested I forward Bayview a detailed letter with copies of any supporting documentation in order to make corrections. On XX/XX/XXXX, I forwarded a letter to Bayview Loan informing them corrections needed to be made on my escrow account. Specifically, I asked they reapply the credit of {$1700.00}, recalculate my escrow payments for XX/XX/XXXX based on the XX/XX/XXXX actual property tax & homeowner 's insurance amounts, apply only the proper escrow cushion amount and to refund the escrow overage that has developed over the last two years. I also informed Bayview they have a fiduciary duty to correct all problems on my non-interest bearing escrow account. Bayview responded to my escrow complaint letter with a loss mitigation letter dated XX/XX/XXXX concerning delinquency and collection/foreclosure. I again contacted Bayview on XX/XX/XXXX to inform them my loan is paid-to-date and their representative informed me to disregard the loss mitigation letter. I also received a 2nd escrow analysis letter dated XX/XX/XXXX showing no corrections from the prior escrow analysis letter, other than the monthly escrow amount being lowered by {$75.00} with no explanation. I called Bayview on XX/XX/XXXX and the representative informed me that they would get the {$1700.00} applied to my escrow account and issue a new escrow analysis letter. Bayview also sent me an escrow overage check, dated XX/XX/XXXX, in the amount of {$240.00} without an explanation of how they arrived at this figure. I sent the check back to them to be reapplied to my escrow account, until we could resolve the correct amount of escrow overage to be refunded to me. At this point, I felt that I was being harassed by Bayview Loan. Bayview finally sent me a 3rd escrow analysis dated XX/XX/XXXX pushing the escrow yearly calculation back by one month. This escrow analysis has the proper calculation of my taxes/insurance for XX/XX/XXXX. Please note that Bayview finally showed the tax over-payment as a credit of {$1700.00} on XX/XX/XXXX that was referenced in my XX/XX/XXXX monthly statement. Left to be resolved is the correct amount of escrow cushion that Bayview is allowed by federal law to hold. The new calculated monthly escrow amount is {$640.00} x 12 months through XX/XX/XXXXand equals {$7700.00} for taxes and insurance in XX/XX/XXXX. Previously, I had informed Bayview that it is my understanding their escrow calculations should include an escrow cushion at 1/6th the yearly escrow amount, which indicates a new escrow cushion of {$1200.00}. However, my escrow balance going into this XX/XX/XXXX yearly calculation is {$5400.00}. Therefore, I believe Bayview Loan is in violation of federal law by withholding my escrow overage amount of {$4100.00}, which should have been forwarded to me within 30 days of their corrected analysis of XX/XX/XXXX. Can you please provide my with some assistance without the need of me having to hire an attorney in this matter. Thank you.
08/29/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 331XX
 Web
Our firm, XXXX XXXX, has been monitoring our clients ' request for mortgage assistance with Bayview Loan Servicing ( " Bayview '' ) to help facilitate the process and ensure Bayview 's compliance with Regulation X. For the past several months, Bayview has failed to act diligently and continues to send our clients inappropriate requests for documents that have been previously provided or are otherwise unnecessary for any reasonable purpose. Our clients submitted their loss mitigation application on XXXX XXXX, XXXX via facsimile. A hard copy was sent via certified mail, which was received on XXXX XXXX, XXXX according to U.S. Postal Service. Bayview sent a letter dated XXXX XXXX acknowledging receipt of supporting documents however ; it did not specify whether any additional documents were needed. Then on XXXX XXXX, we received an email from opposing counsel ( " OC '' ) in the pending state foreclosure action requesting additional documents needed for the review. The very next day, XXXX XXXX, the Borrowers submitted all of the items requested via facsimile except for XXXX ( P & L statement for entity XXXX XXXX XXXX XXXX ) because the entity referenced was not an active business and only held title to properties for the Borrowers ' kids. Bayview was notified of the foregoing with the response. Subsequently, Bayview sent correspondence that included a letter dated XXXX XXXX requesting additional documents that was allegedly sent to our office but it had the incorrect mailing address on it and was never received by the Borrowers or us. On XXXX XXXX, we received another email from OC requesting more documents from the Borrowers. XXXX of the XXXX items were previously requested in OC 's XXXX XXXX email. Specifically, another XXXX form was requested for XXXX XXXX XXXX XXXX even though XXXX was already submitted on XXXX XXXX, which we verified was correctly and completely filled out. The XXXX erroneous request was related to a P & L statement for an entity that produces no income as previously explained to Bayview. Nonetheless, the requested items were sent to Bayview on XXXX XXXX, including a signed and dated letter of explanation regarding the entity XXXX XXXX XXXX XXXX XXXX and another copy of the XXXX Form that was already submitted. We also sent Bayview a Notice of Error ( " NOE '' ) addressing its unnecessary and duplicate requests. Shortly after, we received a letter from Bayview dated XXXX XXXX unrelated to our NOE confirming they corrected the mailing address & requested the same HOA information that was sent on XXXX XXXX. Again, we sent Bayview the XXXX docs. Then on XXXX XXXX, Bayview sent a response to our NOE blatantly lying. Page XXXX of their response stated the Borrower only included tax year XXXX and XXXX on the XXXX form, however that statement was wholly inaccurate. Moreover, Bayview attached a " copy '' of the allegedly incorrect form, which was altered by Bayview to try to substantiate their erroneous request. We sent Bayview an NOE on XXXX XXXX in connection with the false allegations. Even after Bayview was sent a signed and dated LOE regarding the entity status of XXXX XXXX XXXX XXXX, we received an email requesting XXXX P & L statements that asked us to " provide {$0.00} income/ expenses profit & loss statement '' for the aforementioned. Then on XXXX XXXX, Bayview sent our office a letter stating the application was still incomplete and referred us to a previous letter that was allegedly sent XXXX XXXX. But, the letter was never received because it was sent to the incorrect address, which Bayview claimed was already corrected in their system when we notified them previously. The XXXX XXXX letter requested the P & L for XXXX XXXX XXXX and the " master condo policy ''. Even though Bayview was provided the condo insurance policy back in XXXX XXXX, we re-submitted the requested document on XXXX XXXX.
04/06/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • FL
  • 33141
 Web
Good day, I am writing to you to complain about the treatment that I am receiving from my lender/servicer Bayview Loan Servicing. On XXXX XXXX, XXXX I applied for a short sale for my property with Bayview loan servicing, I sent in all my documents and an offer I had for my property to Bayview loan servicing, it was all forward to the person that was assigned to me to help with the process and answer any questions during the process, XXXX XXXX XXXX. By XXXX XXXX, XXXX XXXX XXXX XXXX contacted me and told me that he had started me on a home loan modification ( MOD ), because he did not have all the documents he needed and since I had mentioned to him that I would like to keep my home but did not want to suffer a foreclosure because they had a bad track record on approving MOD, and the courts had moved me to foreclosure sale in the middle of the case. XXXX XXXX XXXX assured me that I was a good candidate for a MOD and that he was very confident that I would be approved for a trial MOD and eventually, if all payments were made during the trial MOD I would be moved to a permanent loan modification. His words were very encouraging and I agreed to move to a loan modification, I filled out the paperwork requested from me from Bayview to move from short sale to MOD, ( changed section XXXX of the XXXX from wanting to sale my home to wanting to keep my home ) I provided all my income information, all information requested from Bayview was sent in in a timely manner. On XXXX XXXX, XXXX XXXX XXXX XXXX finally responded to my many phone voice mails and emails, to ask me about my schedule C earnings, I provided him with the information requested over the phone and also sent in paperwork regarding vacation rental income that they wanted me to omit from the profit loss they had requested, XXXX XXXX XXXX told me that he would explain everything to the underwriter and get back to me the next day. After a few days passed and I received another letter from Bayview requesting the same information, and no call back from XXXX XXXX, I started to call and leave messages for him on a daily basis, I also wrote at least XXXX emails to date, I have been reaching out to XXXX XXXX XXXX to explain to me why am I still receiving the same requests, and also if it is possible to reapply for the MOD if this underwriter denies me, as I have lost the buyer I had for my home by now. It is now XXXX XXXX, XXXX, I have not heard or received anything from XXXX XXXX XXXX, not a single word. I have written to him begging that he please get back to me so that I can have a clear understanding of what is going on and to elaborate on the information that he said he would discuss with Bayview, and I have heard nothing back from him to date. I have sent and called XXXX XXXX, emails and voicemail combined more than XXXX times, and not even a word. I have tried to call Bayview to see if I can get someone to actually help me with my concerns and questions, and every time I submit my loan number XXXX get transferred to XXXX XXXX and get his voice mail. I now have until XXXX XXXX, XXXX to resolve the MOD issues or my home will go to foreclosure sale, I no longer have the time to do a short sale, I lost the buyer I had and I much prefer to keep my home at this point. My income has improved enough for me to be able to pay this mortgage with just a little help from Bayview, however, it seems as they are stringing me along so that they can take my home and put me on the street, even though, the appraised value of my home is more than half of what I owe, it was explained to me by XXXX XXXX that the underwriter will grant a MOD if the numbers were better than what they can get in a short sale for the investors, I owe {$670000.00}. and the house was just appraised for {$340000.00} by Bayview. I am still trying to reach XXXX, and have not heard on word or email XXXX/XXXX/XXXX
08/15/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20708
 Web
This is a follow up complaint that started with the following reference Case Numbers XXXX and XXXX Both case numbers above started with a complaint against XXXX Bank who then responded that they never asked XXXX XXXX XXXX Bank to place our home under a modification and simply sent it to them. This was done even though our home was not in a state that even required a modification and after a XXXX representative did not respond to an email from us making payment. I have since recovered the email communication. After another case was opened against XXXX XXXX XXXX Bank for the second case, XXXX XXXX XXXX Bank responded that they will provide a response in 60 days. XXXX XXXX XXXX Bank which shares office location and even telephone exchange lines with Bayview Loans that is currently servicing the loans for XXXX XXXX XXXX Bank. Both XXXX XXXX XXXX Bank and Bayview loans submitted false documentation that I refused to sign and still have the copy of that false document. In addition XXXX XXXX does only has XXXX record of a modification that we completed with XXXX XXXX XXXX Bank and Bayview loans even though we have completed at least XXXX such modifications all of which was done while I was a XXXX on a XXXX in XXXX and coordinated with my wife back in XXXX. To date I have not received a response from XXXX XXXX XXXX bank This third complaint is against Bayview Loans after I found out they have started illegally processing a XXXX modification without my consent or signatures. They have not addressed the missing modifications that caused our current loan balance to be at least {$60.00} thousand higher than what it actually is. Bayview Loan also has agents that have been unprofessional and have actually been advising my wife to file a divorce because I have refused to back down from their corrupt and illegal modifications that were not reported to XXXX XXXX. Below is an email that was sent to Bayview Loans Escalation Unit dated on XXXX XXXX. They have ignored this report and started processing a modification without addressing my complaint. Ironically, it is XXXX processing a modification without m To the Escalation Unit ; XXXXXXXXXXXX ' and XXXXXXXXXXXX ' I am writing to report several discrepancies and outright fraud which has been reported to Federal Trade Commission upon referral from XXXX XXXX the source of the mortgage funds as well as to XXXX Bank 's Mortgage escalation Resolution Team. The first mortgage modification done in XXXX was illegal as I was within the timeframe to send the payments to XXXX bank but because one of their employees failed to do their job, we ended up in a modification that has set us on this course of the balance owed on our mortgage not reflective of the at least {$130000.00} of mortgage payments made since XXXX of XXXX when we first purchased the house for {$210000.00}. I have also completed several modifications since XXXX that were placed with XXXX bank whom you share office space with and none of these are recorded with XXXX XXXX the source of the funds to XXXX. One of your managers also had an inappropriate relationship with my wife and that conflict created a hostile situation which was recorded of one of your employees telling my wife to file for a divorce. The last agent XXXX also communicated information to my wife while she was in XXXX about funds I was to receive from a contract with the State of Georgia that has also led to a situation wherein conflicts have arisen with the property. Your office or XXXX XXXX XXXX bank also asked me and sent to me a document asking me to append my signature to a fraudulent change made to XXXX of the modifications. I have kept that document as evidence again of an attempt by your companies to fraudulently take our property from us. In addition, I am of the view that the current mortgage balance you are showing on record is wrong
09/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91709
 Web
My mortgage servicer Bayview Loan Servicing is attempting to illegally foreclose on my home. We received a loan modification in XX/XX/XXXX with a payment of {$3900.00} a month that we paid as agreed for 30 consecutive months. In XX/XX/XXXX Bayview refused to accept our payment and told us they only way we could resume making payments was to pay them a six figure lump sum for reinstatement. We were eventually told that we had not SIGNED our modification agreement in XX/XX/XXXX so our modification was now vacated and we owed them close to one hundred thousand dollars because we were not paying the negative amortization payment that had doubled and recast. Since that time we have tried repeatedly to get the modification back in place or to get a new one but our documents are constantly misplaced or lost by the Bayview staff. We called to follow up so many times that we became friendly with a customer service employee who confided in us that " Bayview will never modify our loan no matter what documents we send in because they want our house. '' We ended up hiring a law firm to help us with the modification and they advised that we file a chapter XXXX bankruptcy to protect the home while they tried to negotiate with Bayview. The negotiations never happened and then Bayview filed a motion to remove the stay of bankruptcy protection even though the bk was still active and this was the only bankruptcy that had ever been filed that encumbered this property. To make matters worse, our BK attorney was a no show to the hearing so our case was thrown out. As soon as that was done Bayview set a sale date for XX/XX/XXXX and I believe that no matter what we do or how much our income is that Bayview will never conduct a fair and transparent review of our current and correct financial situation and will instead push to foreclose. They are engaging in dual tracking -- -sending us a letter telling us they have our documents and we are in review, then a couple days later telling us our house will be sold at auction. The letter we received was not from a single point of contact -- instead we are assigned to the residential asset manager. Then like clockwork, we were contacted this week by Bayview and told that we are missing documents and they can't conduct the review. My husband and I both have good jobs and make a good living. We have lived here for 15 years and this is the only home our XXXX young children have known. Bayview is violating RESPA and the FDCPA as well as the California Homeowner Bill of Rights. Not only that, but the whole reason we are in this mess is because after two and a half years of accepting our modification payment they claimed that our modification was invalid because we did not sign the paperwork. Please note that we did receive paperwork with bullet points with the terms and noticed that there was a provision for a balloon payment of {$450000.00}. We did not understand what this was for or how it worked. We made multiple phone calls to Bayview to try and get an explanation of the paperwork -- -the {$450000.00} balloon seemed incorrect and predatory and we wanted to speak with a representative from our mortgage company to discuss. We made at LEAST 10 attempts to contact Bayview and speak to someone about our agreement but could never get anyone on the phone who could help us. Multiple messages were left but never returned. We finally went to our Attorney with the paperwork. He reviewed the information and advised us not to sign because of the extreme risk and questionable terms. So the paperwork was never signed and returned. However, Bayview continued to accept our adjusted modified mortgage payment for the next 30 months. Then they decided that the agreement was null and void and that we had to reinstate a six figure lump sum otherwise we were in default which would lead to foreclosure.
05/12/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94947
 Web
My ex-wife & I rec 'd a disaster relief loan in XXXX ( XXXX ). We divorced in XXXX. My ex was awarded the property & was court ordered to refinance to remove me from all existing/future debt associated with the property. The property was refinanced in XXXX and multiple times thereafter. I am unsure when but ( according to Bayview ) my ex filed bankruptcy and in XXXX, Bayview Financial aka Bayview Loan Services added my ex-wife 's social security number as my alias & reported me as delinquent for the debt. I disputed the report with Bayview and was told because I was on the original loan, regardless of the court order the debt was mine. I noticed that the debt was gone from my XXXX report ( I monitor regularly ) so I assumed that Bayview corrected their mistake. My current wife and I are now trying to buy a house. We recently discovered that Bayview is reporting me as delinquent, under XXXX different accounts and with my ex-wife 's social security number. When I called the credit reporting agencies I was told that because the company reported me as applying for credit with that social security number it would remain unchanged. My wife and I have been communicating with and providing Bayview with everything they have asked for/need to remove all Bayview reporting, including my ex-wife 's social security number, from my credit. We told each Bayview representative that we do not need my credit report fixed right this minute - what we need is a letter from Bayview confirming that Bayview wrongfully reported me as delinquent & is working to fix the problem. To date, Bayview refuses to provide me with the letter I need to secure an affordable home loan. One representative confirmed that my case seemed odd and told me that my file was being sent to the escalation team. My wife has been calling endlessly trying to get answers from Bayview. I provided several written approvals giving Bayview permission to talk with my wife. However, some times she was told they ca n't talk to her and other times she was told " I do n't have access to another representative 's records. '' Some reps could find the delinquent account and some could not. Every time we called, we would get the run around. My wife finally called Bayview 's attorney and we were provided with a name and direct telephone number. That person provided us with someone else 's info. Unfortunately, every time we call we are asked for some type of proof to support our claim. First Bayview 's escalation dept told us to file a credit dispute. When we explained that all we needed was a letter from Bayview clearing me of the debt ( we could fix my credit later ) we were told something along the lines of " Dispute it & I will see what I can do. '' When we called for an update, we were asked for the divorce decree. They already had a copy so we had to produce a copy of the XXXX Quit Claim deed. We provided the document to Bayview within hours. We also provided property reports. We called for updates and were told to provide a copy of credit report ( s ) showing that Bayview was " allegedly '' reporting me as delinquent. The phone calls continued, us always having to call them only to be told " we 're working on it ''. Additionally, every time we spoke with the Bayview rep we were explicitly clear that we are trying to buy a house and all we need is a letter from Bayview indicating that the delinquent reporting is wrong, my ex 's social security number is not mine & they are working on fixing their mistakes. We waited 6 days for a status update. When my wife called Bayview today they told her that the credit report was redacted & difficult to read. My wife explained that the redacted info was hers. Bayview confirmed that what we provided was sufficient however the person " in charge '' of providing us with the letter we are asking for is unavailable.
09/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92648
 Web
My servicer Bayview has made misrepresentations in writing not only to me but also to the California AG, DBO and the CFPB. I filed a complaint against Bayview in XXXX because of issues I had with them relating to litigation, improper service transferring, and having proof of ownership through title. The complaint number was XXXX, and I have attached their response to this complaint. I have highlighted the section where Bayview " admits '' that there are title issues and at this time they do NOT have clear title and are not in a position to collect payments, let alone set a sale date. In the same paragraph Bayview notes that they did NOT file an NOD on this property on XXXX XXXX, that I was mistaken, and the NOD that was filed was an old one from XXXX from XXXX. Finally, Bayview stated that there was no sale date and they could not schedule a new sale date because they did not have clear title. This is due to the fact that my property was illegally deeded to a third party XXXX XXXX and they recorded a false sale and grant deed and tried to steal the house. I was trying to short sale the home at that time ( XXXX ) and caught this while trying to open title. I then worked with the XXXX XXXX XXXX and XXXX to assist litigation so that they could retain their asset, and moved back into the property as their counsel suggested. While in litigation XXXX XXXX XXXX assured me that due to my cooperation that they would work with me to modify the loan as soon as the matter was settled. By that time my business had rebounded and I was able to afford a fair payment. However, I was not allowed to make any payments because of the active litigation, and after the loan was transferred to XXXX it was the same situation where I worked together with their counsel to assist them so that BONY and XXXX could retain the asset ( my home ) and get it back into their name. Once again, I was told that I was not allowed to make payments but that XXXX would do everything in their power to offer a modification at the end of the process due to my cooperation and improved financial status. While still in litigation and negotiation for a modification with XXXX the loan was transferred to Bayview. In the XXXX XXXX complaint I noted that I had not been notified of the service transfer and that I had never received a decision on my modification package. Since the time of the complaint Bayview has engaged with me and a package was submitted to them via mail in early XXXX. I was under the impression that title was still not clear, they did not have the legal right to foreclose or set a sale date etc. In the past week I received a notice of sale for XXXX XXXX. I spoke with my account manager at Bayview who claimed that my package for modification review had never been received, so I re-sent everything electronically directly to him on XXXX XXXX. Here are the misrepresentations made by Bayview We do not have clear title and are still working out this issue. We do not have the legal right to foreclose and will not schedule a sale date -NOTICE OF SALE FOR XXXX XXXX POSTED ON MY DOOR -- LESS THAN 30 DAYS NOTICE We are working through the title issue and may need your cooperation to get this matter cleared up. NO COMMUNICATION OR NOTIFICATION THAT THE TITLE ISSUE WAS CLEARED UP -- JUST A NOTICE OF SALE We did not file a NOD nor post it on your door on XXXX XXXX, XXXX, you are mistaken, that is an NOD from XXXX that was generated by SPS-FALSE, I HAVE ATTACHED THE COPY OF THE NOD AND IT WAS GENERATED ON XXXX WHILE BAYVIEW SERVICING WAS HOLDING THE LOAN Bayview is engaging in dual tracking and attempting to set a sale date without completing a review of my current and correct financial information in violation of California HBOR rules and they have not provided proof they hold title and have posted an NOS with less than 30 days notice.
04/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28601
 Web Servicemember
My daughter and I had a mortgage with XXXX . She became delinquent and contacted XXXX . They lowered her mortgage payment due to her being a XXXX . They sold the loan to Bayview Loan Servicing LLC ou t of XXXX XXXX , Fl. Bayview did not honor the reduced payment arrangement and raised her payments without notice. They also did not advise her that the escrow account was delinquent due to the reduced payments. 2 months after the sale of her mortgage she was notified that she was delinquent and going into foreclosure. She paid the amount that was requested in XXXX and again in XXXX to become current. When she tried to make her payment in XXXX and XXXX , the payments were refused because they said she was still in foreclosure. She had been working with XXXX XXXX at Bayview to work out arrangements. She advised XXXX that she was going to a consumer debt agency and needed the payment history, which she never received. I received a call from XXXX XXXX for the first time on XXXX and was told that if I paid {$2800.00} by today XXXX then the account would be current. I requested the payment history that my daughter needed and she emailed it to me. I borrowed {$3000.00} to become current and when I called back to make the requested payment, it was refused. I was told by XXXX that the account was in foreclosure as of the XXXX and there would be additional fees for the attorneys and to bring the account out of foreclosure. I called today XXXX at XXXX and spoke with XXXX in Bayview 's Pennsylvania office. S he said the amount needed to become current was {$2800.00}. When I questions why the difference, she asked me to hold to talk with XXXX . XXXX was not available so she set me up an appointment for a call back at XXXX XXXX . I got a call at XXXX XXXX from XXXX XXXX She said she was calling early because she had to go to a meeting. My daugher also had call back appointments that did not get them at the time arranged. XXXX claimed that she had talked to me several times, when in truth she talked to my daughter. When I disputed her talking to me, she said " so I was confused ''. She because very defensive when questioned and said that I could not blame her because we were delinquent. She said she had documented the number of times she had tried t o call, but there was no messages left on our voice mail nor any letters sent since the one rece ived in XXXX XXXX . When I talked to her today, she quoted additional fees of {$1900.00} in addition to the {$2800.00} for a total of {$4800.00} because the account went into foreclosure on XXXX not XXXX as she implied yesterday. She left the line and her manager agreed to waive the " late '' fees of {$110.00}. I asked to pay the {$280 0.00} out of my daughter 's checking account and the additional fees of {$1900.00} - {$110.00} = {$1800.00} out of my account. She said she could not take bu t one paymen t per day and refused. She said she would have to call back on XXXX for the 2nd paymen t. XXXX also said after the account was posted current, it would be moved from foreclosure to current and I could make future payments on line. I know that the delinquency is my daughter 's fault and mine for not keeping tabs on the account. What I am upset over is that I was never notified before foreclosure, being accused of lying about talking with XXXX XXXX , the refusal of payments, and that they are always giving different amounts to pay to become current. XXXX also refused to give numbers to their corporate office, where collection policies are developed. Her manager XXXX XXXX also refused to talk with me because " he could not tell me anymore that she could ''. This company should not be allowed to continue their policy of giving different information and having no repercussions for lying.
02/26/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • AZ
  • 85024
 Web
This is regarding complaint # 's : XXXX and XXXX. I had to submit a new complaint bc the dispute button wouldnt work. I would like for this to go to the attention of XXXX. On XX/XX/XXXX I sent a certified NOE letter to Bayview ( attached ). On or about XX/XX/XXXX I received an email from a XXXX to call him at Bayview. ( attached ). XXXX proceeded to tell me that Bayview, himself and his department were very sorry I was in foreclosure that it should have NEVER happended! I SAID I KNEW THIS AND WAS TRYING TO TELL BAYVIEW. Where this led me to was the most devestating financial crisis I have ever been involved in and am still trying to save my home from the reprecussions of that and OF THE newest foreclosure Bayview has in process with an auction date of XX/XX/XXXX ... .To continue XXXX said to me throw your foreclosure letter away, we will be putting a cancellation on that, we are also putting XXXX into a suspense account and will re-do the payments as per the bankruptcy plan and will be giving you a new payment and payoff. I said thats good news, are you also going to CREDIT my account all of the other wrong charges they placed on my account ( i.e., appraisals, misc fees, misapplication fees, late charges foreclosure charges, attorney fees, etc ... ) XXXX said Im sure the bankruptcy department will be going through your file with a fine tooth comb. I said OK. XXXX said call him back after XX/XX/XXXX and he should have all the information and we 'll go through at that time where I stand with my loan. I said OK and could I please get this in writing XXXX. He said he could not, but would tell the bankruptcy department that I am requesting a letter in writing stating that they made the mistake and are cancelling the foreclosure and redoing my loan with an audit on my loan. This was Wednesday before XX/XX/XXXX. On Friday after XX/XX/XXXX I received two certified letters that they were starting the foreclosure process again!! I had n't even received my letter from the bk dept of what XXXX and I spoke about 2 days ago. On that Monday XX/XX/XXXX I called XXXX to let him know of the letters I received and also to let him know I have n't received ANYTHING from him or the bk department about that we talked about but I am receiving ANOTHER FORECLOSURE letter. I 'm not happy bc after all XXXX you told me that my account is very sensitive and you will be on top of it and not to worry! It does n't look that way to me ... .XXXX told me he would get with the bk department and get this settled and to call in XX/XX/XXXX. I am attaching the 1st foreclosure cancellation, the email from XXXX and the so-called letter the bk dept was suppose to send me showing their audit and credits on my loan. What I got was an inhouse report that has codes I can not decipher and I do n't see anywhere on this report credits regarding my NOE LETTER nor do I see where they redid any payments and if they did I can not decipher what they have done, and on top this report came with NO LETTER addressed to me telling of our conversation we had. From this time until the beginning of XX/XX/XXXX I did my own research and purchased a Quiet Title for {$700.00} ( attached ) and also talked to a few attorneys ( consultation ) on what I should do. Some told me to file another chapter XXXX to stop the foreclosure which I had thought about but did not even have the money for that, which I still do n't believe I should have to I just completed a chapter XXXX in XX/XX/XXXX successfully. Then I tried to sue Bayview, but do not have NEAR ENOUGH money to get that going ( have tried pro-bono and legal aid ) I am XXXX to rich for any legal aide support and NOT rich enough for hiring an attorney. I was in the process of going to federal court on my own ( prosec ) to sue Bayview for this entire financial crises they have put me in.. ( continued.
06/02/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • AZ
  • 85249
 Web Servicemember
DENIED ACCESS TO OUR MORTGAGE ACCOUNT ELECTRONICALLY AND ON PAPER FOR ALMOST TWO YEARS ( SEE FULL COMPLAINT UPLOADED WITH EXHIBITS ) During the past year, I suffered XXXX, therefore, I was unable to respond to XXXX XXXX XXXX and Bayview Loan Servicing. Therefore, I am filing this new complaint with exhibits. Due to my XXXX, I will be filing new complaints, individually. On numerous occasions, I have requested through Qualified Written Request, emails and telephone calls to Bayview Loan Servicing LLC sub-servicer for access to our mortgage loan and account via electronically through the website or on paper through the mail. For over about 18 months or about 550 days, Bayview Loan Servicing denied us access to our mortgage account information, the denial of access included electronically through the website and on paper through the mail. For over an estimated 18 months or estimated 550 days Bayview Loan Servicing denied us access to information on payments currently due and previously made, fees imposed, transaction activity, application of past payments, and housing counselors, information regarding delinquencies, information regarding escrow accounts, information regarding insurance payments, information regarding error corrections on escrow and payments. On XXXX XXXX, XXXX, XXXX XXXX of Bayview Loan Servicing states XXXX XXXX XXXX is the Master Servicer and Bayview Loan Servicing is the sub-servicer. ( See Exhibit XXXX, XXXX/XXXX/XXXX Letter from XXXX XXXX Bayview Loan Servicing ) On XXXX XXXX, XXXX, took a print screen of Bayview Loan Servicing website denying us access to our Loan. ( See Exhibit T, XXXX/XXXX/XXXX Print Screen ) On XXXX XXXX, XXXX, sent an email to Bayview Loan Servicing stating " We are still being denied access to our loan '' ... also stated " We would like the privilege like everyone else to be able to upload our HAMP modification documents online through our account '' ... Web site stated " Unfortunately because of the status of your loan .... '' ( See Exhibit U, XXXX/XXXX/XXXX email to Bayview Loan Servicing ) On XXXX XXXX, XXXX, XXXX XXXX, Case Manager for Bayview Loan Servicing stated ... '' This correspondence is sent in response to your inquiry received dated XXXX XXXX, XXXX ... .You do not have access to view account via Bayview 's website ; Regarding ( 4 ) above, Our records indicate that your loan is contractually due for XXXX XXXX, XXXX and succeeding installments. Once your account is brought current, access to your online account will be restored. '' XXXX XXXX states access to account will be restored ; however, XXXX XXXX, fails to mention, from XXXX XXXX to estimated XXXX XXXX, Bayview Loan Servicing never allowed us access to our account via electronically or on paper. ( See Exhibit V, XXXX/XXXX/XXXX Letter from XXXX XXXX Bayview Loan Servicing ) On XXXX XXXX, XXXX, sent a QWR to Bayview Loan Servicing via email stating " I do n't have online access to my online account. '' ( See Exhibit W, XXXX/XXXX/XXXX email to Bayview Loan Servicing ) On XXXX XXXX, XXXX, called Bayview Loan Servicing and spoke with XXXX XXXX stated to him I was frustrated because we have been denied access to our account from the time the account was transferred to Bayview from XXXX until now. ( See Exhibit W, XXXX/XXXX/XXXX email to Bayview Loan Servicing ) On XXXX XXXX, XXXX, took a print screen of Bayview Loan Servicing website denying us access to our Loan. ( See Exhibit X, XXXX/XXXX/XXXX print screen ) On XXXX XXXX, XXXX, I sent another QWR to Bayview Loan Servicing stating " We are still unable to access our loan information online. We have notified Bayview Loan Servicing on several occasions that we are unable to access our loan information ... XXXX '' ( See Exhibit Y, XXXX/XXXX/XXXX, email to Bayview Loan Servicing ) ( SEE FULL COMPLAINT UPLOADED WITH EXHIBITS )
05/21/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 954XX
 Web
The mortgagee has illegally blocked my attempts to save my home through an ongoing pattern of unfair, unlawful and fraudulent business practices and has scheduled foreclosure sale of my property although the valid and material default in legal obligation is on the part of the mortgagee. I have sent Notices of Grievance pursuant to the Deed of Trust but instead of taking corrective measures they continue to add illegal fees and interest draining my equity and repeatedly scheduled unlawful sales in an effort to extract money which I do not owe. They are in violation of the loan contract, XXXX, the FDCPA and in Contempt of Court Orders. I was led into default by misrepresentation in XXXX prior foreclosures and unlawful overcharging hindered my ability to make payments. The FTC action against XXXX found this a violation of XXXX and the loan contract. They induced me to enter the modification program while concealing the lack of authority to modify. My attempt to make payments was prevented by the bank 's agent who instructed me not to do so excusing my performance pursuant to XXXX ( The want of performance of an obligation is excused when such performance is prevented or delayed by the act of the creditor. Refusing or hindering payments was a failure of an implied condition precedent of the XXXX requiring payments. Foreclosure was initiated without first considering my loan for modification as required by the XXXX Judgment and was in CONTEMPT of a Court which within the XXXX XXXX XXXX is a denial of my Due Process of Liberty " to establish a home '' and will cause me " irreparable injury ''. Foreclosure was initiated without a Notice of Acceleration and in the absence of default as thousands of dollars of illegal overcharging had not been refunded. While the XXXX provides that no offset owed by the lender relieves the borrower from monthly payments there is no conclusive presumption that this applies to illegal over-charging that is withheld which is prohibited by the XXXX. The mortgagee filed forged instruments in the Recorders Office in violation of XXXX XXXX XXXX clouding my title. The XXXX was violated when the entity purporting the right to invoke the power of sale was not the lender of record and had no legal interest in the loan. In an attempt to amend the defect a back-dated, robo signed document purporting to be an assignment was filed but the XXXX remained void as at the time of the notice the entity lacked the authority to record the notice. The assignment was executed by XXXX in its individual capacity and resulted in no transfer of interest as a nominee XXXX assign a XXXX only on behalf of the lender. XXXX failed to disclose under whose authority it was " assigning '' interest as required under the statute of frauds. XXXX ( " In general, if some other person executes a deed on behalf of the grantor, the grantor 's authorization must be in writing. " Noncompliance with Statutory requirements results in the unenforceability of the contract due to Statute of Frauds '' XXXX, XXXX. XXXX 2006 XXXX could not assign a defective obligation four years after its closing date under XXXX regulations and is not the noteholder according to court testimony in XXXX. My loan is a not a " qualified mortgage '' and any income would be a prohibited transaction subject to 100 % taxation. Default related fees were added to my account and they assured me that it was a technicality in the modification process. I relied to my detriment and spent hundreds of hours applying and resubmitting " lost '' documents. Instead of affordable loan terms I was denied for over-forbearance occasioned by their delay. The Mortgagee is attempting to wrongfully foreclose as the breaching party and by means of a void XXXX and assignment. These actions deprive me of any benefit and would cause me irreparable injury.
08/07/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 91773
 Web
XXXX/XXXX/XXXX - Dear CFPB : Out of sheer necessity, the egregious ongoing situation with Bayview Loan Servicing , LLC, dictates that a XXXX complaint be filed with the CFPB. The first complaint ( Case # XXXX ) had to be filed earlier this year in order to accomplish resolution with Bayview and thank the CFPB immensely for stepping in and resolving that. From XXXX to XXXX/XXXX/XXXX, and ongoing, have made numerous attempts to have Bayview remove unnecessary Forced Placed Insurance on my home. Bayview has repeatedly been emailed/faxed documents that they themselves requested in order to remove the Forced Placed Insurance to no avail. Bayview adamantly refuses to remove the Forced Placed Insurance from my account and now are seeking foreclosure on my home in XXXX, XXXX. Bayview commands payment of the Forced Placed Homeowners Ins., $ XXXX/month for XXXX, included in my monthly mortgage to bring my account current. In my own personal experience with Bayview and opinion, it appears that Bayview perhaps is utilizing unethical business practices and maybe even illegal ones to unjustly enrich themselves at the financial expense of the homeowner. Homeowner 's insurance, that I pay for, has been maintained on the home since the loan inception in XXXX with no escrow accounts attached for either insurance or property taxes and no lapse in coverage. There has/is more than adequate hazard insurance maintained on my home. Bayview already had in-house/on-hand the insurance documentation to show proof of insurance for XXXX and XXXX and yet blatantly proceeded to commence with Forced Placed Insurance anyway. There have been times that the monthly insurance payments were late, yet the insurance company provided a grace period, the premium was paid, the insurance company accepted the payment with no lapse in insurance coverage. The following are Exhibits attached showing the actions from XXXX, XXXX to XXXX XXXX, XXXX date : Exh. # 1 - XXXX Email to Bayview XXXX XXXX Request for Insurance Carrier InfoExh. # 2 - XXXX Email to Bayview XXXX XXXX Request for Insurance Carrier InfoExh. # 3 - XXXX Email to Bayview XXXX XXXX Request for Proof of H.O. 's InsuranceExh. # 4 - XXXX Email to Bayview XXXX XXXX Request for Proof of H.O. 's InsuranceExh. # 5 - XXXX Email Response from Bayview On Docs Required to Remove Forced Placed Insurance - PARTICULARLY IMPORTANTExh. # 6 - XXXX Email to XXXX Requesting Ins Policy Declaration DocsExh. # 7 - XXXX XXXX XXXX H.O. 's Insurance Declaration Doc XXXX SetExh. # 8 - XXXX XXXX Declaration of H.O. 's Page XXXX SetEx. # 9 - XXXX Email to Bayview XXXX Set of H.O. 's Ins Declaration Docs Sent/1st Request to Remove Forced Placed Insurance From My AccountEx. # 10 - XXXX Email to XXXX - Inquiry Regarding Bayview Ins Dept. , XXXX, MIEx. # 11 - XXXX Email From XXXX - XXXX Set of H.O. 's Ins Dec Docs Originally In-House at BayviewEx. # 12 - XXXX FAX to Bayview, XXXX, MI Re Declaration of Ins DocsEx. # 13 - XXXX Email From XXXX - Bayview Insurance Dept AddressEx. # 14 - XXXX Bayview Pays XXXX Annual PremiumEx. # 15 - XXXX Email to Bayview - XXXX Request to Remove Forced Placed InsuranceEx. # 16 - XXXX FAX to Bayview, XXXX, MI Copy of XXXX Bayview Email attachedEx. # 17 - XXXX Email to XXXX Re Removing Forced Placed Ins From Foremost InsEx. # 18 - XXXX XXXX Refund Ck to Bayview for {$740.00} pymt. Ex. # 19 - XXXX Email From XXXX Bayview Again Attempts Forced Placed InsEx. # 20 - XXXX Email to Bayview XXXX Request for Ins Carrier InfoEx. # XXXX - XXXX Email from XXXX XXXX Set of Ins Declaration Docs to BayviewEx. # 22 - XXXX XXXX XXXX Set of Ins Decl Docs to BayviewEx. # 23 - XXXX FAX From XXXX to Bayview XXXX Set of Ins Decl Docs to BayviewEx. # 24 - XXXX Email From XXXX XXXX to Bayview - XXXX Request to Remove Forced Placed InsuranceEx. # 25 - {$14.00} Monthly Unjust Enrichment
10/26/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30135
 Web
To Who It May Concern, I have been getting the runaround from BayView for almost a year now about my mortgage. I 've sent in the requested documentation 3 times for my modification and have gotten absolutely nowhere. I have filed other complaints with the Comptroller of Currency and the Consumer Financial Protection Bureau, but BayView has carelessly handled my file and have even misrepresented facts. I started my Request for Mortgage Assistance in XXXX XXXX and corrected the my mailing address in XXXX XXXX. For some unknown reason, Bayview has continuously sent requests for additional information and other pertinent documents to the previous address. In XXXX and XXXX XXXX, I provided Bayview with the correct mailing address once again. Unfortunately, in spite of that, they sent requests for additional information and other pertinent documents to the previous address. This was demonstrated in the complaint response that was submitted by Bayview on XXXX XXXX, XXXX. ( See Case number : XXXX ) The representative that was assigned to my file claimed that Bayview did n't send me any documentation because of a cease and desist that was placed on file ( attached ). The interesting part about that is the fact that the cease and desist specifically requested for Bayview to ONLY communicate with me in writing via mail or e-mail. What 's even more interesting is the fact that according to the aforementioned complaint response, Bayview sent correspondence via mail AFTER the cease and desist was sent, but it was mostly to the wrong address. ( See Case number : XXXX ) Although I had already provided Bayview with the requested documents twice before and had n't heard anything in response concerning an approval or denial, I received a foreclosure notification in the mail on XXXX XXXX, XXXX. My home had a foreclosure sale date of XXXX XXXX, XXXX. I provided Bayview for the documents that they had requested for the 3rd time on XXXX XXXX, XXXX. Prior to that, I provided Bayview with the documents that they had requested in XXXX XXXX and XXXX XXXX. I have documented proof of all of the files that I have sent to BayView, yet each time, they claim that they have not received the files that they requested from me. Today, XXXX XXXX, XXXX, I received yet another notification requesting even more documentation where the vast majority of had already been provided in XXXX XXXX and XXXX XXXX. Although Bayview received a complete file on XXXX XXXX, XXXX and confirmed receipt of that file on XXXX XXXX, XXXX, they absolutely refused to stop the foreclosure that was scheduled on XXXX XXXX, XXXX. This is infuriating because I have received documentation from Bayview and have had multiple representatives tell me that they can not post-pone or stop the foreclosure until they receive a complete file. I 've called Bayview and XXXX XXXX on a daily basis trying to obtain status of my modification and foreclosure and have witnesses to prove it. I 've left messages to and scheduled appointments to no avail because either the representative that was assigned to me would not return my call OR would " no show '' me for my appointment. The only way I have been able to really learn things about my loan modification is through other loan modification representatives who work for Bayview. I have reason to believe that Bayview and/or the representative that is assigned to my account is deliberately stalling and mishandling documentation that has been sent to them in effort to thwart the loan modification that I am dire need of. Here I am 6 days away from foreclosure and they are claiming that they can not proceed with the modification because I have not provided them with the requested documentation which is an absolute lie. Everything is there and has been there since XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX!!!
07/21/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 91766
 Web
In XXXX 2015 my loan was transferred to Bayview by XXXX XXXX XXXX. XXXX XXXX XXXX told me that Bayview would be sending me some type of communication and welcome package, if they have n't done so already. 2 weeks went by and still nothing was sent to me. I called Bayview and I spoke with a rep XXXX. I provided XXXX my SSN since I did n't have an account XXXX, XXXX yet. I explained to her that I needed to make a payment. XXXX stated that my SSN is n't in their system yet to give it another week or so. I called back and spoke with a rep, said my account has an assigned case manager since I was in Bankruptcy and she was gone for the day. I explained to him that I needed to make a payment, but refused. Said I can only make a payment with my case manager. This is frustrating. He sent my case manager an email and requested that she call me back. A week goes by and still no response. I call Bayview back again, and spoke with a new rep, who again stated they ca n't speak with me and will relate a message to my case manager. Said the usual turnaround time is about 7 days. By this time, it 's XX/XX/XXXX and I still have n't heard a response back. I called back XXXX XXXX, XXXX, and XXXX and with no response ( I have my cell phone records to prove that I called if needed ). Finally on XXXX XXXX, I had enough. I refused to continue to get the run around. I insisted I talk to someone right away. The rep gave me the name of my case manager 's, manager name. I left message for XXXX XXXX, expressing my dissatisfaction. About an hour after I left a message for XXXX, XXXX XXXX, " my case manager '' decides to finally call me back after 3 weeks. When I spoke to XXXX I again expressed my frustration and asked for XXXX to call me back. XXXX refused to transfer me. She apologized and said she can help answer any of my questions. Giving her benefit of doubt, I continued to speak with her. She was very helpful in gathering the information needed and even returned my call with the answers she was n't too sure of. She then explained to me, that we may be eligible for a loan modification. She sent me the packet a few days later. On XXXX XXXX, I read over the requirements for the loan mod and seen that Bayview requested mortgage statements. Since I 'm in BK I do n't get statements, so I called XXXX to get a copy. I left her a message. I left another message on XXXX XXXX. On XXXX XXXX, I decided to call and email XXXX. At this point, I just emailed and faxed in the required documents needed to proceed with the loan Modification since, again no response. On XXXX XXXX, I called Bayview and spoke with a XXXX " XXXX '', I explained to him that I was frustrated and unsure why Bayview treats their customers with little respect. He seemed surprised and said nothing was uploaded, but it could take 48 hours to show. Since I expressed my dissatisfaction with Bayview, he requested that I email him the loan documents and he will ensure they get loaded t my file and will CC XXXX XXXX, XXXX XXXX and her manager. Unfortunately he was n't able to give me the name due to policy. At this point, I 'm not surprised. I figured sine he was sending the email, someone in upper management would give me a call back as requested. Again, no response. I 've called XXXX and left her numerous voicemails with no response. I even emailed her with a delivery confirmation so I know she received my message. Today is XXXX XXXX, and at XXXX XXXX XXXX XXXX called me. I expressed to XXXX that I 've calling and emailing her and have n't heard anything back. XXXX said I 've never left a message and she 's been trying to get a hold of me and that I was rude. I requested to speak with her manager. XXXX said she is busy and will have her call me back. This is the XXXX time I 've requested to speak with someone in upper management with no respo
07/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • XXXXX
 Web Servicemember
This is being filed against Bayview Loan Servicing LLC. I have had numerous previous complaints filed in which BLS just makes willfully false statements. The last such complaint was XXXX. I am going to do this now by just dealing with one issue per complaint rather than identifying various correlated issues. This will compel them to just deal with one per complaint so that the semantically games, and other attachments they submit that are incomplete and incorrect, mostly irrelevant or uncorroborated, and uncorroborable without the proper and full depiction is not further used as the ruse they commonly initiate to inundate you with a lot of papers of little to no substantive value. I will first deal with their response to item 4 of complaint XXXX. XXXX Bayview wrote : " 4. Bayview is reporting him incorrectly to the credit reporting agencies. He states he owes less than {$1000.00} on one account ( XXXX ) and less than {$1300.00} on the other ( XXXX ). Bayview is reporting that he owes over {$14000.00} per unit to the credit reporting agencies.

To address item 4 above : Our records indicate that on XX/XX/XXXX, we sent XXXX XXXX a letter regarding his credit reporting ( copy enclosed ). The letter informed him that we were making system corrections and that once the credit reporting was updated, the loan accounts would be reported as current. We asked that XXXX XXXX allow thirty ( 30 ) business days for the information to be reflected properly through the pertinent credit bureaus. Please be advised that we are unable to view XXXX XXXX 's credit report and, as such, are unable to comment on his statement that he owes over {$14000.00} per unit to the credit reporting agencies. XXXX XXXX may provide us with a copuyo fhis credit report, and upon receipt, we would be happy to review the report and provide him with additional information. Please be advised that at this time the Unpaid Principal Balance ( " UPB '' ) for loan XXXX is {$1200.00}, and {$830.00} for the loan number XXXX. '' XXXX The complaint on this item by me is that 1 ) Bayview does have the ability to see my credit report. They illegally obtained access to my credit, it would seem, in that the cover letter states " Notice of Home Loan Application '' when in fact I had made no such request for a loan.They are again making false statements..they whether legally or illegally have access to my credit report. They sent such a report to me back in XX/XX/XXXX after one of many heated disputes occurred because Bayview was misapplying my payments to the two account. ( see attachment ( s ) Attached Image from XXXX, and credit report from XX/XX/XXXX run by Bayview latter matches email file name XXXX ) 2 ) Bayview states that if I send them credit reports they will review " we would be happy to review the report and provide him with additional information. '' ( attachments of two redacted XXXX credit reports from XX/XX/XXXX depicting XXXX & XXXX, and XXXX for same period for both accounts ) The XXXX report depicts XXXX owing {$8000.00}, and XXXX owing {$23000.00} The XXXX report depicts XXXX owing {$8100.00}, and XXXX owing {$13000.00} I was not able to obtain XXXX online, but I 'm sure its a mess also. The fact that Bayview states it asked for 340 business days from XX/XX/XXXX does not work because they have had more than 30 business days to resolve this and it is still wrong. Bayview again has made numerous false statements a ) they can and do obtain access to my credit reports b ) the balance information with the credit reporting agencies makes no sense and is actually different from one another c ) they are not resolving my issues with them they still have false information filed with the credit reporting agencies to my detriment Bayview has been guilty for years of credit reporting violations regarding these loans

07/11/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92648
 Web
My mortgage loan servicer Bayview and investor XXXX XXXX XXXX XXXX recently filed a Notice of Default against my home. They did so, even though a title report search shows that the deed is still not in my name and shows that XXXX XXXX XXXX XXXX is no longer the owner of the loan. Additionally, I was told by Bayview via letter that I was in active review for a loan modification and that they had all requested documentation. There was no further communication, and instead of informing me of an approval or denial or suspension of my request for assistance based on my financial information, they filed an NOD, in clear violation of the California Homeowner Bill of Rights which prohibits dual tracking. There is a question relating to whether these entities even have the right to foreclose because of the complicated property history. I bought this property in XX/XX/XXXX and refinanced into a negative amortization loan with XXXX in XX/XX/XXXXnot long after that my company I had worked at for 8 years went out of my business and my wife and I both lost our jobs. I worked in the mortgage business and opened a new company, but then the market crashed and I was in a downward spiral. I ended up having to short sale 5 investment properties and defaulted on all my debts. I could not afford the mortgage on this home and moved my family out and began renting. I tried to short sale the home but XXXX XXXX XXXX kept rejecting the offers -- finally they accepted the 12th offer in XX/XX/XXXX. I discovered strange activity on title -- - the property had been fraudulently transferred one month earlier ( XX/XX/XXXX ) and my name was no longer on the title. What happened was an entity from XXXX Texas named XXXX XXXX XXXX substituted itself as trustee for the first deed of trust owned by XXXX XXXX XXXX XXXX. After recording this substitution, the entity then recorded another document showing that it sold the property at a trustees sale to another entity named XXXX XXXX XXXX XXXX XXXX. At that time XXXX XXXX XXXX XXXX became the title owner of record. I contacted XXXX XXXX XXXX and was soon working with their Attorney XXXX XXXX. They told me that they were working on getting the property back into my name but were concerned because the fraudulent entity had opened escrow in order to try and pull off a quick cash sale. They told me that I needed to move back into the home because if the property changed hands and someone else moved in it may be impossible to resolve. I cooperated with XXXX XXXX XXXX and their Attorney and was promised that once this was settled they would work with me to resolve the delinquent payments and to modify the loan. However, a few months later the loan was transferred to XXXX XXXX XXXX -- I began helping the XXXX counsel and they told me that once the title vesting issue and fraud was settled that they would review me for a modification and would work to fix all of this since I had helped the investor save their asset. In early XXXX they said that the property had been deeded back into my name and that they could consider me for modification review so I submitted a package of financial information to them in XX/XX/XXXX. In XX/XX/XXXX I was told that Bayview was reviewing my financial documents for a modification, even though I did not know the loan had been transferred to Bayview and had never submitted any documents to them. What made this even more troubling was I checked my title report and the fraudulent recording was still showing up, meaning that I was not the deed holder and also that XXXX XXXX XXXX XXXX was not the rightful owner. Bayview never notified me of the disposition of my review, instead I received a Notice of Default, from an entity that does not have a legal right to foreclose ( per title ) and a servicer that never completed my modification review.
04/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 01810
 Web
In XXXX XXXX after being laid off from my job and subsequently experiencing ove r six months of unemployment, I began the process of exploring options for a loan modification. It was explicitly stated toBayviewLoan Servicing that our intent was tokeep our home. This intent was initially met with positive response fromBayviewLoan Servicing, committing that they would work with us to reduce our monthly payment. At firs t, a Bayview asset manager wo rked with me to qualify for a reduced monthly payment during my period of unemployment. We paid our monthly mortgage amount each month according to this agreement. Having regained employment in XXXX XXXX at a pay rate lessthan I was previously making, our continued objective toreduce our monthly mortgage payment and keep our homewas clearly stated throughout the review process withBayviewLoan Servicing andacknowledged by Bayview staff. At this point ( XXXX XXXX ), we had submitted all required paperwork and my assigne d Bayview asset manager instructed me toNOT PAY on our mortgageas a modification was expected to be finalized within 30 days. For the next 3 months representatives of BayviewLoan Servicing began requesting information that we had already submitted in some instances requesting the same information 2, 3 and 4 times between XXXX and XXXX XXXX . We painstakingly resubmitted information including bank statements, tax filings, expense calculations, and much more. Among other odd requests that made it seem as though they were purposefully delaying our modification, we were asked to " create '' a profit and loss statement for personal income only to be told they did n't need it. On more than one occasion, they claimed they could not understand our tax filings ( which had been accepted by the IRS ) and we and had to put them in touch with our tax preparer. I was stunned when Bayview i nformed me on Friday, XXXX XXXX , XXXX ( following8 MONTHSof collecting and analyzing our financial information ) thattheir offer was toINCREASE our mo nthly mortgagepayment by {$380.00}, in the process congratulating me for the approval of our modification and letting me know that foreclosure was an option. After threatening legal action, Bayview requested yet additional personal financial information. After reviewing, they came back with an offer to reduce our monthly payment by {$140.00} along with requirements that our loan term be extended, equity be forfeited, and fees and charges related to the modification be added to our mortgage amount, again communicating that foreclosure was an option. This modification offer was received XXXX XXXX , XXXX , 13 MONTHS after initial outreach. On XXXX XXXX , XXXX I initiated a request to Massachusetts XXXX XXXX XXXX XXXX 's office to investigate Bayview Loan S ervicing for fraud. During ongoing review, on XXXX XXXX , XXXX , I was told by Bayview that t he owner of my mortgage note is XXXX XXXX XXXX , XXXX ( the same company fined by the United States XXXX XXXX in XXXX for violations of the False Claims Act violations ). I reached out to XXXX customer service on XXXX XXXX , XXXX to request a copy of my mortgage note and was told that XXXX 's home mortgage business had been sold several years ago and the only way I could reach someone for additional information was by postal mail. It is more than evident th at Bayview Loan Servicing turned a hardship situation into an opportunity for them to promote foreclosure to their benefit. The process of delaying this modification, not fulfilling verbal promises, moving staff on and off my account several times, and the overall outcome of the bank making money on the transaction, makes clear that the entire process has been acalculated and fraudulent.
12/28/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 182XX
 Web
This is a follow up to Case # XXXX I filed against Bayview Loan Servicing. I am responding to the lies and the deceit that Bayview and XXXX XXXX XXXX. Why would I not forward a XXXX form to XXXX XXXX XXXX? Why would I write the Comptroller of Currency Chairman, XXXX XXXX XXXX XXXX Chairman, The Chairman of CFPB and not send in a XXXX page request to complete my modification. I have always sent in all the paperwork. I did not pay the last modification because I want to see everything and know everything about the agreement I am making and paying. The under hand and deceitful and sneaky way these modifications are completed are criminal. Once again the Monkeys are controlling the zoo. They reply with lies to the CFPB and you close the case. Bayview is controlling the CFPB. The CFPB is not looking into this matter or helping the consumer. The CFPB is being controlled and assisting Bayview and does not care XXXX for the consumer. I forwarded proof on the inflating the price of this property and the CFPB has not done a thing. All Bayview had to do is reply with a stack of lies and the CFPB drops the case. I would like a letter informing me to whom I have to write that over sees the CFPB. I Informed the CFPB that I was residing in XXXX XXXX XXXX, XXXX Fl. XXXX and sleeping on a blow up bed. My wife was sick and tired of the games that the financial institutions play with paper working the customers with and the lies : the rubber stamping and all these illegal foreclosures that the Florida courts and Judges should be prosecuted. They allowed foreclosures that the Financial Institutions admitted to doing illegally to proceed and be foreclosed on. I went and worked at XXXX XXXX XXXX as an XXXX XXXX. I was paper working the clients of XXXX XXXX XXXX because the Financial Institutions did not have the required work force to handle the amount of properties under water in Florida. Also, the Financial Institutions always presented the best solution for them not the customer. XXXX or XXXX different programs were available and if the customer did not ask ( The customers had no idea and were hysterical with the thought of loosing there house and being thrown into the streets. ) I was sick to my stomach. I was doing to XXXX XXXX XXXX customers what XXXX XXXX XXXX was doing to me when I called. Paper working me to death. I was residing in XXXX XXXX XXXX, XXXX Fl. on a blow up bed and noting else in the house. My wife was up XXXX because she was sick and tired of all the false hope. I was woking at XXXX XXXX XXXX XXXX Fl. XXXX XXXX XXXX XXXX declined the modification after 10 month saying that I was not residing in the property. I have the pay stubs for proof. I am copying the lies stated by Bayview in their response to my complaint. Attached is a copy if the nonapproval notice issued by XXXX XXXX XXXX on XXXX XXXX, XXXX in response to XXXX XXXX request for assistance under the XXXX Department of Justice and State Attorneys General XXXX Program ( " XXXX '' ). The request was not approved because he did not complete and submit all the documents requested. XXXX XXXX, XXXX Bayview issued a nonapproval for this program because it was determined the subject property was not owner occupied. Based upon the ineligibility of the subject property under the XXXX program Bayview reviewed the modification assistance request under the Making Home Affordable Modification Program ( " XXXX '' ) and the Bayview Loan Servicing alternative modification programs. To address item XXXX above : The exterior Broker 's Price Opinion completed on XXXX XXXX, XXXX was completed by an independent licensed vendor. Bayview has no control over the valuation provided for the vendor adheres to the Uniform Standards of Professional Appraisal Practices for the state of Pennsylvania. The vendor acts as an unbias
03/30/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 91773
 Web
XXXX XXXXAwhile ago, I came into temporary financial hardship for the XXXX time in my life, due to a divorce, increased monthly mortgage payments being reset and living expenses. The result was being temporarily unable to pay the property taxes for XXXX and part of XXXX. The mortgage company, Bayview, paid those expenses and it is appreciated. Prior to that, the monthly mortgage amount of {$200.00} from the inception of the loan in XXXX including house insurance and property taxes were paid without a missed payment. In XXXX of XXXX, Bayview increased the monthly mortgage from {$200.00} to {$690.00}, an increase of 337 % presumably for the property taxes already paid and an amount to be placed in the escrow account. I was trying to come up with the amount due of {$5600.00} per the XXXX XXXX, XXXX statement sent out by Bayview. Sadly, that did not occur. An RMA loan was applied for on XXXX XXXX, XXXX, as time was running out. Foreclosure proceedings were due to be initiated on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Bayview sent another letter, now stating that the total amount due was {$7500.00}, on XXXX XXXX, XXXX. A difference of {$1900.00} in seven days! I have been working diligently with Bayview in resolving the situation. I have requested that the total amount due, upon verification, be added to the monthly principal. This would be the most expedient method for both parties in resolution. I am quite able to make the original monthly mortgage payment of {$200.00} that continues to be made monthly, in addition to the homeowner 's insurance and HOA dues that are current. I have a very close friend of over 35 years, who is temporarily forwarding $ 2,000.00/month in order to meet my affordable financial obligations. This is as secure as a bank loan in the monthly income being received. Additionally, stated to Bayview, that a home in California will be going on the market inXX/XX/XXXX. Conditions have improved greatly in the California real estate market. Upon the sale of this home, I stated to Bayview that the verified amount due, in order to bring the account current, would be paid in full. If Bayview adds the amount due to the mortgage principal, the amount due would still be paid in full, contingent on the California home selling. However, it would have to be a set amount frozen at a specific date. In an email from Bayview dated XXXX XXXX, XXXX, it states that the additional documentation sent in has been reviewed by the underwriting department. The underwriter " conditional '' the file and is requesting that borrower provide income docs ( PERSONAL LOAN FRIEND ) reflecting on the RMA. On the same day, I responded if could advise what type of acceptable documents and verified income were looking for, then would begin to amass that information. No advisement from Bayview on the request. On XXXX XXXX, XXXX, Bayview then asks if this person is living with me. My response on the same day was that the answer is no. Today, on XXXX XXXX, XXXX, Bayview now states can not use the income stated as " Loan from Friend '' as valid/verifiable income for purposes of a loan modification. Again, no answer from Bayview, regarding my request to advise what documentation would be needed, to satisfy their XXXX XXXX, XXXX request for such. It strongly appears from the communication, that underwriting had no problem with that source of income, in that were requesting verification and documentation of such. No mention was ever made, until today, XXXX XXXX, XXXX, that this income was non-usable. Understandably, I now begin to question what is going on, given the fact that not until after my request for the type of documentation needed for the income, does this show up. I am more than willing to work with Bayview on reasonable, affordable solutions to this situation.
06/25/2016 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • MD
  • 20743
 Web
This Notice is a debt dispute, a demand for verification/validation and a request for information regarding my property located XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX sent a 'Notice '' dated XXXX XXXX, XXXX stating they transferred the servicing to Bayview Loan Servicing LLC . The letter stated that XXXX XXXX XXXX made a claim for payment on the FHA mortgage insurance due to a default of the loan and in connection with that claim, they assigned to FHA and FHA sold the mortgage to Bayview XXXX. ( see attached document titled " Important Message About Your Home '' ) Per a letter from your company dated XXXX XXXX, XXXX titled " Change of Creditor '' document titled " Change of Creditor Notice '' it is claiming [ The identity ( name ), address, and telephone number of the new creditor is : Trustee, in trust for the benefit of the Holders of Bayview Opportunity Master Fund IIIa Remic Trust XXXX Beneficial Interest Certificates, Series XXXX Attn : Corporate Trust Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ] According to HUD, Bayview XXXX was the highest bidder for pools of mortgage defaulted loans/nonperforming debts for pennies on the dollar. What is confusing for me is that Bayview XXXX XXXX bought the debt but your letter is claiming otherwise. Please Explain who is who for clarity.On XXXX XXXX, XXXX I received a dunning notice whereas it was title " Mortgage Statement '' demanding {$100000.00}, but the dunning letter does not mention anywhere that " This is an attempt to collect a debt '' therefore, I am assuming you are sending the notice as a " Creditor '' and not a " Debt Collector ''. Please explain if this debt was bought in default. Please explain if I XXXX XXXX applied for credit with your company or any of your affiliates at any time, and provide that information in your response letter. ( Please see attachment titled " Mortgage Statement '' ) 1. Can you please identify if you are the " Creditor '' or a " Debt Collector ''? 2. Did Bayview XXXX XXXX buy this debt while in Default from FHA? 3. Will Bayview XXXX XXXX or Bayview Loan Servicing LLC be considered the '' Secured Party ''? If not who is? ( See attachment titled " The following is important information about your mortgage loan [ line # XXXX ] ) 4. What date was the alleged defaulted mortgage loan actually bought by Bayview XXXX XXXX from FHA? 5. Was the debt bought at a certain rate or for the full face value on the " Deed of Trust ''? For example, .XXXX cent on the dollar or {$230000.00} ... ... 6. Were there any terms or agreements from FHA when they sold the debt that they referred to debt as " As Is '' with no guaranties or warranties? Was there a 6 month criteria that had to be met in order for the transaction to continue to qualify regarding the FHAinsurance claim pay out? 7. Was the debt sold to Bayview XXXX XXXX in a defaulted mortgage loan pool? Please explain. As noted Bayview XXXX XXXX was the highest bidder for pools of mortgage debt sold by FHA was the above " Property '' included in a sale and was the original " Note '' indorsed when transferred? According to HUD they granted limited power of attorney to the purchaser to execute endorsements and assignments? Please provide a copy of both the indorsed Note and Assignment to include all applicable signatures. Per the Debt Validation letter dated XXXX XXXX, XXXX to the Office of Commissioner of Financial Regulation you verified the debt with XXXX unendorsed Note and XXXX endorsed note neither of them had an endorsement bearing any stamps or signatures from the transaction that took place between Bayview XXXX XXXX and HUD the letter also stated the " Bayview Loan Servicing acquired the servicing of the loan on XXXX XXXX with a due date of XXXX XXXX, XXXX.
07/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 553XX
 Web
I am in the middle of a repayment Flex plan with my mortgage servicer XXXX XXXX XXXX XXXX. The repayment plan is uploaded with this complaint. I have made the first two payments as required on the plan and would like to make the third ; however, I can not because my new loan servicer as of XX/XX/XXXX, Bayview Loan Servicing, has placed my loan with them in Active Foreclosure and they will not honor my current repayment plan. On XX/XX/XXXX, my home mortgage servicer, XXXX XXXX XXXX XXXX transferred my home loan to Bayview Loan Servicing. On XX/XX/XXXX Bayview Loan Servicing sent me a letter claiming I owe them {$350000.00} immediately, and if the full payment is not received in 30 days, they will obtain a judgment for the full amount of the mortgage against me ( this letter is uploaded w/ the complaint ). The amount due immediately is over {$10000.00} more than my most recent XXXX XXXX monthly bill indicates as principal balance due : {$340000.00}. There is no explanation from Bayview as to why another $ XXXX has been tagged onto my loan. I received the XX/XX/XXXX letter from Bayview on XX/XX/XXXX, at which time I promptly called Bayview to inquire why my loan is in collections when I was in a repayment plan with XXXX XXXX that was supposed to transfer over to Bayview. I first spoke with Bayview XXXX XXXX on XX/XX/XXXX. XXXX didn't even have a current phone number or email for me, so XXXX XXXX provided him with old data. XXXX stated that the paperwork from XXXX XXXX is a mess so it's taking some time to sort things out. If that was the case, then Bayview should not have jumped to placing my loan in Active Foreclosure, which I discovered nextt on XXXX XXXX, while speaking with Bayview loans asset XXXX, XXXX XXXX. XXXX informed me my loan had been placed in Active Foreclosure with Bayview on XX/XX/XXXX, unbeknownst to me. I asked XXXX if she could contact XXXX XXXX to obtain the missing repayment plan for my file so things could get corrected and I wouldn't be in danger of foreclosure. XXXX said she can not do that. That I would need to do that and then send Bayview a copy of the agreement I had with XXXX XXXX to Bayview 's email : XXXX. My conversation w/ XXXX was at XXXX XXXX. I called again to speak with someone who would be more helpful than XXXX, and ended up with XXXX on XX/XX/XXXX XXXX XXXX. XXXX advised me to file for a new workout plan or hardship with my new servicer since Bayview would not be able to honor my existing repayment plan with XXXX XXXX. XXXX added that is all I can do at this point if I wish to try to avoid foreclosure. On Saturday, XX/XX/XXXX, I received a letter from Bayview Loan Servicing 's attorney 's office stating my home is being foreclosed ( this letter is uploaded as well ). I immediately called on XX/XX/XXXX Bayview and spoke with XXXX at XXXX XXXX. XXXX consulted w/ her supervisor, and again, said I would need to re-file for a workout plan with BAyview because Bayview would not contact XXXX XXXX to procure the existing repayment agreement. I have emailed my written repayment agreement with XXXX XXXX directly to Bayview three times now. They still claim as of today that they have not received it. I spoke with XXXX on XX/XX/XXXX. I sent over the repayment agreement again, at XXXX XXXX. Because Bayview and XXXX XXXX refuse to communicate with each other regarding the transfer of my loan, my loan has gone from an active repayment plan that I was current on and had paid {$8100.00} toward, to a loan in active foreclosure that I can not make a single payment on. And, now the letter from Bayview 's attorney 's office has increased my mortgage amount yet again, probably to include their fees which should not even be happening in the first place, to {$350000.00}.
01/10/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NV
  • 89156
 Web Servicemember
Bayview Loan Servicing failed to address all our questions and provide all documentation as we requested in the last complaint. Per CFPB guidelines, we are able to file another complaint. First, Bayview stated that the loan originated was with XXXX XXXX ( which is correct ) but also stated that during Bayview 's servicing of the loan the investor was legacy. Bayview failed to provide documentation that XXXX XXXX transferred or sold the Note and Deed of Trust over to XXXX. Also, without documentation, how does Bayview know if XXXX was the investor or not? Without documentation, it is safe to assume that XXXX was still the investor when the Substitution of Trustee and Full Reconveyance was notarized on XXXX XXXX XXXX and recorded with the XXXX XXXX XXXX XXXX Office on XXXX XXXX XXXX, instrument # XXXX. Please answer all our questions and provide documentation as requested! Second, we requested to know what dates, amounts paid and to whom did Bayview send out payments too. These documents will prove if fraud also occurred with this mortgage loan. As you well know, fraud is against the law and it is the responsibility of all Federal and State agencies to prosecute these people or companies that violate our laws! Now, Bayview stated in the response letter dated XXXX XXXX XXXX to the CFPB, in the inquiry XXXX XXXX states the following ; ( item XXXX ) who did Bayview pay the monthly mortgage payments to, for how much and what were the dates when payments were made. Please provide documentation. ( XXXX ) Now, please review my initial complaint with the CFPB. There was no mention of " XXXX '' in our complaint. Also, Bayview provided dates and payments made to Bayview ( copy of the loan history provided ) but failed to provide dates, payment amounts to the investor and who the investor ( s ) were with all their contact information. If Bayview sent our payments to the investor, Bayview would still have the records! So, why did Bayview fail to answer all our questions? Is Bayview aware that XXXX XXXX and all affiliates went chapter XXXX bankruptcy in XXXX, in XXXX Delaware? Is Bayview aware that XXXX XXXX closed the business and was ordered to sell all their assets? Please answer all our questions and provide documentation as we requested! Third, Bayview stated in item XXXX, we are unable to provide an assignment of mortgage as the loan was released directly from the original lender. Now, this statement means that Legacy did not release this loan ( XXXX ) but rather the original lender, XXXX XXXX. Also, with XXXX as the nominee for XXXX XXXX, it is safe to assume that the XXXX that was issued was not signed by XXXX XXXX, our original lender. The XXXX was signed on XXXX XXXX XXXX by XXXX XXXX, which claims to be an Assistant Secretary of XXXX. Per a court order, from the Department of Treasury Comptroller of the Currency ( O.C.C case # XXXX ), this Cease and Desist order clearly reflects that XXXX is an institution related to tracking and registering residential mortgage ownership and servicing, acting as mortgagee or record in the capacity of nominee for lenders. So, why did XXXX have Bayview Loan Servicing, have an employee, XXXX XXXX sign the XXXX when Bayview and XXXX XXXX is fully aware that he does not work for XXXX nor collects a paycheck from XXXX XXXX XXXX mis-represented himself as an assistant secretary of XXXX knowingly that he works for Bayview Loan Servicing! So, did n't XXXX track the assignments as they were supposed to do? Did XXXX collect the payments from Bayview and keep them or did XXXX in fact send all the funds too XXXX XXXX after XXXX went bankrupt? XXXX is only the nominee for the lender to do what the lender wants. XXXX is neither the lender nor the investor which means that they do
05/20/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 206XX
 Web
XXXX XXXX, XXXX XXXX! From : XXXX XXXX, cell # XXXX Address : XXXX XXXX XXXX XXXX, Md. XXXX Subject : HAMP Incorrect Denials/Unlawful Foreclosure Practices/Dual-Tracking/Robo-Signing/Fraud by Loan Servicer and Lawyer Foreclosure Mills..ect.. XXXX XXXX XXXX, I am writing to you in the hope of finding much needed help with the situation I find myself in at this time. I did n't realize as the average American Homeowner that I could ever find myself in a situation of facing an unjust foreclosure. I thought that this situation was happening to me only, but since I started to look for much needed assistance, I have come to realize thousands of American Homeowners share my same story to varying degrees. I will try to get straight to the point but there is just so much wrong with what the Loan Corporations and the many other entities are doing to us. Please bear with me as I try to stay on track. My situation started with a refinance of my mortgage that closed on XXXX XXXX, XXXX at XXXX XXXX in XXXX XXXX Md. The broker was XXXX ( I may not have names exact ) and my home is located in XXXX XXXX Md. I believe my refinance was XXXX of the many predatory loans being pushed unknowingly on homeowners at that time. I was approached on several occasions by XXXX XXXX, an agent of XXXX of XXXX XXXX Md. XXXX XXXX told me that it was a great time to refinance existing mortgages and to put oneself in a better financial state if acted on sooner than later. This went on for a few months until I finally agreed to see and listen to what she and XXXX had to offer. She provided several documents leading up to a closing such as Good Faith Statements, XXXX XXXX, types of loans, all with differing rates and amounts, too much to keep track of. Needless to say conversations day to day with XXXX XXXX differed from the previous day, it was very confusing, but she swore she knew what I needed and could provide the best refinance in my favor. Myself, not especially experienced in the field of financial mortgages gave XXXX XXXX along with XXXX faith in doing what was in my best interest and according to them, they were the experts in this field and could be trusted. Obviously I was naive to the illegal practices going on and in reality I would never have expected these types of activities from the many large corporations and that they were actually getting away with what they were doing to the many citizens of our great country. It was just way too big, something really hard for me and many others to wrap our heads around! At the time leading up to my refinance I had never been late on my mortgage responsibilities. Bottom line, purchasing and owning your own home was the XXXX dream. At closing all information provided to me prior to, was not what was presented to me at the table. We should have walked in hindsight but we were encouraged and pressured by XXXX XXXX and the XXXX closing agent that any discrepancies were to be easily fixed. There were also many undisclosed differences that I would not have even picked up on or expected under the situation. XXXX XXXX of XXXX Now looking back during this nightmare, I am now becoming aware of the deceit and illegal activities that are today still running rampant throughout the different states. All stories/cases too alike, to spread out, to be considered just a coincidence. What is going on in our country to too many hardworking American Homeowners is no less than theft of our homes and the lining of pockets in big Corporate America. Reading the ongoing court litigations and Judges Opinions, I have come to conclude that some are starting to get it while others wrongly think it is the homeowner trying to get over, to get a free home, really? My XXXX XXXX is high now, ( CONTINUED )
03/29/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 902XX
 Web
To Whom It May Concern, for years I have been trying to modify my loan. After much frustration I consulted with an attorney to inquire whether the people I am dealing with even have authority to negotiate my loan. One of the main problems has been that I have not been able to obtain the correct information as to who actually has the rights on my loan. The servicing of my loan has been switched around a couple of times which has caused much me a lot of frustration. I am at the point where I do not believe the information that is being provided to me by my servicers. My present servicer is Bayview Loan Servicing. I believe they are attempting to collect on a debt that they do not have the authority to collect on and they have falsely represented the character, amount, and legal status of the debt. I am filing this complaint against Bayview Loan Servicing because I believe their continuous efforts to collect a debt that I dispute is against the Fair Debt Collection Practices Act, herein referred to as FDCPA. Not only are they continually falsely representing the debt, the are continually threatening to take action against my property that is not legal for them to take. I presently have a foreclosure action scheduled on XX/XX/XXXX. Bayview Loan Servicing is a debt collector attempting to collect on a debt that is statutorily barred. Pursuant to Commercial Code section 3118, the statute of limitations for a note payable at a definite time shall commence within six years after the due date or due dates stated in the note, or if a due date is accelerated, within six years after the accelerated due date. The payments were accelerated in XX/XX/XXXX Six years from XX/XX/XXXX is XX/XX/XXXX. The time for any debt collector to collect on this debt has passed. Under the FDCPA a debt collect may not use unfair or unconscionable means to collect or attempt to collect a debt. More specifically they may not take or threaten to possess or disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property may not be taken, repossessed, or disabled. Attached with the Complaint please find Notice of Trustee 's Sale from XXXX that evidences the date of acceleration. I have consulted with an attorney and I now realize and understand that only a creditor can foreclose. As defined by the FDCPA, Bayview Loan Servicing is a debt collector and not a creditor. The entity they claim is the beneficiary of the debt obligation is a debt collector as well as defined by the FDCPA. The entity recorded an interest on my property after the debt was already in default. The real creditor in my matter was the originating lender and they never had the authority to transact business in the State of California. I am fully aware that a debt collector must prove that I owe the debt and Bayview Loan Servicing has failed to do that. They can not supply me with copies of documents that are not admissible evidence and believe I am to take the information they give me without adequate support. Bayview Loan Servicer has failed to demonstrate the money trail to this alleged beneficiary. Furthermore, as a debt collector, Bayview Loan Servicing has failed to prove their relationship to the lender. My Deed of Trust says that it is the lender who has the power to do whatever it is he has the power to do within the four corners of the contract. There is no documentation that evidences that Bayview Loan Servicing is now acting on behalf of the lender. I am filing this complain with the CFPB because Bayview Loan Servicing is blatantly disregarding the law. If I do nothing they will wrongfully and fraudulently take my property and continue to disregard the law. Sincerely, XXXX
09/22/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30135
 Web
To Whom It May Concern : On around XXXX XXXX, XXXX, I filed a complaint with the Consumer Financial Protection Bureau for a number of reasons regarding how Bayview Loan Servicing was handling my file ( See Complaint # XXXX ). On XXXX XXXX, XXXX, Bayview responded stating that they suspended the foreclosure process on XXXX XXXX, XXXX and had requested a number of documents for my modification. On around XXXX XXXX, XXXX, I had provided Bayview with all of the requested documents via secure, encrypted e-mail. The account representative, XXXX XXXX confirmed receipt of the documents. It was stated that my modification would take up to 90 days to complete. From XXXX XXXX, XXXX to XXXX XXXX, XXXX, i had n't heard anything whatsoever from Bayview via mail or e-mail concerning the status of my modification or any missing documents that they may have been in need of. In fear of history repeating itself, I sent XXXX XXXX a follow-up e-mail requesting an update of my modification ( see attached ). I have a tracker on my e-mail that sends me a notification if/when the recipient receives my e-mail. XXXX ( the representative that I was assigned to at Bayview ) received my e-mail that day but chose not to respond. From XXXX XXXX, XXXX to XXXX XXXX, XXXX, I DID NOT receive a single request for more information from Bayview via mail or e-mail, nor did I receive a modification approval or denial. The only notification that I received from Bayview that even gave the implication that my loan modification was denied was a foreclosure notification that arrived via certified mail on XXXX XXXX, XXXX. Pursuant to 12 U.S. Code 5219a, Bayfiew was supposed to provide me with a denial notification along with other required data. Bayview failed to do so. Upon receipt of that foreclosure notification, I sent XXXX XXXX, XXXX XXXX and the Hamp Esculations e-mail that was provided in BOTH complaints that have been filed with the Consumer Financial Protection Bureau. In that e-mail, I also placed a tracker to ensure that all parties received it. It was reported that both XXXX XXXX received my e-mail shortly after I sent it but neither of them responded. I did n't expect XXXX to respond because when she went on leave, my file was assigned to XXXX XXXX. However, because XXXX was still my case manager, I expected a response from here. Unfortunately, I did n't so I then called Bayview and attempted to speak with XXXX XXXX. When XXXX got on the phone, I advised her that we were on a recorded line and provided her with my name and phone number. To my surprise, although Bayview states on virtually every call that they are monitored and/or recorded, XXXX REFUSED to proceed with the call to discuss what had taken place with the file. She told me that I had to call her from a different phone. I asked XXXX why she had n't responded to my e-mail and she emphatically denied ever receiving an e-mail from me on XXXX XXXX, XXXX requesting status of my modification. Because of my history with Bayview, I did n't feel comfortable with having that type of conversation without being on a recorded line so we disconnected the call and I followed up with an e-mail. Once again, I placed a tracker on that e-mail to confirm that XXXX XXXX of Bayview Loan Servicing received my e-mail. This time, I received a " Not Read '' notification from Bayview which generally means that XXXX deleted the e-mail without even reviewing it so that she could properly address my concerns. I 've waited 72 hours for XXXX XXXX to send me an e-mail with information on what happened to my loan modification and she has absolutely refused to respond to me. This behavior is unacceptable and is discriminatory. Please help me get this resolved!!
07/14/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CT
  • 06514
 Web
There are several late payments from Bayview Loan Serving being reported to all XXXX credit bureaus. Originally, I was cosigner on a mortgage note that I subsequently included in a now discharged Bankruptcy. The co-borrower and I were given instructions for her to retain property post Bankruptcy. The Co-borrower was instructed to complete an acquisition inquiry where they assess her ability to pay. She did successfully complete a loan modification, not including my income or information with Bay view, and without my completing any reaffirmation paperwork. On contrary, at the time I signed all required papers to relinquish any property claims. However, Bayview had failed to stop reporting to the credit bureaus for the note. However, when I call they say I am not on the note, but reported significant lates XX/XX/XXXX and XX/XX/XXXX. The mortgage has since been sold off to XXXX XXXX XXXX, In which case XXXX XXXX XXXX does not report to my credit. I gave been trying to get Bayview to remove this from my credit intermittently since XX/XX/XXXX. However, over the last 6-months I have been aggressive in trying to get this resolved and consistently hit a brick wall. First, I was directed to XXXX XXXX XXXX , XXXX XXXX XXXX direct me to Bayview, I filed disputes directly with credit Bureaus. The credit Bureaus stated it is for Bayview to correct. XX/XX/XXXX I finally was submitted to the escalation center at Bayview Florida office to assist with the issue. They claim they were originally not clear on what my claim was, and asked for supporting documentation. They acknowledged that they were able to see and view the bankruptcy on the computer in conjunction with the information I sent. XXXX I was told, that the rep would review and get back to me in 48-hours. However, I did n't get any answer. After a few days of no response and leaving unreturned voicemails. I recorded a voicemail, and disclosed as much to the representative. Who then returned my call furious and refused to speak with me verbally. She said I would receive something in the mail in 30-days. I was going to file a complaint then but was in the midst of trying to get a mortgage and had feared that it would cause further delay. SO, in thinking the information that was sent was sufficient I waited. The-30-days expired around XX/XX/XXXX with no update or response. I called back in, and they now claim they do not see who I was dealing with, and can not disclose any information cause I am not on the loan. I was then asked to send in all the documentation I previously sent. I did send the requested documentation, but I am also, seeking additional help as I am trying again to purchase another property. This represent a major issue as my credit is fragile with the Bankruptcy. Therefore, it has a negative impact to have such serious delinquencies on a mortgage. I have lost the XXXX property that I was trying to obtain, along with my deposit based on the time I strung sellers along trying to get this issued fixed. I am submitting my Bankruptcy discharge along with list of creditors, I copy of the credit summary from bank that shows when Bayview reported delinquencies, a small potion of my phone bill that shows calls to XXXX, FL where I followed up with the Bayview. There others from landlines but those specifically are the ones where they committed to an update in 30-days. There is also, an email where I previously sought customer service guidance XX/XX/XXXX in was sent a survey after call. I can also, show if necessary, that I have not participated on any level on this mortgage since my bankruptcy. I know that the other borrower as had her mortgage reduced based on my income obligations being removed by the bankruptcy court.
04/03/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • AZ
  • 85024
 Web
This is ONCE AGAIN regarding BAYVIEW LOAN SERVICING and their lack of customer service and constant wrongdoing.. As of the last reports on XXXX and XXXX, they have that the issue will be resolved by XX/XX/XXXX and XX/XX/XXXX ... IT IS NOT!!!! This is so rediculous and such a fraudulent company that I am apalled that they are still allowed to be in business.. From XXXX being my point of contact, it has gone to a gentleman by the name of XXXX that has called me twice. The first day was when I was returning from my doctor 's office ( and this appointment is regarding the stress and my XXXX to the point of hospitilization - which I have refused because I do n't want to be in the hospital on XX/XX/XXXX even though Bayview tells me the foreclosure is on hold ) I D O N T B E L I E V E A W O R D O U T O F T H E I R M O U T H S!!!!!!! XXXX tells me he is with the Advocacy Team Department and he told me that day that! ) I would be getting an answer shortly on my loan modification ... 2 ) that the foreclosure was on hold, and 3 ) that I would be getting another letter very shortly about the NOE letter and credits that I have been requesting since XX/XX/XXXX ... Two days later I get the approved loan modification that is totally rediculous to me being that my payments were XXXX per month when I purchased my home in XX/XX/XXXX with 5.75 percent and conventional loan. I never did anything wrong and Bayview has admitted that they should have never had me in foreclosure ; However since finding all of this out about them saying I owed them XXXX or they were taking my home I, of course was now starting to receive documents and paperwork that they never sent to me claiming because I was in bankruptcy - and the plethora of charges, late charges, misapplied charges, attorney fee charges, miscellaneous charges, etc I find out only after XX/XX/XXXX - I MADE MY PAYMENTS WITH NO NOTICE OF BEING IN TROUBLE WITH MY LOAN AND HERE I SIT ... IT 'S DOWNRIGHT FRAUD!!!! So, here is the rediculous loan modification from Bayview ( I sent you the first three pages already ) they now want my payment at XXXX a month, same 5.75 percentage and a new 30 year loan ... .WHAT?!?!? How is this modified, if I even deserved a modification ... .This has made me sicker than I am on XXXX already for ... I have filed with the American XXXX Act. But I am writing to you tell you that XXXX called me again and said that I need to call XXXX, the Asset Manager - she will be in charge of my file. I tried calling XXXX three or four times that week with no answer, so I called XXXX back and he said they were all ( every manager ) in a meeting. The next day a XXXX calls me and says that XXXX and the rest of the managers are out of town and wanted to know a little of what is going on ... .So I tell him. I then receive a call on my voicemail from XXXX, but I was sick and asleep the day I received her call. I called the next day and we spoke. She said what is going on. I now have your file and we will get this straightened out so you can get back on track ... I start telling her about the approved loan modification and I havent signed it because Bayview has not credited my account ANYTHING for the wrongdoing and it says in the papers that I sign if when I sign them I can not go back from then ... She said what credits? I said you do have my file, correct? : She said yes, but I still need to catch up on everything. So, very irritated I said then why do n't you read the NOE letter from XX/XX/XXXX and call me back.. We made an appointment for the following Tuesday XX/XX/XXXX at XXXX Arizona time . XXXX told me she has it marked on her calendar. ( it was a Friday, XX/XX/XXXX when we spoke about setting the appointment ). Continued
11/07/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
In the course of Bayview Loan Servicing 's, servicing activities, Bayview Loan Servicing has engaged in the following illegal acts and practices : XXXX ) Preparing, executing, notarizing, and presenting false and misleading documents, filing false and misleading documents with courts and government agencies, or otherwise using false or misleading documents as part of the foreclosure process ( including, but not limited to, affidavits, declarations, certifications, substitutions of trustees, and assignments ) ; and XXXX ) Preparing, executing, notarizing, and filing affidavits in foreclosure proceedings, whose affiants lacked personal knowledge of the assertions in the affidavits and did not review any information or documentation to verify the assertions in such affidavits. This practice of repeated false attestation of information in affidavits is popularly known as " robosigning. '' On XXXX XXXX, XXXX, we requested our mortgage note from Bayview Loan Servicing. Approximately three weeks Bayveiw Loan Servicing LLC posted our note to our log in page on the corporation website. ( SEE EXHIBIT A ) On XXXX XXXX, I received the " CORPORATION ASSIGNMENT OF DEED OF TRUST '' stating Certificateholders of XXXX, XXXX XXXX Mortgage Pass Through Trust XXXX XXXX. For the past few years I have educated myself regarding SECURITIZATION. ( SEE EXHIBIT B ) Mortgage-backed trusts contain very specific provisions regarding conveyances of mortgages, notes and Assignments and most often even include the form that each document custodian must sign attesting to the delivery and acceptance of such documents. Trust must comply with these rules regarding acquiring the mortgages therein by the closing date of the Trust or risk losing their tax-exempt status under the IRS REMiC Rules. Mortgage-backed trusts are not allowed under their own rules to acquire non-performing loans after the closing date of the trust and add such loans to the tust. These rules are in place to protect the investors in the trust. The failure of certain mortgage-backed Securitized trusts to produce Assignments has been noted by several Courts, in fact in Case C & gt ; A. No. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS SUCCESSOR-IN-INTEREST TO XXXX XXXX XXXX, XXXX OF XXXX MORTGAGE SECURITIES XXXX ; XXXX XXXX HOME LOANS SERVICING LP ; BAYVIEW LOAN SERVICING , LLC ; in EXHIBIT A ( SEE COVER COURT DOCUMENT AND EXHIBIT A LABELED " LIST OF TRUSTS THAT USED FRAUDULENT MORTGAGE DOCUMENTS '' ( SEE EXHIBIT C ) Therefore, it is clear that Bayview Loan Servicing in not providing me the securization document knew the mortgage note is fraudulent. It is also clear that XXXX XXXX XXXX who actually created the fraudulent document and is also listed as a Defendant in this case knew the document is fake. It is also clear that the Securities and Exhange Commission, XXXX DC, knows my mortgage note is fraudulent. The closing date for this trust was XXXX XXXX, XXXX and this note was put into the trust five years after the closing date. ( SEE EXHIBIT D ) My original lender was XXXX XXXX Mortgage, a subsidiary of the bankrupt XXXX XXXX Mortgage companies, which are still in Bankruptcy. There was no evidence of any permission from the Bankruptcy Court to allow the mortgage to be divested from the Bankruptcy estate ; no evidence that MERS could assign the loan for the bankrupt lender 3 years after the bankruptcy was filed ; no evidence that MERS could assign, in XXXX, the loan to a trust which closed in XXXX ; and no evidence of any compliance with the XXXX by the trust. ( SEE EXHIBIT XXXX ) Bayview has discriminated against us due to our XXXX and the fake note. Bayview has harassed us due to the fake note.
09/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10303
 Web
In XXXX, I got behind on my mortgage after I had an unforeseen expense : my uncle was murdered, and I had to cover funeral expenses. I was sued in foreclosure. With assistance from XXXX XXXX XXXX XXXX ( XXXX ), I submitted a loan modification application to counsel for the foreclosure plaintiff, Bayview, on XX/XX/XXXX. On XX/XX/XXXX, an employee of counsel for Bayview sent XXXX an email confirming receipt of the application but stating that I am not eligible for a modification due to file [ sic ] having 3 or more prior modifications on the loan. The same day, XXXX requested documentation showing the 3 or more prior modifications. After several days, counsel for Bayview provided documentation of five prior modifications. An employee of Bayviews law firm noted that after my loan was modified three times, an additional modification was approved after investor exception was granted. The investor, according to the law firm employee, is XXXX XXXX ; the employee provided a link to the online XXXX XXXX XXXX XXXX XXXX XXXX. The link did not identify any particular part of Users Guide relating to the number of modifications XXXX XXXX permits ; nonetheless, a search of the Users Guide reveals that XXXX XXXX provides that servicers may ask XXXX XXXX for permission to modify a loan that has been modified three or more times, and explains how to do this. In a mandatory court-mediated settlement conference on XX/XX/XXXX, XXXX asked that Bayview request from XXXX XXXX an exception to the three-modification cap ( as Bayviews own documents show had been done in the past, with XXXX XXXX acceding to its request ). The court referee presiding over the conference directed Bayviews counsel to provide documentation, at the subsequent conference, of its request to XXXX XXXX, and XXXX XXXX response. Despite the courts clear directive, Bayviews counsel did not provide any documentation of its request to XXXX XXXX for an exception, or of XXXX XXXX response. In a letter emailed to XXXX on XX/XX/XXXX, Bayviews counsel stated conclusorily that an exception request was submitted to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, a decision from the investor was received advising the waiver request was denied. ( See appended copy of XX/XX/XXXX letter. ) XXXX responded by pointing out that the response did not satisfy the courts directive, but Bayviews counsel did not reply or provide any further detail. However, on or about XX/XX/XXXX, to my surprise and relief, Bayview offered me a trial modification. ( See appended copy of XX/XX/XXXX trial offer. ) I made a timely trial payment to Bayview in acceptance of the offer, as expressly contemplated by the terms of the offer. I was elated to have been offered the opportunity to save the home that I live in with my fianc and children. The first trial payment I sent to Bayview was debited from my bank account. Then, although Bayview had accepted my payment, on or about XX/XX/XXXX, Bayview sent me a refund check and informed me in writing that the trial offer had been made in error. ( See appended copy of XX/XX/XXXX letter and copy of refund check. ) Between the time that I accepted the trial modification offerwhich, by its terms, required only that I make three timely trial payments in order to successfully complete the trialand receiving Bayviews purported withdrawal of the accepted offer, I reasonably relied upon the offer by spending money on repairs to my home. If I had not received the offer and accepted its terms, which are affordable to me, I would not have made the repairs : until I received the offer, I feared that I would not be able to keep my home in light of the pending foreclosure and the prior modification denial.
12/30/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21042
 Web
Kindly help us investigate these two loans with Community Loan Servicing, LLC ( formerly Bayview Loan Servicing ). Loan # XXXX Property Address : XXXX XXXX XXXX, XXXX, MD XXXX Our ordeal started when the tenant on this property finally moved out in XX/XX/XXXX leaving us with unpaid rents, water bill and repairs. We applied for Deed in Lieu because we did not have the money to repair the property and we submitted all the required documents. After many months of request for additional documents, we got the first letter on XX/XX/XXXX telling us that they now have complete document ( Exhibit A ). About three months later and after many more documents, we got another letter dated XX/XX/XXXX from them informing us that they have all necessary documents, and nothing is needed from us. ( Exhibit B ). We tried to sell this property and even took prospective buyer to the property only to find out that the lock has been changed by the servicer. After many months they told us that the property is a leasehold and need to be fee simple. We then employ the service of an attorney for this. The attorney came back to tell us that the property is no longer in our name. The ground rent was redeemed way back in XX/XX/XXXX ( Exhibit C ) and the property is now fee simple while the servicer keeps asking for more and more documents. Our thinking is that we are the rightful owner until our attorney confirmed otherwise. Can you imagine the agony of a borrower who taught he/she is the rightful owner of a property, but the servicer has changed title ownership and still asking for one document or another from us? At some point, they told us it is a matter of weeks, and it will be over only for them to pass the file to another point of contact who then started the process again. We regret to let you know that this file is back again in the original point of contact ( Exhibit D ). It is simply in circle. We received a modification letter, but we never apply for this at any time. We only apply for deed in lieu ( DIL ) right from the beginning. We also received from them an estimate of value for our property at some point but nothing follows this. They even send us a letter that we requested that the escrow account from our loan for property tax and property insurance be removed. This is not true. We did not initiate such letter. We just got another letter dated XX/XX/XXXX informing us that the file is back with one of the original point of contact ( Exhibit D ). This is when we decide to come to you for help. Loan # XXXX, Property Address : XXXX XXXX XXXX XXXX MD XXXX As mentioned earlier, we have two loans with this servicer been handled by the same point of contact. The situation as exactly the same as stated above. The servicer knew that they have changed ownership of the property and the manner which title is held to fee simple since XX/XX/XXXX but they still send us a letter more than 10 months later ( XX/XX/XXXX ) claiming that their vendor is still working on it and hope that it will be resolved withing 30 days after which our application for DIL will be denied if not resolved by their deadline ( Exhibit E ). The above are the two situations we found ourselves and we believe something is just not right here. We will appreciate it if your good office can investigate this as the servicer is accruing fee to be passed to us on property we no longer own or do not have the right to sell since XX/XX/XXXX. Yet, there is no outcome or acknowledgement of what is going on or what to expect. We do not see why this servicer should get away with this type of practices and make us bear unnecessary cost. Please help us. Thank you. XXXX XXXX XXXXXXXX XXXX.
12/06/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91773
 Web Older American, Servicemember
XX/XX/XXXX I refinanced my home to an interest only loan. In XX/XX/XXXX my payment adjusted to a fully amortized payment, which I didnt know it would do. On XX/XX/XXXX Bayview returned my payment and advised me that I was past due with my payments, and they were no longer going to accept my payments, I called Bayview to find out why, since I had been making my payments all long. they advised that I owed over {$12000.00} in past due payments. I know now, it was because my mortgage payment changed to a fully amortized payment. I called Bayview to try and resolve but they were not helpful, and by them not accepting my payment I was afraid of loosing my home. I hired, what I thought at the time, to be a reputable modification co. they said they could help me, they do this all the time. They started the modification process with Bayview, and assured me that all was going well and we should have the loan modification approved shortly. I paid them several thousands of dollars. Come to find out my loan modification had been denied, XX/XX/XXXX I found this out by calling Bayview when I got the foreclosure notice. I called Bayview and the loan modification co and the numbers and address were no longer valid for the modification co. Not knowing what to do I went to a counseling session for seniors, and then decided to do a Reverse Mortgage. I completed my HUD counseling on XX/XX/XXXX, and had to wait 7 days to complete the application for my Reverse mortgage. I called XXXX XXXX at Bayview, however he did not return my call, with the help of my niece we found out that XXXX XXXX was now assigned to my file. I called and spoke to XXXX and let her know I was getting a Reverse Mortgage and requested a postponement, she verbally denied the postponement. I Called XXXX back after a couple weeks to request the postponement again, because I now had completed the application, we had the appraisal and loan approval. XXXX advised me that I would need to go to my local court house and request the postponement from the judge. I spent the afternoon at the court house, to find out this was not the process for me in California .... the postponement needs to come from XXXX/Bayview. I then called XXXX back and left several messages and faxed her my reverse mortgage loan approval, and request for postponement. she, to this day has not called me back. I then reached out to Bayview 's escalation department and spoke to XXXX she helped as much as she could she provided me her fax # to send in the documents I had sent to XXXX, I faxed them to her. XXXX then transferred me to XXXX XXXX escalation manager, he reviewed the notes and advised he would send the postponement request on my behalf to the asset management team Manager, I emailed my Reverse mortgage loan approval to XXXX. He advised to call back in the morning to get an answer. I also called and spoke to the Trustee I faxed them my reverse loan approval and request to postpone the sale date, I also hand carried it into there office in XXXX. I Spoke to XXXX at the trustees office he said he will call Bayview and see what he could do. Next morning I called XXXX @ Bayview however I was not successful in speaking to him, nor to XXXX. I was transferred to a team lead in asset management named XXXX XXXX. He refused to review or discuss since as he stated ... '' its to late nothing I can do '' I am a senior citizen and US XXXX veteran trying to save my home. Today my home was sold as a piece of property, but for me it was my home, my memories my life. Please help me get my home back loan approval sent to : XXXX XXXX fax # XXXX, XXXX-Escalations XXXX emailed to XXXX XXXX Escalation Mgr. XXXX XXXX-Trustee fax # XXXX
05/03/2017 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33054
 Web
This complaint is against Bayview Loan Servicing for their poor customer and mismanagement of my loan file. I have 3 late payments recorded in the last year that were no fault of my own however Bayview refuses to correct them. In early XXXX , I received a letter stating that proof of my home owner insurance had not been received. The insurance is obtain by my XXXX and sent to them each year. I contacted the company and was told to re-fax it. After calling and faxing from almost 2 months my mortgage payments increased because they added additional insurance. I called and explained that I needed to know the correct amount and no one could help me and I was told once again that the policy had not been received. I did n't make thee payment on time because no one could tell me the amount and once it was correct the payment was made therefore I feel the mark should be remove from my credit file. The second occurrence happen due to Bayview non working website. Each months Bayview site is down for days and when it is up its not working properly. I logged on to make my XXXX payment and it was never process. I do take ownership for the error because I did n't write the confirmation down nor did I check my account to ensure the payment was made however I also believe Bayview 's faulty system also contributed to the payment arriving late. In XXXX XXXX , I contacted the company once more. Due to the error in XXXX I had to make XXXX payment in XXXX . I contacted the company to find out if their were in deferring option. I explained to the representative that I wanted to void making the payment at the and and being charged the late fee and I also needed time to recovery from the last payment cycle. I was offered to divided the payment over 3 months to avoid the late fees but I was never advised that the payment would continue to report late until it is paid in full. In early XXXX I received an alert notifying me that a late payment was reported.I immediately contacted Bayview and was told it would continue to report late until the payment plan is completed I explained I was never informed of that and all the could say is that it was policy. I escalated i and still got no where. I paid the balance off a few week later satisfying the arrangement and wrote the company a letter asking to concern removing the remarks because of the miscommunication. I never received a response. The following month I attempted to make a online payment and my profile was locked out. I did not contact the company because I did n't want to additional aggravations. In additional. On XXXX XXXX I began receiving collections call every hour on the hour. I thought this was really strange because it never happen before and not to mention it was a day after my due date. It went on for about 4 days until I filed a complaint. At which time I was told the only way to stop the call is to remove my number all together because the system is design to call every hours. This is just another example of Bayview poor service skill. No one should be harassed every hour for XXXX plus hours about a payment. All in all Bayview lack in the area of service and have poor business standards. In the past year they have lost my insurance policy, billed me incorrect, provided misleading information and been harassed. The auto call system needs to be program for less calls. Customer service needs to be trained on how to properly address questions. Lastly, Bayview should respond when something is received in the mail. I am activity seeking another mortgage option because I can no longer allow Bayview to affect me personal due to their negligence.
06/29/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Sub-servicer Bayview Loan Servicing and Master Servicer XXXX XXXX XXXX has discriminated against us by denying us a HAMP Modification based on one or more of the following : race, color, national origin, religion, sex, familial status or disability, handicap. Sub-Servicer Bayview Loan Servicing and Master Servicer XXXX XXXX XXXX has discriminated against us by denying our Hamp Modification and intentionally committing the following violations : Refuse to negotiate for housing/Hamp Modification/Modification Set different terms, conditions or privileges for sale or rental of a dwelling Falsely deny that housing is available for inspection, sale, or rental Refuse to make a mortgage loan/Hamp Modification/ Refuse to provide information regarding loans/Hamp Modification/Modification Impose different terms or conditions on a loan, such as different interest rates, points, or fees Discriminate in appraising property Refuse to purchase a loan or Set different terms or conditions for purchasing a loan. preparing, executing, notarizing, and presenting false and misleading documents, filing false and misleading documents with courts and government agencies, or otherwise using false or misleading documents as part of the foreclosure process ( including, but not limited to, affidavits, declarations, certifications, substitutions of trustees, and assignments ) ; and preparing, executing, notarizing, and filing affidavits in foreclosure proceedings, whose affiants lacked personal knowledge of the assertions in the affidavits and did not review any information or documentation to verify the assertions in such affidavits. This practice of repeated false attestation of information in affidavits is popularly known as robosigning. In Addition : XXXX XXXX XXXX has done the following to us : Threaten, coerce, intimidate or interfere with anyone exercising a fair housing right or assisting others who exercise that right Advertise or make any statement that indicates a limitation or preference based on race, color, national origin, religion, sex, familial status, or handicap. This prohibition against discriminatory advertising applies to single-family and owner-occupied housing that is otherwise exempt from the Fair Housing Act. Aproximately XXXX to XXXX, we have filed numerous HAMP Modification Packages with Master Servicer XXXX XXXX XXXX and Subservicer Bayview Loan Servicing Although, XXXX only excepted full Hamp Modification Package request, XXXX XXXX XXXX sent numerous Hamp Modification denials after we submitted full Hamp Modification Packages. Moreover, XXXX had already evaluated the Hamp Modification Package and prequalified us before submitting the Hamp Package through XXXX XXXX XXXX. XXXX became so frustrated with XXXX XXXX XXXX denying the Hamp modification packages that XXXX filed a complaint with the Consumer Financial Protection Bureau on our behalf. Approximately between XXXX and XXXX, Master Servicer XXXX XXXX XXXX and sub servicer Bayview Loan Servicing denied us for a HAMP modification packages due to the following : Incomplete paperwork, Due to our income being from XXXX, XXXX XXXX XXXX Placing themselves on the permanent inhouse modification package as the lender and XXXX XXXX XXXX was never the lender, XXXX XXXX XXXX was the lender and had gone Bankrupt therefore, XXXX XXXX XXXX placed itself as lender on a loan that XXXX XXXX XXXX never financed, and was never the Note Holder or the Deed Holder. XXXX XXXX XXXX filed fraudulent documents with State government agencies, with federal government agencies, Secretary of State in Arizona, Consumer Financial protection bureau, and through the United States Postal Service.
07/21/2016 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • GA
  • 31088
 Web
This is the second complaint that I have submitted in reference to Bayview Loan Servicing , LLC . My initial complaint contained a QWR requesting information in regards to Bayview Loan Servicing , LLC 's role in a mortgage they say they have the legal authority to service that is in the name of my mother 's estate. I also requested that they be investigated for violations in regards to the Fair Debt Practice Act violations along with several other major concerns. Previous requests both in writing as well as verbally have not been consistent. I am attaching a response to a QWR I sent to them shortly before I submitted my initial complaint to CFPB. I have been told verbally by different asset managers since XXXX XXXX that Bayview Loan Servicing LLC is the owner of the mortgage they feel is still active, however their paperwork reflects that other parties are the owner of the note and have authority to pursue a pending foreclosure in a mortgage I dispute the validity. Currently, there is a pending foreclosure for XXXX XXXX, XXXX in the name of Bank XXXX New York XXXX. XXXX asset managers offered a deed-in-lieu through the Making Home Affordable Program along with {$10000.00}, but only if I submitted the required paperwork by XXXX today. They said according to the governmental guidelines I had to submit the application at least XXXX business days before a foreclosure date in order to be considered, however a housing XXXX I was referred to the Making Home Affordable Program said that information was not correct. She said that an application had to be submitted within 30 days prior to a foreclosure date in order to be eligible for the Making Home Affordable program which would not be allowed in this case with a pending foreclosure date set for XXXX XXXX, XXXX. I also asked her why the MHA application was only XXXX pages long that was emailed to me from Bayview Loan Servicing , LLC while an application on the MHA website was XXXX pages long.It was also very clear Bayview Loan Servicing , LLC had drawn a box in pencil and had hand written the words deed-in-lieu as an option on what they consider to be an official document. She advised this was not professional and that she could not advise me to sign a document they had changed in this way or tampered with in any way. It was also evident they had changed the wording in the borrower 's acknowledgment section and rewrote it in different words that are different from the official MHA application that I saw on the MHA website. Bayview Loan Servicing , LLC also eliminated the fraud prevention link at the bottom of the application which is concerning. In addition Bayview Loan Servicing , LLC sent me a form that I am also attaching to this complaint asking for very personal information going back ten years, including information from a former husband. I clearly do not understand the reason for requesting this information in order to process a deed-in-lieu. My name is on the warranty deed because my mother in her wisdom at the time thought it was a good thing to do along with having her will drawn up in XX/XX/XXXX. My mom passed away in XXXX from XXXX and I have been struggling with these issues all of this time. HUD housing counselor today advised me that I needed to contact the Federal Trade Commission because of potential fraudulent activity by Bayview Loan Servicing , LLC, which led me back to CFPB to file another complaint. Bayview Loan Servicing , LLC needs to be investigated.The manipulation, coercion, and falsifying of documentation needs to be addressed along with the pending fraudulent foreclosure and current bid showing on their attorney 's, XXXX XXXX, website.
05/11/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 604XX
 Web
We purchased this house in XXXX of XXXX, our mortgage was {$2200.00}. We were just excited to own our own home. about a year in we refinanced the mortgage with a interest rate of 4.25, to 3.875 and our mortgage was decreased to {$2000.00}. We were making our payments on time no problems. My husband XXXX was let go from work XX/XX/XXXX XX/XX/XXXX, our income changed drastically he was making close to 1,200 weekly. I called the mortgage company to inform them, they sent out paper work to get a modification started. I sent in all required documents they kept sending them back for small things, then other forms start to expire I would have to re send everything again this went on for about 1 year I contacted someone from HUD to help the first office was of no help. XXXX started working another job but their was a lost of income, I was only working part time in school full time. XXXX was injured at work XX/XX/XXXX XX/XX/XXXX he was off for almost a month putting us behind in all bills again. we received a foreclosure letter from XXXX XXXX with a date of XX/XX/XXXX XX/XX/XXXX to sell our property so, we meet with attorney XXXX XXXX and started the chap XXXX process to save our home at this time we were behind XXXX dollars XXXX tried to appeal this and not accept it. They eventually did after a few court dates. After all the late fees, other fees and attorney fees from XXXX our mortgage was past 32,000 they added on so many fees. They gave us a mortgage of {$2200.00} not what we were paying before, XXXX gave us the runaround about who to make payments to we were making our old payment of XXXX first, no one informed us that it increased. 3-4 months later I started working with South suburban HUD who helped me get approved for XXXX XXXX XXXX. XXXX XXXX XXXX call XXXX to make a payment it was rejected because XXXX said our balance was XXXX. XXXX XXXX XXXX has a max balance of XXXX. The HUD rep called me and stated to call my bankruptcy attorney to have them write a letter to accept the XXXX and put the remaining on the back end and proceed with a loan modification. Well my attorney sad they wouldn't be able to do it because their just bankruptcy attorneys and go to court for us. So XXXX XXXX XXXX denied us. We continued to make payments of XXXX plus our chap XXXX payment of XXXX we have our cars on the bankruptcy as well. The bankruptcy attorney recommended us to XXXX XXXX who share a office with them. he said he could help us get a loan modification we paid him {$750.00} in XX/XX/XXXX XX/XX/XXXX. He told me to work with HUD again to apply for XXXX XXXX XXXX once again I gathered all the paperwork for XXXX XXXX XXXX, we were accepted again and once again XXXX denied the payment because it was on XXXX and they wanted more. I contacted XXXX to let him know he said it takes 30 days to get a response form them. He finally started working on our casel in XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX is not an option for us at this time due to me working full time now. I have submitted all the required paperwork several times to XXXX office so he can send it to XXXX and told to wait 30 days for a review, just to wait 3 weeks and find out we need another form or a date was missing. I just recently updated another hardship form with XXXX now were going on week 3 and his assistant called to say we need more of a timeline on the hardship form when we provided dates already, It has been a hard journey of circles and I'm getting no where. I'm trying to save my property and XXXX is not working with me and I have been working with them nonstop for 3 years now providing all the paperwork they ask for. Please help me.
08/10/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20772
 Web
My mortgage loan was held with XXXX XXXX XXXX ( XXXX ). I fell severely behind in making my payments and applied for mortgage assitance with XXXX to see if there were any programs I could be eligible for that would allow me to make my payments current. I submitted all necessary documentation as well a hardship letter. After a couple of months I was given approval for the trial period plan under the Home Affordable Modification Program. Pursuant to the terms of this offer, I needed to make XXXX timely payments and after making the last payment my loan would be permanently modified. I was able to make my XXXX payment with XXXX by XXXX/XXXX/15 and effective XXXX/XXXX/15 my loan was transferred to Bayview Loan Servicing. I was assured by XXXX that there should n't be any issues with making my remaining XXXX payments with Bayview as they would receive all information pertaining to my account. Ever since my loan was transferred I 've been met with nothing but sheer frustration and aggravation. I called Bayview on XXXX XXXX to make my next payment and was told they had no record of me in their system and to call back a week later. I called back on XXXX XXXX and was told the same thing and there were unable to accept my payment. I called back again on XXXX XXXX and my payment was finally accepted. I was told that when calling to make my future payments tell the representative to look into the " notes '' of my account to see the arrangement set up. I was able to make my final payment on XXXX XXXX and my account was assigned to an asset manager, XXXX XXXX. I called XXXX XXXX on XXXX XXXX at XXXX, XXXX, and XXXX. He never returned any of my calls. I needed to receive some information from him as to what my next step was. I called the following day XXXX XXXX and spoke to an asset manager that was available, his name was XXXX XXXX. He eased my frustation by telling me of how my loan will be forwarded to the conversion department and documents will be sent to me by overnight mail to sign and return. He assured me it should take no more than 30 days. During this entire time I received certified mail from Bayview telling me how I 'm in danger of losing my home and I even had someone come to my residence to knock on my door to see if my residence was occupied. I deem that as harassment. I know my mortgage is in arrears but I 've taken the necessary steps to become current. I called again on XXXX XXXX and spoke to a XXXX XXXX who was a supervisor of the Asset Managers. She told me she 'll forward my information to XXXX in the conversion department then she 'll call me with an update. To this date, XXXX XXXX never called me back. I made my XXXX and XXXX payments and I still have n't received any documents relating to the conversion of my loan. Every time I make these payments the customer service representative has offered me frustration by transferring me to an asset manager who 's NEVER available. Luckily my last XXXX payments were successfully made because thankfully my call was routed randomly to the same customer service representative who is familiar with my situation and knows exactly where to go into the " notes '' of my account to accept my payment. Her name is XXXX ID # XXXX. She was the most helpful person since I 've been with Bayview. I 'm at a point where I 'm stressed out because I have no idea what the status of my loan status. I 've fulfilled the terms of my offer and it has been well beyond 30 days. I believe this company may be predatory or manipulative in ways that I 'm unable to really understand. I 'm submitting my complaint here and would request my loan be serviced elsewhere.
09/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10024
 Web
RE : XXXX XXXX XXXX, XXXX, MA, XXXX Good afternoon. As per prior complaints, XXXX XXXX attempted to sell my house at auction with no communication. They have now transferred the mortgage to Bay View. Bay View refuses to communicate with me, as well. The transfer appears to have taken place in XXXX. XXXX XXXX claimed for years that I was not on their mortgage and refused to speak with me, yet tried to sell my house at auction, after refusing to speak with me about the status of the loan ( XXXX XXXX is on the note, and his attorney is XXXX XXXX, in XXXX ). I was forced by XXXX XXXX to pay XXXX XXXX 's debt to XXXX XXXX, to save our house from foreclosure. As discussed, I paid the downpayment for XXXX XXXX XXXX, XXXX, MA, XXXX in XXXX. XXXX XXXX is solely on the note. We are both on the title. XXXX XXXX and Bay View continue to refuse to communicate with me about my property. Further details : XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX defaulted on the note for this property in approximately XXXX, and XXXX XXXX refused to let me work out a deal to take over the note and save the house. XXXX XXXX then tried to sell the house at auction. I was given the right to manage the property in XXXX court. XXXX XXXX was ordered to stay out of the house. Now the mortgage has been transferred to Bay View, and Bay View refuses to speak with me about the status of the mortgage/property/loan. To make matters worse, XXXX XXXX XXXX in XXXX XXXX XXXX is also refusing to accept our payment for month month rental of our apartment, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, for XXXX. They are threatening to keep our security deposit. See message below. They have already deposited month to month checks for prior months. I believe that their actions are against the law. -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXX XXXX Subject : RE : Hi, XXXX. Please deduct and XXXX rent .... To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... I am not sure what check you are referring to but as Ive said in a prior email, you have a balance of {$15000.00}. Your check may have been returned because youve not made payment in full. Your lease expired at the end of XXXX. We have accepted payments in XXXX and XXXX. You have not missed a payment since your lease ended, until now. Please let us know when you will be making payment of your arrears. As for your deposit, as Ive written to you before, a resident can authorize the landlord to use the security to apply to the last months rent but the rent must be paid in full in the months prior to your vacating which XXXX has not been paid and that there are no damages to the apartment beyond wear and tear where the landlord can draw down from the deposit to cover the repairs costs. You have not performed your walk through as of yet, so I do not know if there are any damages to consider at this point. As for this alleged person you have referred to, I dont know the circumstances or who you are referring to but if this person did not make payments of rent that he owed, this person destroyed his own credit, not the landlord. As for your moving on XX/XX/XXXX, since you will be in occupancy after the first of the month, the landlord is entitled to collect rent for the month of XXXX. Please confirm that you will be making that payment. Please let me know how you wish to proceed. Thank you XXXX XXXX XXXX Property XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX Direct XXXX Main XXXX Regards, XXXX XXXX XXXX
11/20/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 93960
 Web
XX/XX/XXXX - I solicited Mortgage help from the government program XXXX XXXX XXXX XXXX ( XXXX ) to prevent foreclosure. XX/XX/XXXX I was pre-approved by XXXX XXXX XXXX XXXX to receive help and avoid foreclosure, however, additional authorization from the mortgage servicer ( Bayview Loan Servicer, LLC ) was necessary to continue with this process by obtaining approval for a mortgage loan modification. XX/XX/XXXX ( all month basically ) - I completed a lengthy and detailed process with Bayview Loan Servicing , LLC to revise my financial status and be able to receive approval for a loan modification. The bank needed to inform XXXX of their approval. The deadline to meet by XXXX was XX/XX/XXXX. I followed up with Bayview on all the documentation they asked from me and communicated with them several times over the phone. The deadline asks for loan servicer approval for a loan modification. I have since then been waiting for the bank to notify XXXX of their decision on the possibility to modify my current mortgage loan. Because there has not yet been an answer from the bank to XXXX ; XXXX kindly extended the deadline by a month. XX/XX/XXXX is the new deadline. During this process, I have tried to call many ( all ) Bayview numbers related to customer service but my phone number and/or account is blocked from contacting anyone. I have tried calling at different times of the day, different days a week and I am only able to contact one person and one phone number only. This person I speak to representing Bayview is rude and condescending. I am not confident he has my best interest at hand and I feel he is neither transparent nor clear about the process I seek. Unfortunately for me, he is an English-speaking representative, and I always need a translator when communicating with him. Translators are also rude and often have side conversations with him during my call. I have explicitly asked to talk to someone else or another department or supervisor but my request is always ignored and to this date, I have not yet been able to contact anyone else other than him. I am truly so distressed and anxious about this process because the new deadline set forth by XXXX to be able to receive aid and save my home is fast approaching and yet no response of any kind from Bayview has been notified to XXXX. Because I do not have the money to hire a lawyer, I have not looked for legal assistance or file for bankruptcy. It is extremely important to me to resolve this issue, avoid foreclosure and save my home. I am reaching out to this entity to kindly request help sorting out this very crucial matter. XX/XX/XXXX - I decided to submit this claim because I am not satisfied with the unclear, incomplete and misleading responses I have receive from the bank. I strongly believe the loan servicer is purposely making me loose time by asking me to provide repetitive information and by sending me general and misleading information trying to get me to sign documentation that we have not discussed nor agreed to over the phone. I have a strong reason to distrust this person because all the documents that Ive received have been forwarded to me without XXXXs knowledge and if signed by me ( as explained by XXXX ) these would automatically disqualify me from receiving any help from XXXX. Again, the person I have been in contact with from the bank has tried several times to confuse me with the process sending me paperwork for new agreements independent from the XXXX process. I have remained in touch with XXXX XXXX XXXX XXXX and they have not been notified of any decision made by the bank on this matter.
02/26/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30052
 Web
I am in foreclosure on my mortgage ( of XXXX yrs ), with an auction date of XX/XX/XXXX. I fell behind in XX/XX/XXXX due to increased expenses. The last payment I made was XX/XX/XXXX. I realized I was n't getting back on track right away, so I contacted my mortgage company in XX/XX/XXXX. I sent them a loan modification application in XX/XX/XXXX, per their advise. I continued to receive my monthly statements while waiting for an answer to my application, but I was n't getting any response. In XX/XX/XXXX, to my surprise, I received a letter from my mortgage company 's attorney with an auction date to sell my house on XX/XX/XXXX, only XXXX weeks away! I immediately called my mortgage company, and was told they never received the application I sent them in XX/XX/XXXX, and advised me to resubmit it, stating that once an application is submitted the foreclosure process is put on hold. True to their word, the XX/XX/XXXX auction date was cancelled in XX/XX/XXXX. By this time I had secured a second job, assuring them I had enough income to make my monthly payments, starting immediately ( XX/XX/XXXX ). I asked about possible forbearance, or adding the arrears to the end of the loan, and I was told about their " repayment plan ''. This plan would allow me to pay half of my passed due payments ( including their attorney 's fees the total was roughly {$4000.00} ), and have the other half put back into the loan. My XXXX and I discussed ways for me to get the down payment ( {$2000.00} ) from family, friends, ect. I told my her I would get back to her as soon as I had the funds. Within XXXX weeks ( mid-late XX/XX/XXXX ), I had the down payment we discussed that was required for the repayment plan. However, this time I was told it was too late for their " repayment program '', that there was a certain deadline that I had to have the down payment submitted. I WAS NOT INFORMED OF ANY DEADLINE. Now that I had obviously missed any chance of getting the repayment plan, I was told I would have to come up with the NEW total arrears and attorney 's fees ( it had been accruing and was now closer to {$5500.00} )! Meanwhile, ( now into late XX/XX/XXXX ) I was being asked a couple times a week for more information, paperwork, income and expense information, etc. to complete the modification application I had sent in months ago. I quickly sent in the same documents time and time again. I also was also keeping in touch with my XXXX ( calling and emailing numerous times ) about the status of my application, but was told time after time they needed more information for their underwriters to review it. While I was diligently sending them everything they continued to request, I received another letter, near the end of XX/XX/XXXX, from their attorney with a new date for my house to be auctioned, XX/XX/XXXX! I do not understand how they could go back into the foreclosure process while I had submitted more than XXXX modification application. I was informed by my XXXX last Thursday, XX/XX/XXXX, that I could expect to have an answer as to whether or not my modification application would be approved by the end of XX/XX/XXXX ( only 3 days from now ), leaving just 7 days before the auction date. I have looked into every other option I could hunt down to try to save my house, to no avail. The only option I can see available to me, if I am not approved, is filing for bankruptcy. I simply want to keep my house. I have given my mortgage company proof of income ( numerous times ) showing that I can afford the monthly payments with no problems. I have even sent personal budget spreadsheets to back it up.
01/08/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • RI
  • 02895
 Web
please see below email sent to Community Loan Servicing XXXX whom is may Concern, Attached is Documentation regarding recently transferred account XXXX. A physical copy has been mailed to XXXX XXXX XXXX who is the Assistant Vice President of Customer Relations. See attached photo of mailing. XXXX XXXX XXXX was in default due to not answering to my conditional acceptance. Now since Community Loan Servicing has entered the picture please go thru the attached documents. I prefer mail or email correspondence. I'm looking for detailed accounting of the transferred mortgage from XXXX XXXX XXXX as of XX/XX/2021. Also enclosed is a Copyright Notice. Please be advised that the use of my Copyright protected Property is at a cost of {$500000.00} per use. Thus far, I have received about 3 mailings which incurs a total of {$1.00} million dollars. Please be advised that I'm looking to resolve this matter with the remedy provided. If anyone reading this email doesn't know how to handle it. Please forward to the CFO. As a Certified Public Accountant, he/she will understand the laws relating to Negotiable Debt Instruments and the remedy of 18 USC 8 utiliizing XXXX accounts with federal member banks. As Secured Party, I am fully aware of my rights under the Uniform Commercial Code. You have 10 business days from the receipt of my certified mailing # XXXX, to respond point by point via notary in regards to the accounting of the alleged debt. I will be expecting a Discharge of Mortgage document. It appears that you may have unfinished business with XXXX XXXX XXXX, due to the mishandling of the account that was transferred ( sold ) to your Company. Thank you in advance! Please CC XXXX XXXX Assistant Vice President of Customer Relations. here is the second email sent to Community loan servicing : XX/XX/2021 Customer Relations Department Community Loan Servicing, LLC XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Loan Number : XXXX Deed of Trust Document # XXXX LEGAL NOTICE : Second Request for Verification of Debt and Proof of Claim Dear Community Loan Servicing, LLC., I refer to your response dated on XX/XX/2021, XXXX case number : XXXX. You did not answer my Conditional Acceptance for Verification of Debt and Proof of Claim Request point by point as required by law. I had requested that you provided proof of claim, MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE, and all assignments, together with the ORIGINAL WET INK Deed of Trust in XXXX XXXX. A photocopy of the security instrument is not a sufficient proof of claim as per U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ). Under this code, I am entitled to have the instrument presented to me as you are required to upkeep the legal document entrusted to you. You did not provide any proof to sufficiently satisfying your claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. As a matter of courtesy, I will further extend my request from this date for another 10 days for you to provide me with the proof of claim expiring 10 days after receipt of Certified Mail # XXXXYou are hereby given notice that failure to produce proof of claim after this courtesy means you will have exhausted your administrative process and no further claims can be made against me or my property. This is forfeiture will be binding and enforceable under a private administrative process. You will find a copy of my original qualified written request enclosed. Please be advised : Incorrectly addressed mail shall be returned unopened and unread, any or all correspondence from this point must be by mail only.
12/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20876
 Web
I am writing you now in hopes that a full investigation can be done on Bayview Loan Servicing for almost two years I have been trying to sell my home. With Bayview Loan Servicing each and every Ratified Sales contract fell through due to slow processing. Bayview will continuously request a new appraisal, submittal of new documents, they would assign new Asset Managers of which I had 4 or more. In all instances my entire file did not transfer and the newly assigned Asset Manager would be clueless of my file and documents sent or they would say they are not in receipt of my Hardship Letter, HUD-1 or other documents. By the time they would assign an Appraiser for my property either my documents expired or the buyer would terminate the contract and I would have to restart the entire process. As of last year XX/XX/XXXX under the new administration the Making Home Affordable Program went away XXXX kept referencing and processing my documents under such program once my package went to the underwriter they caught the error and again I lost another contract. Because this has not happened to just me I am pleading that CFPB and all regulating agencies do an entire investigation on Bayview Loan Servicing. Bayview even posted signs on my property which was illegal as if my home was in foreclosure on numerous instances which inhibited my ability to off load the because potential buyers thought the home was going to be put up for auction. Somebody please, please do an investigation and more importantly please help me fast forward the Deed in Lieu my current Asset Manager name is XXXX XXXX comes now because the Making Home Affordable Program went away Bayview is only offering XXXX to the 2nd Lien Holder vs. the XXXX which is stalling the sale of my home. I am at a wits end on what to do my file has been under review since XX/XX/XXXX with Bayview Loan Servicing and Real Time Resolutions with no end in sight. I am a single mother of XXXX children I can no longer sustain this property paying ancillary costs associated with the property and take care of the basic necessities for my children. This is absolutely insane. What Bayview is doing is unlawful it should not take two years to sell a home nor should it take an inordinate period of time to get a Deed in Lieu processed. Time Line for the Sale of XXXX XXXX XXXX XXXX Maryland XX/XX/XXXX listed property with XXXX XXXX for {$430000.00} XX/XX/XXXX received offfer from XXXX for {$430000.00} XX/XX/XXXX ratified offer at {$430000.00} XX/XX/XXXX received approval from XXXX for sales price of {$430000.00} XX/XX/XXXX received approval from Bayview for sales price of {$430000.00} XX/XX/XXXX bank came back at {$430000.00} with no seller subsidies XX/XX/XXXX Bank came back for a second -me at {$490000.00} XX/XX/XXXX buyer sent us a release and was signed by Ms XXXX on the XX/XX/XXXX received conditional approval and Investor schedule instructing me to reduce the price every 21 days - Asset Manager stated that Investor Schedule was invalid and that they were waiting on Appraisal XX/XX/XXXX received an offer from XXXX XXXX XXXX for {$410000.00} XX/XX/XXXXXXXX received an offer from {$410000.00} XX/XX/XXXX - received an offer from XXXX XXXX XXXX XXXX for {$310000.00} XX/XX/XXXX - Submitted package to be considered for Deed Lieu to date it is still under review with no end in sight. Is Bayview simply trying to foreclose on this property vs. offering a true work out option Unfortunately your portal would not allow me to upload all the Sale Contracts and Repeated Application requests by Bayview I would be willing to provide them
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27545
 Web
In XX/XX/XXXX, my wife, filed Chapter XXXX bankruptcy. It was discharged XX/XX/XXXX and the mortgage loan was not reaffirmed by her. In early XXXX, I filed Chapter XXXX Bankruptcy. In XX/XX/XXXX, my bankruptcy was dismissed. I did not reaffirm the loan. XX/XX/XXXX, we received a Loan Modification from XXXXXXXX XXXX XXXX XXXX XXXX, loan payments were paid to XXXXXXXX XXXX No late payments. XX/XX/XXXX, I was in a car accident and unable to work due indefinitely to injuries. XX/XX/XXXX, XXXXXXXX XXXX granted a forbearance plan offer ( Pre-Covid ). The agreement was to pay {$210.00} per month from XX/XX/XXXX XX/XX/XXXX and then the agreement would be re-evaluated. XXXXXXXX XXXX never reported the loan as delinquent as we were told the forbearance plan would our account/contract bring us current. XXXX XXXX, as we all know COVID, the pandemic hit the U.S. XX/XX/XXXX Received letter from XXXX XXXX that the Loan was sold to Bayview Loan Servicing effective XX/XX/XXXX. XX/XX/XXXX, received welcome letter from Bayview which also indicates that This transfer does not change any terms or conditions regarding your loan. Your prior servicer will provide us with a copy of your current records. XX/XX/XXXX, Bayview enrolled us in the Emergency Relief Forbearance Plan due to being impacted by the pandemic. However, Bayview never acknowledged the forbearance plan offer from XXXXXXXX XXXX, as they claimed they never received the information of the plan offer from XXXXXXXX XXXX. XX/XX/XXXX, we sent a copy of the plan/agreement over to Bayview ( XXXX ) for review via email after speaking with Bayview representative XXXX. Bayview never reported the loan as delinquent to the credit reporting agencies and we never received a response from Bayview. At the time of enrollment in the Emergency Relief plan, again, we were never notified or given any indication that the loan was delinquent. SuddenlyXXXX XXXX XXXX, Loan changed hands from Bayview to Community Loan Servicing ( same company, name change ). Community Loan Servicing immediately began reporting the loan as delinquent over 180 days plus from past time frame. Credit score dropped dramatically which sent numerous alerts from various paid credit monitoring services we use. This is how we became aware that they reported this erroneous information to the bureaus. XX/XX/XXXX sent certified letter to Community Loan Servicing expressing concern over how the loan was being serviced. We asked them for copies of the original sources of all items that were being used to report late payments to the credit bureaus. XX/XX/XXXX received letter from Community Loan Servicing acknowledging letter receipt and given a proposed resolution date to receive documents requested by XX/XX/XXXX. XX/XX/XXXX sent 2nd certified letter to Community Loan Servicing indicating that we had not received the documents as promised by XX/XX/XXXX. XX/XX/XXXX received letter from Community Loan Servicing responding to our inquiry with supporting documentation. Also sent a copy of an email they claim they sent us on XX/XX/XXXX. However, it was never received as they sent the email to the wrong email ( see attached copy of the email ). The fact that this loan is being reported 180 plus days delinquent has not only affected my credit score but has affected my livelihood as this reporting has caused many financial grievances for me and my family. We are unable to take advantage of better financial options that would be available to us during and after the pandemic as we are virtually stagnant because of this incorrect reporting.
02/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30097
 Web
On XX/XX/XXXX I received a phone call from my Attorney, it was a 3 Way Call with Bayview Loan Servicing VP, XXXX XXXX on the line. Finally, I felt like maybe we can resolve this whole mess they have made with my account. OnXX/XX/XXXX I received a Loan Modification from Bayview Loan Servicing, it was signed notarized and fully executed! On XX/XX/XXXX I received a call from XXXX XXXX claiming Bayview Loan Servicing didnt receive my last trial modification payment. I sent her proof that my last modification payment was made on XX/XX/XXXX, but she continued to lie about receiving it. First, I sent Bayview Loan Servicing a check on XX/XX/XXXX for my XXXX payment, but they were taking forever to post it to my account, so I got worried, thinking maybe the check was lost or maybe Bayview Loan Servicing was just sitting on it. I stopped payment on the check and decided to use my debit card onXX/XX/XXXXto make XXXX payment. The payment went through and I e-mailed XXXX XXXX to let her know XX/XX/XXXX payment was made and gave her the confirmation number. I have been doing a lot of research, trying to understand why would she lie about receiving my payment. My online account is showing my XX/XX/XXXX payment in a Suspense Account with a credit. Its just so STRANGE to me that Bayview Loan cant see this. I was nice enjoy to provide a screenshot to them. Why was my last modification payment put in Suspense Account? After speaking to XXXX XXXX I still feel like I have been mistreated and he was constantly defending XXXX. I honestly believe they train them to lie like this. He is requesting my bank statement now and I have no problem with that. The problem I have is being lied to about receiving my payment on XX/XX/XXXX and if a reversal was done on XX/XX/XXXX after XXXX XXXX called claiming the payment wasnt received, its their fault for telling a lie, but I will still resubmit the payment because I dont believe in taking anything that doesnt belong to me. My loan modification approval should NOT be voided because I did what I was supposed to. The money was with Bayview Loan Servicing when my loan Modification was approved and they need to be honest. I made all 3 payments on time and I should not be penalized if Bayview Loan Servicing lied about not receiving the payment. I made several attempt to get in touch with XXXX XXXX Manager to see what was going on with my account, and if I needed to resubmit payment and no one answered or returned my call during that time. I can not continue sending money to Bayview Loan Servicing and they claim they are not receiving it. After seeing the my last trial modification payment in Suspense Account with a credit, it makes me think they have the money, but it my bank did the reversal on XX/XX/XXXX it was because of the lie XXXX told me. I feel like XXXX XXXX was defending XXXX lie. I told him the bottom line is I did what I supposed to and the Loan Modification was approved on XX/XX/XXXX and my payment was with Bayview Loan Servicing at the time of approval. My bank was investigating the money only because of the lie I was told. I also told XXXX XXXX if the money was reversed because of XXXX claiming they didnt receive it that I would pay again. I dont need all this stress in my life. My account is a MESS, every time I look at it all the numbers are different. Im praying hard XXXX reveals the truth and Im treated fairly. After going through all this chaos with Bayview Loan Servicing it makes me so uncomfortable having them as my mortgage company because I have never been treated so badly by a mortgage company in my life!
08/25/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 34667
 Web
After XXXX years of trying to modify a mortgage with XXXX XXXX XXXX and writing XXXX different Chairman of the XXXX XXXX XXXX XXXX XXXX and writing the Comptroller of Currency with complaints about the lack of the process of the modification and being paper worked to death XXXX of XXXX XXXX XXXX XXXX switched service providers to Bayview Loan Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX. The loan number is XXXX. I suppose that it got hot and heavy with the Comptroller of Currency so XXXX XXXX XXXX switched service providers. I have been in contact with XXXX XXXX, asset Manager, Bayview Loan Servicing , LLC . XXXX 's phone number is XXXX and fax number is XXXX. Every time XXXX XXXX conversed with me. I informed him that I wanted a principle reduction loan modification. On XXXX XXXX, XXXX an exterior evaluation Broker 's Price Opinion was completed by XXXX XXXX who represents XXXX XXXX XXXX. XXXX XXXX 's contact number is XXXX. The market price as is XXXX and Broker Estimated Market Price is XXXX. Now 5 month later, XXXX XXXX, XXXX I receive another Broker 's Price Opinion Exterior Evaluation from XXXX XXXX from XXXX XXXX XXXX contact phone number XXXX. The Broker Estimated Market Price XXXX and Broker Estimated Market Price XXXX. Miraculously the price increased XXXX in just 5 months Now you can look up the story in the media. In XXXX XXXX XXXX 4 XXXX in my house. XXXX ( XXXX ), XXXX and XXXX XXXX along with XXXX 's new boyfriend XXXX were slaughtered and tortured in my house. The property needs approximately XXXX to XXXX worth of repairs : pool, deck over canal, boat lift and poles, windows, cabinets, holes cut out of floors and walls from XXXX investigation, floors, XXXX. Now this latest evaluation coincides with a offer of a modification for unpaid principal balance of XXXX. The Capitalized XXXX amount of XXXX. I will forward to you copies of this complaint with the above paperwork. The modification payment of XXXX is due XXXX/XXXX/XXXX. The property is worth about XXXX. I am not going to sign the paperwork and agree to these terms. I want a principle reduction modification. The main reason I am writing this complaint to you is because in XXXX when I originally purchased the property for XXXX. I put XXXX as a down payment and after I researched the property values a little more. I saw that the family that I purchased the house from paid XXXX in XXXX. I phoned XXXX who was the original mortgage company and informed XXXX that I did not want to go through with the purchase of the property because there was no way the value could realistically go from XXXX to XXXX in just XXXX years. XXXX informed that if the property appraised at XXXX and I did not go through with the contract. That I would loose my XXXX down payment. Now of course the financial institutions were sleeping with the appraisers and the house once again miraculously appraised at XXXX. So I was forced to proceed or loose my XXXX down payment. Now lets fast forward to now XXXX XXXX. I owe XXXX and the property evaluates at what I owe on it. In XXXX months the value in XXXX XXXX increases by a XXXX. With the XXXX and the condition of the property. Deja Vu all over again. I moved to XXXX in XXXX because my wife at the age of XXXX found out she was adopted and we moved to XXXX XXXX to be with her biologically mother and XXXX siblings. I purchased my first property for XXXX K cash then we wanted to purchase XXXX XXXX XXXX, XXXX XXXX. which was next door to my wife 's biological mother. After I put the XXXX down and researched. I new that the property was not worth it.
03/03/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33029
 Web
XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX Fax : XXXX Phone : XXXX | XXXX Bayview Loan # XXXX XXXX # XXXX # XXXX CFPB Case number : XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau Customer Representative XXXX XXXX XXXX XXXX XXXX XXXX Subject : Case number : XXXX | Request for Mortgage Assistance Dear Customer Service Representative, I need your assistance in dealing with Bayview Loan Servicing , LLC ( BLS ) servicing company. I have attached list of exhibits in order of occurrence since XXXX XXXX up to today. You will find he first letter I sent you in exhibit A. I still have to direct my mail to XXXX different addresses ( Exhibit B ). The employees at Bayview Loan Servicing , LLC act like they do not receive my faxes, email or mail ( see Exhibit C ). 1. I need your help. On XXXX XXXX, XXXX, I sent my RMA to XXXX XXXX and copied my attorney, XXXX XXXX XXXX, XXXX. ( see Exhibit A ). I never heard back from you on my RMA. 2. On XXXX XXXX, XXXX I received a letter signed by XXXX XXXX XXXX XXXX stating that he has NOT received my RMA ( see Exhibit B ). That is simply not true. Based on the evidence above, I conclude that Bayview Loan Servicing , LLC is acting in bad faith, or is involved in some type predatory lending scheme. Please see the definitions on the last page of this letter. I have never had a Mortgage lender erase the e-mails that I send to them, and not acknowledge the faxes or Express Mail that I send to them. My XXXX loan # XXXX was transferred to Bayview Loan Servicing , LLC . My Bayview Loan number is XXXX. The XXXX XXXX loan number is XXXX. This is an organization that numerous complaints for poor customer service on the local Better Business Bureau website. I am requesting that you investigate this loan servicing company for possible wrong doing, and assist me in keeping my home. A foreclosure does not help me or my neighborhood. The house behind my house has been vacant for 8 years and is now totally destroyed. 1. REQUEST FOR ASSISTANCE : I would like for Bayview Loan Servicing , LLC . ( BLS ) provide me with the following service immediately : a. Process the paperwork that I have mailed to them on XXXX XXXX, XXXX prior my XXXX XXXX, XXXX foreclosure trail day, or postpone my foreclosure trail indefinitely until they are able to process my form XXXX. I will move forward with whatever option Bayview Loan Servicing , LLC ( BLS ) can provide me. I am a XXXX Veteran and working with BLS has made my XXXX much worse. 2. CONTACT INFORMATION : a. This the contact information for my attorney at XXXX XXXX : XXXX XXXX, XXXX, emails : XXXXXXXXXXXX and XXXXXXXXXXXX, phone : XXXX XXXX XXXX XXXX ext. XXXX, fax number ( XXXX ) XXXX, assistant : Paralegal XXXX XXXX, and Law Offices of XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Please refer to CASE # XXXX when you contact the practice. b. Here is the contact information that I have for Bayview Loan Servicing , LLC . : President, XXXX XXXX XXXX, e-mail XXXXXXXXXXXX, phone : XXXX ) XXXX, and fax : ( XXXX ) XXXX, and address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. c. My contact information : XXXX XXXX, XXXX, e-mail : XXXXXXXXXXXX, phone : XXXX, fax : XXXX, and mailing address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Please see next page. 3. EVIDENCE : I have expressed my concern to my attorney or numerous occasions. He has not been helpful. This is the SECOND time I write to the Consumer Financial Protection Bureau regarding this case. Bayview ( BLS ) is acting
03/03/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29708
 Web
In XXXX XXXX, I reached out to Bayview Loan Servicing and requested that the mortgage insurance on my loan be removed. Homes in our neighborhood that were similar to ours were selling for over {$450000.00} and the balance on our account was less than {$350000.00}. When I did not hear from them by XXXX, I again reached out and I was told that they had never received the initial request. I was provided a fax number to send the request to, so this was done on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I still had not received a reply so I again reached out to Bayview and was once again told that no request had ever been received. I was provided the same fax number to send the request to. I sent a third request, along with evidence of the XXXX request and the resulting acceptance by Bayview 's fax machine. In XXXX I received a letter stating that they agreed that my LTV was below XXXX ( 79.9 % ) but they wanted me to pay for an appraisal that would be between {$300.00} and {$1000.00}. I immediately contacted them and asked why it was so expensive and no one could give me an answer. I asked what determined the price of the appraisal and again, no one had an answer. When I asked who would be doing the appraisal ( Bayview or an unbiased XXXX party ), the rep was unsure. I stated that this was not acceptable and that because they also agreed that I was below 80 % LTV, I wanted to speak to a supervisor. She stated that none was available but someone would contact me. When I did n't hear back from anyone, I again called and was told that the " matter would be escalated ''. I have called monthly and each time I call, I am told that no one has an answer for me but the rep will " escalate '' my inquiry. The last 3 times I have spoken to someone, including today, I have been told that my LTV is at 78 % and I have to be at 80 % before they will remove it. I am clearly below 80 % and have been since at least XXXX XXXX. In addition, when I spoke to a rep today in the department that " handles inquiries that have been escalated '', he informed me that my MI can not be removed because I was more than 30 days late on my payment in XXXX XXXX and again in XXXX XXXX. I informed him that this is simply not true. I made some banking errors that caused 30 days lates but those were XXXX24 months ago. He stated that my XXXX XXXX payment was received on XXXX XXXX, XXXX and the XXXX XXXX payment was received on XXXX XXXX, XXXX. After speaking with him, I logged into my account online and printed out a pay history. It clearly shows that the XXXX payment was made in XXXX and the XXXX payment was made in XXXX Bayview has done everything they can to get out of removing this MI and this seems to be another way to avoid it. According to my loan modification, the MI was scheduled to be removed on XXXX XXXX, XXXX. We are now in XXXX XXXX and I am still fighting to get them to remove it! In addition, I received a letter from Bayview from XXXX XXXX with information about recasting my loan. This is NOT something I am interested in, so per the instructions, I did nothing. A month later, I received first a letter stating I had asked for a loan modification. When I called and questioned this, I was told that there were no notes in the system so it must have been sent in error. Twelve days later, I received another letter stating that my loan could not be recast because they had not received my information in time. When I again questioned this, I was told ( again ) this was an error. The next day, I received ANOTHER packet with information about a loan modification.
02/12/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 33029
 Web Older American, Servicemember
Complaint Number XXXX Good morning, On XXXX XXXX, XXXX, I my attorney and I sent all the documents concerning our Loan Modification to Bayview Loan Servicing , LLC. Our contact person at BLS was Mrs . XXXX XXXX. My attorney, Dr. XXXX, faxed the signed documents to BLS. She then called BLS immediately to ensure that they had all the documents they needed to execute the mortgage contract. I was with my attorney on the line when she was on the phone with BLS. I heard when the BLS person she was speaking to told her that the paperwork was in order. My attorney followed up by mail the original documents to BLS. As few months later, my wife, XXXX XXXX, received a call from Mrs. XXXX at BLS telling her that we had to resubmit a new Request for Mortgage Assistance because the mortgage contract that we signed was invalid due to an error that BLS made. My wife asked Mrs. XXXX ( BLS ), to correct the documents that had the errors and send them to us. Mrs. XXXX told me that she did mail the documents and that they were not returned in time. XXXX XXXX asked Mrs. XXXX, " Who signed for the delivery of the documents? '' Mrs. XXXX responded, " No one. '' She told my wife that she was sure that we received them. We never received the corrected mortgage documents from BLS. BLS has our contact information : cell phones, email, fax, and mail. If the documents were in fact mailed to us, they were delivered to the incorrect address. Furthermore, we never knew that BLS was missing any documents until Mrs. XXXX called my wife to inform her that we had to submit a new Request for Mortgage assistance. By that time our bank had already sent {$16000.00} in mortgage payments. XXXX XXXX negotiated a new home insurance premium with XXXX. Therefore, XXXX returned to BLS {$6400.00} in overcharged home insurance premium so that they could add back into our escrow. As of today XXXX XXXX, XXXX, no one at BLS has acknowledged that they have received the {$16000.00} in mortgage payments or the premium reimbursement check for {$6400.00}. We have already contacted BLS and still have not heard back from them. On Saturday, XX/XX/XXXX, I was awoken by law enforcement to sign for a subpoena. I must go to court on Thursday, XX/XX/XXXX to fight a home foreclosure. I have been working with both XXXX and BLS since XX/XX/XXXX to solve this situation. Every time I believe that the problem is solved BLS comes up with something else to prevent us from keeping our home. It seems like they are making money by keeping us in this situation. Bayview Loan Servicing , LLC. ( BLS ) has engaged in this type of inappropriate and malevolent behavior since day one. We never receive the important documents that they claim to send to us. They also do not acknowledge the receipt of the documents, payments, and checks that we send to them. I have contacted the CEO of BLS on this issue on more than one occasion. Nevertheless, this unconscionable behavior is a very well-established Unfair Business Practice at BLS since XXXX. Mr. XXXX, the former CEO of XXXX is now the CEO of BLS. XXXX was known as the " XXXX XXXX '' of the mortgage servicing industry. We sent {$23000.00} in electronic payments and checks to BLS during XXXX. As of today, no person at BLS has acknowledged that they have received this money I made Dr. XXXX XXXX aware of this situation as soon as he was assigned this case by XXXX XXXX. I appreciate any assistance that you can provide in keeping my home. I do not want to end up as a homeless Veteran on the street. Thank you. Very respectfully, XXXX XXXX
02/12/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • FL
  • 33029
 Web Older American, Servicemember
Good morning, On XX/XX/XXXX, I my attorney and I sent all of the documents concerning our Loan Modification to Bayview Loan Servicing , LLC. Our contact person at BLS was Mrs. XXXX XXXX. My attorney, Dr. XXXX, faxed the signed documents to BLS. She then called BLS immediately to ensure that they had all of the documents they needed to execute the mortgage contract. I was with my attorney on the line when she was on the phone with BLS. I heard when the BLS person she was speaking to told her that the paperwork was in order. My attorney followed up by mail the original documents to BLS. As few months later, my wife, XXXX XXXX, received a call from Mrs. XXXX at BLS telling her that we had to resubmit a new Request for Mortgage Assistance because the mortgage contract that we signed was invalid due to an error that BLS made. My wife asked Mrs. XXXX ( BLS ), to correct the documents that had the errors and send them to us. Mrs. XXXX told me that she did mail the documents and that they were not returned in time. XXXX XXXX asked Mrs. XXXX, " Who signed for the delivery of the documents? '' Mrs. XXXX responded, " No one. '' She told my wife that she was sure that we received them. We never received the corrected mortgage documents from BLS. BLS has our contact information : cell phones, email, fax, and mail. If the documents were in fact mailed to us, they were delivered to the incorrect address. Furthermore, we never knew that BLS was missing any documents until Mrs. XXXX called my wife to inform her that we had to submit a new Request for Mortgage assistance. By that time our bank had already sent {$16000.00} in mortgage payments. XXXX XXXX negotiated a new home insurance premium with XXXX. Therefore, XXXX returned to BLS {$6400.00} in overcharged home insurance premium so that they could add back into our escrow. As of today XXXX XXXX, XXXX, no one at BLS has acknowledged that they have received the {$16000.00} in mortgage payments or the premium reimbursement check for {$6400.00}. We have already contacted BLS and still have not heard back from them. On Saturday, XX/XX/XXXX, I was awoken by law enforcement to sign for a subpoena. I have to go to court on Thursday, XX/XX/XXXX to fight a home foreclosure. I have been working with both XXXX and BLS since XX/XX/XXXX to solve this situation. Every time I believe that the problem is solved BLS comes up with something else to prevent us from keeping our home. It seems like they are making money by keeping us in this situation. Bayview Loan Servicing , LLC. ( BLS ) has engaged in this type of inappropriate and malevolent behavior since day one. We never receive the important documents that they claim to send to us. They also do not acknowledge the receipt of the documents, payments, and checks that we send to them. I have contacted the CEO of BLS on this issue on more that one occasion. Nevertheless, this unconscionable behavior is a very well established Unfair Business Practice at BLS since XXXX. Mr. XXXX, the former CEO of XXXX is now the CEO of BLS. XXXX was known as the " XXXX XXXX '' of the mortgage servicing industry. We sent {$23000.00} in electronic payments and checks to BLS during XXXX. As of today no person at BLS has acknowledged that they have received this money I made Dr. XXXX XXXX aware of this situation as soon as he was assigned this case by XXXX XXXX. I appreciate any assistance that you can provide in keeping my home. I do not want to end up as a homeless Veteran on the street. Thank you. Very respectfully, XXXX XXXX
05/03/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98684
 Web
In XXXX XXXX I received a letter from my current mortgage servicer stating my Hamp modification ( completed in XXXX XXXX XXXX ) had overpaid me {$7000.00} and a correction is required. I called the company twice unable to reach the asset management ( and the employees I spoke to at customer service were unable to answer my questions ) due to hours of operation and one person said they emailed asset management for me. Upon the third call I was put on hold and told my loan had previously been modified again and that is why they overpaid me and that no asset manager had been assigned my case. I asked to speak to a supervisor and was told they were unavailable. I let them know at that time I would be filing a complaint with consumer finance. When I received my XXXX statement my loan was current, however when I check my loan details on line I see Bayview loan servicing my mortgage company has already added the {$7000.00} back onto my loan. If I had known this would be the outcome of my HAMP modification which started in XXXX XXXX XXXX I certainly would have taken a different approach like refinancing to a much lower interest rate than I have now which is currently XXXX %. I ca n't believe this is even legal, each of my mortgage statements continued to say my HAMP modification was modified/active.I received a reduced interest rate in XXXX from XXXX to XXXX % at which time the paperwork stated the only thing changing was basically the interest rate ( nothing mentioned this would void my HAMP modification in any way. I continued to receive a {$1000.00} credit each year and an additional {$5000.00} credit on year XXXX anniversary which was XXXX XXXX XXXX . I contacted Bayview loans in XXXX XXXX XXXX stating I should have received my {$5000.00} XXXX year credit in XXXX XXXX XXXX at which time they did a full review of my loan and gave me the {$5000.00} credit, amazing how now 19 months after the completed modification they are saying there was an error and they overpaid us {$7000.00}. Interest rates have certainly been much lower than XXXX % and the reason we have stuck with this loan was to complete the modification and receive the credits we were promised, had other information stating we would only receive {$3000.00} total been disclosed back in XXXX or XXXX we certainly would not have continued with this mortgage and would have pursued another refinance. I believe this is outright mortgage fraud, I 'm not sure how the government compensated mortgage companies for HAMP but it 's ridiculous to think Bayview loan servicing can just decide to tack {$7000.00} back on to our mortgage 19 months after a six year modification was completed. Why would we have ever done a modification if that were the case, in the long run this will cause us to owe more than we would have without the modification.Obviously these companies think they can just play with peoples finances without any consequences. We have paid well over $ XXXX a year to this mortgage company just in interest. $ XXXX is where we started out in XXXX and are only now at XXXX with {$7000.00} added back in. We 've paid well over {$20000.00} in interest annually. I am so angry that they think they can just simply decide to add that money back in because they supposedly made an error. I will attach my supporting documents and look forward to a favorable outcome in this investigation. Please contact me with any questions.
01/13/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 342XX
 Web Older American
We completed a loan modification to our mortgage loan owned by XXXX XXXX, and serviced by Bayview Loan Servicing L.L.C,. on XX/XX/XXXX. Since that time we have paid our mortgage on time. However, we received a mortgage statement XX/XX/XXXX from Bayview Loan Servicing LLC that included a charge for what was described as " XXXX '' in the amount of {$2800.00}. This was the first time this charge was present on our mortgage statement. I began a process of calling Bayview Loan Servicing LLC to discuss the charge on XX/XX/XXXX and per their instructions followed up the call with a letter ( s ) outlining my desire to get information regarding what the charge represented, when it was actually incurred and asked for documentation that validates their right to charge that amount to our mortgage balance. After months of back and forth I finally received a letter on XX/XX/XXXX that was dated XXXX XXXX, XXXX explaining that the charge was for legal fees and costs associated with our loan modification that was dismissed on XX/XX/XXXX. While they provided paperwork showing when the charge was incurred, and outlined what the charge was for, they never provided documentation proving they had the right to make the charge. Coincidentally, the charges for attorney fees and costs were charged to our mortgage account the same day our Notice of Dismissal regarding our modification was filed. The attorney that represented us for the loan modification has reviewed their response and forwarded to me a copy of the Plaintiff 's Notice of Voluntary Dismissal Without Prejudice and Discharge of Lis Pendens dated XX/XX/XXXX. That notice clearly states that '' each party is to bear its own attorney fees and costs ''. I have forwarded this information to Bayview Loan Servicing LLC, to the attention of the Customer Advocacy Department requesting that this charge be removed immediately. Upon calling today I was told by their representative that the information that I emailed and faxed could not be accessed by her and that it would likely not be looked at until next week at the earliest. I explained to the representative of Bayview Loan Servicing LLC that this has been ongoing for many months as could be seen by our file and that the urgency of our request now is due to the fact that we have sold the property attached to this mortgage and have a closing on XX/XX/XXXX. If this issue is not resolved before that date we will have to pay this charge as part of the payoff of our mortgage and then fight after the fact to recovery the their illegal charge. My experience with Bayview is that everything takes months to conclude and that they are reluctant to ever send actual documentation that we requested. The only reason this has taken this long to actual understand what the charge represented is because they did not address my original request for information made XX/XX/XXXX until XX/XX/XXXX, and did not deliver to me a letter explaining the charges until XX/XX/XXXX. There is no doubt that we do not owe the legal expenses and costs they have charges our account. They should have had a copy of the Notice of Voluntary Dismissal in their file and should have never charged these fees to our account. It is ridiculous to believe that they will act any time soon to resolve this issue without being forced to do so. Therefore, per my attorneys advise, I am filing this complaint to get our issue on the record and hopefully force Bayview Loan Servicing LLC to quickly rectify the issue. Thank you.
04/30/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • NJ
  • 07017
 Web Servicemember
I had a water pipe break in my kitchen back in XXXX XXXX it flooded the kitchen and the room below which is the basement. I called my insurance company to report the damages. my insurance company is XXXX. They were very quick and helpful in getting an adjuster to come out and give an estamate a check was issued few days after the estimate was approved by myself. the check was for {$19000.00} and because of this the mortgage company was involved. and where my problems got worse. Bayview Loan Services was contacted and informed of the situation and i was told I had to file a claim with them. I had no objection as I wanted to get my house back to normal. I was first given choice to use a XXXX contractor. I informed the rep that i already had a contractor who has already started to demolish the affected areas. During the interview the call dropped. I waited for the person to call me back to finish taking my questions and giving me the information I needed to get the work started. XXXX minutes went by so I called back only to be told she was on another line helping other callers. How can she do that when she was not done with me? The rep says she will give her the message to call me back. I did not get a call back so the next day around XXXX I called back and was connected to yet another rep from the same office or location. She was able to help me with the rest of the information and sent me the paper work to get started. Two days after the first rep whom I was talking to when the call dropped called back to say she just got a chance to look at my claim. wait i asked her did you just now get a chance to return my call. I was very upset to say the least. What am I to expect if this person will be handling my claim she already do not believe my claim was important enough to call me back right away. I do not want you handling my claim I told her. The next few days got me emailing and calling trying to get the first check to start the repairs. After getting the feeling I was not having my questions answer regarding the company 's policies I asked to speak to a supervisor I was put on hold and then given a voicemail because he was n't available. I left him a message and waited for a return call. that was XXXX weeks ago. no call back from anybody. I called again on the 10th day four weeks after I started the claim with Bayview. what is the statue of the claim I asked. we just mailed the first of XXXX checks out today friday XX/XX/XXXX. This is again I know was done deliberately and by the coworkers of the the first rep. I asked to speak to a supervisor to complain about the length of time it is taking to repair my house. When the supervisor came on the phone he was already frustrated and it was n't until I started going off on him in regards to the treatment I have received from the first rep that he admitted he got my message and choose not to return my call. This irritated me even more a supervisor that does not care how would I be able to get help from those working under him. So my filing this claim with this bureau is in hopes of getting this process sorted out much faster than bayview is doing. The lost was to the kitchen not a fence out in the yard. I have a XXXX year old in my house. I have to clean dishes and the baby 's stuff in the bathroom. While they are playing games and delaying the funds. The company and the employees are not doing all that can be done to resolve this issue and its more of when we get to it we will take care of it.
02/10/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 77339
 Web Servicemember
We purchased a home via a VA Loan ( XXXX ) XX/XX/XXXX. When we closed on the home we paid for XX/XX/XXXX home owners insurance in 1 lump sum payment, paid 75 % of the upcoming estimated county taxes, and then requested/set up a separate a prepaid escrow account that would cover the taxes for the year. We ( us/lender ) agreed my husband and I would cover the principle and the remainder of the payment would be drawn from the escrow account. We set this up specifically due to XXXX of XXXX of our children to ensure we would be able to afford both medical expenses and not have to worry about falling behind. Our mortgage was sold soon after, and we continued to pay what we initially agreed to for the next 3 months, assuming the agreement would carry over. XX/XX/XXXX, our payment was deny ( bill pay ) stating the reason as 'no such account '. The payment was setup after closing and never change. All previous payments were sent and received on that account without issue. I called XXXX and no one was able to tell me what the problem was for 4 days. When I called back to see what was going on. I was told that XXXX would no longer honor the agreed upon payment amount ( even after I sent them the emailed discussion with the lender stating the agreement ) and I needed to make the full payment this month and every month going forward. I made the full payment for XX/XX/XXXX and then requested ( by phone, email, and letter ) that our escrow account be closed and sent back ; since the agreement would not be honored and we could use those funds to help with the payment. XX/XX/XXXX ( full ) payment was received and held by XXXX, but never applied to our loan. XX/XX/XXXX we were notified of the XX/XX/XXXX payment return, stating we owned XX/XX/XXXX-XX/XX/XXXX missing payment amount ( {$500.00} per month x3 = ~ {$1500.00} ) before they would accept any further payments. Well, we have a terminally ill child and had nothing extra due to his medications/expenses. I asked them about the escrow account and if they would draw from there. I was told no and then I was told they never received my escrow account request. Yet, I have the email read receipt. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments were also held for a time and then returned. The problem concatenated before we realized what was happening. XXXX was unwilling to work with us, unwilling to tell me who our lien holder was when asked on 3 separate occasions and when XXXX XXXX taxes came due, they held off on paying them until XX/XX/XXXX. They were due XX/XX/XXXX. I have XXXX delinquent notices with late fees. Payment for the late fees wan never made by XXXX. XXXX enacted Bayview Loan Servicing to assist with collecting payment or hardship assistance. In XXXX, we applied for a loan modification through Bayview as outlined in their letter. XX/XX/XXXX, we received a request for add'l information ( due by XXXX/XXXX/XXXX ). The information requested was sent back by the due date ( emailed using the submittal instructions and email listed on their website ). Yet, today is XX/XX/XXXX, and I have yet hear any response or status update ( no call, no email, no letter ... ). I have n't been able to speak to our correspond with a single person in regards to this matter since applying XX/XX/XXXX. When I call, my name/number are taken. When transferred to voicemail, Im asked for a mailbox number to retrieve my messages. My emails go unanswered. Today, I returned home from my sons XXXX to a foreclosure notice.
07/29/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
Bayview Loan Servicing has approved us for an in-house modification ; however, before the permanent modification can be approved we must make three trial payments. Bayview Loan Servicing sent paperwork stating that the XXXX trial payments must be paid by the XXXX of each month with no grace period. Therefore, we are also confused as to why our Asset Manager, XXXX XXXX of Bayview Loan Servicing LLC, is stating the trial modification payments have to be made on the XXXX and XXXX of each month and contradicts the in-house modification paperwork Bayview Loan Servicing Hamp Escalations Department sent stating payments could be made on the XXXX of each month. On XXXX XXXX, 2016, our Asset Manager, XXXX XXXX, indicated, that if we make the trial payments on the XXXX of each month that Bayview Loan Servicing would consider our payment late, because the payment must be processed by the XXXX of each month and therefore the trial modification payment must be made by the XXXX or XXXX of each month. Therefore, I would appreciate if my Asset Manager, XXXX XXXX, and the Hamp Escalations Modification Department could alleviate this confusion by clarifying to me, is the payment considered late, if the payment is made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as stated on the Loan Modification paperwork. ( SEE EXHIBIT XXXX ) This confusion also comes at a time that I am dealing with a hardship of a XXXX husband and a crisis in my family of a funeral at the same time. I am trying to make sure I am successful with the trial payments on the in-house modification. This is so that I can make sure we are approved for the permanent modification. On the other hand, it seems that although Bayview Loan Servicing has approved us for an in-house modification that we are also being set up for failure with regards to the trial payments so that Bayview Loan Servicing can deny us for the permanent modification ( WE ARE DOOMED IF WE DO AND DOOMED IF WE DO N'T! ). If we did n't sign the modification agreement then the foreclosure would have continued. Our Asset Manager, XXXX XXXX, indicated on XXXX XXXX, 2016, if we make the payment on the XXXX of each month, the payment will not be processed on time and will be considered late. If a payment is late during the trial modification we will be denied a permanent modification. On XXXX XXXX, 2016, I stated to my Asset Manager that I do n't receive my checks until the XXXX of each month. My Asset XXXX, XXXX XXXX, stated to me that Bayview Loan Servicing could n't wait until the XXXX of each month for the payment to be made. I then stated to my Asset Manager, XXXX XXXX, that I would make the trial payment on the XXXX of each month. My Asset Manager, XXXX XXXX indicated to me that even if I make the trial payments on the XXXX of each month that the payment would be considered late by Bayview Loan Servicing because it would n't be processed in time. Through this entire ordeal it seems the only person that had been consistent after I filed a complaint with Consumer Financial Protection Bureau had been my Asset XXXX XXXX XXXX, this is why we took the conversation seriously on XXXX, XXXX, 2016. Finally, I would appreciate if my Asset Manager, XXXX XXXX, and the XXXX XXXX XXXX Department could alleviate this confusion by clarifying to me, is the payment considered late, if the payment is made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as stated on the Loan Modification paperwork. Thank you for your time and trouble.
08/17/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34759
 Web
I received a letter from Bayview Loan Servicing LLC dated XXXX XXXX, XXXX requesting mortgage payment from me and monthly statements hereon. I inform Bayview that I have no business with them, my loan is paid off with the original lender " XXXX dba XXXX '', its successors and/or assigns. I spoke to XXXX XXXX on XXXX XXXX, XXXX by email and phone, from the title company who close my loan and she confirmed that the loan was paid off. XXXX contact information ( XXXX. phone XXXX. I do not have a loan with Bayview or Bayview representing XXXX, they are attempting to collect a debt on the basis of fraud! I have requested a debt validation from bayview by sending them a Qualified Written Request ( QWR ) and CEASE and DESIST on XXXX XXXX, XXXX, requesting all information about this loan from start date to the date of the QWR, including a complete and itemized statement of mortgage, a copy of the Pooling and Servicing Agreement, Mortgage default insurance, assignment, Cusip # and Loan level data etc. Bayview servicing loan was advised that certain documentation was requested to make a physical inspection and enable the me to verify and Witness the same in order to prepare a defense that I may study all evidence regarding this matter within 60 days. As this request has not been Honored ... A complaint is being submitted for Bayview loan servicing to stop attempting to collect a debt on the basis of fraud! I believe my account is in error for the following reasons. My loan was securitized and the default insurance mortgage executed by me for the loan XXXX XXXX, XXXX. The Bank need to record a Satisfaction of mortgage, which indicates that all of my obligations associated with this mortgage have been fulfilled ( fully paid on or after XXXX XXXX of allaged default of debt ) by the default mortgage insurance on my mortgage agreement XXXX of XXXX, letter ( O ) and that the lien on the property should be lifted ... The mortgage services are required to fully answer all these questions on my QWR within 60 days from the date they received. The bank created a false '' loan '' ( computer Credit ) with funds created from thin air by my signature, proffited by monetizing it 10 times at my expense then failed to set off as required by law. The RICO statues, Mail fraud and Racketeering may apply for this fraud they perpetrate. This is an investment contract that they are holding me liable for, under the Statue of Frauds. Bayview is in violation of federal Fair Debt Collection Practices Acts ( FDCPA ), SEC federal securities and violation of Real Estate Settlement Procedures Act ( RESPA ) Bayview has caused me mental, emotional distress and suffering. The mortgage is simply a security agreement which I signed fraudulently because they failed to disclose. Read 15 U.S.C. 78c Section 10 ; Swap agreement shall be void and of no force or effect. Although these disclosures were required to be given to the me, not less than three days prior to the closing of the transaction ( 15 U.S.C. 1639 ( b ) ( 1 ) ), they were not. Because the disclosures mentioned I would for this matter to be investigated for loan fraud conspiracy. I have attached the XXXX, other correspondences between Bayview and myself. I look forward to your reply and a resolution to my problem. Please contact me at the above address email XXXXXXXXXXXX or by phone at XXXX. Your prompt attention is appreciated Sincerely, XXXX XXXX. Thanks!
09/14/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MA
  • 01880
 Web Older American
There are essentially XXXX areas of this complaint. Both have to do with what is now a IMMINENT foreclosure action taken by the current servicer, Bayview Loan Servicing, on behalf of XXXX XXXX as Trustee for the XXXX XXXX XXXX Pooling and Servicing Agreement. I. The First Area:1. Refusal by Bayview Loan Servicing to provide a full accounting as requested ( see attached document ) 2. Failure to comply ; Lack of and/or incomplete response for Notice of Error section 1024.35. [ 6 ] A3. Non Compliance with Notice of Error and Request for Information4. An accurate loan payoff balance despite repeated requests over thirty-two ( 32 ) months5. Failure to reflect/account for all partial payments made under executed Forbearance agreements by previous servicer6. Failure to provide an accurate payoff balance amount upon a borrower 's request in violation of section 12 CFR 1026.36 ( c ) ( 3 ). There 's an approximately {$100000.00} dollar difference between their current outstanding balance and mine, which as yet to be accounted for despite on-going requests since XXXX. 7. Failure to conduct a reasonable investigation8. Failure to comply with borrower 's authorized agent request for information, QWR, Notice of Error Failure to respond to requests as presented and instead reply with a red herring having nothing to do with the error or request Knowingly falsely changed the basis of the borrower 's request to be outside the regulations ' requirement for compliance by suggesting it was about the validity of the loan Failure to reply to my response, corrections, etc. to their initial response Failure to reply according to specific Reg X regulations including but not limited to the following : If the borrower sends a notice of error under section 1024.35 ( b ) ( 6 ) asserting that the servicer has failed to provide an accurate loan payoff balance following a request made under Regulation Z section 1026.36 ( c ) ( 3 ), [ 48 ] the servicer must respond within seven days ( excluding holidays, Saturdays, and Sundays ) after receiving the notice. II. The Second AreaFailure to reply to second submission in CFPB Complaint # Case number : XXXX. Bayview only provided a partial ( and incorrect ) response on XXXX. Bayview provided the following response on XXXX/XXXX/XXXX as follows : '' Complaint will be reviewed and a response is forthcoming. " 3. Despite not receiving the promised forthcoming response from Bayview, CFPB closed the claim giving its stated " Explanation of closure '' dated XXXX/XXXX/XXXX as follows : " Please see our attached response regarding case # XXXX. Thank you! " The referenced " attached response '' was the partial ( and incorrect ) response per 1. of this section above but the CFPB closed the complaint without having waited for the promised " forthcoming response. " 4. I received no " forthcoming '' response as stated despite thirteen ( XXXX ) written requests they do so5. I did not hear anything having to do with either the CFCP referenced complaint above ( or my direct continued requests for information and notice of errors ). 6. The first correspondence received from Bayview Loan Servicing regarding the status of the account was n't received until XXXX XXXX - eighteen ( 18 ) months after their promise of a forthcoming response dated XXXX/XXXX/XXXX. It was Notice to Accelerate. To date I 've received no further communication from Bayview regarding Case number : XXXX
10/23/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OK
  • 73110
 Web
On XXXX/XXXX/15 I faxed my ACH form to XXXX XXXX 's direct fax # with Bayview Loans. Come XXXX/XXXX/15 I noticed that the ACH iao {$850.00} had not be completed. I placed a call and left a voicemail for XXXX XXXX and explained I had faxed this over to him and I do not see the payment being debited. I never received a return call. I then went on Bayview Loans website and processed a payment iao {$770.00} from my joint bank account, which is what the ACH should have been set up for. On XXXX/XXXX/15 I was checking my bank accounts and I noticed that my individual bank account had been debited for the amount or {$770.00} and was in a negative status. I never authorized a payment to be debited from my individual acct. The payment that I processed on the website had debited my joint account. but the ACH for {$850.00} never processed at all. I immediately contacted Bayview Loans and spoke to XXXX in Customer Service. He was very rude and did not listen to me. It was the worse service I have ever received. I asked for a Manager, he told me he was transferring me to XXXX, but I then received a voicemail, which I was not informed of, and it was the voicemail for a woman. I then placed another call to XXXX XXXX and left him a voicemail. He did call me back and explained that I should fax him a letter of what occurred and copy of my bank statement, which I did on XXXX/XXXX/15. I called back on XXXX/XXXX/15 to make sure that the fax was received. XXXX explained that everything was received and had been forwarded over to his manager to be corrected. I then placed a phone call again XXXX/XXXX/15 and no return call. I called again on XXXX/XXXX/15 to XXXX and received a call back and explained that his Manager had all the info and that the wire to my account iao {$800.00} for cover the payment and the {$22.00} overdraft charge has been approved and would be completed by the end of the week. Come XXXX XXXX/XXXX/15 I still had not received the funds and I placed a call to XXXX again and left a voicemail. I also placed a call to XXXX 's manager and never received a call back from his manager. XXXX did call back and stated that I should have the funds by Tuesday or Wednesday XXXX/XXXX/15 or XXXX/XXXX/15. I still did not receive the funds. I placed a call on XXXX/XXXX/15 to XXXX, who left me a voicemail that the funds would be in my account by XXXX/XXXX/15 in the morning. I still have not received these funds. Through all of this my Car payment iao {$470.00} and Car Ins Payment iao {$190.00} have both been returned. I have received numerous overdraft fee 's at {$22.00} for each one. My paycheck on XXXX/XXXX/15 which is direct deposited went to cover the Negative balance of my account, and then all the other payments have caused the negative and returned payments again. This has caused a serve hardship for me. What I believe actually happened, is when I called and left a voicemail for XXXX on XXXX/XXXX/15 about the ACH, that he went and processed the payment through the account I previously have used to make payments. But he did this with out my authorization for the XXXX/XXXX/15 payment. I am a customer service manager for XXXX XXXX XXXX Mortgage company and I am well educated on the processed and laws. I believe that this is a fraudulate act to process a payment with out authorization to cover the mistake of not following through with the fax that was sent for the ACH on XXXX/XXXX/15,
08/18/2015 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NC
  • 279XX
 Web
I declared XXXX XXXX bankruptcy in XXXX XXXX and the bankruptcy was fully discharged in XXXX XXXX. The primary reason for declaring bankruptcy was the XXXX mortgage on my former primary residence in WY, and the deficiency resulting from a severe decline in property values. The loan and any deficiency was included in my bankruptcy filing and discharged with the bankruptcy. The original creditor was XXXX XXXX XXXX, then XXXX, with loan servicing maintained by XXXX XXXX XXXX XXXX XXXX, to the best of my knowledge. In XXXX XXXX, on the advice of XXXX separate attorneys and with their help, I deeded the property back to the creditors, with a deed drawn up by an attorney and filed by said attorney with the local record of deeds office in WY. Since the lenders had taken no steps to claim the property after more than XXXX months after filing the bankruptcy, and I was required to surrender the property to the lenders per my bankruptcy agreement, the attorneys advised me to take these steps. In XXXX XXXX, I received a letter from the original lender and loan servicer, XXXX XXXX XXXX XXXX XXXX, informing me that the loan in question would be transferred to a new servicer, Bayview Loan Servicing , LLC ( " Bayview '' ). In XXXX XXXX, Bayview began contacting me via phone, mail, and certified mail, with requests to pay its loan that had been discharged in my bankruptcy. They sent demand notices, Making Home Affordable paperwork ( which is ironic, because I spent about XXXX years trying to use the Making Home Affordable program prior to declaring bankruptcy as a last resort - I just picked up another Making Home Affordable notice from Bayview, sent to me via certified mail, today ), notice of insurance placed on the property, statements of account, etc. I spoke to representatives on the phone on several occasions and explained the situation, and let them know that they were violating the Fair Debt Collection Act and federal bankruptcy law by contacting me. In addition I sent a certified letter to Bayview on XXXX XXXX, XXXX, explaining the situation and providing a copy of the bankruptcy discharge. The contact stopped for about XXXX months, then began again in XXXX XXXX, with similar contacts continuing on a regular basis. In XXXX XXXX I realized that Bayview had put a defaulted loan on my credit reports with the XXXX credit reporting agencies. I contacted the credit reporting agencies and had Bayview 's reports removed from my credit reports with all XXXX agencies. The Bayview contacts subsided for awhile in XX/XX/XXXX and began again in XXXX XXXX, at which point they increased in intensity, occurring regularly through yesterday. Again, I have spoken to a representative on several occasions, explained the situation, emailed documents to him, asked him to resolve the situation on his end, and explained that Bayview is violating the Fair Debt Collection Act and federal bankruptcy law by continuing to contact me. The contact continues. I spoke to an attorney 's office in my area yesterday, who advised me that my best course of action to make this stop is to file a complaint with the Consumer Financial Protection Bureau. I would be very grateful for any help you can give me in resolving this matter. It has been going on for four years, is emotional and disheartening for me and my family, and I would very much like to put it behind me. Thank you in advance for your time and help.
04/14/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Application, originator, mortgage broker
  • CT
  • 069XX
 Web
Bayview Loan finding doesNOT legally own my loan. My initial loan was originated by XXXX XXXX XXXX XX/XX/XXXX. On XXXX XXXX, XXXX ( one day before my FIRST mortgage payment was due I was sent a certified letter stating that I should not sent my payment to the address that was originally provided to me. I had quite obviously already sent my mortgage payment which was due on XX/XX/XXXX. I continued paying Residential Home Funding through XX/XX/XXXX, not knowing I had bee sold to a servicer AND bank that both ceased to exist. XXXX and any transfer of ABS was not made until XXXX XXXX. XXXX when I was served with foreclosure papers by XXXX, XXXX XXXX XXXX. Both the NEW assignment of mortgage note and the forclosure were under the name XXXX, with XXXX as the servicer and holder of my note, despite proper documentation being drafted some 7 months AFTER I had bee sold. Despite proving that I had continued to pay XXXX and then began paying XXXX, no knowing it was a deceased entity, no corrections were made to my balance, despite countless hours of calls and faxes proving I had always paid on time, but to the wrong company. This was never corrected and I was charged insurmountable fees and charges. Simultaneously my servicer and Note were sold yet again to XXXX XXXX XXXX, but with the note holder being XXXX. As XXXX and XXXX were intact deceased entities they did not properly and timely assign my mortgage to XXXX XXXX XXXX. Unbeknownst to me, I was yet AGAIN paying the wrong company and proper accounting never took place. I completed nearly 1/2 dozen HAMP, HOPE, and various loan modification documents for mediation with yet another forclosure mill, XXXX, XXXX, XXXX. After the first meeting, showing up to the second meeting where no one other than I showed up, I was never contacted again. XXXX never contacted me again and my foreclosure was mysteriously withdrawn. I should also note that ( more than 7 YEARS passed AFTER I, my note and servicer had been sold to XXXX and the " note holder '' XXXX ) and the XXXX paperwork was filed. This was also signed and transferred illegally via illegal XXXX documents that were filed within 6 days of my submission of a qualified Written Response. The actual transfer of my loan to XXXX was a document riddled with fraud as literally every signature on the document was a " known robosigner '' and in fact the notary is currently in Federal Prison for white collar crime. The fact that the first assignment of my loan to XXXX was illegal, XXXX York, XXXX, etc, have NO STANDING to represent a foreclosure upon my home and loan. In fact none of them ever legally owned it in proper. I therefore find it incredulous that ANY of the above parties have any standing in claiming that they are a servicer, much less the holder of the note and therefore can not execute a legal foreclosure upon my home. The loan, from inception, was Predatory in nature, which effectively removes XXXX XXXX XXXX from benign a place of standing for foreclosing upon my home. In reviewing and researching cases and the illegal activities of any and all of the aforementioned parties, I do not feel that any one of them are legally entitled to execute a foreclosure, as each and every one of the banks, servicers, lawyers and origination lender have ALL been a party to this continual violation of TILA, RESPA violations and Fraud upon myself and upon the Superior Court of XXXX, XXXX.
11/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95648
 Web
Hi, I can not get a hold of anyone at this company. As soon as I input my loan number in the automated phone system when asked to input my loan I do so and the phone system hangs up on me. I have tried this numerous time and can never get a hold of anyone. I spoke to a friend who has the same company Bayview Loan Servicing and he said he always gets someone on the line after inputting his loan number in the automated phone system when asked. Bayview Loan Servicing has violated my Homeowner Bill of Rights. I have a very urgent matter once again due to a foreclosure sale on XXXX. FOR A LONG TIME NOW IM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home
01/01/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
IMPORTANT NOTE : If I was able to contact my Asset Manager, XXXX XXXX or her supervisor my first line of complaint would have been through the chain of command with Bayview Loan Servicing ; however, I can provide over XXXX voicemail messages left for Asset Managers and have received no phone calls in return. Furthermore, I can also provide emails written to my Asset manager returned in error to my email. Moreover, now due to my file being flagged for dual tracking and for Bayview Loan Servicing directing their employees not to provide me with Asset Manager 's contact information, I have no choice but to file with the Consumer Financial Protection Bureau and protect my rights. BAYVIEW LOAN SERVICING EMPLOYEE XXXX RIDICULES XXXX WOMAN AND REFUSES TO GIVE HER ( SINGLE POINT OF CONTACT INFORMATION ) ASSET MANAGER 'S SUPERVISOR 'S SUPERVISOR 'S PHONE NUMBER OR EMAIL. PLEASE LISTEN TO XX/XX/2016, XXXX FILE OF BAYVIEW LOAN SERVICING ASSET MANAGER 'S XXXX PHONE CALL CONVERSATION WITH, ATTACKING XXXX XXXX DUE TO HER XXXX. XXXX STATES BECAUSE HE HAS BEEN THERE SINCE XXXX HE IS TIRED AND FRUSTRATED, HE REDICULES XXXX XXXX BECAUSE DUE TO HER XXXX SHE ASK QUESTIONS MORE THAN ONCE. BAYVIEW 'S ASSET MANAGER XXXX BECAME SEVERELY ANGRY AND COMBATIVE WHILE REFUSING TO GIVE XXXX CUSTOMER HER ASSET MANAGER 'S SUPERVISOR 'S PHONE NUMBER OR EMAIL. Bayview 's employee XXXX indicates to XXXX XXXX her file is flagged for Bayview Loan Servicing to treat her badly and dual track because Bayview Loan Servicing HAS NO INTENTION OF PROVIDING XXXX XXXX WITH A PERMANENT MODIFICATION. XXXX STATES I WILL ANSWER YOUR QUESTION FOR THE FOURTH TIME, I CA N'T GIVE OUT THE SUPERVISOR 'S XXXX PHONE NUMBER OR EMAIL. In fact, XXXX boldy tells XXXX XXXX to contact supervisor XXXX the following day, indicating XXXX was going to be just as rude and unprofessional with XXXX XXXX because BAYVIEW INTENDS TO DUAL TRACK OUR MORTGAGE and not provide us with a PERMANENT MODIFCATION. It is important to note Bayview Loan Servicing is aware of my hardship and XXXX and my previous Asset Manager, XXXX XXXX, documented my account with my XXXX. XXXX XXXX, knew that due to my XXXX I may ask a question more than once and not be aware of it in fact, XXXX XXXX indicated my file was flagged and any Bayview employee that opened my file would immediately be aware of my XXXX and the fact that my daughter assist me and record conversations from speaker to help me go over directives given to me from Bayview Loan Servicing On XX/XX/2016, I contacted Bayview Loan Servicing and spoke with an Asset Manager named XXXX. I told XXXX I was trying to reach my Asset Manager or my Asset Manager 's supervisor. I told XXXX I received a letter from Bayview Loan Servicing dated XX/XX/2016, stating I had contacted Bayview Loan Servicing and declined a Permanent Modification. I told Chance THE LETTER WAS WRONG I HAVE NEVER CONTACTED BAYVIEW LOAN SERVICING AND DECLINED A PERMANENT MODIFICATION, because I had never received a Permanent Modification. I also indicated to Chance that I had made all three of my trial modification payments ahead of time and that I was going to continue to make my mortgage payments and that I was now going on the 6th payment in the trial. ( The XXXX file attached is only partial audio of XX/XX/2016, phone call due to full complete file is too big to upload to CFPB. )
05/10/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • OH
  • 44310
 Web
Husband had the mortgage since XXXX . XXXX XXXX he was diagnosed with a XXXX XXXX XXXX , so applied for the Obama mortgage ( HARP ) After almost 13 months, it ended up being another form of HARP, I guess. We were never behind nor missed a payment, but qualified because he was suddenly out of work due to illness. XXXX XXXX XXXX modified the loan so we just continued payments with a lower interest.. taxes and insurance was ALWAYS included ( even in original loan which they.. It was either XXXX XXXX or XXXX XXXX ..and the original loan offered insurance of some sort in the event something happened to the home owner, ( my husband ) the home would be paid?? My husband bought that and it was added to the payment. I still have all the paperwork, so I need to look that up.This past XXXX XXXX , Bayview Loan, LLC took over and it 's been very difficult with communications. I got a letter from XXXX XXXX last week stating Bayview did not pay the home insurance and it will be cancelled XXXX XXXX XXXX ( in 5 days ) I spoke to XXXX and XXXX XXXX contacted them but Bayview will not talk to them. I called and sent emails to Bayview and I get different answers, the latest was today from a XXXX on phone that said it was being recorded, which is fine because I did n't understand his reasoning. He states that they are not obligated to pay the home insurance and I told him it was set up to include taxes and insurance /Obama home modification and he said Obama is no longer in office. It 's on their own statement that {$220.00} is for taxes and insurance, {$250.00} is principal, xx is interest. The whole duration we always had it included in the payment, even before Bayview bought this loan. I did n't know the terms can change like this on a 30 yr loan fixed loan. We have never borrowed against the house, nor missed a payment OR LATE. Even during my husbands illness we never were late and I continue to this day to never miss, but this company is not allowing me to pay online or I ca n't access anything. Their email states I need to send his last will and testament and proof I am executor of the estate. I know my husband had an attorney draw up a TOD and filed at the county, so the home is in my name since he passed and I, of course, have continued to make timely payments. I am very concerned about this because the modification agreement has the payments set up for the duration of the loan. It was not a refinance and the only change I see was the interest rate was going to go up a small percentage for the remainder of the loan. I do not see where the homeowner is to pay insurance and if so, why did the loan holder before Bayview pay the home insurance the past 5 years if that was n't in the terms of the loan? I am sure XXXX XXXX did n't pay the insurance for the past 5 years if that was n't in the terms of the agreement. Also, all this looking back into this I recently remembered that my husband had purchased mortgage insurance with XXXX XXXX or XXXX XXXX when he bought the house ( I still have the original loan and will look for it. so that now brings me to another concern and that is, if I can find the original loan and show he paid extra for this insurance, does that not apply or did that get lost in this modification? Thank you for any assistance.
05/20/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • OR
  • 97007
 Web
I have been in the modification process for the last 8 years, with no resolution. My loan started with XXXX XXXX, then XXXX XXXX, and now it is with XXXX. I have had XXXX trial modifications, and XXXX Forbearance agreement. I met all the terms and conditions, making all payments and providing everything they needed. We even have a certificate of compliance showing that we met all the terms required. All of the trial modifications, as well as the Forbearance agreement ended with no permanent modification in the end. This last trial modification that I was in, I was given after I went to mediation with the housing authority and the Attorney representing XXXX XXXX XXXX. I made all the payments required, only to hear at the very end that all of my documents had expired and I needed to submit a new application. In XXXX 2016, I was finally feeling like I was almost done with this whole process and was going to be to have my modification approved. In XX/XX/XXXX, I received a letter that my account manager had changed yet again. After speaking to XXXX XXXX who was my new account manager, he assured me that I was only a few days away from a final approval, that he had everything that was requested and the file was with underwriting. I would call a few days later to follow up and check the status, XXXX would call me back and say, " I am going to email you a document, I need you to white out the date change it to todays date, then email it back to me ''. This has happened about 5 times in the last 4 weeks, but XXXX kept assuring me that we were just a few days away from approval. On XXXX XXXX 2016 I was served paperwork from XXXX XXXX XXXX who is the Attorney that represents XXXX XXXX. The letter said that they were moving forward on the Foreclosure on my home. I called the phone number listed on the document and I spoke to XXXX, who is the Foreclosure manager. When I asked her how they were Foreclosing on me, she stated that she received a denial to my modification dated XXXX XXXX. After about 4 weeks of me contacting XXXX to find out how this happened, and XXXX was trying to contact Bayview to verify there was no denial sent out, she finally admitted that she sent the request to the courts to proceed with my Foreclosure off a letter that was only asking me for additional conditions. She made a mistake, a big mistake. On XXXX XXXX 2016, I came home and there was a notice on my door that my house was going to be Auctioned on XXXX XXXX 2016. I called XXXX that afternoon, but he had already gone home for the day. On Tuesday XXXX finally called me back, and he stated that I had no reason to worry, and that my modification would be approved way before that date. XXXX XXXX is quickly approaching, and I still do n't have an approval. I do n't know how they can auction my home, when the last letter that I received requesting conditions, says that I have until XXXX XXXX 2016 to submit them. Today is only XXXX XXXX. They are duel tracking, which I know is not allowed. I am baffled that I have had multiple trial modifications, met all conditions requested ( I am attaching a certificate of compliance ), and yet I am still at risk of losing my home. Please help me. I have done everything I was asked to do, and have been more than patient waiting for them to get this figured out. I do n't want to lose my home.
09/21/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • WI
  • 53186
 Web
To whom it may concern, Re : Bayview Loan Servicing , LLC & XXXX XXXX XXXX, 2015I am writing this letter in response to your letter dated XXXX, 2015. Your letter claims that I stated that we were delinquent ; which is false and I am disputing this. In fact, I have said since XXXX that we are NOT delinquent and have been asking for this to be resolved since XXXX sold our home mortgage loan to Bayview Loan servicing in XXXX. I called both companies at the time of the transfer of servicing and was told that all of the issue had to do with the transfer of servicing and I needed to wait out 60 days until XXXX and Bayview worked out the transfer of information. I repeatedly asked for information regarding payment processing showing where my payment was applied. XXXX XXXX, 2015 I sent an email to XXXX asking for clarification of my " lost payment '' at the time of the transfer of servicing. The correspondence dated XXXX XXXX, 2015 from Bayview is the first time I am hearing ANYTHING about the payment of XXXX 2015 being applied as the XXXX 2015 payment. The transfer of data between your companies is not something that I should have to wait 5 months to get a clear written response for. I have documented more than XXXX phone conversations where I have requested information, provided you with money order and cashier 's check numbers to prove payments. I am always told by Bayview field agents on the phone " I have noted the account ... please wait 60 days for it to be cleared '' or " I have requested a review of your account '' ... I have called EACH month, sometimes several times each month to have this issue resolved. I have spoken to " Supervisors '' ( XXXX & XXXX XXXX ) and have exuberantly expressed my frustrations of the poor communications regarding this situation to no avail. The many issues I am disputing, pertains to the transfer from XXXX to Bayview in XXXX. First of all, why are we being " sold " to a debt collector instead of another mortgage lender. Secondly, we believe we are current with our payments and have supplied documentation to prove our belief. Our payment was made in person at a XXXX XXXX branch, to XXXX on XXXX XXXX, 2015. I have submitted via fax & email documentation regarding this payment made to both companies. I have further investigated to make certain that this payment was received by XXXX and have confirmed that it cleared on XXXX, XXXX 2015. My account with XXXX was within my grace period for my XXXX payment when the transfer of servicing occurred. As previously stated, that payment cleared XXXX XXXX, 2015 for a payment that I processed XXXX XXXX, 2015. Thirdly, this letter has also been written to dispute the claim that we owe {$10000.00} on a " XXXX mortgage ''. At no time did we sign any documentation for a " XXXX mortgage '' through XXXX or Bay View. The claims by Bay view that we owe money for a " XXXX mortgage '' are FALSE. For whatever reason XXXX bank and Bayview Loan Servicing , LLC have been unable to " fix '' these issues even when sufficient documentation has been supplied. I consider this harassment and undue stress upon my family. I have directed this letter to the Federal Trade Commission for abuse under the Fair Credit Reporting Act and the Debt Collection Act, the Florida & Wisconsin Attorney General 's office, and The XXXX. Sincerely,
12/28/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MD
  • 20876
 Web
I contacted Bayview Loan Servicing who is managing my XXXX XXXX XXXX XXXX Loan in hopes of getting a workout option. In XX/XX/XXXX offered a workout option of a Repayment where my payment would be in excess of XXXX monthly not including the initial down-payment which is something I am unable to afford as a single mom and I quickly alerted my Asset Manager XXXX XXXX. XXXX XXXX stated that there was a new program that was available in XX/XX/XXXX which offered a streamline option so I can get back on track it was perplexing why I was not offered this option. Nonetheless, he submitted my paperwork for this work out option and during that same time stated that my loan was referred to Foreclosure. I am confused if I am being considered for a work out option why was my loan referred to Foreclosure the second week in XX/XX/XXXX. While I strongly believe that XXXX XXXX is doing everything he could there is something wrong with Bayview 's company management of client files. Bayview needs to be investigated for their shoddy practices. I can not sleep at night worried about if my XXXX children and I would be put out on the street. The whole process as me in agony and distress. Please, please help I can not afford to lose my home for my children. My story I was required to go on two Medical Leaves of Absence -- due to complications related to XXXX XXXX XXXX and the XXXX of my daughter in XX/XX/XXXX who was hospitalized in the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, MD awaiting a XXXX XXXX. I had a inordinate amount of legal fees associated with my divorce such as custody, etc. The court record can be found at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have being working diligently in alleviating my monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, XXXX I was able to get free clothing for my children, XXXX Help food and prescription assistance. While I have been the only wage earner I have submitted applications to alleviate our monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, In addition, through XXXX, I was able to get free clothing for my children. I also cut coupons to save on groceries. I still have ancillary expenses related to our daughters medical and XXXX expenses. I am back to work full-time and would like to propose an opportunity to get caught up on my late payments with the debt being repaid over the course of one two years or in a late payment paid in lump sum if funds become available. Please consider lengthening my loan term to 32 years so I can pay back the arrearages now that I am back to working fulltime. If thats not an option please consider reducing my principal to current home market values using my current loan rate. I need my home for the stability my children and a foreclosure would not be beneficial to my community, particularly now that I am able to pay and have resumed working full-time. I, XXXX XXXX XXXX have determined the estimated current property value to be XXXX based on the average values received from : 1. XXXX Lists estimated home values based on recent sales available through public records with the County Clerks Office . 2.XXXX Lists current properties for sale in community and recent sales activity. User is able to search and compare like kind properties.
01/29/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • XXXXX
 Web
I have been approved for {$5000.00} from the Eviction and Foreclosure Prevention program to help get me back on track with paying my mortgage, but my mortgage servicer, Community Loan Servicing, is preventing this from happening. Initially my mortgage lender did not respond claiming that the email was sent to the wrong department, loss mitigation department. This has severely delayed the process. On XX/XX/XXXX the following information was emailed to me : " Our records show that you have not completed a Landlord application that corresponds to your tenant.. We still have funds available but please know that they will be disbursed on a first come, first serve basis. Further, your application will be considered abandoned if the outstanding tasks are not completed by noon eastern time on Sunday, XX/XX/XXXX. '' Additionally, I am working with XXXX XXXX, Senior Vice President/Ombudsman office for my loan servicer. One of the qualifications is for the mortgage lender to agree with the terms which includes fee forgiveness. XXXX, whom I am in close communication with has advised me that the lender is not willing to forgive {$1200.00} in foreclosure fees plus {$150.00} title search fee for a total of {$1300.00}. I advised her, foreclosure was never filed and I never received any documentation of foreclosure. In fact, I advised her that the foreclosure process was submitted behind my back and two day prior to that, I was advised via letter that my loan modification was incomplete. I feel like that was suspicious. I provided XXXX the letter dated XX/XX/XXXX, I was in the process of going through a loan modification and two days later, I was referred to a foreclosure attorney without my knowledge. The attorney received the referral on XX/XX/XXXX and I had already started the loan modification process, that is fraud and misleading practices. I advised XXXX, Senior Vice President/Ombudsman that the loan modification was submitted and I was told that it was incomplete, I kept submitting information over and over again and was being told different responses about the documents I repeatedly kept submitting. I kept in contact with XXXX XXXX, was assigned to me for the loan modification and per his request, I submitted my documents to him also. He was mysteriously removed from my loan modification. Ultimately, Community Loan Servicing is blocking/preventing me from getting on the right track to bring my mortgage current with erroneous attorney fees and inspection fees. Also, I advised the Senior Vice President/Ombudsman of the behavior from the person that was hired to do a check on my. I also advised XXXX XXXX and now XXXX XXXX of my disappointment with the action of the person that was hired to do the drive by inspection. She would show up at my home multiple times, bang on my door, making a loud noise that scared me, asked me for my name and phone number on multiple occasions. She would show up multiple times during the week and each Saturday, until I advised her that her actions were inappropriate and she would not be hired to harass me. I demanded that she stop coming to my home. she would also sit outside my home. On Tuesday, XX/XX/XXXX XXXX advised me that the requirements from the city was to do an inspection on my home and a background check. I was not aware of those requirements.
05/19/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
BULLIED HARRASSED AND INTIMIDATED INTO SIGNING MODIFICATION During the past year, I suffered illness, a XXXX, and XXXX due to XXXX, therefore, I was unable to respond to XXXX XXXX XXXX and Bayview Loan Servicing. Therefore, I am filing this new complaint with exhibits. Due to my XXXX, I will be filing new complaints, individually, with exhibits for XXXX XXXX XXXX Attorneys, XXXX XXXX XXXX Letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. After numerous Qualified Written Request, regarding the XXXX XXXX, XXXX, Loan Modification by XXXX XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX had been notified that my husband was terminally ill and in the hospital. I had filed for several Hamp Modifications and XXXX XXXX XXXX always denied them. On XXXX XXXX, XXXX, XXXX XXXX XXXX Hope Team called me, I told them my concern about my husband being in the hospital and XXXX XXXX XXXX foreclosing on my home with just my children in the home. The XXXX XXXX XXXX Hope Team indicated if my husband and I did n't sign the Modification that they would have to foreclose on my home. Due to my husband being in the hospital and my children and home, I was forced to sign and have my husband sign the modification under XXXX XXXX XXXX 's bullying, harassing and intimidating tactics. On XXXX XXXX, XXXX, XXXX XXXX XXXX sent a intimidating fax. The Fax included the fax " Important Message about your Loan '', and the XXXX XXXX, XXXX, Loan Modification, dated XXXX XXXX, XXXX. The fax also stated " This offer is contingent upon XXXX XXXX receiving an Automatic Stay for any bankruptcy in which the property is referred. '' The Fax stated the following : " Failure to sign this Loan Modification dated XXXX XXXX, XXXX, will result in foreclosure. '' XXXX XXXX XXXX XXXX XXXX XXXX, Exhibit D ) The Loan Modification stated the following : " Failure to sign this Loan Modification dated XXXX XXXX, XXXX, will result in foreclosure. '' ( See XXXX XXXX XXXX XXXX, Exhibit XXXX ) From XXXX XXXX, XXXX to XXXX XXXX, XXXX, XXXX XXXX XXXX added additional fees under miscellaneous posting, property inspections, due date adjustments. ( see XXXX XXXX XXXX Transaction History, Exhibit XXXX-XXXX ) At a Hamp Modification Event in XXXX, I gave a copy of the exhibits in this complaint to XXXX XXXX of the U.S. Department of Treasury. I also gave XXXX XXXX, a full Hamp Modification package in which she verified with XXXX XXXX XXXX XXXX that it was complete. One of the questions I asked XXXX XXXX was XXXX XXXX going to help the XXXX people or was he blowing smoke. XXXX XXXX and I talked, she gave me her card and told me to contact her and later sent me a letter. ( See XXXX XXXX, Dept of Treasury Card, Exhibit G ) On XXXX XXXX, XXXX, Attorneys XXXX responded for XXXX XXXX XXXX and Bayview Loan Servicing stating the following on page XXXX, Paragraph XXXX. " XXXX XXXX XXXX 's records further that the Borrower entered into XXXX Loan Modification Agreements effective XXXX XXXX, XXXX and XXXX XXXX, XXXX, copies of which are enclosed for your reference. '' ( See Attorneys Blank and XXXX letter date XXXX/XXXX/XXXX, Exhibit H ) What is important to note is the copy of the XXXX XXXX, XXXX modification enclosed for reference supplied to us via the Consumer Financial Protection Bureau is n't the modification we signed. ( See Modification Exhibit E )
10/24/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60139
 Web
My loan was purchased by XXXX from XXXX bank in XXXX XXXX Hired a debt collector Bayview Loan servicing Bayview hired an employee by the name of XXXX XXXX. XXXX XXXX contacted me and told me if I agreed to the payment plan and made the payments then she would waive all the late fees .I asked her if there was any unapplied principal and any other surprizes, but she told me with confidence that was all waived. I started to follow making payments. Then Bayview Loan servicing sends a person by the name of XXXX, this person did threaten me with my life. Around XXXX XXXX In XXXX, I was being charged insurance, I provided the insurance information to Bayview Loan Servicing. But They still kept charging me for insurance. As per the insurance department " The money Has fallen through the cracks. '', I am yet to receive my money back more than XXXX dollars, a clear voilation of RESPA In XXXX XXXX I made extra payments but as per the employees Bayview is not scared of the law. They own the law, and they started charging me for foreclosure .Even though my account was never in default. In XXXX XXXX, after talking several times to bayview loan servicing they said, it was their mistake, but they are not going to refund my money, as Bayview is not governed by any laws. This is a Clear indication of XXXX ( Racketeering ) Bayview ( under the Guidence of XXXX ) charged me for illegal fees like home inspection, which is not mentioned in the contract I signed with XXXX Bank the orignal mortgage company. Bayview charged me for laweyer fees to do an illegal forclosure. Bayview Charged me hazard insurance when they were provided several times proof that I had XXXX insurance. Bayview Illegally put XXXX as unapplied principal in my mortgage, when XXXX XXXX agreed, if I follow the payment plan, then that along with any fees would be waived. Bayview is another Company working under the XXXX of XXXX. Just like XXXX bank was doing mortgage back securities fraud, similar thing is happening with XXXX. XXXX is using debt collectors to do illegal activities, this was they can cook their books and make their funds look profitable. This would hurt the retirement of millions of Americans and the trust in the American Economy. Also, bayview is not listed on my Mortgage note, they are a servicing company, so they have no right to be on my credit, It should be XXXX. Bayview wanted to punish me so they provided inaccurate information to the credit agencies. I made a payment in XXXX andXXXX XXXX, but they reported it late, so that gives me more reason that Bayview llc is doing all Fraud. On talking to the employes, the employes do admit that they are doing fraud, by saying things like the money has fallen through the cracks etc. The attorney general will have a field day to see the complicated fraud that Bayview Loan servicing is playing. I have several documents that can be used to proved that Bayview performed XXXX, Respa fraud ( By illegally charging me for hazard insurance, when they knew I had XXXX ), Charging me for lawyer fees and inspection fees when I was not in default. AS per bayview employees they only charge for inspection when a mortgage holder was late on the payment s, but when I confronted the employee, he agreed that bayview did an illegal action, i was never late on my payments
09/13/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MN
  • 55430
 Web Older American
CFPB : Greetings ... I have a Mortgage on my home at that is being serviced by Bayview Loan Servicing , LLC ( www.bayviewloanservicing.com ). Bayview has been servicing my loan since XXXX XXXX, when it was transferred to Bayview from XXXX XXXX Bank. This complaint is about a {$150.00} fee that was listed on my Monthly Mortgage Statement dated XXXX/XXXX/XXXX ( for payment due on XXXX/XXXX/XXXX ). The fee was listed as a line item on the statement and labeled as " Total Fees & Charges ... {$150.00} '' My eldest son and I called Bayview Loan Servicing at XXXX ( customer service ) with various phone calls the day after receiving the Monthly Mortgage Statement in question. It took XXXX different phone calls to get the information that we needed as the Bayview representatives repeatedly kept making different requirements and reasons to release the information over the phone. Finally, after XXXX different phone calls, we were told that the " fee '' was actually XXXX different " fees. '' We were told that these were " Brokers Price Fees for Property Evaluation '' We were told these fees were {$75.00} each and that XXXX of them had been added to the account : XXXX fee back on XXXX/XXXX/XXXX, and the XXXX fee on XXXX/XXXX/XXXX. We were told that the XXXX fees totaled the " Total Fees & Charges ... {$150.00} that appeared on the XXXX/XXXX/XXXX Monthly Mortgage Statement ( this this month 's statement ). We advised Bayview Loan Servicing , LLC, customer service representative that we had not requested a " Broker 's Price Fee Property Evaluation, '' and furthermore had never heard of such a thing or fee on any Mortgage Loan we had ever held with any company, in addition to Bayview Loan Servicing , LLC . The Bayview Loan Servicing Representatives told us that the Mortgage Loan was paid-up and current ; not in arrears and that the payment for the {$150.00} aforementioned fee would not be required as it was added to the Mortgage Amount. We were told that the normal monthly mortgage payment of {$1000.00} would be the payment due on XXXX/XXXX/XXXX and that there would be no changes to the monthly payment amount now or in the future. So, in summary, I am asking the Consumer Financial Protection Board to look into the reason for the so-called " Broker 's Price Fee - Property Evaluation '' that was apparently added to the Mortgage Amount without our knowledge, consent, or approval. I believe this so-called " fee '' is unlawful and in violation of the various consumer credit and debt collection acts and the National and State of Minnesota levels. I would like Bayview Loan Servicing to explain in writing and in accordance with all Federal and State laws in the Great State of Minnesota, why the fee was added to the mortgage and mortgage account ; why we were not notified until over 1 to 2 years later ; why the so-called fee is not labeled correctly and explained on the Monthly Mortgage Statement. I would also ask that Bayview Loan Servicing cease all predatory financial practices and the use of hidden, predatory and unlawful fees and charges to it 's Mortgage Servicing customers. I am aware of the current order and fine imposed on XXXX for customer and fee abuses at that bank. I am asking that the XXXX do the same for Bayview Loan Servicing , LLC . Thank you.
11/30/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • MN
  • 55304
 Web
Recently, I received a letter from Bayview Loan Servicing LLC ( " Bayview '' ) dated XX/XX/XXXX, and entitled " Changes to Your Mortgage Interest Rate and Payments on XX/XX/XXXX. '' Bayview is in violation of the terms of the agreements for my mortgage because they did not calculate the new payment correctly and did not provide timely or sufficient notice. Bayview is the Note Holder and/or Service Provider for my mortgage. However, I originally obtained the Mortgage with an Adjustable-Rate Note from XXXX XXXX XXXX dated, XX/XX/XXXX, and then later, a Modification Agreement with XXXX, dated, XX/XX/XXXX. I expected that the agreements signed by XXXX XXXX XXXX and XXXX would be honored by Bayview. 1 ) Bayview is in violation of the Modification Agreement There are so many errors in Bayview 's letter dated XX/XX/XXXX, that I am concerned that Bayview is not aware of the XX/XX/XXXX Modification Agreement. Specifically, and for example : the new payment was calculated using a 20-year term, but should be calculated using a 40-year term as stipulated in the XX/XX/XXXX Modification Agreement. Additionally, Bayview 's letter states that " the interest rate has been changing every 1 month, '' but that is not correct. The interest rate has been the same since XX/XX/XXXX, and Bayview neglected to acknowledge that there is a maximum that the interest rate can change each year and a cap. 2 ) Bayview Failed to Provide Timely Notice The XX/XX/XXXX, Adjustable Rate Note, Paragraph XXXX, ( I ), Notice of Changes, specifically states, " The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. '' Because Bayview 's letter is dated XX/XX/XXXX, which is seven days after the effective date of XX/XX/XXXX, Bayview violated the terms of the Note Agreement and created undue hardship for my family. Bayview should have provided notice before the effective date of XXXX XXXX, but did n't write the letter until XX/XX/XXXX. It is unreasonable to expect me to acquire the funds to make a mortgage payment which is nearly one-and-one-half times larger but neglect to inform me until after the effective date and only about 20 days before the payment is due. The Note Agreement states that I will be notified prior to the effective date. Bayview did not follow the terms of the Note Agreement. 3 ) Bayview is in violation of the Notice Information Requirements The XX/XX/XXXX, Adjustable Rate Note, Paragraph XXXX, ( I ), Notice of Changes, also states, " The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. '' Bayview provided a mailing address, which according to Bayview 's letter dated XX/XX/XXXX, " must be used for all Error Notices & Information Requests. '' Bayview failed to provide the title of a person and phone number for any questions as also required by the Note Agreement. This is especially important to me because I think the new payment was calculated wrong, and because of the XXXX holiday there is less than 2 work-weeks until Bayview is expecting payment. There is not sufficient time to answer my questions and correct the mistakes.
10/25/2015 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • NC
  • 28269
 Web
I am co-Owner of a house with my ex-wife. I moved from the property around XX/XX/XXXX and received my divorced XXXX ; but I am still on the loan and deed. We do not live in the house together ; but I am actively involved in all the decisions being made concerning the house. I informed Bayview Mortgage that my ex-wife and I do not talk and any documentations sent to her must be forwarded to me also. I provided my cell and current address ; due to the fact I live in another state and do not have access to any mail at the property being serviced under the loanIn the XX/XX/XXXX ( around XXXX XXXX my ex-wife requested a modification from BayView. She was placed on a pre-modification for 3 months before the final modification could be completed. During that time I contacted Bayview several times to discuss the terms of the pre-modification and consequential the final modification with several representatives. I spoke to XXXX XXXX XXXX first and provided him with my cell and current address. I requested, from XXXX XXXX, that Bayview forward any correspondence concerning the loan to me in addition to my ex-wife. I did receive several mortgage statements from Bayview showing the balance and escrow amounts for the loan. I also contacted XXXX XXXX twice a week to get status updates on the account and pre-modification. I did request a copy of the pre-modification from XXXX XXXX on several occasions ; but was told there was nothing for me to sign until the final modification ; so there was no need for me to receive a copy of the pre-modification. XX/XX/XXXX I contacted Bayview to find out when the final modification would be sent so I could have an attorney review the paper work before I signed. I spoke with a representative that informed me XXXX XXXX was the new representative for my account. When I spoke with XXXX XXXX she stated the following:1. My ex-wife had received the paperwork for the final modification XX/XX/XXXX but had missed the deadline. 2. Bayview was giving my ex-wife the opportunity to turn in the late paperwork and they would honor the modification ; but they had not received anything from her as of end of XXXX. XXXX XXXX stated she did not see any notes on the account stating I requested a copy of the final modification be sent to me at my current XXXX. XXXX XXXX stated the account did not have my current address ; but she would update the account to reflect my current XXXX. I commented that I had been receiving the statements but could not understand why they did not have my address on file for the modification documentation. XXXX XXXX ; promised to send me a copy of the modification for my review and signature. Later on around XX/XX/XXXX ; I went to apply for a loan and saw on my credit report that the modification had been processed. I immediately contacted Bayview to find out what happened and why I was not notified. XXXX XXXX was unavailable so I spoke to a representative at the company. They informed me that the final modification had been approved and they forwarded me a copy of the signed modification via email. Much to my surprise the modification had a signature on there that was NOT mine. I tried to contact XXXX ; several times but she has not returned my calls. The signature on the modification has been forged.
01/31/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 444XX
 Web
XXXX XXXX sold our mortgage loan to Bayview Loan Servicing XX/XX/XXXX. XX/XX/XXXX, I received a letter stating that Bayview paid our back property taxes and put our loan into an escrow account. This made our monthly mortgage payments go from {$1000.00} to {$1500.00}. They did all of this without our knowledge or consent. We currently have a XXXX Pay Contract Agreement with XXXX County Treasurer 's Office, XXXX XXXX, Treasurer. This agreement began on XXXX XXXX, XXXX and to this day, I have not missed a payment. Once I received this letter in the mail, I called Bayview and spoke with a man named XXXX. He told me that I had to mail a copy of the XXXX Pay Contract Agreement to Bayview and that someone would contact me once they received it. I put the copy in the mail the next day. I did not hear from anyone, so on XXXX XXXX, I called Bayview and spoke to several customer service representatives. Each XXXX of them told me that they did not receive the contract in the mail and that the XXXX Pay Contract Agreement needed to be emailed to XXXXXXXXXXXX, so I did. I called on XXXX XXXX because I still did not hear from anyone about receiving my email. I spoke with several more representatives and they all told me that nothing was received. I then asked to speak with a customer service supervisor, and was informed that all of the supervisors were currently busy and that one would call me back. I called back on Monday XXXX XXXX and asked, yet again, to speak to a customer service supervisor. I was told they all were busy. After talking with many representatives, I finally demanded to speak with the customer service supervisor, and a man named XXXX finally was available. XXXX stated that they did not receive the email, and that I needed to fax over a copy of the XXXX Pay Contract Agreement to XXXX ( XXXX ) XXXX ATTN : Escrow Department. So that day, I faxed the copy. XXXX called back an hour later and asked for the fax number that the Agreement was coming from. I gave him the number and he said that he would be calling me back. Friday XXXX XXXX, I still did not hear from XXXX, so I called Bayview back. After speaking to several representatives and each of them stating that they did not receive the fax, I demanded, yet again, to speak to XXXX. XXXX got on the phone and said that he did receive the fax and that I needed to call XXXX County Treasurer 's office and tell them they needed to send a refund check to Bayview. After hanging up the phone with XXXX, I called XXXX County Treasurer 's office and spoke with the deputy treasurer. I explained to him the situation and that they needed to spend a refund check back to Bayview. The deputy treasurer told me that it was against the law to send a refund check to them simply because I requested them to do so, and that I needed to call Bayview back and tell them that they needed to request a check from XXXX County to get their money back. After several customer service representatives, I finally got back to XXXX and told him what the deputy treasurer had said. He told me that his company does not do that, our account will stay in escrow, and our payment will stay at {$1500.00}. I feel that it unfair because they did that without our knowledge and consent, and I can not afford that house payment.
11/04/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 303XX
 Web Older American
Ours is a long and complicated story beginning in 2010. We own a rental property in XXXX, Florida and have been working since 2010 to obtain a loan modification. It took five years and mountains of paperwork submitted by us and lost by the mortgage company numerous times before we were granted a modification this year. The reason we needed the modification was that we could no longer afford the high payments due to the rapid decline of the real estate market and the economy in general during that time. XXXX XXXX and the XXXX wreaked havoc on properties on the XXXX XXXX. We also lost a business around the same time due to the economy. Because of the length of time ( five years ) with interest and penalties accumulating, our " modified loan '' payments are more than our original mortgage payments. We have been able to make our payments during the rental season ; however, we are now at the end of the season and are not sure how we can continue. During the five years, our mortgage changed hands XXXX times ( XXXX, XXXX XXXX XXXX , XXXX, and finally Bayview Loan Servicing ). Due to the chaos at XXXX and XXXX XXXX XXXX, until a year ago we could not even get the mortgage company to acknowledge our applications. Trying to go through the system did not work. They would tell us the paperwork was lost, was never received, and other poor excuses. We sent all paperwork so that it required a signature, but they still could never find our submissions or by the time they found it, the application would be out of date and we would have to start again. We have a mountainous file to show how many times we submitted our information. Last year the loan was taken over by Bayview Loan Servicing and we finally established a relationship with our loan advisor. We submitted yet another application and, with his persistence, were able to obtain the modification mentioned above. In our conversations with him, he repeatedly told us that all penalties and interest would be waived if the loan was successful in being modified and that we would be eligible for a two percent interest rate. Well the loan modification was approved ; however, interest and penalties were NOT waived. and we did NOT get a two percent rate. About the time of the approval, our loan advisor was no longer there. We honestly feel because of the lack of any organization in XXXX XXXX XXXX during the early years of this whole mess, we got caught in the middle of it. While interest and penalties were accumulating, we were diligently trying to do everything we knew to do, but were totally neglected by XXXX. The real estate market was in a severe decline anyway so they were in no hurry to help us or foreclose. Now that the market is back they know that the property will bring a price to recoup all their money, including the penalties and interest. Therefore we were forced to accept the modification agreement they proposed or lose the property, which we do not want to do! We accepted the loan modification under duress and would not ask for any more than we were told during the negotiations with Bayview, i.e., waiving of interest and penalties and a lower interest rate. As Bayview is a debt collector and owned by XXXX XXXX XXXX, they have no interest in negotiating the terms of the loan.
08/13/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IL
  • 60103
 Web Older American
In XX/XX/XXXX we realized our escrow for our mortgage with Bayview Loan Servicing might be short after being notified by the county that our property taxes were going to increase. We sent in a check ( copy attached ) with their coupon ( that is attached to their statement every month-sample attached ) indicating that we wanted that money put into our escrow acct and requested that they please confirm that. They did cash the check but never responded to our request as to where the money was applied although we have written two letters requesting such. In the past they have applied extra escrow funds to our principal and we had to straighten that out over the phone, which was very difficult as we were passed around quite a bit. This is why we would like to see something in writing in the form of a letter. As consumers are we asking for too much from them? We do get a statement from them but it is unclear to see where the money went. It looks like they wiped out some old late fee which we did not give permission for them to do. We have attached to previous letters from Bayview in regards to other matters where they admit they do not know what transpired in those situations. What kind of company that handles peoples money and investments can answer with these kind of responses or make statements that they do n't know what they are doing? ( samples attached ) This is very uncomfortable, as my money is important to me. How hard is it to send a customer a response? Miss a payment though and they will be all over you. We are only asking for a letter that shows where our {$110.00} went. Can you please help us to get some answers here and not just " they are unable to confirm '' or " Bayview is unable to respond to why ''? ( Bayview Letter w/this response attached ) What kind of loan servicing is Bayview if they can not respond to their customers needs with other than " XXXX we do n't know '' or by just not responding to a customers request. Thank you XX/XX/XXXX Since the time of the above note we have recd the attached statement from Bayview. Per their statement we have contributed another $ 32+ to our escrow account to make up a shortage as the property taxes increased. We did this so we could continue to pay our regular mortgage amount as the budget for this property is very tight. The statement also had a coupon ( like the attached sample ) that gave an option to pay the escrow. Which we did. So... we sent in the regular about in good faith and on time. Surprise! The new statement for XX/XX/XXXX shows we are being charged fees. One is for a Past Due Amount there is no past due amount. The mortgage for XX/XX/XXXX was paid on time and the extra money for the escrow was also paid. Again, our money is missing. Where did it go? It clearly states on both checks the extra monies sent in were for Escrow. We also sent in THEIR coupon that asks where you would like the money applied and checked off Escrow Are they illiterate? So, our complaints are : Bayview has not acknowledged any of the letters we sent in regards to the checks they cashed. Where is the money??? They have not acknowledged any extra money that was paid for our escrow account. They are illegally charging us unnecessary fees due to their incompetence.
11/04/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33177
 Web Older American
From : XXXX XXXX XXXX : CFBPDate : XX/XX/XXXXXXXX XXXX XXXX , XXXX XXXX XXXX Bank and Bayview Loan Servicing LLC. They have all claimed that they owned my note mortgage. However, first, to begin with XXXX XXXX XXXX, who claimed to be the new owner of my mortgage, after my lender XXXX XXXX was closed down by the OCC on XX/XX/XXXX. So I continue to make payment to XXXX until I allowed my loan to go into default XX/XX/XXXX, for after I did a Securitization Loan Analysis Report, the note to my mortgage was sold by my lender XXXX XXXX or my mortgage securitized where there is a bifurcation of mortgage and note. So I sent to XXXX QWR and debt validation letter, they sent back to me a history report of my loan, and no chain of title from the FDIC to XXXX, but on XX/XX/XXXX XXXX did a Deed of Trust in the state of Louisiana without my knowledge or consent, and on the XXXX/XXXX/XXXX, did a bogus assignment of mortgage, also without my knowledge or consent from FDIC to XXXX XXXX XXXX ( no condition precedent ) Then did another bogus assignment of mortgage, from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX/Bayview Loan Servicing LLC . No XX/XX/XXXX by XXXX XXXX XXXX who is neither a vice president nor employee of XXXX XXXX. And none of those assignments are recorded in the XXXX XXXX Public Records, and there are no assignments attached to my mortgage, but since my note was sold by my lender XXXX XXXX in XX/XX/XXXX, it is not recorded in the XXXX County Public Records and there are no assignments attached to my mortgage, but since my note was sold by my lender XXXX XXXX XX/XX/XXXX, it is not recorded in the XXXX County Public Records. On the hand, I also have XXXX certified copy of mortgage ranged from the year XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX still no assignments attached to my mortgage ; furthermore. I have a : Securitization Loan Analysis Report, XXXX XXXX 's deposition with XXXX XXXX XXXX. Case NO. : XXXX, and XXXX XXXX XXXX deposition with Bayview Loan Servicing LLC. Case NO. XXXX. Now my house was foreclose on XXXX/XXXX/XXXX and final judgment was granted within less than four minutewhile I was in the process of questioning the plaintiff, cause me file for chapter XXXX to save my home. Party Name : XXXX XXXX XXXXDoc. Type : XXXX County Recorder 's Official Record Search ResultsDisplaying XXXX to XXXX of XXXXClerk 's File No Doc Type Rec Date Rec Book/Page Plat Book/Page Blk Legal Misc Ref First Party ( Code ) Second Party ( Code ) XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / XXXX XXXX XXXX LOT XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX R XXXX MOR XXXX/XXXX/XXXX XXXX / XXXX XXXX XXXX LOT XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX R XXXX MOR XXXX/XXXX/XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ET XXXX R XXXX MOR XXXX/XXXX/XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ( XXXX ) XXXX XXXX ACTION XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / XXXX XXXX XXXX LOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ( XXXX ) XXXX XXXX XXXX So there are no transfered of mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank and Bayview Loan Servicing LLC. as they have all claimed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
09/09/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NV
  • 89502
 Web
First : We paid our mortgage online and received a written confirmation same day that our payment had been received. When the funds did not come out of our bank account within a couple of days I called the company and got their automated message stating that our payment had been received. After a couple more days and the money still had not come out of our bank account I called and spoke to an agent who now informed me that the incorrect account number had been input at time of payment and the account was now overdue. They said it takes them five days to make a change in the status after confirming our payment. Really? With today 's technology they do n't have a system that can identify when an incorrect number has been input? Even my simple Quick Books does that. Second : We had damage to our house and received a payment from our insurance that required endorsement from our Loan Service Company. I first called the Loan Company to find out how I needed to handle the check. I was told to just send the check to their Loss Draft Department and they would endorse and return. So I enclosed with the check a short letter explaining the loss and also enclosed a self addressed XXXX envelope so they could expedite the process. When I checked tracking and saw that nothing had been done, I called the Loss Draft Department only to find out that I also needed to include more docs ; however, no one called me. When I explained to the agent that their representative did not inform me about including all the docs, her response was, " We tell them to say that but they do n't. '' I then got her fax number and faxed all of the docs to her same day. She stated it would take 48 hours to get it back in the mail. After 48 hours I called to check the status and was rudely told by a very terse agent that the check was just sent to the " Endorsement Department '' today and since it 's Friday it would be sometime next week before it got mailed. This company has the slowest processes and most archaic systems I 've ever encountered. They have frustrated me at every turn and have been rude on the phone. I have repeatedly asked their agents to speak up because I have a hearing impairment and only one time in my many phone calls has someone actually attempted to speak loud enough for me to hear. I 'm sure they have flagged my account and now none of them make any effort to be polite. When the economy failed in 2008 we worked very hard to not lose our home and after six months of phone calls we were able to keep our home by having our mortgage moved to Bayview Loan Servicing. However, Bayview has been nothing but a very negative experience. They are indeed a company whose goal is to be as unhelpful as possible and avoid communication in a timely manner. Not a good experience. My desired resolution is for Bayview to update their technology so that inadvertent errors when inputting the account number are identified right away and to improve their communication so I 'm not waiting 2-3 weeks to find out they need more information. They ask for my phone numbers every time I call so you would think they could place a call to me. Their response time to facilitate the simplest of requests is inordinately slow.
07/10/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Bayview Loan Servicing is the subservicer my loan and continues to follow directives from the Master Servicer to foreclose on our loan and the Master Servicer XXXX XXXX XXXX has no standing. The notes and other mortgage documents, including lawfully executed mortgage assignments, were required to have been delivered at the inception of the XXXX XXXX, and XXXX XXXX XXXX repeatedly certified that the XXXX XXXX complied with that requirement. However, XXXX XXXX XXXX discovered that the mortgage assignments were missing so XXXX XXXX XXXX devised and operated a scheme to replace the missing assignments with fraudulent, fabricated assignments this was done to conceal that the XXXX XXXX were never assigned the notes. XXXX XXXX XXXX in concert with the mortgage servicing companies ( which needed possession of the note to foreclose ), prepared and filed thousands of affidavits falsely representing that the XXXX XXXX had possession of the note and that the note was lost in unknown circumstances. These fraudulent documentsusually assignments of the mortgagewere then filed in court to persuade the court that the trust was the proper party to foreclose on the mortgage. XXXX XXXX XXXX concealed that the notes and assignments were never delivered to the XXXX XXXX, and disseminated false and misleading statements to the investor, and homeowners so that XXXX XXXX XXXX could foreclose on our home. The Exhibits attached will substantiate the fraudulent and fabricated assignments.

Exhibit A Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore XX/XX/XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XX/XX/XXXX the reason the document was backdated because XX/XX/XXXXwas foreclosing on our home without standing from XX/XX/XXXX throughXX/XX/XXXX, so XX/XX/XXXX filed this fraudulent document back date their standing for foreclosures fromXX/XX/XXXX throughXX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX Mortgage Pass-Through Trust XXXX is listed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,XX/XX/XXXX , XX/XX/XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement datedXX/XX/XXXX, received in this Commission on XX/XX/XXXX, under the name of XX/XX/XXXX Pass Through XXXX XXXX , File No. XXXX Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/XXXX

07/14/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 62301
 Web
I had a mortgage with XXXX. Last month they sold my mortgage to a company called Bayview Loan Servicing , LLC out of XXXX XXXX, FL.

I did not receive any information about being moved until I attempted to pay my mortgage with XXXX and my account was no longer valid. I then managed to track down my new mortgage company after hours of searching.

I have always paid my mortgage bi-monthly, with split payments slightly higher than the amount owed. After tracking down the company and thinking everything was fine, I logged onto my new online account with them and discovered this was n't an option. I called them back and was informed that they do n't operate that way, but they could set it up for auto withdrawal every 14 days. I said no, I pay bi-monthly, not bi-weekly, they argued with me that it was the same thing. I tried to explain why it was n't, and then found out they knew almost nothing about how mortgages work or interest rates, or the difference in payments and how they affect interest calculation. This distressed me.

I then made arrangements with them to call in twice a month, on the XXXX and the XXXX, and if either fell on a weekend or holiday I would pay the day before, not after.

They 've lost my insurance paperwork, twice now. I have had my insurance company fax the information to them. They still insist I do not have insurance.

Then today, while trying to pay the auto service says that I am a month behind in my mortgage. I have been with them only since XXXX XXXX and have made two payments, on XXXX XXXX and on XXXX XXXX, and was attempting to make another payment today on XXXX XXXX And again said I did not have insurance on my house, which I absolutely do and that I was behind on my mortgage which I absolutely am not.

Three hours later, I 'm still on hold, until my phone died. I tried again, another hour lost and still not able to reach anyone in customer service. After going through being told I was late on my mortgage payment and did n't have insurance and being lectured to by a machine, it switches over to Spanish with no English option. I had to bring over a friend that spoke Spanish for him to translate what was being said. I was on hold for an hour, and told I was number 8 in line, for an hour. I waited, on hold for the rest of the day until when they closed, still number 8 in line.

At this point, I 'm not even sure if this is an actual mortgage company. I 'm worried about what 's going to happen to my credit score if they report me as being late on payments. My score at this time is XXXX and I have never been late on a payment on anything ever in my entire adult life. But I ca n't even pay my mortgage because the only option I have for payment is above what I owe.

I am going to attempt to contact them again tomorrow morning, their site says they are open on Saturdays, but I 'm worried that I may not be able to contact anyone and who has time to spend an entire day on hold trying to get in contact with their mortgage company?

I 'm not sure what to do at this point, and while yes I can start looking for a new mortgage this is not right and there have to be others affected by their practices.

XXXX XXXX

08/08/2019 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • IL
  • 60620
 Web
I completed 2, 3 month trial modifications with Bayview Loan Servicing LLC in XXXX for {$1100.00} and {$1000.00} in XXXX. I almost had to complete a 3rd modification because Bayview claimed I refused the offer. This is why I'm filing this complaint today, Bayview has been undermining this entire process since XXXX. I filed a complaint ( File No : XXXX ) with the State of Illinois XX/XX/XXXX. During the investigation Bayview failed to disclose they were pursuing foreclosure against my property. Bayview gave the impression they were going to continue the modification process by sending " New point of contact '' letters, having these people contact me and giving me false hope of the process. I've called numerous times, leaving messages and email, all unanswered. I received a notice from their attorney 's office XXXX XXXX XXXX for Judgment of Foreclosure and order of sale XX/XX/XXXX. The order has the Judges court stamp for XX/XX/XXXX. XX/XX/XXXX, Bayview drafted a letter claiming, " We have not received the required documents within the time allowed, this is the same thing Bayview claimed XX/XX/XXXX, XXXX, and XXXX. I emailed the information first to the investigator XX/XX/XXXX because Bayview 's website continued to load never allowing to upload the assumption packet. When then point of contact XXXX XXXX called me XX/XX/XXXX, he assured me the communication between me and Bayview would be better. He said Bayview claimed they didn't get the General Authorization, Cover Sheet, Complete Customer Information Worksheet, Applicant Acknowledgement and Agreement, and w-9 form signed and dated. I explained to him Bayview 's website wouldnt allow me to upload the documents and that investigator XXXX emailed it to Bayview. I re-sent the paperwork through email to him the same day ( XX/XX/XXXX ), and never heard from again. I tried calling him at the number at the bottom of his email, it went to a different person voicemail. I left messages with that person to pass to XXXX XXXX dont remember his name ) that person did call me back but not XXXX. I would call and sometimes the line would just ring, then a busy signal. The calls would drop, sometimes the automated system would go haywire. I emailed XXXX XX/XX/XXXX, requesting a call XX/XX/XXXX, and again XX/XX/XXXX, he never called backed. I called multiple time XX/XX/XXXX, and could not through. I received a new point of contact letter XX/XX/XXXX. I email XXXX XXXX the same day but got no response. I filed a motion to vacate XX/XX/XXXX, but because the Judge who signed the order is on vacation until XX/XX/XXXX. I called his clerk and left a message asking about a temporary Judge but never got a return call. I want my property, but Bayview is helping who ever it is trying to get my building, take it. Bayview is dishonest in their practices, and they use the same reason for why this process is halted. I have email confirmation proving I sent the necessary documents. Bayview and it's attorney deceived the Judge. This is Bayview 's process not mine, it shouldn't take this long to complete a modification, it's been going on for 4 years. I completed 2 mods and the paperwork, Bayview is dragging the and are stealing my property.
01/27/2017 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • FL
  • 32901
 Web Servicemember
Bayview Loan Servicing and their attorneys at XXXX stole our identities to pursue a wrongful foreclosure. XXXX ( me ) was XXXX by inspector picture taker sent by Bayview Loan Servicing while we were under the stay protection of Bankruptcy on XX/XX/XXXX. I filed a police report and have a video. We did have a XX/XX/XXXX Mortgage with XXXX and they filed for Chapter 11 Bankruptcy. The Mortgage was never endorsed to any business leaving the Mortgage Void. The bankruptcy lawyers for XXXX ( XXXX case XXXX ( XXXX ) XXXX ) recently sent us the Loan files XX/XX/XXXX proving again there were no endorsements. XXXX filed case # XXXX in XXXX County XXXX XX/XX/XXXX. The case was dismissed XX/XX/XXXX. We filed Chapter XXXX bankruptcy XX/XX/XXXX. XXXX filed a claim under XXXX whom we never had heard of. They filed an erroneous mortgage note from a homeowner in XXXX. They substituted Bayview Loan Servicing as Transfer of Claim other than for security XX/XX/XXXX. We dismissed the bankruptcy XX/XX/XXXX. XXXX filed a " motion to return original loan documents '' from the XXXX case on XX/XX/XXXX. Bayview has fabricated Mortgage Statements with our stolen identity and address. They have been depositing large amounts of money in the account since XX/XX/XXXX. 39 days before Bayview and XXXX sued us for foreclosure, they deposited {$21000.00} on the statement. They sent us 3 notices of default and intent to accelerate-XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX. They filed a wrongful foreclosure suit in XXXX County XX/XX/XXXX ( past the 5 year Statute of Limitations XXXX ) case # XXXX. They falsely gave us loan modifications XX/XX/XXXX and XX/XX/XXXX stating we had applied for them.We did not. They keep asking for our social security numbers and sending us forms to sign. We have had no contact with them except to send qualified written requests which they failed to give us a straight answer as well as take longer than the law gives to send to us. We suspected they were eventually going to sue us so we just collected the info sent us. We started checking our credit reports and found they had been reporting themselves as a creditor for conventional real estate mortgage opened XX/XX/XXXX. We disputed their reporting and ALL of the Credit Agencies removed them. Our credit report now reflects XXXX Dollars owed on Real Estate. We now have a non jury trial on XX/XX/XXXX which will be preceeded by a Mediation. I can show a clear path where XXXX conspired with Bayview Loan Servicing to commit Mortgage Fraud. They now are including Foreclosure Attorney Fees right on their recent statements. We DO NOT owe them any monies nor do they have any legal right to obtain our property and get a Judgment Figure. XXXX is very prejudicially rough on homeowners and very few of us can afford a lawyer. Bayview Loan Servicing and XXXX have violated the Federal Fair Debt Collections Practices Act, 15 USC 1692 specifically 1692d ( ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person and 1692e 807, False or misleading representations, Conspiracy to commit Morgage Fraud under XXXX Statutes 817.535 & 817.545 ( 2d ).
07/12/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • XXXXX
 Web Servicemember
This is being filed against Bayview Loan Servicing LLC. I have had numerous previous complaints filed in which BLS just makes willfully false statments. The last such complaint was XXXX. I am going to do this now by just dealing with one issue per complaint rather than identifying various correlated issues. This will compel them to just deal with one per complaint so that the semantically games, and other attachments they submit that are incomplete and incorrect, mostly irrelevant or uncorroborated, and uncorroborable without the proper and full depiction is not further used as the ruse they commonly initiate to inundate you with a lot of papers of little to no substantive value. I will first deal with their response to item 1 of complaint XXXX. XXXX Bayview wrote : " 1. He is currently in court because he file an Order to Show Cause ( " OSC '' ) and a Temporary Restraining Order ( " TRO '' ) against Bayview Loan Servicing , LLC ( " Bayview '' ) due to their illegal attempts to add an escrow account to his loan accounts. Bayview also changed his monthly payments to include the escrows. He states Bayview depicts his accounts as escrow accounts, but they are not really escrow accounts. To address item 1 above : Our records indicate that responses addressing similar concerns were sent to XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). XXXX XXXX may continue to contest the validity of the debt owed to the co-operative, and should he prevail, Bayview will credit the escrow account as appropriate upon receipt of any refund. '' XXXX RESPONSE : I. Bayview had no contractual or legal basis to set up escrow accounts 1 ) Bayview has no authority to set up an escrow account for anything other than what is prescribed in contractual obligations. The law is clear that escrow accounts are for taxes and insurance. Bayview itself states that these accounts are not escrow accounts, so how could it set up an escrow account without my permission. ( see attached XX/XX/XXXX letter from Bayview ) 2 ) There is no legal authority to force a escrow account other than for taxes and insurance. HOA 's are not taxes or insurance. XXXX Force-placed insurance does not allow for this and the only other time an escrow can be set up is by mutual consent. There was none given and there is none given now. 3 ) Bayview issued checks which stated they were for Hazard insurance to the cooperative in XX/XX/XXXX. ( see attachment ) II. Bayview had no contractual or legal basis to make payment to the cooperative for alleged arrears of HOA 's after the default period. 1 ) Bayview consistently states that it made payments to the cooperative pursuant to its " loan security agreement paragraph 3 '' ( see attached ). The problem with this argument is that the default stated in paragraph 3 says to " Actions by Lender to Prevent Default ''. The lease had already been defaulted in early XXXX, and terminated in XXXX and XXXX. How could it have " prevented a default '' when the default had already occurred and two notice to terminates had already been served. 2 ) The paragraph the lender may have had available to it was paragraph 4 referring to " events of default ''
09/20/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 44646
 Web Servicemember
We have had a mortgage with XXXX since XX/XX/XXXX. We have had some difficulties, a bankruptcy in XX/XX/XXXX and a remod in XX/XX/XXXX, yet we have fulfilled every obligation and have been perfect since the remod. On or about XX/XX/XXXX, we received notice from XXXX 's that our mortgage had been sold to Bayview Loan Servicing, I immediately called them and was told my account was not yet in their system, nothing to worry about. I immediately called XXXX 's and was given the same exact story. On XX/XX/XXXX, I went to the Bayview website and was able to register my account, yet unable to make a payment. I again called Bayview, and was again assured that all was in order, no worries. I the emailed XXXX explaining the situation. To date, I have heard nothing from them. I called Bayview and logged into my account on their website several times over the next several days and was given the same story. More calls and visits produced no better results. On XX/XX/XXXX I registered for account alerts, yet nothing changed. I was told to check back the following Mon or Tues. I logged on Tues, XX/XX/XXXX as that was my day off, and was able to make a payment. I then received a notice of payment email that stated my account was not yet set up and the payment could take seven to ten days to post. I immediately called and was told all was good and there was no need to worry. I expressed my fears concerning a late payment, my credit report and fees. I was assured that none of this could happen and their were grace periods and no fees. I stressed their was no need for a grace period as I had made my payment prior to the 'Late '' date and it was not given earlier because they would n't accept my earlier attempts. I logged on the website several days in a row, hoping to see the payment posted. I finally called XX/XX/XXXX and was told that my mortgage had been transferred to Bayview due to my bankruptcy and risk. I asked what any of that had to do with posting my payment. I asked for a manager several times and was belittled and berated each and every time. I was then put on hold for an extended period of time. No one ever returned to the line. On XX/XX/XXXX, I received an email from Bayview stating that I could now view my online account. I logged on and saw that I was now due for an XX/XX/XXXX payment. I finally thought things had been corrected. That 's when I saw the 'Request Payment History ' tab. I thought that was odd language, " Request '' most website openly display your payments. I clicked on the tab in an attempt to confirm my XX/XX/XXXX payment. I was promptly thrown off the site and my password no longer worked. My next business day off is Tuesday, XXXX XXXX and I had planned on calling Bayview the. Today, XX/XX/XXXX I received a paper statement in the mail showing two payments due by XX/XX/XXXX, stating I was behind a full payment. I had made my payment to XXXX in XX/XX/XXXX. I have taken the time to review Bayview Loan Servicing and what I have experienced, and much worse is the norm. I have contacted XXXX, your agency and will be meeting with legal counsel. Please interfere with this transaction. Respectfully submitted.
03/09/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MA
  • 01844
 Web
I have removed personal information from the email I sent below. I believe the email describes the issue accurately. Bayview Loan Servicing has not taken any action to correct the error. They are a predatory loan servicing company attempting to strong-arm me into paying a debt I am not responsible for. It is impossible to reach anyone at this company and they do not respond to inquiries and requests other than to gather information to hasten and expedite foreclosure ... notwithstanding what they have done to destroy my credit. " Per my discussion with XXXX, Loss Mitigation, on XX/XX/2017 regarding the subject loan, I have been asked to notify your Customer Service Department to take immediate corrective action. You have reported delinquent payments and assumed a debt to me that is incorrect. I am not a borrower on this account and my credit must be restored to its excellent rating. The subject mortgage is that of my parents ; I am not a borrower on this account. It has been confirmed on previous occasions that I am not a borrower on this account : as such, Bayview refused to provide information on my parents ' behalf because I WAS NOT ON THE ACCOUNT. After the death of my mother, I was able to request a pay off statement only upon providing documentation as having Durable Power of Attorney on behalf of my father to offer the property for sale. However, Power of Attorney DOES NOT assume my parent 's debt to me. XXXX also confirmed during this most recent phone call, that I am not listed as a borrower on this account ; and, he was unable to explain why I have been named on the mortgage statements, nor why Bayview has provided adverse credit information seemingly destroying my credit rating overnight. Perhaps it is a simple mistake on your part as my name appears on the deed for the property. However, please be advised that I am not included on the Note or Promise to Pay ( this was confirmed to me by the attorney of closing ) and I am not responsible for the debt. The adverse actions you have reported to the credit bureau have increased my debt to income ratio to an unacceptable FICO standard and the delinquencies you are reporting have devastated my credit rating. You have detrimentally affected my financial well-being, as I had an excellent credit rating - and was considering the possibility of purchasing my parents ' property myself. Now I have limited borrowing ability and my creditors are questioning my ability to pay. Hence, Bayview Loan Servicing must remove all incorrect, improper, delinquent and adverse actions reported to my credit immediately. I have no personal obligation to repay this debt, but will pay the account in full upon sale of the property ( which is the preferred account resolution ). Again, please respond with the immediate removal of any information Bayview has provided to my credit. It is my hope that you will correct any negative actions against me as quickly as my excellent credit was destroyed. Of course, if you require any further information, do not hesitate to contact me. My contact information is provided below. Thank you for your prompt attention to this matter. "
03/25/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30341
 Web
We surrendered our home in a bankruptcy filing in XX/XX/XXXX. The loan was sold by XXXX to Bayview Loan Servicing approximately one year later. We made many attempts to do a deed in lieu of foreclosure with both XXXX and then restarted the entire process again after the loan was sold almost a year after the bankruptcy filing to Bayview Loan Servicing. Neither lender would work with us for the deed in lieu of foreclosure which we accepted and then we were told the mortgage would go into foreclosure after all our attempts to make it a smooth transition for the mortgage holder as well. We have continued to pay Homeowner 's Association dues in the amount of {$370.00} a month ( adjusted annually upwards ) for over 2 years since we are still the registered owners and we can not refuse to pay the HOA fees until the mortgage holder sends a letter stating that the property is in foreclosure due to the requirements of the Bankruptcy rules ( no new debt may be incurred ). We just found out today that the foreclosure process officially commenced on XX/XX/XXXX yet we were never notified, and we have continued to pay the HOA fees every month, never being late either. It is our belief that Bayview Loan Servicing acted in bad faith, knowing we were paying the HOA fees, and even after numerous calls and conversations, they made no efforts to resolve the issue so that the foreclosure would go forward. We were told so many stories that it 's hard to begin to tell them all, but we found out today by the Bayview Loan Servicing law firm here in Georgia who handles their foreclosures, that the ONLY reason the foreclosure has not been completely finished is due to Bayview 's negligence to provide the law firm the AOM, Assignment of Mortgage details that must be recorded with the county in which the property is located. Bayview has known this step needed completion for many months and even the law firm stated today on the phone that Bayview has been non responsive to their requests to obtain the AOM and that the foreclosure would have been completely finished by now had they provided the AOM in a timely manner. We believe that Bayview not only acted in bad faith but that they also purposely left us holding the bag for paying the HOA fees every month so that they would not have take over the expense of the HOA fees once the foreclosure process was formally in process with the AOM in order. This company, Bayview has preyed on us to force us to maintain a property that we vacated 2 years ago and they made no effort, by their own admission on the phone today, to get the AOM issue resolved. If we were given a notice of foreclosure back in XX/XX/XXXX when Baview first put the account into foreclosure status, we would have no longer been required to pay the HOA fees which by paying them, has kept us in a continued state of financial hardship solely due to the negligence of Bayview Lending Services and them choosing not to follow their own proper protocols and by acting in bad faith. We believe we should have the foreclosure expedited and should be refunded the HOA fees we have paid since XXXX XXXX at the very least.
04/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92606
 Web
On XX/XX/2020, California XXXX XXXX XXXX issued a shelter-in-place order to fight the spread of XXXX. On XX/XX/2020, XXXX XXXX XXXX announced a Major Financial Relief Package : 90-Day Mortgage Payment Relief During COVID-19 crisis. On XX/XX/2020, I called Bayview Loan Servicing LLC notifying the servicer that California was placed on a statewide shelter-in-place order effective immediately as of XX/XX/2020. Therefore, as a self-employed individual who is NOT classified as a essential service provider I can not work. Since, I can not continue to be gainfully employed and earn a wage and do not have the luxury of working from home. I NEED ASSISTANCE ... My business requires in-person contact and can not be performed remotely. I specifically asked for 90-day mortgage payment relief during the shelter-in-place order from the XXXX of California. I was assured by the customer service representative that I would be placed in the forbearance program agreed to by Bayview Loan Servicing and the State of California. The Bayview customer service representative also read and confirmed that the 90-day grace period for mortgage payments was being offered to me. Secondly, no negative credit impact would result from this relief. Third, I would not be pressured to make payments and late fees during this time will not be incurred. Fourth, that there would be NO notice of default, initiate any foreclosure proceeding against my property. Finally, I was told that there would be NO fees or charges incurred from this program. On XX/XX/2020, I called Bayview Loan Servicing to follow-up on the forbearance request. No response. On XX/XX/2020, I called Bayview Loan Servicing to follow-up on the forbearance request. Office closed for the weekend. On XX/XX/2020, I called Bayview Loan Servicing to follow-up on the forbearance request. Spoke with Customer Service representative named XXXX. I asked for confirmation that I was placed on the forbearance program. She was more concerned with contact information for collections. I requested multiple time for verification that I was being placed on the forbearance program and that Bayview Loan Servicing will not attempt to file a Notice of Default ( NOD ) or proceed with any foreclosure procedures. After listening to C/S XXXX delayed and scripted responses, she told me that she would look for any documentation that could be provided to me as borrower. The documentation that I requested was confirmation that I was included on the forbearance program. I was placed on hold for approximately 30 minutes to an hour. She eventually came back online but hung-up immediately without speaking or providing the information requested. On XX/XX/2020 I received three ( 3 ) calls from Bayview Loan Servicing demanding payment and late fees because payment was past due for the month of XXXX. Based on the agreement secured by California XXXX XXXX with several financial institutions and Bayview Loan Servicing 's decision to participate in the program, I should be included in the forbearance program, and NOT receiving harassing collection calls from Bayview Loan Servicing.
09/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 21037
 Web
I have several issues to address please : 1. - My loan modification was effective XX/XX/XXXX, and at that time, I asked my mortgage company, Bayview Loan Servicing, to please make my payment due dates the end of every month because, based upon how I receive my income, that 's when my funds would be available to disburse to them ; 2. - My payments began being late in XX/XX/XXXX when my ex-husband, during a very hotly contested divorce, contacted one of my credit card companies and authorized payment in full of my bill, which completely emptied my checking account. This incident was reported to the XXXX XXXX County Police who informed me there was nothing they could do to prosecute him because we were still married at the time ; 3. - In XX/XX/XXXX, I contacted Bayview Loan Servicing to make them aware of this incident and to inform them why my payment was late. Unfortunately, I was still charged a late fee for my payment being late that month, and they probably reported it to the credit reporting agencies, and I have been unable to get my footing and get back on track with my payments ever since ; 4. - In XX/XX/XXXX, I asked Bayview not to " pad '' my Escrow account with extra funds because, as a single mother to an XXXX child whose father does not pay the court ordered child support, I do not have the money to spare. I was told it was allowed by law ; 5. - In approximately XX/XX/XXXX, I was able to bring my mortgage payments current, or so I thought, when I sold some of my personal belongings and remitted 100 % of the proceeds to Bayview ; 6. - In XX/XX/XXXX, I again asked Bayview not to " pad '' my Escrow account with extra funds because, as a single mother to an XXXX child whose father does not pay the court ordered child support, I do not have the money to spare. I was told it was allowed by law ; 7. - In XX/XX/XXXX, Bayview inaccurately released funds from my Escrow account to pay in full 2 hazard insurance policies. I was forced to endure a barrage of harassing " debt collection '' phone calls until I was able to sort it out and funds from 1 of the hazard insurance policies were debited back to my Escrow account ; 8. - In XX/XX/XXXX, I received a statement indicating I owe late charges of {$1800.00}, unapplied funds are {$2400.00}, and past due amount is {$6000.00}. I disagree and feel Bayview 's records are inaccurate, and feel I have been excessively and inaccurately charged late fees. Bayview is and has been aware of my situation since the loan was modified XX/XX/XXXX, and has been steadily " padding '' my Escrow account despite my repeated requests for relief. At this point, I would like Bayview to cease and desist all Escrow activities associated with my home and loan so that I can begin paying those costs myself. This is the only way I will be able to break this horribly stressful cycle of Bayview increasing the payments I must make to my Escrow account, placing an undue burden on me, and making it increasingly challenging to make my payments in full on time and avoid being aggressively charged late fees by Bayview. Thank you for your time!
12/30/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
On XXXX XXXX, 2016, XXXX XXXX, made it totally clear that the reason why Bayview Loan Servicing is going to deny me a permanent modification in 37 days unless I signed the permanent modification violating my rights to give up the right to a trial by jury for the past, present and continuous wrong that has been done to our mortgage by Bayview Loan Servicing and XXXX XXXX XXXX. I completed my three trial modification payments in XXXX 2016, and have continued to make the payments ahead of time for 5 months. XXXX XXXX kept accusing me of receiving permanent loan modification packages that I did n't get. I told XXXX XXXX that I called Bayview Loan Servicing on numerous occasions notifying them that I had n't received a permanent modification package. I also told XXXX XXXX that I notified Bayview Loan Servicing when the second package came wet unreadable and late. XXXX XXXX became aggressive and combative stating Bayview Loan Servicing had the right to dual track my loan. He also stated that Hamp ends on XXXX XXXX, 2016, and after that Bayview Loan Servicing was going to foreclose on my home. He made it totally clear Bayview Loan Servicing Management is upset because I exercised my rights and filed complaints with the Consumer Financial Protection Bureau. XXXX XXXX also made it clear that I had no rights concerning the permanent modification no matter if it did violate my rights. XXXX XXXX also indicated Bayview Loan Servicing Management and Supervisors had flagged my mortgage file for these types of aggressive attacks toward my mortgage account.. XXXX XXXX , of Bayview Loan Servicing LITERRALLY ATTACKED ME, BULLIED AND HARRASSED ME AND WAS ANGRY AND AGGRESSIVE BECAUSE AS HE STATED BAYVIEW LOAN SERVICING MANAGEMENT AND SUPERVISORS HAD GAVE HIM PERMISSION TO DO SO, and I would try to get my Attorney to look over documents tomorrow XXXX XXXX STATED SO WHAT PEOPLE DEAL WITH STUFF EVERYDAY AND SOME PEOPLE LIKE YOU DO N'T WANT ANY HELP AND INSTEAD OF FILING COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU YOU NEED TO SIGN THE PERMANENT MODIFICATION PACKAGE AND FORGET ABOUT YOUR XXXX ILL HUSBAND BECAUSE UNFORTUNATELY WHEN DEALING WITH A PERMANENT BAYVIEW LOAN SERVICING MODIFICATION THEIR IS NO HUMAN ELEMENT TO IT. Basically my interpretation of that statement is XXXX XXXX, Bayview Loan Servicing Supervisors and Management feel as if because they have flagged my account to foreclose anyway that they do n't have to treat me human that my rights, my families rights, the five months that I have been paying ahead of time on my mortgage loan do n't matter because I am not human to them. Bayview Loan Servicing wants to harass me into signing away my basic constitutional right to a trial by Jury so that they can foreclose on my home BECAUSE BAYVIEW LOAN SERVICING AS STATED BY THEIR EMPLOYEE XXXX XXXX DOES NOT SEE MY FAMILY AS BEING HUMAN. Because XXXX XXXX was on speaker my daughter recorded him because as she stated he was so mean to me. The file was too big for my daughter to up load the whole entire conversation so you have a partial conversation attached.
01/11/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • CA
  • XXXXX
 Web
XX/XX/XXXX, XXXX transferred my loan service to Bayview Loan Servicing ( BLS ). Since I made my XX/XX/XXXX payment to XXXX, my payments were not starting until XX/XX/XXXX. During this time, I was at the last few months of my bankruptcy, and BLS had to submit a payment history, form XXXX, " Response to Notice of Final Cure Payment ''. This report indicated that I was 2 months behind. After review, I noticed discrepancies in the report. Based on my agreement with the court, I had to make all monthly payments. I submitted a inquiry to BLS along with information pertaining to my account to correct the issue. Over the last 9 months, I have been trying to resolve this issue. XX/XX/XXXX, I was given a point of contact, XXXX XXXX. My understanding was she was familiar with my account. She wanted me to apply for a loan modification. I told her I did n't want that, I just wanted her to review my account. She proceeded to tell me to go through the mod while case is being reviewed. Told her I would n't qualify, because I was working and making a nice income. A month goes by, not approved for the reasons I stated. It just seemed that BLS wanted me to endure more fees and {$750.00} appraisal fee. After all this, XXXX XXXX had none of my inquiries in my file and she could not even give me any information. Continued my inquiries into my account. On XX/XX/XXXX, I received a letter, I had to XX/XX/XXXX to bring my account current or foreclosure will be accelerated. On XX/XX/XXXX, I contacted BLS was given my point of contact for my account. His name XXXX XXXX. I set a phone meeting On Friday, XX/XX/XXXX, I started talking about my account and to discuss my inquiries into my account, to find out he has none of my information in my file. So 9 months of communicating and nothing in my file. I had to email all my documents so he could send to the research department for review. Since then, XXXX had communicated he would set up a payment plan and once the results from the review was complete, he would let me know. On XX/XX/XXXX, I received a response letter concerning my payment history from XX/XX/XXXX to XX/XX/XXXX, as well as, the missing 2 payment months BLS is stating I am missing. BLS could not supply me with any information prior to XX/XX/XXXX because they did n't service the loan. This is inaccurate because the BLS representative had to review my history to submit the form to my court trustee. This tells me that BLS has not thoroughly reviewed my account. My point of contact, XXXX XXXX, is doing the same thing XXXX XXXX did, trying to modify. I will not qualify because I work and my money to expense ratio is fine. It seems BLS just wants to continue to charge me fees rather than try to resolve my issue. I have supplied my bank statements, spread sheets, court docs, etc.. I even communicated to XXXX customer service. The last customer service rep I spoke with, stated that all payments were accounted for when account transferred along with my payment history. The rep did suggest I talk with BLS and have them re-set their bankruptcy system and log information.
09/09/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92562
 Web
Bayview Loan Services is engaged in Mortgage Service Abuse Bad Faith and Unfair Business Practices, and Breach of Contract. Bay view is material breach of paragraph XXXX of the Home Affordable Modification Agreement- for Loan # XXXX. -Exhibit-A XXXX and XXXX XXXX entered in to a loan modification with XXXX XXXX XXXX XXXX , XXXX. on XXXX/XXXX/XXXX with the first payment to commence on XXXX XXXX. The loan Servicer change on XXXX/XXXX/XXXX form XXXX XXXX XXXX XXXX, XXXX. Loan # XXXX to Bayview Loan Servicing Loan # XXXX. In XXXX XXXX after the third anniversary of the Loan Modification the homeowner contacted Bayview Loan Services in regards to status of the Deferred Principal Reduction Amount which had shown not change. In XXXX XXXX XXXX XXXX again contacted Bayview Loan Servicing to inquire as to the when she would receive the XXXX for the balance of the Deferred Principal Balance Forgiveness as per the final Modification anniversary date of the Modification XXXX/XXXX/XXXX. The Homeowner was told to submission a written request to Bayview research department which was done on XXXX/XXXX/XXXX. In response to the Homeowner written request Bayview Loan Servicing sent a letter dated XXXX/XXXX/XXXX Exhibit- B making no reference to the Deferred Principal Balance forgiveness as out lined in paragraph XXXX of Exhibit -A, But only {$660.00} accrual though Date XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX again reached out to Bayview Loan Servicing for further clarification as to why there was no action on the part of Bayview Loan Servicing for the Deferred Principal Forgiveness and spoke to an XXXX XXXX # XXXX who agreed that there should be a credit of {$49000.00} of the deferred principal that was to be forgiven. Exhibit -A Home Affordable Modification Agreement- for Loan # XXXX XXXX XXXX pages Pages XXXX paragraph XXXX -- modification date first modified payment will be due XXXX/XXXX/XXXX. Paragraph XXXX, new maturity date will be : XXXX XXXX, XXXX Paragraph XXXX the of the new note will include all amounts and arrangers that will be past due as of the Modification Effective Date ( including unpaid and deferred interest, fees, escrow advances and other cost, but excluding late charges modified principal balance of {$610000.00} as the new Principal Balance. Paragraph XXXX {$140000.00} of the new principal balance shall be deferred and will be treated as a non- interest bearing PRINCIPAL FORGIVENESS. The Deferred Principal Balance is eligible for forgiveness ( the " Deferred Principal Reduction Amount '' ) .Provided I am not in default on my new payments such that the equivalent of three full monthly payments are due and unpaid on the last day of any month, on each of the first, second and third anniversaries of XXXX XXXX, XXXX, the Lender shall reduce the Deferred Principal Balance of my Note in installments equal to one-third of the Deferred Principal Reduction Amount. The New Principal Balance less the Deferred Principal Balance shall be referred to as the " Interest Bearing Principal Balance '' and this amount is {$460000.00}.
06/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 20170
 Web
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX Re : Loan # XXXX, Borrower : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX VA XXXX. Recently transferred to XXXX XXXX, Loan # XXXX XXXX : Office of the President Certified Mail # : __________________________________ Dear President : Im writing the present letter to express my disappointment with the service received for the reference loan when it was under your administration. My mortgage account was transferred to another servicer, XXXX XXXX, without solving the main issue pending resolution since XX/XX/XXXX, after completing my three required trial payments of {$1900.00} ( XXXX, XXXX, and XX/XX/XXXX ). Since XX/XX/XXXX, I have contacted weekly your almost impossible to reach customer service number XXXX XXXX XXXX XXXX to request my approved final loan modification agreement. However, every time I called, I received the same answer : my case was approved, and the final documents should arrive soon to sign and notarize. Your representatives always apologize for their delay and explain that this delay came from the high number of similar cases handled by your company, which was understandable initially, but later became an absolute nightmare. Even though I completed my three trial payments, your representatives asked me to continue doing it in the following months. So I did it in XXXX and XX/XX/XXXX, payments for {$1900.00} ; however, when I tried to make my payment in XX/XX/XXXX, your representatives requested a higher amount of {$2100.00}, and then they continued requesting this last amount for XXXX and XX/XX/XXXX. Since XX/XX/XXXX, I have received several letters from your company requesting your signed Loan Modification Agreement that I never received. Moreover, every time after a letter, I contacted your customer service number. Your representatives stated that I should disregard those letters because they know in their system that the final documents are still pending to mail it. Last month XXXX, I was surprised to receive a letter from you stating that my mortgage account will be transferred starting on XX/XX/XXXX, to another mortgage company ( XXXX, XXXX # XXXX ). Your company initiated this process, aware that the main issue of the loan modification completeness was still pending to be resolved. I contacted XXXX XXXX today, and they confirmed that they have my account but no information in regards. They asked me to wait fifteen days to have at least some information about my account. This is the best description that I can get to explain my current situation and my deep disappointment with this process. I urged you to intervene and find a common-sense solution to allow me to preserve my home. Please understand that I was waiting more than six months for your documents to officialize the loan modification decision taken. I will be waiting for your response, Very truly yours, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX Copy : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( HUD Certified Counseling Agency )
11/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 961XX
 Web Older American
This is the second complaint filed regarding XXXX XXXX XXXX XXXX, specifically the servicer Bayview Loan Servicing who never responded to my original complaint. I applied for a loan modification earlier this year with XXXX XXXX XXXX XXXX. The modification process was being serviced by Bayview Loan Servicing. The purpose of my request for the loan modification is that my mortgage payment is {$770.00} with an interest rate of 6.750 %. I live on Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate at the same rate of 6.750 % .. The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation as the price opinion based on erroneous information. The broker noted my home as being a 2 bedroom, 2 bath home with a pool. This is false. I have a 2 bedroom home but only 1 bath and no pool. I live in a rural area. The 3 comparable listings they used had either more bedrooms or more bathrooms than my home. These other homes all have more rooms than mine and are priced above {$110000.00}. Since my home is smaller with fewer rooms it should be valued at significantly less than that. It 's noted that the average time on the market is 120 days. The 3 homes were listed for 4 months, 5 months and the 3rd at more than 7 months so the 120 day figure is inaccurate. Additionally since those 3 homes have not sold their list price should not be used as a barometer for what my home is worth. Of the comparable sales they cited only 1 property sold in excess of {$100000.00}, the other 2 were at {$74000.00} and {$75000.00} respectively. The high sale had a 3rd bedroom and was 1800 sq. ft. My house is only 1122 sq ft. I 'm not sure why they would say my house that has fewer bedrooms and is significantly smaller would be valued at nearly the same price!. Finally their report shows the condition of my house to be good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous are and have no central heat..I use a wood burning stove for heat in the winter. None of this was factored into the valuation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense. We disputed the price opinion in writing but Bayview did not listen and did not order a reappraisal Finally, Bayview referred my loan to an attorney to start foreclosure which while I was disputing the inaccurate price opinion and continuing to get my loan modified. This was in violation of the California Homeowner 's Bill of Rights as it is considered dual tracking.
03/14/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • IN
  • 46304
 Web
My mortgage is currently serviced by Bayview ( BV ). XXXX XXXX, which is the single point of contact assigned to our account. My loan is backed by XXXX XXXX ( XXXX ) and is currently delinquent. On many occasions, I have sought loss mitigation efforts with BV and contacted XXXX XXXX regarding the same. BV, has refused to process my loan modification and issue unclear underwriting determinations. Per E-3.4-01, Suspending Foreclosure Proceedings for Workout Negotiations ( XX/XX/2016 ), When a delinquent mortgage loan is referred to a law firm, the servicer must continue to work with the borrower to bring the mortgage loan current or finalize a workout arrangement up to the date of the foreclosure sale, unless the servicer has determined that all workout options are not feasible, to make a reasonable effort to modify the loan. Since the loan is insured by the XXXX, this regulation applies, as well as the liability reporting valid information to HUD / FA. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. BV, has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. BV, has set a foreclosure sale date for XXXX, during the period where mediation and loss mitigation should be occurring. BV, is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5. BV, has imposed a foreclosure sale date on XXXX. Overall, I feel deceived by BV, on a number of counts and I am seeking your assistance on this matter. While trying to acquire information on these workout programs BV, agent XXXX XXXX violated the FDCPA, failing to properly verify 3rd party or state the mini Miranda prior to disclosing personal account information on his call on XXXX. The mini-Miranda is merely one element of the substantial, complex regulatory requirements set forth by the FDCPA. For collection agencies, ensuring the appropriate use of the mini-Miranda and other communications is a critical component of regulatory compliance, and for consumers, its a valuable protection against unfair and deceptive debt collection practices. The FDCPA requires that a collector make meaningful disclosure of their identity when calling a debtor ( 15 USC 1692d ( 6 ) ) and that whenever communicating with a debtor, must disclose that the call is coming from a debt collector ( 15 USC 1692e ( 11 ) ). Therefore, on its face, this appears to be a violation of these two sections of the FDCPA. After all, they called, they spoke to the debtor, and they failed to identify who they are or that they were a debt collector. A collector can not pick and choose which sections of the FDCPA are better to violate. They can not violate any section. You can reach me via email at XXXX.
07/16/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33162
 Web Older American
XX/XX/XXXX BAYVIEW LOAN SERVICING , LLC XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX LOAN # XXXX I AM A XXXX CITIZEN WITH XXXX XXXX XXXX XXXX AND ALL THE PAIN THAT COMES WITH AGING AND YOU HAVE BEING TORTURING ME SINCE COVID19 EPIDEMIC CRISIS WHEN I LOST MY JOB. YOU RAISE MY MORTAGE FROM {$550.00} TO {$720.00} AS PER YOUR MORTGAGE CHART AND MY PRINCIPAL BALANCE WAS {$100000.00}. ALL OF YOU ARE DOING IT WRONG. YOU ARE SCAMMERS, FRAUDULENT, CROOKS, IMMORAL, CORRUPT. YOU ARE ABUSING THE GOOD FAITH GOVERNMENT PROGRAM TO HELP HOME OWNERS TO KEEP OUR HOMES IF WE WERE AFFECTED BY COVID19 NATIONAL CRISIS LIKE MYSELF LOOSING MY JOB BECAUSE OF COVID19. YOU HAVE BEEN SELLING ( SO CALL TRANSFER ) MY MORTGAGE WITHOUT MY AUTHORIZATION TO YOUR OWN SERVICING COMPANIES LIKE XXXX XXXX XXXXXXXX XXXX LOCATED ON THE XXXXXXXX XXXX XXXX TO YOU, ALSO TO COMMUNITY LOAN SERVICING, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ETC, ETC, ETC. THEN YOU PUT ME IN THE HANDS OF XXXX XXXX XXXX FROM CALIFORNIA WITH XXXX XXXX XXXX IN CHARGE OF HARRASSING ME. SHE IS DEMANDING {$18000.00} UP FRONT TO BRING MY MORTGAGE PAYMENTS CURRENT PLUS THAT I HAVE TO APPLY FOR A BRAND NEW MORTGAGE UNDER THEIR OWN TERMS AND CONDITIONS, WHAT A RIP OFF. I KEEP TELLING THEM THAT I AM WITH THE GOVERNMEN PROGRAM WITH BAYVIEW BUT THEY JUST IGNORED ME THAT MY LOAN WAS MODIFIED BY BAYVIEW IN XXXX OF XXXX TO PAY {$650.00} MONTHLY. THIS IS A STRUGLE THAT DOES NOT COME TO AN END BECAUSE YOU DO NOT CARE, YOU JUST WANT TO STEAL MY HOME AND OBVIOUSLY THE HOMES OF WE THE PEOPLE, LIKE BAYVIEW SAID " WE ARE HELPING THOUSANDS AND MILLIONS OF PEOPLE TO KEEP THEIR HOMES, XXXX. AUTHORITIES OF OUR COUNTRY THE USA, STARTING WITH STATE GENERAL ATTORNY XXXX ( GET THE FORM THRU THEIR SECRETARY ), FTC, XXXX XXXX XXXX, XXXX XXXX, FBI FROM XXXX, FL, ELDERLY SERVICES ... ... .... THEY ARE GOOD AUTHORITIES WILLING TO HELP US TO KEEP OUR HOMES, OUR HARD EARNED MONEY. THEY RAISED MY MONTHLY PAYMENT TO {$72000.00} IN XX/XX/XXXX TO SET ME UP FOR ME TO CONTACT BAYVIEW WHERE THEIR REPRESENTATIVE ENCOURAGED ME TO ACCEP THE GOVERNMENT PROGRAM, TELLING ME NO TO WORRY BECAUSE THEIR PROGRAM CONSISTED OF NOT PAYING MY MORTGAGE FOR 18 MONTHS, THEN 18 MORE MONTHS WITHOUT ME HAVING TO SIGN ANY DOCUMENTS, PLUS 9 MONTHS IN WRITING, PLUS SIX MORE MONTHS IN WRITING THEN IN XX/XX/XXXX BAYVIEW MODIFIED MY LOAN BUT STILL THEY WANT TO STEAL MY HOME. THEY HAVE TO HONOR OUR AGREEMENT. THEY REQUESTED MY AUTHORIZATION TO WITHDRAW MY MONTHLY PAYMEMTS FROM MY BANK ACCOUNT WHICH I SENT BACK WITH OVERNIGHT LETTER AND BAYVIEW FAILED TO COLLECT THE PAYMENTS SO THEY CAN ACUSSED ME FOR NON PAYMENTS THEN DEMANDING THAT I HAVE TO COME UP WITH {$5000.00} TO KEEP MY MORTGAGE CURRENT. THEY DO NOT CARE, THEY JUST WANT OUR HOMES. THEY DO NOT EVEN RESPECT OUR STATE ATTORNEY GENERAL WHO IS MONITORING MY MORTGAGE, THEY DO NOT FOLLOW THEIR REQUEST TO ANSWER THEM WITHIN 30 DAYS, THEY DO NOT DO IT. IT IS A LONG STORY I HAVE ALL DOCUMENTS SUPPORTING MY COMPLAINTS. GOOD LUCK. THANK XXXX
10/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95648
 Web
Hi, still once again after multiple times trying and getting nowhere this company has violated my Homeowner Bill of Rights. I have a very urgent matter once again due to a foreclosure sale on XXXX. FOR A LONG TIME NOW IM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
11/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
BAYVIEW LOAN SERVICING FAILED TO ANSWER COMPLAINT Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose. XXXX. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in I.C.2 in a communication to be sent to the borrower as indicated in I.A.18. XXXX. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case XXXX be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the XXXX XXXX XXXX, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXXXXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
07/05/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85224
 Web
I was at the end of a chapter XXXX bankruptcy when my note was transferred from Bayview Loan Servicing to XXXX XXXX XXXX on XXXX XXXX, XXXX. I was never informed of this transfer ( presumably due to the fact that the bankruptcy was not yet discharged on that date ) and continued to make payments to Bayview. XX/XX/XXXX I received my first piece of correspondence from XXXX, a NOTICE OF DEFAULT AND INTENT TO ACCELERATE. XXXX claims that when they took over the loan XX/XX/XXXX, the account was already two months in arrears and they only have payment through XXXX XXXX, making it perfectly legal for them to claim default. Again, I never received any correspondence suggesting that I owed more than I was paying. Additionally, XXXX claims that they sent all correspondence to me in a timely manner, only they sent it to the wrong address, so I never received anything from them, and they would have received the returned mail back at their offices. In fact, I still do n't have all of my statements from XXXX, though I have requested them via numerous phone calls, letters, and emails. I contacted Bayview to get a payment history to prove to XXXX that I had been making payments on time, every month, however, the Bayview representative that helped me stated that my account was closed and they could not access anything on my account except to tell me that XXXX was my new servicer and I needed to deal with them. ( Meanwhile, the payment history that XXXX was requesting that I acquire from Bayview as part of the proof they required was already in their possession, something they received from Bayview upon transfer of the note. ) I sent XXXX all of the proof that I could get from my bank ( cancelled checks and transaction ID numbers for electronic transfers ), and they denied my proof as being valid and submitted a Notice of Trustee Sale to me XX/XX/XXXX ( while I and my XXXX loan officer and his supervisor were supposedly looking for a way to resolve this highly damaging clerical error ). XXXX has added late fees, miscellaneous administrative fees, back payments ( which include payments for months that were already submitted to Bayview ) and attorney 's fees to the reinstatement amount, which is now in excess of {$13000.00}. In XXXX XXXX, exactly six months after XXXX acquired the note, XXXX returned my checks to me instead of accepting the payments toward my account - to date, they have only accepted funds for my account that were transferred over from Bayview, none from me directly. And if their payment history can be trusted as accurate, it also appears that XXXX has misappropriated the funds that they did accept on behalf of my account. They were charging me for taxes and insurance through an escrow account, but they had never paid those bills - they just paid them last month, AFTER I brought it to their attention. I have a complete history ( with dates and outcomes ) of correspondence and phone calls to both Bayview and XXXX that I would be happy to submit as well.
04/25/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 206XX
 Web
My loan has been sold numerous times from XXXX XXXX XXXX XX/XX/XXXX to XXXX, to XXXX, to XXXX, to Bayview Loan Servicing. I am not sure who owns my property now as I can not get anyone ( XXXX XXXX, my servicer from Bayview ) to return my calls or send me a loan modification package. After working with XXXX in XX/XX/XXXX for nearly a year to get an approved loan modification, I was approved only for XXXX to tell me that a new servicer would need to modify my mortgage. Then a month later, it was resold again to yet another servicer Bayview. Bayview has been sending property inspectors or field servicers to my home harassing me and my tenants as well as my neighbors. These inspectors beep there horns in the middle of the street, pace my home at all hours of the day and night, pull into my driveway, get out of their cars with my minor son standing outside and my XXXX barking- ready to bite. Specifically, they were here on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently Sunday XXXX XXXX at XXXX. The woman drives a XXXX Jetta and is XXXX and brings her family members onto my property. On XXXX XXXX this woman pulled into my driveway with my XXXX son standing there and the dogs barking. Both her and her son walk around my house, walk on my porch, taking pictures, even looking in the windows. My son called me and I told this woman and her young son NOT to enter my property, that I am not moving and that she is trespassing. She says " I am from the mortgage company '' and she refuses to show ID and she continues to enter my front porch, open garage, and looks into my windows taking pictures while we are home!!! I told her to take her pictures from the street which shows the home clearly visible and occupied. Her XXXX son said there are no trespassing signs and he can enter my property anytime. I told the son and XXXX mother I do not need any signs and not to enter my property again. On XXXX XXXX I sent a facsimile to the servicer, Bayview telling them that this is harassment and the inspector is trespassing and may get bite by my dogs. I told them to cease allowing their inspector or contractor from illegal collection actions. My tenants are upset, my son, and I am sick and have been missing time from work with the XXXX. On XXXX XXXX, my son pulled into the driveway to find this same woman in the Jetta on my porch peaking in my windows. The dogs were barking and this woman did n't care. My son told her I was n't home and she should leave because he is only XXXX. The inspector had a young woman and baby with her in her car. Then my tenant pulled into the driveway and asked if he could help them. The young woman in the car yelled obscenities out of the car window and they drove off really fast! I am seeking your help and requesting damages as this type of practice is unacceptable. I am again sending the mortgage company notification to STOP allowing inspectors to enter my property. Any help you can provide would be greatly appreciated.
11/15/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NY
  • XXXXX
 Web
I have made two previous complains regarding Bayview Loan Servicing attempting to charge me for a major mistake they made in paying a cooperative which attempted a non judicial foreclosure against me. They were given notice in XXXX 2016 by the cooperative ( notice of default ) Bayview said, and did nothing They were given immediately responses from me denying that I owed the cooperative the money they sought. Bayview said, and did nothing They were then given two different notices of termination letters from the cooperative for each unit. Bayview said, and did nothing In XXXX Bayview received two notices of public foreclosure Bayview for the first time contacted me via XXXX XXXX XXXX ( XXXX ), who basically asks me : a ) if I was aware of the actions being taken by the cooperative, and b ) what I was doing about same. I informed him then that I was aware of same, and that I was filing legal papers to combat their claim, and further that I did not owe them anything of what they were stating. When I asked him what the bank was doing he informed me " the bank does not get involved with these type of issues '' and that I needed to deal with it. On XXXX XXXX I obtained a XXXX from supreme court staying the foreclosure. On XXXX XXXX the bank paid the cooperative an amount of money never requested of me. The bank at no time told me they changed their mind, or even informed me that they paid after the fact. It was not till XXXX XXXX that I found out the bank had paid an innocuous amount of money that had never been requested of me by notice or verbally. The bank has refused to provide me with certain information and has stated it provided information but failed to submit it. Proof is in Case number : XXXX and XXXX. They have tacitly admitted that there was a breakdown in communications between XXXX XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX ( attorney ) in XXXX 2016 however it does not make sense that they would wait till XXXX when they were on notice in XXXX of the claim by the cooperative and my response which disputed the matter. They continuously state that all negotiations must be done between the Bank but stated clearly by XXXX XXXX XXXX ... '' they do n't get involved with these issues '' It makes no sense. I have attached a copy of the assignment of collateral document. It seems to make no sense and looks like someone just made it up. It does not comport to any of the XXXX which clearly depict XXXX, XXXX, XXXX, XXXX XXXX XXXX as previous secured parties to Bayview and nowhere is XXXX referenced. Their information does not match, they fail to provide information requested twice previously which the documents seem to indicate they will provide but no reference to them is made nor attached ( e.g. leases for both apartments, stock share for XXXX, and XXXX is not clearly readable, recognition agreements for both units, full proof of succession for both units, etc.. ) The bank made a mistake and now wants me to pay for it.
07/11/2022 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 33137
 Web
A debt collector has furnish deceptive forms in an attempt to foreclose on my home. We are currently awaiting trial XX/XX/XXXX. ( Complaint Attached ) At the very bottom of the Verification page it states " Pursuant to the Fair Debt Collections Practices Act you are advised that this office may be deemed a debt collector and any information obtained may be used for that purpose. Debt collector has filed a complaint to foreclose in violation of 15 U.S.C. 1692 i / and 15U.S.C. 1692 j furnishing deceptive forms to do so. Case number : XXXX IN THE CIRCUIT OF THE XXXX XXXX XXXX IN AND FOR XXXX COUNTY XXXX FLORIDA XXXX I am filing this complaint along with a motion for summary judgement in the state court. The debt collector has violated state and federal laws. Bayview Loan Servicing filed the complaint in court. Bayview Loan Servicing changed its to name to Community Loan Servicing. It's counsel is XXXX XXXX XXXX whom also is a debt collector. Bayview Loan Servicing transferred the alleged loan account to XXXX XXXX XXXX Doing Business As XXXX XXXX XXXX. In the midst of litigation in XXXX of XXXX. In the complaint the debt collector claimed standing as holder and furnish deceptive documents. The debt collectors have misrepresented themselves all documentation is fraudulent prohibited acts done by notary public by signing document with initials him and notarizing documents for employer in which they have a financial interest in. The judge and two attorney 's all three went to same law schools the whole case is based on hearsay from debt collectors.117.107Prohibited acts. ( 1 ) A notary public may not use a name or initial in signing certificates other than that by which the notary public is commissioned ( 12 ) A notary public may not notarize a signature on a document if the notary public has a financial interest in or is a party to the underlying transaction ; however, a notary public who is an employee may notarize a signature for his or her employer, and this employment does not constitute a financial interest in the transaction nor make the notary a party to the transaction under this subsection as long as he or she does not receive a benefit other than his or her salary and the fee for services as a notary public authorized by law. For purposes of this subsection, a notary public who is an attorney does not have a financial interest in and is not a party to the underlying transaction evidenced by a notarized document if he or she notarizes a signature on that document for a client for whom he or she serves as an attorney of record and he or she has no interest in the document other than the fee paid to him or her for legal services and the fee authorized by law for services as a notary public. ( Certification for Ownership of Instrument Attached ) and ( Notary registration from State of Florida ) Proving they work for the same company. The alleged creditor of the alleged loan is XXXX XXXX XXXX in which terminated itself in XXXX.
06/11/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32937
 Web
We sold our primary residence XXXX 2010. At the time of that sale, we executed a Restated Note for {$35000.00} in order to facilitate a short sale since that was required by Bayview Loan Servicing in order to sell our the home - they gave us no other choice. The sale of our primary residence was due to my relocation from XXXX to XXXX for work. Payments were to commence XXXX XXXX, 2010 for {$190.00} pursuant to the Note. I have an email dated XXXX XXXX, 2010 from XXXX XXXX, Residential Asset Manager for Bayview Loan Servicing- she directed us to send our payments to her attention at the address below:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXFor six months ( from XXXX 2010 through XXXX 2010 ) - we made the payment of {$190.00} and mailed it to the above address to her attention. NOT XXXX CHECK WAS EVER CASHED BY BAYVIEW LOAN SERVICING. Since I use online banking - my bank make all payments, they can verify that they cut the checks, mailed them to the address above and not XXXX check cleared. Due to the checks not clearing, I left several voice messages for XXXX XXXX in 2010 at the number she provided on her email signature - all with no response. In addition to no check ever being cashed and no response from the only Bayview Loan Servicing contact we had - we have NEVER received any correspondence whatsoever from Bayview Loan Servicing since XXXX XXXX 's email response to my inquiry as to where to send the payments - dated XXXX XXXX, 2010. There has NOT been XXXX letter, XXXX email, or XXXX phone call from Bayview Loan Servicing in over 5 years. No payment was ever cashed and there was no response to all the inquires we made to the Bayview Loan Servicing representative we were given. We did not know what to do - or where to send payments. Last week ... FIVE years after absolutely NO communication from Bayview Loan Servicing - I pulled my credit report only to find that Bayview Loan Servicing decided to start reporting this obligation last month and is showing it as delinquent. Five years - no communication from Bayview Loan Servicing - but arbitrarily decided to start negative reporting to the bureaus last month. In summary, we attempted to honor the obligation we made five years ago - but Bayview Loan Servicing did not. This obligation was completely ignored by Bayview Loan Servicing for almost five years ... payments never cashed, phone calls never returned and no communication in any manner from Bayview Loan Servicing was made to collect on this debt. Now Bayview Loan Servicing, in an attempt to collect on a debt that we attempted to pay over five years ago is using abusive tactics by reporting negative information to the credit bureaus. I have called Bayview several times and am getting nowhere - nobody can help me and they insist all they can do is review my " claim '' via fax or email. I have sent several letters. My credit is ruined now and I can not get anyone to discuss this matter with me.
06/12/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose. 3. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in I.C.2 in a communication to be sent to the borrower as indicated in I.A.18. 4. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case may be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
03/31/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Credit decision / Underwriting
  • AZ
  • 85041
 Web Older American
DATE : XX/XX/XXXX TO : Consumer Financial Protection Bureau FROM : XXXX RE : Complaint : Bayview Mortgage Application Dear Sirs and Madams, This complaint has three parts : 1. Extremely lengthy and scrutinizing loan review process ; 2. Error in the final mortgage approval decision ; and 3. NO Response from Bayview for clarification and correction. 1. Lengthy/Scrutinizing Review. I initiated an application for a mortgage modification with Bayview Loan Servicing several months ago in XX/XX/XXXX. It took Bayview 6 months to review and reach an approval decision on this application. During the loan review process I was required to submit many documents including bank statements, contract agreements and letters. Bayview at times requested the submission of the exact same documents and information from me. This process felt extremely and unusually lengthy and scrutinizing. It was confusing and intrusive making the continuing uncertainty and requests for documents XXXX. However, throughout this process I complied with each request and in a timely manner. See attached email communications A, B and C. 2. Error in Mortgage Amount Calculation. In XX/XX/XXXX Bayview approved a loan amount to be paid in a three month " Trial Period '' beginning XX/XX/XXXX through XX/XX/XXXX. The amount was not based on the information that was provided to Bayview but was higher and based on an INACCURATE salary of {$3800.00}. The difference between the original mortgage as of XX/XX/XXXX and the approved amount in XX/XX/XXXX was only {$120.00}. This was in error and did not constitute the kind of relief I was lead to be believe would result from the loan modification. See Document D. 3. No Respone from Bayview for Inquiries. In XX/XX/XXXX after receiving the information about the approved loan amount ( that was an error ) I wrote an email to Bayview requesting clarification on how this inaccurate amount was reached and for a correction. I made four attempts to obtain a response from Bayview on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There was no response from Bayview to my inquiries. The only reply was short sentence received on XX/XX/XXXX which stated : " Give me a moment to review and answer all questions ''. There has been no further response from Bayview to this date of XX/XX/XXXX. See Documents E, F and G. To date I am working out of the country and have requested that Bayview provide any information and documents to me via email - as they have done since XX/XX/XXXX. Additionally, I have completed the three-month trial mortgage period by making on time payments of {$1100.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was done not that these payments are affordable and should have been based on the income information submitted to Bayview - but were made to successfully comply with the request in the XX/XX/XXXX approval document. With kind regards, thank you for your assistance and consideration. XXXX
06/29/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose. 3. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in XXXX in a communication to be sent to the borrower as indicated in XXXX 4. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case may be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
05/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23188
 Web Servicemember
In XX/XX/XXXX I paid {$12000.00} to avoid foreclosure, Bayview Loan Servicing posted this amt. on XX/XX/XXXX w/ {$3200.00} placed in Unapplied Funds. How those funds were applied has not been explained. I received a statement dtd. XX/XX/XXXX stating next payment due XX/XX/XXXX for {$1500.00}. On the XX/XX/XXXX mortgage statement the next payment due date changed to XX/XX/XXXX and the payment amt. change to {$2200.00} with no explanation for the {$700.00} added as XXXX XXXX XXXX Bal. Since I was current I did not understand. I called customer service on XX/XX/XXXX requesting an explanation, I was told that my complaint was logged and someone would get back to me. However, I have since logged two addition inquires and have yet to hear from anyone. On XX/XX/XXXX I made a payment of {$1500.00} to be applied to the XX/XX/XXXX bill since that is when the statement stated as a due date. On XX/XX/XXXX I made a payment of {$11000.00} to be applied to the XX/XX/XXXX. The XX/XX/XXXX mortgage statement had a payment due date of XX/XX/XXXX which as far as I was concerned had been paid on XX/XX/XXXX however on the XX/XX/XXXX statement Bayview assessed a late fee {$56.00}. Bayview did not post a XX/XX/XXXX mortgage statement. On XX/XX/XXXX I made a payment of {$1500.00} for XXXX XXXX payment however on the XX/XX/XXXX mortgage statement I was assessed a late fee {$56.00}. They also report to the credit agencies that I had been 30 days late on my payments on more than once. From that point on it appears that Bayview Loan servicing has misapplied my payments or held them up. So much so that the {$600.00} payment I made on XX/XX/XXXX was not applied to the XXXX payment and because their statements are so complicated I can not tell when it was applied. By their records it appears that some payments were processed twice causing Insufficient funds fee in the months of XXXX, XXXX, XX/XX/XXXX and XXXX of XXXX. In addition from XX/XX/XXXX to XXXX XXXX Bayview added an additional {$71.00} to the required Escrow payment and from XX/XX/XXXX to XX/XX/XXXX an additional {$63.00} has been add to the Escrow payment for a shortage/surplus spread but the escrow projection does not add those additional amts. Bayview provides no accountability as to what the {$1300.00} has been applied to. On XX/XX/XXXX my homeowners insurance was paid in the amount of {$1700.00}, Bayview forecasted it to be {$1900.00}. The saving has not been credited to my account anywhere that I can see. On the XX/XX/XXXX statement Bayview states " misapplication reversal '' and shows a payment made in the amount of {$0.00} however in the month of XX/XX/XXXX I made payments totaling {$3200.00}. In my opinion Bayview Loan Servicing has misappropriated my money especially with the " extra '' money added into my escrow account. Holding mortgage payments in suspense is unfair to the customer even if that customer is late because Bayview continues to add fees.
03/08/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 77339
 Web Servicemember
Dual-tracking. XXXX started the home foreclosure process ( XX/XX/XXXX ) before reviewing/providing any information in regards to status of our loan modification or responding to my multiple attempts to contact them ; both by email and by telephone. When I was able to speak to an agent at XXXX on XX/XX/XXXX, I was told that our modification was received on XX/XX/XXXX was still pending review. When asked what 'pending review ' meant. I was rudely told " well ma'am, I 'm guessing it means no one has looked over it yet ''. On XX/XX/XXXX, I filed our first complaint with CFPB. On XX/XX/XXXX we received 4 letters ; 3 dated XX/XX/XXXX, each explaining that our loan modification was denied due to the information not being received by the deadline. The outlined deadline in the letter was XXXX/XXXX/XXXX which was the day the information was submitted to XXXX. The letter also stated that " in order to obtain more information regarding the denial decision '' I would need to send in a written request and " to discuss other foreclosure prevention programs, contact to discuss ''. The last letter was dated XX/XX/XXXX, stating they had received my inquiry ( a copy of the CFPB complaint ) and proposed a resolution date of XX/XX/XXXX was assigned. I called on XX/XX/XXXX twice and left messages for our contact ( which we have NEVER spoken to or heard from ) ; nothing was returned. On XX/XX/XXXX, I sent an email to the law firm handling our foreclosure outlining our concerns and challenges. On XX/XX/XXXX, I called XXXX again and I was able to speak to another rep who indicated WE WERE in compliance with the loan modification request ( the submitted date on our account was XX/XX/XXXX ) and that no further reason was listed for denial. She suggested I call the law firm who was handling the foreclosure. I called the law firm and spoke with the attorney working on our case. She informed me that none of our attempts at communication had been forwarded from XXXX and they had not heard from them since XX/XX/XXXX, even though we sent many notice of error emails, left voicemails, and sent an email to their HAMP Escalations Dept. in XX/XX/XXXX. The email the law firm received from me was sent to XXXX for review and a reply. XXXX has not sent a reply. We mailed a Notice of XXXX to XXXX on XXXX/XXXX/XXXX. We have yet to hear back. On XX/XX/XXXX our home set for auction. I called the county court house today and was told the file/listing was 'inactive '. I called XXXX and was told that no updated status on our home is listed. So I reached out to the law firm and within 10 min I was told that our home was auctioned and sold back to the bank. I am at a loss. We have a recently diagnosed terminally ill child which is a large contributor to our hardship and all we have been asking for this WHOLE time was for XXXX to allow us to pay the amount agreed upon/structure put in place by our original lender at the time of closing.
12/30/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
On XXXX XXXX, 2016, in a previous phone conversation, I spoke with XXXX XXXX of Bayview Loan Servicing regarding a letter I received on XXXX XXXX, 2016, from Bayview Loan Servicing stating " you notified us that you did not want to accept the offer. '' I told XXXX XXXX that I never notified Bayview Loan Servicing that I did n't want to accept the offer because I had never received the offer from them. XXXX XXXX became very combative and angry with me he stated that 's not what the letter said. XXXX XXXX also became extremely combative, angry and aggressive regarding permanent modification documents Bayview Loan Servicing claimed they sent that I never received until XXXX XXXX, 2016, with Permanent Loan Modification documents dated XXXX XXXX, XXXX Although I indicated to him over and over again that I never received the first set of documents and that the second set were water damaged and late and that I had notified Bayview Loan Servicing of this, and that I was back and forth between the hospital dealing with a terminally ill husband and had been checking the porch everyday, XXXX XXXX LITERRALLY ATTACKED ME, BULLIED AND HARRASSED ME AND WAS ANGRY AND AGGRESSIVE BECAUSE AS HE STATED BAYVIEW LOAN SERVICING MANAGEMENT AND SUPERVISORS HAD GAVE HIM PERMISSION TO DO SO, and he is bullying me XXXX XXXX STATED SO WHAT PEOPLE DEAL WITH STUFF EVERYDAY AND SOME PEOPLE LIKE YOU DO N'T WANT ANY HELP AND INSTEAD OF FILING COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU you should sign the predated XXXX XXXX, 2016, Permanent Loan Modification Documents that Bayview Loan Servicing dated XXXX XXXX, 2016, and put into a XXXX dated XXXX XXXX, 2016, that I did not receive until XXXX XXXX, 2016. Bayview Loan Servicing XXXX XXXX XXXX Manager was very angry, aggressive and combative with me and kept accusing me of not wanting help and not wanting to sign the permanent modification documents. XXXX XXXX told me it was going to be all bad for me if I do n't return permanent modification documents by tomorrow. XXXX XXXX ALSO ATTACKED ME ABOUT THE COMPLAINTS I FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU AND CHISTISED ME ABOUT THE {$1.00} COMPLAINT. Due to me having XXXX XXXX on speaker when I was talking to him my daughter recorded the phone conversation because she said he was so angry and combative and people should know what you go through mom. I am posting XXXX of the conversations in additional documents. My daughter stated she is posting all of the conversation on social media so that people will know what Bayview Loan Servicing did to her parents. XXXX XXXX also stated that if an Attorney tried to change anything including the statement violating my constitutional right giving up a trial by Jury that Bayview will deny my permanent modification. My daughter is posting the full conversations on social media. I have attached a partial conversation because the full conversation would n't
03/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 86401
 Web Older American, Servicemember
This is my email to Bayview Loan Servicing, Bayview Loan Servicing , LLC Customer Support XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Customer Relations Department at XXXX. Our hours of operation are Monday Friday XXXX XXXX to XXXX XXXX ET, and Saturday XXXX XXXX to XXXX XXXX ET. Loan Number XXXX Property Address XXXX XXXX XXXXXXXX XXXX, AZ XXXX Mailing Address XXXX XXXX XXXX, XXXX, AZ, XXXX, USA Interest Rate 11.2500 % OK, I have sought legal counsel on several issues. First, The property address is not XXXX XXXX XXXX XXXX, XXXX, Az XXXX. That was an office space I rented from XXXX until XXXX The correct site address is XXXX XXXX XXXX, XXXX, AZ XXXX. Make the necessary changes. Second, I reviewed the form XXXX and found a gross error that the Federal Trade Commission may be interested in. How is it I paid {$200.00} every two weeks, never missed a payment, and now I owe more at the end of XXXX than I did at the beginning of XXXX. I wonder how many mortgage payers are going to blindly pay the balloon you are creating. Thirdly, who is collecting the interest on the {$200.00} payments I am making until it is applied to the loan. That is my money, I expect that money to be applied as I pay it not held in your interest bearing escrow. Thus what are you doung with the extra payment a year I am making. I want to pay this not off not have you embezzle the interest you are earning at my expense. So, I more than request a full accounting of all payments applied when received and the EOY balance adjust downward where it should be. In the meantime, I will be filing a complaint to the FTC concerning your continued egregious inability at mortgage servicing. You should be shut down. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- end of email to Bayview -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This note was incepted originally with XXXX. They sold the note to Bayview and Bayview has sold it twice more since yet maintain servicing provider. I have had nothing but trouble with Bayview. I need to pay biweekly ; it took me three tries before they figured out how to take biweekly payments. Yet, they do not apply the payments to the note when they receive the payments, They hold the payments in escrow until the regular payment is due. That means I am paying 30 days interest on a sustained balance instead of 15 days. I am not being credited the interest they are earning on my money they hold in escrow. Then, they increased the EOY balance by the difference of the interest I paid and the payments I made. They are creating a balloon payment situation that I will never be able to pay when it is due. That is one reason for the biweekly payments to reduce that end of contract balloon. These people took over servicing XX/XX/XXXX and continue to demonstrate their inability to properly service loan accounts. They should be shut down.
02/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • XXXXX
 Web Older American, Servicemember
This is not the first time that I've contacted you concerning the following. I am a XXXX year old widowed XXXX senior citizen who is a Victim of Predatory Lending since XX/XX/XXXX. My niece who is My Power of Attorney, Attorney-in-Fact who handles all my affairs is writing this for me and has assisted me since XX/XX/XXXX. I've applied for help since XX/XX/XXXX, after being told that if I didn't pay the next full mortgage payment, not to send anything less then what they asked for. It unfortunately turned out to be much more then I could ever afford! I am also responsible to pay the entire Water ( $ XXXX/month ) and Electrical bill ( {$600.00} ) for the 2 family house besides my other bills. In XX/XX/XXXX, I went to The Neigborhood Housing Services of XXXX XXXX for help! I was told after their reviewing of my Mortgage Agreement, that I was in fact a " Victim of Predatory Lending ''. They said, there wasn't a single page in my agreement that provided proof of my financial ability to pay this mortgage in the first place. I have been to Court several times since then and was told by " TWO '' Court appointed Attorney 's ( I have proof in an email from one ) that it was in fact " Predatory Lending ''. I have submitted since then almost 10 Loan Modifications per year and have been consistantly rejected. Just recently, I recieved once again, a Notice of Sale for Judgment of Forclosure dated for XX/XX/XXXX ( this was sent regular mail in late XX/XX/XXXX and there is no date on this paper ). In XX/XX/XXXX, my niece spoke to a XXXX XXXX from Bayview Loan Servicing , LLC and was informed by her that I was to wait until my new Social Security & Pension comes in XX/XX/XXXX so that I would have more money to apply for another Loan Modication. So we waited until the following transpired. During the Month of XX/XX/XXXX my first floor tenant was approached by someone possibly from Bayview Loan Servicing that my home was in Foreclosure. She then decided that she was going to leave and break her Lease Agreement, because of her feeling threatened. While attending the many Court appearances, I was told by the Judge that as long as my tenants ( 2 apartment lessee 's ) had a two year lease, they were safe! But, when people come to my home and speak to my tenant 's they become scared and either decide to leave or not pay rent. This is not fair and has been going on since XX/XX/XXXX. Since that time I have contacted XXXX XXXX who informed me that she is no longer assigned to my case to please contact XXXX, an Assessment Manager @ Bayview. I have left messages consistently since then with no response from her or from Bayview? Please note that CFPB has every single detail of my dilemma on file! Please help me to keep my home!! Your prompt assistance in this matter will be greatly appreciated, because I don't know what to do next! Thank you ... ... ... ... ... ... ..
08/31/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95648
 Web
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. FOR A LONG TIME NOW IM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
10/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 217XX
 Web
I am writing because I had a mortgage with XXXX. I received a letter on XX/XX/XXXXnotifying me I could apply for a loan modification. I filled all of the requirements. On XX/XX/XXXX I received a letter notifying me I was approved for a loan with XXXX. The letter outlined our schedule with payment coupons. Enclosed are copies of the coupons and canceled checks. I paid all payments on time. Again on XX/XX/XXXX I received another letter form XXXX stating I qualified for mortgage loan assistance. I assumed the letter was an error. the letter is dated after XXXX accepted our second payment. A payment was paid to XXXX on XX/XX/XXXX, for XXXX, coupon # 1.Second payment coupon # 2 paid on XX/XX/XXXX.Unexpectedly I received a letter from XXXX notifying me that my loan would now be serviced by Bayview Loan Servicing, as of XX/XX/XXXX.XXXX did not abide our existing loan modification agreement. Afterwards I received a letter from Bayview Loan stating they would now service our mortgage as of XX/XX/XXXX.The letter was dated XX/XX/XXXX.Bayview then sent me a statement that the date of default was XX/XX/XXXX, this was untrue. A copy of item # 10 Illustrates. How can I default on XX/XX/XXXX, when they did not have possession of the mortgage untilXX/XX/XXXX? Again Bayview sent a statement dated XX/XX/XXXX that the date of default was XX/XX/XXXX.After that I received paperwork dated XX/XX/XXXX from the law firm XXXX, XXXX XXXX XXXX had filed fraudulent papers in the XXXX County Circuit Court that the mortgage holder was XXXX XXXX. Likewise, I was default as of XX/XX/XXXX.Enclosed is a copy, item # 15, listing law firms as filling fraudulent papers for mortgage companies. XXXX XXXX has not been possession of my mortgage for years. XXXX XXXX can not foreclose on a property it does not own. If XXXX XXXX is the legal possessor of our mortgage, then XXXX has fraudulently been collecting mortgage payments for years. Also, enclosed is a copy of a check I received from XXXX dated XX/XX/XXXX.The check is from a law suit settlement for accounts with XXXX balance/bankruptcy or had foreclosed on property. Item # 22. Now our home is in threat of being auctioned on XX/XX/XXXX with fraudulent paperwork. I have not applied for a loan modification, because who owns our mortgage? Who do I apply with? Likewise I have not contacted any of Bayview 's staff because who do I discuss this matter with. I have no trust in any of the forenamed companies. Frankly, I do not have confidence in their honesty. Will the next mortgage company abide by their modification? Obviously, XXXX did not. My husband had XXXX XXXX XXXX, a XXXX and numerous hospitalizations in XX/XX/XXXX.His doctors have informed me his health can not endure further excessive XXXX from this outrageous mortgage fiasco. I have been advised by legal counsel to request they " produce the note '' for my mortgage.
07/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95648
 Web
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. IAM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
06/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95648
 Web
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. IAM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
08/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28269
 Web
We have had a difficult time keeping up with the mortgage, and have been late on payments for a year now ( starting at the end of XXXX when the homeowner lost their job ; but not because of covid-19 ). We are almost always a month behind. BAYVIEW LOAN SERVICING LLC ( XXXX XXXX, Florida ) " took over '' the mortgage ( XX/XX/XXXX ) when XXXX XXXX finally gave up ( after 18 years! ) - apparently, XXXX could not tolerate our being behind one or two months at a time. We have never been able to get a hold of Bayview on the phone : wait times are more than an hour. I am sure they have a good excuse for that : they don't answer any written complaints either. Now they are " withholding '' the XX/XX/XXXX mortgage payment - they refuse to deposit the check, which they received on or around XX/XX/XXXX, in the same envelope with the separate check for the late fee ( which they successfully deposited on XX/XX/XXXX ). TEN DAYS AFTER THEY RECEIVED THE MORTGAGE PAYMENT FOR XXXX ( " Monthly Payment Due XX/XX/XXXX '' ) - that would be yesterday ( XX/XX/XXXX ), we got the " ugly '' letter from them ( sent by certified mail, no less ), copy attached. For clarification, our monthly mortgage payment is ( and has always been, ever since XXXX XXXX said goodbye ) {$880.00}. The late payment fee is ( and has always been ) {$23.00}, which we always write as a separate check because Bayview seems to have a XXXX of a time figuring out the two separate amounts if you combine them into one check. They also struggle with the amounts for Escrow and Insurance, both of which can change from year to year ; we know that our property taxes went up last year. I, a simple, lowly customer, can figure out the amounts after a bit of time and research, but I am not inclined to do their work for them. Additionally, Bayview has been trying to get us to pay " just a few extra bucks '' for an unspecified fee - it seems to vary from month to month and again, I am not inclined to do their work from them. They have yet to explain UP FRONT and CLEARLY what that " extra '' XXXX or XXXX bucks is for. We were told by XXXX XXXX that we would not be charged anything for them kicking us down to a second-class " mortgage servicer ''. I realize how insignificant my mortgage troubles may look in the big picture : however, I also believe that shady players like Bayview need constant reminders that I am not an easy target, and I will not quietly tolerate their less-than-subtle intimidation tactics. I fully expect they have a few more cards up their sleeves - all perfectly sanctioned by existing regulations, of course - and that the first chance they get, they will be playing more tricks. Who knows how easy it is to push senior citizens over the edge into foreclosure, which is even more profitable than " servicing mortgages ''! XXXX XXXX XXXX XXXX XXXX Loan Number XXXX
03/13/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 937XX
 Web
My name is XXXX XXXX in XXXX I bought a home in XXXX CA and it cost me {$570000.00}. I fell for the interest only for five years and in XXXX, I was able to refinance through XXXX Bank. For the past 4 years, I have never been late. I always pay my mortgage on time and pay extra on the principle. in XXXX, XXXX sold my home to a Debt Collection agency named Bay View. This agency uses fraudulent accounting systems. Every month I send extra money to pay off the principle, they set the money aside stating just incase I do not send full payment. When I use the phone to talk to them, the amount noted by phone that they received is thousands of dollars less than what I send. My payment is {$2000.00} per month and I send it {$3500.00}. I make the statement reflect that {$1500.00} if for additional principle payment reduction. Since XXXX of last year, each statement I receive does not reflect the additional principle until I call and have a great amount of XXXX to the point that I am on medication in order to deal with the XXXX they are causing me. In addition, there online service is so useless. I tried to send them an email and it did not go through. I tried to file a complaint, the complaint form was not available. It has been 12 months since I have been living in this nightmare called Bayview Collection Agency. I did not authorize XXXX to sell my home to BayView and Bayview is not a bank. It is a debt collection agency making me feel that they will eventually make me lose my home. They charge me interest on the higher amount instead of the amount after the principle is reduced. I sent {$3000.00} for the month of XXXX and XXXX of XXXX to be paid on the principle and they are holding my money into a special account. This is against the law. I am trying to pay off my home sooner so I do not have to deal with their fraudulent calculation. Can you please help me? I am so XXXX and feel they are ripping me off. They are not available to speak to on Sundays when I usually get a chance to finally check my mail. I work out of town and sometimes I do not get the mail during the week. You can call me on my cell phone XXXX XXXX XXXX XXXX. I wonder how many home owners in the state of California are not able to pay their principle down if they choose to do so. How do I get my account from under a debt collection? Who do I call? Do I have to pay a fee to get rid of this unethical agency? Is it legal for them to hold my money and not apply it to the principle as I ask? Is it against the law to pay my principle down? I am living a night mare and I am severely sick and ca n't possibly function knowing that there is an agency out there that is ripping me off. I work very hard even though I am legally XXXX. Can you please investigate this agency? And see what can I do to get my loan with a bank that will help me lower my monthly payment?
11/06/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 92114
 Web Servicemember
I submitted a modification packet to Bayview Loan Servicing in XXXX XXXX. I was initially working with XXXX XXXX and found him to be very helpful. He answered all my questions thoroughly. He asked me to contact him in a week for status. I called him back and he notified me that he was no longer my rep. and that I should contact XXXX XXXX. I contacted XXXX and is when my nightmare began. XXXX was never available unless she randomly answered the phone. I would leave her voicemail messages and never heard back from her. I started getting very anxious due to the time frame so I started emailing her and XXXX XXXX XXXX XXXX The emails then became effective and XXXX would contact me first and then XXXX would soon email me. The times I did speak to XXXX her responses to my questions were one worded. She told me time and time again that my account was being reviewed by the underwriter. She then after would request additional documents which I would send to her the next day if not immediately. I noticed some of the documents requested were already requested previously. I would then just resend them to her. I got very anxious due to the time frame and contacted the XXXX XXXX. They said there was no holds on the sale for XXXX/XXXX/XXXX. I immediately contacted XXXX she called me back and I explained to her that the sale date had not been postponed. She verbally told me that the home would not foreclose. I asked her to contact the XXXX XXXX. She did n't respond to my inquiry about contacting them but reassured me the home would not foreclose. On XXXX/XXXX/XXXX I received an email from XXXX requesting docs for the modification, being that the home had already foreclosed. I had been waiting everyday for new numbers so I could start making payments and move on and that never happened. I never got the opportunity. She completely misinformed me throughout the entire process. I feel she was just buying time as weeks would pass by without talking to her. I was actually in fear of getting on her bad side as she ultimately was the person handling my account. I was notified by XXXX XXXX early XXXX that the modification had been denied sometime in XXXX due to missing doc 's. XXXX never notified me of a denial and I never received any letters from Bayview Loan notifying me of a denial. He then recommended I speak to XXXX. After the home foreclosed, I spoke to XXXX and she denied the fact that she told me the house would not foreclose. I asked her for her manager 's information and she told me his name and gave me his wrong number, she said she could n't give me his email address due to company policy. I contacted XXXX XXXX later on that morning and I spoke to a woman who gave me his phone number and email. I sent him an email and left him a voicemail in hopes to getting the foreclosure reversed. The home was recurred back to the bank.
06/26/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • XXXXX
 Web
Whom This may Concern : All three of these complaint 's are tied in together. Our home we feel was unfairly foreclosed on XX/XX/XXXX at XXXXXXXX XXXX at the XXXX County Courthouse. 1. XXXX XXXX XXXX was the cause of all this. Had they worked with us none of this would have taken place. I would have been able to keep working as a Broker paarttime and kept our payments made on our first mortgage instead of trying to move me and everyone and everything our of a home we built, loved and wanted to keep. I put the home on the market for sale in case I could not save our home fast enough, then XXXX and XXXX XXXX XXXX would get their money and we would hopefully get some of the well over {$100000.00} equity we had tied up in the house. We built in XXXX. XXXX XXXX XXXX appraisal came in at {$430000.00}. In XXXX we put a extra {$20000.00} plus my husbands labor and another builders labor into the house. In XXXX I had a local appraiser appraise the house as they once work with XXXX XXXX XXXX. They brought the house in low at {$420000.00}. XXXX at XXXX was helping us second week of XXXX to get a loan modification with XXXX XXXXXXXX since the foreclosure was stopped on XX/XX/XXXX. XXXX said she subnitted the 185 plus page documentation to XXXX in the portal on XX/XX/XXXX. The next day XXXX calls me and said they had sent the loan to Bay View Loan Servicing. I was told to work through them for a loan modification. All the while XXXX had reset the auction foreclosure date for XX/XX/XXXX. There again tying up our hands from getting a loan modification through Bay View Loan Servicing or giving us a chance to sell at market value. They killed us by advertising our home up for a starting bid of {$200000.00}. XXXX lies when they said I said there were no changes in there letter. I told them there were no changes, except I had another few closings and I still was waiting on my XXXX taxes to be completed by my bookkeeper and CPA. XXXX XXXX XXXX XXXX denied us a loan modification. They said because it was within a 37 day period of XXXX foreclosing. I DO NOT UNDERSTAND WHAT BAY VIEW SERVICING WAS DOING WITH OUR LOAN WHILE XXXX WAS FORECLOSING. XXXX XXXX XXXX IS BEHIND THIS. our family is devastated. the buyer broke into our home the next day and changed the locks. My bookkeeper was there getting my washer and dryer when they broke in the kitchen door. We have been abused. Both banks could have worked with us. i proved by keeping in contact with them monthly and sometimes weekly that we were good creditors. we paid them, fell on our luck a few months and they stole our home. We are noe out of our {$100000.00} dolaars only retirement money we had. Bay View called on the XX/XX/XXXX to say they will be in touch. i told them they foreclosed on us. Please help get to the bottom of this. Respectfully, XXXX and XXXX XXXX
03/30/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 92706
 Web Older American
On or about XX/XX/XXXX my clients mortgage loan was transferred from XXXX ( XXXX ) to Bayview financial. My client was advised no to make the XX/XX/XXXX mortgage payment to XXXX, but to make the payment to Bayview. On XX/XX/XXXX, my client called Bayview financial and advised that she wanted to make the mortgage payment for XX/XX/XXXX and XX/XX/XXXX. On this day my client agreed to make two payment, through a Bayview Financial Check-by-Phone system which totaled {$4300.00}, and was written on check number XXXX. During this telephone conversation my client provided her bank routing number and checking account number from her XXXX checking account which ended in XXXX. On XX/XX/XXXX, my client again called Bayview financial to make a payment for XX/XX/XXXX. Although my client asked for the Bayview representative specific question regarding her loan, the representative would not release information to my client. On this day my client again completed a check-by-phone for the XX/XX/XXXX mortgage payment in the amount of {$2100.00}. My client used the same bank information that was previously used. Again on XX/XX/XXXX, my client called to make a mortgage payment in the amount of {$2100.00}, which was for the XX/XX/XXXX mortgage payment. During this conversation the Bayview representative did not inform my client that a check had been returned or not honored by her bank. My client specifically asked if there was a problem with the check by phone, and was advised during this conversation that there was not issue with the previous payments. My client utilized the same XXXX bank account, and the payment was withdrawn XX/XX/XXXX. On XX/XX/XXXX, my client and I spoke with Bayview financial and were advised that the mortgage payment completed on XX/XX/XXXX, and XX/XX/XXXX, had been returned as " unable to locate ''. During this conversation we requested that a research be completed regarding the check-by-phone, and the representative declined to open an investigation into this issue. Enclosed please find a copy of my clients complete bank statement for XX/XX/XXXX through XX/XX/XXXX. These statements confirm that my client had the funds available to make each mortgage payment at the time she provided the bank information. We request that Bayview review the call recorded for each transaction and validate that my client provided the corrected information for each payment, and that the Bayview representative failed to accurately input the bank information for each transaction. Also, if in the investigation, it is confirmed that Bayview committed an error when taking the bank information, I request that all late charges and negative credit reporting be removed from my client loan. Once this review is completed my client would like to make all of the payments on her loan to bring her loan current.
09/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 94582
 Web
The Bayview says there is no option for me to keep my home. Either I have to pay the total principal balance of {$980000.00} it will be auctioned on XXXX/XXXX/XXXX. I worked hard to save money for down payment and still work hard to keep my home. Bayview had my loan modification request for months and on XXXX/XXXX/XXXX the notice of auction that is scheduled to auction my home on XXXX/XXXX/XXXX posted on my home door then denied my request on XXXX/XXXX/XXXX. I, XXXX XXXX, got a mortgage through XXXX on XXXX XXXX. I was paying my payment on time till XXXX XXXX. My financial situation got changed when I lost my job after my youngest son got into head injury ( concussion ) while he was playing lacrosse game on or about XXXX XXXX, he still is going through treatment. I got job here and there but none of them was permanent. I could just bring the food to the table for the family oXXXX XXXX I fell behind on my mortgage payments ; I was a single earning member of the family with my XXXX, XXXX kids, and XXXX parents with loss of income because I got lay-off on early XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, XXXX, and only son of my XXXX parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another and be worry about my XXXX parents and my kids school while myself working full time. My family and I can not be homeless and sleep in street. I am requesting Bayview to reconsider my situation and put me in a reasonable payment plan. Bayview asks me to pay total balance of principal of {$980000.00} or will auction my home on XXXX/XXXX/XXXX.
08/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 75007
 Web
Bayview took over the servicing on our mortgage that we are behind on. We had an attorney that we hired to help us obtain a loan modification since our payments had increased. We were in a hardship situation due to the death of the primary supporter of the residence who was on the mortgage. Our attorney told us in XX/XX/2018, that we needed to file for bankruptcy to help get the mortgage modified. However, the attorney was incorrect and the bankruptcy court reprimanded him and dismissed the bankruptcy. On XX/XX/2018, we received NOTICE OF TRUSTEES FORECLOSURE SALE set for XX/XX/2018. We contacted Bayview to explain the situation with the attorney and that we would like to have a modification and keep our home. They instructed us to submit a Hardship Application. They said that they needed the copy of the death certificate and will so they could speak to us. I submitted those items immediately and received a notice on XX/XX/2018 from Bayview thanking us for submitting the application for loss mitigation. On XX/XX/2018, we submitted a Hardship application with all financial information that Bayview had requested. On XX/XX/2018, Bayview sent a letter thanking us again for sending the application for loss mitigation saying that within 30 days of their receipt of documentation, they will provide us with a written decision regarding our eligibility for an assistance program. On XX/XX/2018, Bayview sent another letter stating they had received the request for assistance from us, but were unable to consider this request because the submission date was too close to the proximity to the scheduled foreclosure date. I then contacted our loss mitigation representative, XXXX XXXX XXXX who told me that there was nothing we could do and that Bayview will not consider our application because we were within 37 days to the sale date. I pleaded with him for any help, including a short sale, deed in lieu of foreclosure, anything except the actual foreclosure. He said absolutely there were no options for us. On XX/XX/2018, we were informed by a private third party company, that our home WAS NOT LISTED FOR FORECLOSED ON XX/XX/2018. Subsequently, we have now learned that the actual posting date for foreclosure is XX/XX/2018, which is more than 37 days since the Hardship Application was submitted to Bayview. We have never heard back from Bayview again nor any attorney representing them. Our application should be reviewed and considered since we did submit it within the time frame Bayview requires. We were never given any rights to appeal their decision. We were given NO options or advice on how to proceed. We are upside down on our home due to structural foundation problem and hail damaged roof. We would like to keep our home and want to bring our account current, but need Bayview to help us.
09/23/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • XXXXX
 Web Older American
We would like to reopen CFPB complaint case XXXX because the representative for mortgage holder XXXX XXXX XXXX : Bayview Loan Service 's response of XXXX XXXX, XXXX XXXX see attachment ) to the original complaint was a lie : ( 1 ) Their representative, XXXX XXXX XXXX XXXX informed us in XXXX of XXXX our title was clear, and that there would be no further issues regarding our permanent modification. ( 2 ) He wrote in his response to you, which we received a copy of : " Once XXXX XXXX completes the final trial period payment [ which he did XXXX, XXXX XXXX will be mailed a loan modification agreement containing the loan modification terms detailed in the TPP notice as mailed on XXXX XXXX. '' ( see attachment ) ( 3 ) However, we just received an outstanding lien notification from Bayview dated XXXX XXXX ( see attachment ), stating there are XXXX liens in " Exhibit A '' ( see attachment ), and if not satisfied, the loan will be submitted to " modification denial review '' or foreclosure. This was sent after the time period in which our case with the Consumer Financial Protection Bureau was closed, on purpose no doubt. While we have fulfilled all terms of the trial agreement in a timely fashion, Bayview has not fulfilled theirs. No modification paperwork has ever been received. XXXX 4 ) Of the XXXX liens submitted to us as " Exhibit A '', XXXX are obviously bogus ( see attachment ) : & gt ; XXXX are from the State XXXX which date to a time when we resided in XXXX State and did not own this property. XXXX dates to XXXX while the other to XXXX. We purchased this property in XXXX. & gt ; XXXX are liens on a XXXX XXXX XXXX and a XXXX XXXX XXXX. My name is XXXX XXXX XXXX. Additionally, we do not recognize these XXXX so-called liens as being legitimate in any shape or form. XXXX XXXX XXXX XXXX of Bayview lied about our title being clear in the first place, and further, piled bogus liens onto our title. They have a history of playing tricks like this, and apparently are doing the same to us. This link leads to XXXX, XXXXstar reviews of Bayview Loan Services on Consumer Affairs XXXX Those reviews indicate a history of trick-playing stunts like the XXXX Bayview is currently trying to play with us. As supporting documentation, I have attached the following : ( 1 ) Bayview Loan Servicing , LLC 's original response to our original complaint, dated XXXX XXXX, XXXX. ( 2 XXXX Bayview Loan Servicing , LLC 's original proposed modification terms, dated XXXX XXXX, XXXX. ( 3 XXXX Receipts indicating I fulfilled the modification term requirements, dated, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, respectively. ( 4 ) The most recent communication from Bayview Loan Servicing , LLC, which now states there are liens on the property, XXXX of which are definitely fraudulent.
02/22/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NV
  • XXXXX
 Web Older American
On XX/XX/XXXXwe signed a modification with XXXX XXXX XXXXXXXX under the program of NV Hardest Hit with the purpose of receiving long term financial relief. The agreement among the Hardest Hit program and the lender was from the program to pay the lender toward the principal {$50000.00} and the lender to match other {$50000.00}, consequently, reducing from the principal balance {$100000.00}. According to the figures drafted by the bank the principal was {$220000.00} which represents an inflated principal from {$210000.00} to {$220000.00}. A total of {$130000.00} of the new principal balance shall be deferred. The total deferred principal balance will be treated as non-interest bearing principal forbearance and I will not pay interests of make monthly payments on this amount. The new principal balance less the total deferred principal was {$90000.00}. The standard contingent forgiveness principal balance total {$38000.00} all of which the lender agreed to permanently reduce and forgive the total deferred balance. XXXX XXXX XXXXXXXX, intentionally and maliciously offered me a second modifications that according to them was for my benefit on XXXX, and without disclosing to me the terms change of the loan offered me a 3.5 % interest a reduction of 1 % of my previous modification interest bearing, with the deceiving trick of taking away my financial long term relief from the modification of XXXX. They took away my benefit of having the {$38.00}, XXXX forgiven. And without disclosing this terms change to me and hidden the paperwork from my review they added this amount to the new principal balance making up to {$120000.00} which makes harder for me to pay the loan. This modification shouldn't be enforced because we signed the papers on XX/XX/XXXX and the bank rep on XX/XX/XXXX which it was not provided on the required date before XX/XX/XXXX. Consequently, this makes this second modification void, the first one of XX/XX/XXXX is active. XX/XX/XXXXXXXX clearly tricked us because we are elderly and minority. The NV Hardest Hit program was a great benefit to give us the opportunity to stay on our house and have a long term financial relief. The behavior of XXXX is clearly of a predatory mortgage lender. After the illegal change of my loan terms they passed the loan to one of their servicers XXXX, and presently to Bayview with the purpose of keeping me on the loop after inflating my mortgage loan and making more difficult for me to pay the entire mortgage loan and for they to repossess, sell, and make more profit. They transfer the loan one month after to XXXX which behavior showed that the purpose all the way from XXXX was to forclose on us by having XXXX to refuse payments until one day that they sent a threatening letter talking about forclosing and imposing more fees.
11/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
 Web
Dear Servicer I appreciate you assisting with matter. The matter remains unresolved. My tax payments being paid contract by XXXX continue to be applied to another party claiming ownership to my home. My concerns are third party continue to use my property tax statement and payments to claim ownership. As well as block refinance and title insurance to sale/buyer - options. At this time I want to keep my home. I may have no choose but to sale with constant abuse of my rights. The third party does not appear on title record as owner at no time. You have previously provided letter to confirm ownership in my name. Here is the latest email from XXXX below ; Consumer Reported Issue : Incorrect owner for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ( XXXX XXXX ) Hello XXXX XXXX, In an effort to assist you with resolving this matter I reached out to XXXX Dept of Consumer Affairs or XXXXDCA on XX/XX/XXXX and was referred to the Assessors Office / Ownership department. I spoke to XXXX in that department. XXXX confirmed the assessor record is accurately reflected as it was delivered to XXXX with the owner name of XXXX XXXX XXXX for property record XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. This information can only be changed by the county assessor within their property data records with the proper supporting ownership documentation. Therefore, I must suggest again that you please contact the county going forward to resolve any issue you may have with the source property records data that XXXX obtains from the county. XXXX has no authority to change the data. The contact information I used to confirm this information with the county assessor is : Assessor XXXX for English press XXXX, then press Option XXXX > Ownership. ( you will need your assessor identification number XXXX ) For your reference, the XXXXDCA, XXXX XXXX County Dept of Consumer Affairs phone number is XXXX. I sincerely hope this information helps, Thank you, XXXX XXXX XXXX Associate, Data Research & Resolution Enterprise Data Operations XXXX Since XXXX I have worked with XXXX to correct record multiple times - the realist report etc after the legal team investigated title records. However this time I made the mistake by disclosing whom was assuring me at XXXX. Now XXXX claims tax accessors controls whom owns property - she stated to me directly XXXX has corrected record multiple times and are not sure what to do. XXXX currenlty holds the contract to pay my taxes - my question to XXXX whom is XXXX paying taxes on behalf of. The XXXX title records reflects me as owner and third party as owner. The tax records are being used to STEAL my home. I have tried to resolve and have resolved some challenges except tax records. The tax record challenges continue to cause hardship in finances to name a few.
12/30/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
Bayview Loan Servicing continue to violate consumer financial protection laws of dual tracking foreclosing on our home while we are in an active workout. Bayview Loan Servicing has started a foreclosure or foreclosure sale in violation of loss mitigation rules. Starts a foreclosure or foreclosure sale in violation of the loss mitigation rules. Bayview Loan Servicing is actively foreclosing on our home after we have made XXXX payments on time and continue to make payments. The trial modification plan called for us to make XXXX active payments on time. Although Bayview Loan Servicing has failed to provide a permanent modification package until XX/XX/2016, we will continue to make payments. On XX/XX/2016, Bayview Loan Servicing claims I stated to an Asset XXXX that I declined the Permanent Loan Modification Documents they sent me. Bayview Loan Servicing stated " On that same day XXXX XXXX spoke with the Asset XXXX and stated that she declined the Loan modification offer. '' 1 ) Firstly, after our second Asset XXXX, XXXX XXXX left Bayview Loan Servicing failed to notify me of who my new Asset XXXX was. 2 ) The third XXXX XXXX never answers her phone and therefore I always leave multiple messages and she never returns phone calls to discuss the loan. 3 ) Bayview Loan Servicing continues to harass us and discriminate against us due to our XXXX by blatantly lying and making false accusations to cover up their neglect, unfair practices and. I would like to make this perfectly clear I NEVER DECLINED ANY PERMANENT LOAN MODIFICATION DOCUMENT FROM BAYVIEW LOAN SERVICING ON XX/XX/2016. I did n't receive any documents from Bayview Loan Servicing for a Permanent Modification Documents until approximately XX/XX/2016. Therefore, it would have been impossible for me to have stated to an Asset XXXX at Bayview that I was declining permanent modification documents I DID N'T HAVE. Bayview Loan Servicing claims they called us on multiple occasions and we did n't answer. 1 ) Bayview Loan Servicing NEVER called on the dates they indicated or multiple occasions. On multiple occasions I have sent qualified written request to Bayview Loan Servicing, Bayview Loan Servicing has failed to acknowledge my letter. Although Consumer Financial Protection Laws state Bayview Loan Servicing has failed to fix the error within the XXXX to XXXX days ( excluding XXXX, XXXX and XXXX holidays ). Bayview Loan Servicing has also failed to send us the information we requested or investigate and explain why no error occurred or the information was n't available. Bayview Loan Servicing has failed to state why they think they did n't make an error, and has failed to explain in writing why. Bayview Loan Servicing has also failed to explain why the information is n't available.
05/18/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 93103
 Web
We were approved for a HAMP Trial in XXXX XXXX by XXXX XXXX , but they transferred servicing of our loan to Bayview Serv icing before we could complete the Trial and make payments. So in XXXX XXXX the request for modification assistance b egan again with Bayview. During the past six months , all documents requested have been submitted and confirmed on several occasions. Each time, however , Bayview will t hen request more documents or " updated documents '' that should have been requested in the first place. Now they have pla ced a Sales Notice for XXXX XXXX XXXX on our door, even as they have communica ted NOTHING to us via regular mail, email or our account status on their website, which continues shows us under review for our modification. And yet a sale is underway. We have repeated emailed and uploaded complaints to Bayview o ver their handling of our modification repeatedly. No response except more document requests. Furthermore, our asset manager at Bayview has ig nored calls and emails asking for answers, and his supervisor has done nothing but say that just because we already uploaded the documents they are now requesting AGAIN to their website " does n't mean those documents shown on our website are in our actual system. It happens. '' Huh? And that 's OUR fault? To be clear, the only reason we have not been put into review and modified is because they do n't want us to go into review because they would have to approve us. We qualify. We did before with XXXX , we do now with Bayview. Th ey seem hellbent on foreclosing on our home, not helping us. They have n't even offered an workout options like a short sale. We have are already lined up several real offers with real buyers with a realtor ready to submit in case we do n't get our modification, an d yet Bayview is p laying it that if they do n't put us in review WITHIN THIS WEEK they will foreclose with NO other options presented to us. In conclusion : 1. We and Bayview al ready know we qualify for a HAMP Trial or in-house modification based on their own formulas. 2. Bayview in bad faith has never put us into review by repeatedly losing our documents, and then after we provide them saying they need more. This because they do NOT want to verify our income or qualifications. Because they already know we qualify! They have the pay stubs, the XXXX , the tax returns, etc.! 3. Bayview ha s at the same time pursued a dual-track strategy to foreclose on us in the meantime. 4. Bayview has offered NO other workout options besides foreclosure, and refuses to postpone the sales date while they " gather more documents '' or provide other workout. They are hellbent on RUNNING OUT THE CLOCK, i.e., sell our home.
03/01/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • XXXXX
 Web
My house is encumbered by a mortgage loan that is serviced by Bayview Loan Servicing. They have been giving me conflicting information and the runaround for over one year and now have set a foreclosure sale date for my home on XXXX XXXX. They have failed to review my recent financial information which indicates a change in income as well as the tax documents that they had requested I provide. I feel that they are in violation of the California Homeowner Bill of Rights and should not be moving forward to foreclose on me without giving me the chance to be reviewed for government and internal programs. This is an adjustable rate loan that I took out with other members of my family to purchase this home in XXXX. I am an XXXX XXXX veteran and currently out on a medical XXXX and live here with my wife and XXXX teenagers. I ran into problems because of this bad adjustable rate loan that started going up ( could go as high as 8.87 % ) and was pleased to get a loan modification in XXXX, which lowered my payment a little over {$200.00} a month. We made those payments as agreed for over two years but then ran into problems in XXXX. My daughter, who had been helping with the monthly payments lost her job. In that same time frame I had a death in the family and had to go back to the XXXX and help out with the funeral expenses. And to make matters worse, the person I hired to be the property manager for my rental home was assigning repair jobs to vendors who were not approved with my insurance company -- -which meant I had to come out of pocket to pay them. I ended up going to court over this, but lost. Due to all of these issues we fell out of our approved modification in XXXX XXXX. We immediately began reaching out for help at that time, and have literally been going around in circles for 18 months and now find ourselves on the verge of losing our home. We have all of the requested documentation ( past income taxes etc. ) and I also have my military pension and VA Benefits. My wife is now earning more money and I am being approved for medical leave XXXX pay. With these new and increased sources of income, we are in a position that we can afford a fair mortgage payment and this situation could be resolved. Bayview, as a recipient of bailout funds in the state of California, is required to review our current financial circumstances prior to a foreclosure auction sale. This has not happened, and I feel that our dedicated contact XXXX XXXX from Bayview is purposely denying us options. She asks for numerous documents and engages in communication, then tells us we ca n't get any help. Shortly after that we get numerous letters telling us that we qualify for help and to call in and send in our documents for review. It is confusing and wrong.
11/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • UT
  • 84062
 Web
Him XX/XX/XXXX, I worked with Envision lending in XXXX XXXX XXXX, Utah and XXXX XXXX who was representing Envision lending. The mortgage broker XXXX XXXX at that time helped me get into a adjustable rate mortgage and an interest only mortgage for our home with the understanding, if we made our payments on time in approximately three years we could refinance to a fixed rate mortgage and a lower interest rate. Around XX/XX/XXXX we reconnected with XXXX XXXX who informed us we could get a 5 % fixed interest rate because of our timely payment. On or about XX/XX/XXXX, I met with XXXX XXXX and signed a fixed rate mortgage with the understanding the mortgage would then be at 5 % mortgage. I began making my mortgage payments, on the new mortgage shortly thereafter. Several months later we were notified concerning a payment reduction on the mortgage. We paid the mortgage until we were put into a position financially where we could not afford the payment. We were sued by Bayview loan servicing , LLC, the alleged creditor, XXXX XXXX company the alleged trustee and XXXX and Associates the law firm that is representing XXXX and also owning XXXX in XXXX XXXX XXXX. I have never signed a contract or agreement with Bayview Loan Servicing , LLC, nor have I paid any payment, agreed to pay any payment or are in default to Bayview loan servicing LLC. I have defended the case pro se and in the process of reviewing what I could find in my records I came across to the envelope that included the mortgage information from the second mortgage that I had not looked at as I received it months later after I took out the mortgage. Inside the envelope I found XXXX CDs which contained XXXX separate loans. XXXX of the loans was signed XX/XX/XXXX, the other loan appears to have been signed on XX/XX/XXXX. We do not recall applying for a second loan nor being told we had taken out another loan. Also the loan from XX/XX/XXXX was a 6.627 % loan with the fixed rate and the loan on XX/XX/XXXX was a 5.62 % loan with a fixed rate. On XX/XX/XXXX I received a change of creditor notification f him rom Bayview Loan Servicing LLC. Under the FDCPA 1692, section 803 " definitions '' it appears Bayview loan servicing LLC is not a creditor as defined in 1692a ( 4 ) I am a consumer as defined in 1692 a ( 3 ). Bayview Loan Servicing , LLC appears to be a 1692 a ( 6 ) debt collector, collecting a 1692a ( 5 ) debt and are not a Party in standing but third party debt collectors attempting through a judicial foreclosure, to remove our family from the home. We would appreciate assistance in this matter as Bayview Loan Servicing LLC through XXXX XXXX have continued to move forward without proving standing. We would appreciate your assistance in the resolution of this matter.
06/11/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • XXXXX
 Web Servicemember
THE IDENTITY OF THE TRUE SECURED LENDER/CREDITOR Sub-Servicer Bayview Loan Servicing stated in writing that XXXX XXXX XXXX is the Master Servicer. The way Sub-servicer Bayview Loan Servicing and Master Servicer XXXX XXXX XXXX fail to state the identity of a true secured lender is Bayview will state XXXX XXXX XXXX is the Master Servicer and XXXX will answer you. The Master Servicer XXXX XXXX XXXX will say the loan was transferred to sub-servicer Bayview Loan Servicing LLC and Bayview will answer BOTH XXXX XXXX XXXX AND BAYVIEW LOAN SERVICING WILL NOT IDENTIFY THE TRUE SECURED LENDER/CREDITOR BECAUSE - Both Master Servicer XXXX XXXX XXXX and Sub Servicer Bayview Loan Servicing LLC have developed a scheme " THE BLAME GAME '' that doesnt provide us with the identity of a true secured lender. When Sub-servicer Bayview states that the owner of the loan was provided to us in a previous response - this is absolutely not true Bayview has never provided the identity of a true secured lender/creditor. Bayview Loan Servicing has never provided us with the Owner of the mortgage loan. Moreover, Bayview Loan Servicing continues to discriminate against us due to our XXXX and Bayview Loan Servicing continues to act, or practice misleads and has already mislead us the consumer. Due to fraudulent extensive criminal activity and fraud in this arena, and due to the fraudulent fake documents you provided to us to trick us into thinking they were authentic through the Consumer Financial Protection Bureau we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Bayview Loan Servicing LLC committed Deceptive Acts or Practices in response to multiple Qualified Written Request for the for the following reasons On multiple occasions we have requested through Qualified Written Request the identity of a true secured lender/creditor. Bayview Loan Servicing LLC has failed/refuses to give us the identity of a true secured lender/creditor and continues to operate deceptively by discriminating against us due to our XXXX. Specifically, we are disputing the following : a ). The identity of a true secured lender/creditor b ). The existence of debt c ). Your authority and capacity to collect on behalf of the alleged creditor/lender. Sub-Servicer Bayview Loan Servicing has committed the following acts against us : A representation, omission, actor practice is deceptive when : ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances ; and ( 3 ) The misleading representation, omission, act, or practice is material.
10/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MA
  • 01880
 Web Older American
In a process marked by years of unhelpful answers, incorrect, evasive and/or no information provided in response to over forty QWR 's, Requests for Information and Notices of Error to Bayview Loan Services ( BLS ), along with three CFPB complaints, borrower manipulation ( referred to as " customer service '' by bank servicers ) continues in light of the CFPB protections put in place. The latest involves a statement in an email ( attached ) received last week from BLS by my housing counselor in response to my application for a short sale on a home my servicer is ( wrongly ) moving to foreclose XX/XX/XXXX. In addition to the taxing make-work that my servicers have regularly required stating they ca n't find, read, etc. whatever might have been submitted, BLS has often played fast and loose with the truth. In the referenced email however, the first of three reasons stated by BLS as a reason for not being able to move forward with the short sale at this time, goes further. It contains a statement that is simply factually untrue. The statement reads as follows : " Pending access by the borrower and receipt of a full interior appraisal // THIS APPOINTMENT WAS CANCELLED BY XXXX XXXX PLEASE PROVIDE NEW CONTACT '' 1. No appointment was ever been made and therefore could not have been cancelled. 2. The false claim ( 1 ) By calling out the name of my authorized housing counselor when it was not, is both reckless and damaging to XXXX XXXX, potentially compromising both his reputation and position, and ; ( 2 ) now in the file record will be extremely damaging to me in the course of any foreclosure action should it occur, as well as that of any potential litigation I might purse should a wrong foreclosure go forward. I 've been fighting a wrongful default since XX/XX/XXXX - first with XXXX XXXX XXXX then subsequently with BLS - throughout which time I 've had to endure unending abuses, humiliations, evasions and as in this case, untruths. All remain in a file that I have consistently been denied the opportunity to review and one that will inevitably be used as a " factual '' record to support not only the latter 's continued bad behavior, but the real potential it will be wrongly rewarded with my home. See Case numbers : XXXX and XXXX. There is one additional complaint I submitted XX/XX/XXXX for which I 'll have to research the case number. Inclusive in this complaint is my request the false statement be removed completely from the account record with confirmation it 's been done in writing. Additionally, the last part of the statement referenced makes no sense and need immediate clarification. It reads " PLEASE PROVIDE NEW CONTACT. '' Specifically, what " New Contact '' is BLS requesting, contact for what and why?
02/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33458
 Web
On XX/XX/XXXX, my loan was sold by XXXX to Bayview Loan Servicing ( BLS ), with no notice to me. Within 10 days, I received a default notice from BLS. I called BLS and I was told I owed money to XXXX. I asked how much I owed XXXX and I was told I had to contact XXXX as BLS does not collect for XXXX, having no access to the XXXX system. I went into a local XXXX branch and the manager looked up my account and stated I was in good standing with XXXX. I then called BLS again and they stated there was nothing they can do because they show I owe money to XXXX I have since been to a total of three XXXX branches and the advised I am in good standing with them and I owe nothing towards my mortgage. I asked BLS how they can find me in default when the money was owed to XXXX, they said it must have been a mistake because my XXXX payment went to XXXX instead of BLS. After several phone calls to BLS, I could not get anywhere. They continued to insist that I owed money to XXXX. It was a Catch Twenty-two. The only way I can solve the problem was to pay money to XXXX, but XXXX would not take any payment stating I did not owe anything. So, I just kept making my payments as the attached Spreadsheet will show ( Exhibit 1 ). This exhibit details all payments from XX/XX/XXXX, the date BLS took over servicing the loan, and XX/XX/XXXX. As of that date, I overpaid BLS {$4500.00}. Additionally, these records show I made all payments due to BLS and I have completed these payments to the current date. During this time BLS changed their position and instead of claiming I owed money to XXXX, they stated I owed money to them, for XXXX, yet they took over servicing the loan in XX/XX/XXXX. BLS started charging me monthly fees, in amounts which violated my original mortgage documents, for being late, when it was obvious, I wasnt. They even told me previously that I did not owe money to BLS. BLS also was holding payments I made in Suspense meaning they were not crediting the monthly on-time payments I was making so they could charge me late fees. BLS has also reported my account as being late every month, year after year, to the credit bureaus, trashing my excellent credit rating, and preventing me from buying any properties now and in the future. This action is illegal and immoral. I have made every payment due to BLS since they took over the loan. I attempted to resolve any problem in XX/XX/XXXX but BLS stated I didnt owe them money, but I owe XXXX. XXXX has told me that BLS is not authorized to be a debt collector on their behalf. Why then is BLS trying to force unauthorized payments from me and ruining my credit rating? This is definitely not fair credit reporting when every payment owed to BLS has been paid on time.
04/26/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 06410
 Web
We were in the process working with XXXX on getting a loan modification. Uniform Borrower Assistance Form was sent to XXXX on XX/XX/XXXX. On XX/XX/XXXX We received a Here to Help letter from Bayview Loan Servicing, saying they understand financial circumstances may change affecting our ability to pay our mortgage and they want to offer assistance in case we are unable to catch up on missed mortgage payments. Options provided to keep our home include modify our mortgage, a Uniform Borrower Assistance Form was sent along with this letter. We did not send in any documents at all at this time. On XX/XX/XXXX we received and " official '' letter saying our mortgage loan was transferred from XXXX to Bayview. Also on XX/XX/XXXX we received a letter saying " Thank you for sending your application for Loss mitigation> " This letter confirms ore receipt of documents requested in your Initial Package Request '' ( We did not send anything ) and instructions to Submit documents. On XX/XX/XXXX Letter noting our dedicated point of contact and instructions for how to apply UBAF. And HAMP info. On XX/XX/XXXX, Letter saying they are using the UBAF documents from XX/XX/XXXX sent to XXXX and are being reviewed. On XX/XX/XXXX Letter saying Loss Mit. app is incomplete and needs form XXXX and must be submitted by XX/XX/XXXX. On XX/XX/XXXX ( before missing form was sent or received ) Letter received saying we were APPROVED FOR TRIAL MORTGAGE, the new monthly cost is XXXX ( which is lower by only XXXX ) I did call our point of contact to discuss the amount and see if we could re-file our UBAF because there was a significant change in our financial circumstances, His response was " Bayview is UNABLE to consider this request because The XXXX XXXX Flex Modification Trial Period Plan we have been approved for and currently making payments on ( we are not making any payments at this time ) offers the best available terms to us. Because the new Investor who owns this loan uses " The Waterfall Ranking Method '' and will deny any Foreclosure Prevention Options. Because our Loan has been approved for a Trial Period Plan this results in a denial for any other Foreclosure prevention Options Ranked below the option we are eligible. On XX/XX/XXXX Letter received again saying we have been approved for a Trial Plan. I called point of contact again expressing our concerns and he basically said if we do not make the first Trial Payment on or before XX/XX/XXXX Bayview will begin to FORECLOSE. On XX/XX/XXXX Letter saying Bayview " NOTICE OF DEFAULT AND INTENT TO ACCELERATE '' So it seems t us we Have No Recourse, No Options to Discuss and No Opportunity to Prevent FORECLOSURE from Bayview. IS THERE ANYTHING WE CAN DO?????
05/24/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • XXXXX
 Web
XXXX XXXX XXXX is a victim of mortgage fraud by and through the XXXX XXXX XXXX a nd XXXX XXXX XXXX , XXXX XXXX XXXX or an agent thereof, has committed, to include but not limited to the following criminal offenses of identity theft, forgery and fraud against, XXXX , the state of Georgia, and XXXX County, by cr afting, creating and forging, a fictitious loan security deed & note. Unbeknownst to XXXX , her mortgage was transferred and thereby illegally stealing her ownership of the deed of the property, located at XXXX XXXX XXXX , XXXX , GA XXXX . I have the utmost confidence that our investigations team will prove all of the elements of an insider s Financial Fraud for profit scheme that plagued America i n recent past. A criminal report of the alleged crimes are in the process of being investigated by XXXX Police Department Case # XXXX . A Fraud Report has been reported to The Georgia Department of Banking and Finance an d also with the District Attorneys Office hav ing jurisdiction where the property is located. Additional complaints and report of Financial mortgage fraud are pending as of the date of this most recent CFPB complaint. In conclusion, the alleged Trustee, XXXX XXXX XXXX XXXX XXXX , AS TRUSTEE FOR THE CERTIFICATE HOLDER OF XXXX IN. , ALTERNATIVE LOAN TRUST XXXX , MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX XXXX XXXX - XXXX , XXXX XXXX XXXX NY XXXX is also fictitiously created. Bayview in its letter dated XX/XX/XXXX , provided a contact # for the alleged Trustee as ( XXXX ). This number is actually for the promotional department of the XXXX XXXX not the alleged Trustee . ( Case law is attached to show proof that ) please see attachments identified as ( XXXX -AS-TRUSTEE-vs.- XXXX -Pages-from-the-AFFIDAVIT-OF- XXXX .pdf ) No interest can be transfered if XXXX XXXX XXXX XXXX nor XXXX dba XXXX XXXX XXXX XXXX nev er had any interest to transfer in the said property because it was NEVER a corporation in NEW YORK as indicated o n the Security Note and Deed. Because, XXXX XXXX XXXX XXXX has been proven to NOT be a corporation, incoporated in the state o f New York, Th e alleged lender was never licensed or registered to do business as a mortgage lender or broker offering residential loans in the state of Georgia, in XX/XX/XXXX . Therefore, XXXX XXXX XXXX XXXX , XXXX nor XXXX XXXX XXXX , can not prove any legitimately conceivable interest that could be assign to any said such Trustee XXXX XXXX XXXX XXXX XXXX , as decided as a matter of XXXX XXXX ( See attachment titled District Courts of Appeals .... )
03/20/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 141XX
 Web
XXXX sold my mortgage to Bayview Loan Servicing, located at XXXX. XXXX, FL XXXX, over one year ago. I have owned my home since XX/XX/XXXX and have never been late on a mortgage payment. Since Bayview Loan Servicing took over my mortgage and my escrow account, they have not paid my School or County/Town taxes on time and I receive late notices for the taxes that include penalties and interest. Long story short for the past year I have spent hours on the phone with this company trying to get this straightened out. In fact It all began with them having my last name wrong on the account. I was remarried in XX/XX/XXXX and XXXX had all of this correct after all of the proper documentation was sent to them. I finally got this straightened out with Bayview after numerous telephone calls and time taken away from my job to have this corrected however they still are not paying my property taxes on time. After many telephone calls, I went to my mom who works for the Town of XXXX. and she brought me to the XXXX to investigate. I then contacted Bayview again a number of times to advise that XXXX which is a third party that Bayview uses to pay the property taxes advised us that Bayview Loan Servicing inactivated my account on XX/XX/XXXX and they do n't know why so Bayview needed to take care of the matter and get the taxes paid. Bayview on my last conversation advised me again that the taxes are being researched and we should know something around XX/XX/XXXX. This I was told after discussing with them that the Warrant date for my property taxes to be paid is XX/XX/XXXX and this is going to create more penalties and interest not to mention this begins the vicious cycle again and does not correct the matter. I am at my wits end and this has caused my a tremendous amount of XXXX and is causing me problems at my job not to mention on my health. My next step is to contact a Lawyer but I do not have the money to do this as my husband is ill at this time and has not returned to work not to mention that I have no more time available to deal with this incompetency I other more important matters to address to with an ill husband, my job and children. I have asked my mom to step into help and I feel bad about this because she has a stressful enough job. She is going to sending another letter to Bayview to request that they release my escrow to my so that I can pay my own taxes. I can ' t take this anymore. I have had a few representative at Bayview including Supervisors that have tried to help and were professional however I have also had some that were rude, put me on hold and never came back, disconnected me and I even had a man swear at me and hang up. I ca n't deal with any more of this. Please advise.
08/17/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • XXXXX
 Web
My mortgage loan has been transferred to Bayview Loan Servicing and they have added a force placed escrow account to my monthly mortgage bill, even though I have been current on my insurance and property tax payments. Despite multiple attempts to straighten this out with Bayview, I have made no progress and this additional fee is part of my monthly statement which has caused major financial hardship for me. This is especially worrisome because my mortgage payment is scheduled to adjust next month with my payment increasing over {$1400.00} a month. I have called in to Bayview about this problem as well and they have said that they will possibly work with me, but based on my experience with them for the escrow issue I ca n't believe them. This problem began when I went to the county property tax assessor and challenged the value for my property. I opened up a dialogue with the assessor and presented him evidence that my property value was significantly lower than the amount assessed. The assessor AGREED with me but needed documentation and proof and needed the information to be processed through their system. As a result, I paid my property taxes based on the ESTIMATED tax that was going to be owed after the assessor processed my appeal of value paperwork. The county was fine with that as was I, but for some reason Bayview decided to step in and pay the original bill owed FOR ME, even though an appeal review was in process. Bayview believed I was avoiding paying my taxes and without any consultation added a forced monthly escrow charge to my bill. This has started a financial problem for me as I budget to pay my escrow twice a year, instead of being charged every month. My current mortgage payment is {$1900.00} a month ; this is due to a step modification that I received back in XXXX when my loan was with XXXX. I have made all payments on time, but the interest rate is now going up to 4.625 % and my payment is increasing to {$3300.00} a month ( not counting that additional escrow that Bayview has tacked on! ). I am still a small business owner ( I own a XXXX ) and business has never really rebounded after the recession in XXXX. I am able to make a decent living but have had to take on boarders in order to make ends meet. I am grateful that I received a modification back in XXXX but need Bayview to work with me to help me keep my home -- I have proven if given an affordable payment I will make it on time each month. I will not be able to survive the impending increase in rate and payment as well as the additional escrow fees Bayview is saddling me with. I am concerned that they just do n't care about their clients based on the way they have handled my escrow account
08/20/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 11768
 Web
The mortgage service company Bayview Loan Servicing LLC that currently services my mortgage has and is collecting more escrow each month than is necessary. They also have an excess balance in my escrow account that they should refund to us. This issue began with a reduction in our property tax of {$3700.00}. On XXXX XXXX, I sent a letter to Bayview with a copy of the tax bill ( attached ) showing the reduced payment of {$3700.00}, but Bayview had already paid the full amount of the tax {$7400.00}. In addition to the refund Bayview did not decrease the amount of the monthly escrow impound, which added to the excess in our escrow account. On XXXX XXXX we received a form letter from Bayview that they received our inquiry and that we would receive a reply. On XXXX XXXX The Town of XXXX refunded the tax overpayment of {$3700.00} to Bayview. On XXXX XXXX at XXXX I called Bayview and spoke to a rep named XXXX . XXXX informed my that Bayview had still not posted the tax refund to our account, but that she would order an escrow anylysis. On XXXX XXXX we received a check for {$2600.00} from Bayview indicating it was an overage refund, but there was no further explanation. On XXXX XXXX I called Bayview and and spoke to another representative and asked for a copy of the escrow analysis, which we finally received on XXXX XXXX dated XXXX/XXXX/15. The escrow analysis which is attached does not reflect the refund of {$3700.00} and it assumes a monthly impound rate at the higher monthly tax rate creating an excess of {$6500.00} in the escrow account. I called Bayview again on XXXX XXXX and explained this issue and asked to speak to a supervisor, but got nowhere. I told the rep that unless I received a revised escrow analysis by XXXX XXXX I would report them to the Federal Consumer Financial Protection Bureau. So here we are. Bayview should refund the overage in my escrow account of {$6500.00} which represents the tax refund noted above and the overage they have collected from me anticipating a higher property tax. Bavyview should also reduce the monthly escrow impound rate to {$1100.00} per month. Additionally if there 's any opportunity to fine them for keeping my money it should be pursued. I 'm certain that if they are doing this to me ( holding excess escrow ) they are doing the same to others, which is consumer fraud as it appears they are using customer money to finance other activities. Otherwise why make it so difficult for a customer to get resolution of an issue? Lastly I have always been concerned that Bayview identifies itself on the phone as a debt collector, not a mortgage servicer. I would like to understand just what regulatory agency they operate under? Bayview
01/17/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20876
 Web
I would like to bring to the attention the deceptive bait and switch practices of Bayview Loan Servicing a third party servicer to my mortgage loan with XXXX. I fell on financial difficulties and broke not XXXX but XXXX repayment plans not knowing that my repayment could extend for up to six months. In my initial repayment plan I was offered that option but in my second I was not and could not afford the over almost XXXX payment with Student Loans, Childcare for XXXX children as a single mom coming out of a messy divorce. That on XX/XX/2017 I received a call from XXXX XXXX who direct dial is XXXX and can be reached via email at XXXXXXXXXXXX regarding my delinquent account. During that phone call I expressed to XXXX XXXX that I would like to enter into a repayment plan. Telephonically we agreed to a XXXX XXXX where my default arrearages would be spread out over the period of XXXX months with my initial downpayment due on XX/XX/2017 in the amount of {$3500.00} and my subsequent due every XXXX day of the month for the next six months for the rest of the arrears. Fast forward contacted me on XX/XX/2017 to state that I was approved for a loan modification where my loan would be essentially be restarted and will be over the next 40 years. Because I was in the midst of a emergency family matter I could not address the issue but later contacted XXXX XXXX and alerted him this is not what we agreed to. I would like the Maryland State Attorney, HUD, CFPB and other regulating agencies to investigate my loan and other consumers that may have fallen plight to something like this. While I understand that it may appear beneficial we all know that a restart of my loan for 40 years does not benefit me but the mortgage company. More importantly XXXX XXXX 's repayment schedule and plan that he claimed is on its way well let 's just say I never received it. XXXX XXXX contacted me today XX/XX/2017 stating that my call was on a recorded line. I in turn stated that Maryland XXXX requires that if I am recording our conversation that he was on a recorded line as well. XXXX XXXX stated that it went against Bayview business practices for consumers to record him. I let him know that I am sorry he feels that way but having been deceived by him I can not speak to a company that wants to record me but they not want to be recorded does not even make any plausible sense for a consumer to fall plight to something. Because Bayview will not willingly provide the transcript of the Repayment Plan I am asking for CFPB to intercede and get the schedule and transcript of calls in XX/XX/2017 to prove this material fact. I also ask that XXXX XXXX is held accountable for this as well by Bayview.
08/11/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • FL
  • 32082
 Web
On XXXX XXXX of 2015 we closed on our house. We were told by the closing attorney that we had to come to closing with almost {$5000.00} over and above the loan payoff amount because, Bay View loan services, our mortgage lender said they wont prorate the loan past the XXXX of the month. So we effectively paid penalties of {$77.00} per day for the entire month of XXXX even though we sold the house on XXXX XXXX. I then received a letter from Bay View saying they received our payoff on the XXXX of XXXX and that we would be refunded our overpayment and our our escrow funds in the amount of {$4900.00} in 21 days. On XXXX XXXX, 28 days later, I called to see where our check was. They informed me that the address they had on file was wrong and the check had to be reissued. I said ok, corrected the address error and waited another 2 weeks. When I called back on the XXXX of XXXX, I was informed AGAIN that the address was still wrong and had not been corrected from the previous call. At that point I asked for a supervisor and was put on hold and then hung up on. My wife tried the same day and the same thing happened. I waited and called again on the XXXX of XXXX and was assured on that day that a new check had been issued and we should have it within the next 7-10 business days. On XXXX XXXX I called again because we still had not received the check, I was told that it was sent and to please be patient. I called them again today and finally got someone in customer service. They informed me that according to their records multiple emails had been sent to the department in charge of this and they had all gone unanswered! No check had ever been reissued! Which means everyone that I spoke with lied to us up until today. The customer service manager that I spoke with assured me that the matter was being looked into now and that I would hear something by the end of the week. We are now 72 days past closing. To make matters worse, when they gave me the amount that was to be paid back to us was wrong. In XXXX of 2015 we received notice that our current mortgage with XXXX was bought by Bay View Loan XXXX We made our XXXX 2015 payment to XXXX which in turn sent the check to Bay View XXXX who then cashed the check. You will notice the cancelled check in the documents sent. However, when our XXXX statement came from Bay View, it had not reflected the XXXX payment. So the payoff amount at the time given to the closing attorneys was wrong. This company owes us our escrow overage, the penalties for the month of XXXX and the XXXX principal and Interest payment. All totaling over {$8000.00}. My wife and I are at our wits end with this and are not sure where to go from here.
07/01/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 10305
 Web
Lender : Bayview Loan ServicingLoan # : XXXX would like to report a fraud committed by Bayview Loan Servicing Company. My initial loan servicer was XXXX XXXX and I was working with them for the long time to get my loan to modify and get affordable monthly payment. I was provided them all required documentations. In XX/XX/XXXX, when I was in the process of loan modification review and trial payment plan, XXXX transferred servicing of my loan to Bayview Loan Servicing. According to the HAMP/MHA and Servicing Disclosures they were obligated to transfer all my financial documentations regarding my loan modification. But, as I found later, they did not provided to Bayview Loan Servicing copies of my bankruptcy discharge papers, which took place back in XX/XX/XXXX, and I was provided to the XXXX copy of this document. On XX/XX/XXXX, I was approved for permanent loan modification by Bayview Loan Servicing, copy attached. As per the instructions, I notarized XXXX copies, and mailed back to the bank, and began paying my new modified payment as of XX/XX/XXXX. All my payments were done on time over the telephone, and bank never told me that my loan modification is canceled. Suddenly I received a letter from Bayview Loan Servicing that my loan modification was canceled due to not providing to the bank prove of clean title, and I supposed to be still in the bankruptcy. I contacted the Bayview Loan Servicing and they told me that I never replied to their request to provide clean title documentation. I never received any letters from Bayview Loan Servicing requesting the prove that my bankruptcy is discharged. They told me that letter was sent to me by XXXX, but they could not tel me when or provide me with the prove of tracking number receipt. During the conversations with Bayview Loan Servicing representatives I was told that they do not care and my permanent modification is canceled, and my loan is referred to foreclosure department. Also, they returned my last payment through XXXX, XXXX XXXX XXXX, XXXX, copy attached. Bayview Loan Servicing representative told me to re-apply for new loan modification. I found this actions by Bayview Loan Servicing in violation of Bankruptcy Law, even if borrower in the bankruptcy the servicer is required to consider loan modification application without requiring you to reaffirm, or reinstate, your personal obligation on any discharged mortgage debt. I can not start this process again after years I spend to get my permanent loan modification. I 'm requesting to re-instate my permanent loan modification was approved and accepted on XXXX. I 'm requesting to re-instate all my monthly payment and bring my account current.
03/23/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 331XX
 Web
After months of diligent efforts by our firm, XXXX, and our clients, we finally received a modification offer from Bayview in connection with our clients ' request for mortgage assistance application. A representative from Bayview called our firm to disclose the terms of the offered modification on XX/XX/2016. During said phone call, the Bayview representative stated the interest rate would be fixed at 2 % for the first 5 years and then it would increase each year until it reached 3.375 % at which point it would remain fixed at that rate for the remainder of the loan term. Our clients accepted the modification offer and began making payments as directed under the trial agreement. Then in XX/XX/2016, Bayview sent our clients the final modification agreement to be executed and returned. Even though Bayview had previously laid out the terms of the modification, the final agreement contained a substantially different material term. More specifically, the final agreement stated our clients ' interest rate would increase up to 4.125 % instead of the 3.375 % previously agreed upon. Given the large balance of our clients ' loan, this seemingly small difference results in an additional {$200000.00} in interest that will be due and owed by our clients. Our clients accepted the modification offer based on the terms as specified on XX/XX/2016 and now they are being forced to continue with the improperly changed terms due to the fear of losing their home. In addition to the improper change of max interest rate, Bayview has also imposed illegal or otherwise improper fees on our clients ' mortgage account that are explicitly prohibited pursuant to the terms of the modification agreement. The final agreement includes the following provision : " Borrower and Lender agree that if there is a pending foreclosure action that results in a voluntary dismissal as a result of a modification or a similar settlement between Borrower and Lender then Borrower and Lender will each pay for their respective attorney fees and costs and neither party will be responsible for the other parties attorneys fees and costs. '' Despite the foregoing, Bayview has tried to collect numerous foreclosure fees and costs in violation of said provision. Bayview has imposed almost {$10000.00} in foreclosure attorney fees and costs since the modification has become effective. Moreover, Bayview imposed more than {$20000.00} in foreclosure fees and costs on the borrowers that were added into the modified principal balance of the mortgage loan. Since the foreclosure action was voluntarily dismissed, our clients are not responsible for any of Bayview 's or the lender 's attorneys fees or costs.
03/12/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • AZ
  • 85024
 Web
This is regarding CFPB # 's XXXX and XXXX. I am attaching the first XXXX pages of the approved loan adjustment agreement ( Loan Modification Papers ) that I received from XXXX on Thursday XX/XX/XXXX. I had just wrote to you last Saturday, XX/XX/XXXX regarding another issue with Bayview loan not crediting my account where they have admitted fault on wrongfully foreclosing and adding a plethora of charges and fees to my loan regarding the wrongful foreclosure These have yet to be corrected and I have now asked 3 times to no avail. I received a call from a XXXX in the Customer Advocacy Team Department saying they were in receipt of the CFPB letter and assured me that 1 ) I would be receiving an answer on my loan modification, 2 ) the current foreclosure ( XXXX XXXX ) auction date of XX/XX/XXXX is ON HOLD, and 3 ) that I would receive a letter explaining the credit ( s ) to my account where Bayview 's errors from the wrongful foreclosure and any other fees/charges were put on my account and also regarding my NOE letter from XX/XX/XXXX. On Thursday XX/XX/XXXX, I received the loan modification papers from XXXX. I was approved. However, I was n't happy because NO credit of ANY TYPE is included to adjust the amount owed to Bayview. I called XXXX to let him know this. XXXX told me XXXX was unavailable and XXXX said XXXX only was letting me know that my letter from CFPB was received and if I had any other issues. I told her I need to talk to him regarding our conversation she said I have to talk to XXXX XXXX. I called XXXX to let him know the credits are not included on the loan modification papers. XXXX tells me I will have to write a letter to the Bankruptcy department but send to his attention regarding my credits not showing. I asked why do I have to write ANOTHER letter when I have been waiting since XX/XX/XXXX for these credits to appear and for Bayview to rectify this entire mess. I said I have written 3 letters regarding my credits as it is. I asked if I could please talk to the bankruptcy department. XXXX said he can not put me through to that department but that we have time and sarcastically ( as he usually is! ) said you said that XXXX said the foreclosure is on hold, did n't you? Why do n't you have XXXX call me ( this is the realtor that I was trying to see about selling my home that said he would help me with my loan modification to make sure it goes smooth, he would have to charge me XXXX and took a check for XXXX from me - all he has done is had me sign a paper stating I am allowing him to talk to XXXX XXXX and has called XXXX about three times - NOT HAPPY WITH " XXXX XXXX XXXX ''. continued on # XXXX of this form on " My Information ''
06/05/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 48205
 Web
My name is XXXX XXXX and again this is a complaint against Bayview Mortgage Company. Bayview called my home owners insurance company which is ( XXXX ) and just decided they wanted to pay the balance of my insurance. I got a email from XXXX XXXX telling me that my home owners insurance had been paid in full and I know I did n't do it they take the money out of my check monthly and it is n't due until XXXX XXXX. XXXX XXXX told me they did n't know why Bayview had called them they did n't call Bayview nor did they send them any information stated that I was late or behind they thought it was strange but went on and gave Bayview my total balance which is XXXX. XXXX XXXX takes my home owners insurance out of my check monthly. XXXX XXXX told me that Bayview paid the balance on XX/XX/XXXX and that they had already taking my payment out for XX/XX/XXXX. Now Bayview already went up on my mortgage from {$470.00} to {$680.00} a month because they paid my property taxes which I was late and I understand that but not raising my mtg up that much. I am still in the process of fighting with them about this cause my check is only {$570.00} bi-weekly how do they think I can pay {$680.00}. I had explain to you prier that Bayview had put me in a escrow and that I had to make up the difference which was {$8100.00}. I got a letter from Bayview denying me to lower my mtg payment they said that I was bringing in {$3100.00} a month I had sent them the months of my check stub they requested and both of them together do n't total this amount. I called them to see where they came up with this figure and no one seems to know or even give me an answer they just keep switching me to different departments. I called Bayview and asked them why they called my insurance company and did this the man laughed and said oh we just thought you wanted this. I asked him why and I cant even pay what my mtg is now he did n't even have a answer for me again no one seems to know anything about why things are happening to me and my house. Please can you contact Bayview and request that they again stop calling my insurance company and to figure out why they do n't want me to stay in my home. I have never been late with a payment not even since they raised my mtg payment but I could only send them {$470.00} instead of {$680.00} for XX/XX/XXXX. Now since Bayview had paid my insurance in full now my next payment is going to be even higher why I just wan na know why are they doing this. My XXXX XXXX is high this is my only home I do n't want to get evicted I am doing the right thing my house is up to code I have never been late in any payments with anyone can your company please help me.
06/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
XXXX OF XXXX AND BAYVIEW LOAN SERVICING FAILURE TO POST PAYMENTS CORRECTLY, FAILURE TO PROVIDE CORRECT STATEMENTS, PROVIDING CONSUMERS WITH FRAUDULENT DOCUMENTS THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX provided Bayview Loan Servicing with fraudulent documents to respond to multiple complaints we filed with the Consumer Financial Protection Bureau. Therefore, due to XXXX XXXX XXXX and Bayview Loan Servicing responding to multiple Qualified Written Request with fraudulent documents through the Consumer Financial Protection Bureau and through the United States Postal Service we are experiencing harassment and retaliation due to us reporting these schemes. During the duration of the trial modification payments, Bayview Loan Servicing continuous failure to accept a m onthly loan payment from us and post it to our account correctly started on XXXX XXXX and has continued through the present. Bayview Loan Servicing is a XXXX dollar corporation, currently they manage approximately {$11.00} XXXX dollars. Therefore, its difficult to understand why its so terribly difficult for Bayview to accept a monthly loan payment from us, post it to our account correctly, update our statements, update their automated system with the information correctly, and manage the day-to-day operations of our loan without continuing to compound multiple continuous errors. Upon us complaining about the compounding errors, schemes and shams committed on our mortgage loan by the previous servicer, predatory banker, Bank XXXX XXXX continues to do nothing about our complaints in fact, Bank XXXX XXXX has intensified the well planned scheme and has involved Bayview Loan Servicing by providing Bayview with fr audulent documents to provide to us and Bayview Loan Servicing upload these fraudulent documents to our portal at the Consumer Financial Protection Bureau as well as mails these fraudulent documents through the United States Postal Service. XXXX XXXX XXXX transferred our loan to XXXX XXXX XXXX without making corrections caused by misappropriation of payments and forced placed Insurance. The Master Servicer Bank XXXX XXXX has instructed Bayview Loan Servicing to foreclose on our home by having Bayview loan s ervicing intentionally and purposefully failing servicing duties of : failing to post our monthly payment to our account correctly, failing to update their automated system with the information correctly when a payment is made, failing to post the payments to our monthly statements correctly and continuing to compound multiple errors on our loan in the day to day operations.
01/13/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 105XX
 Web Servicemember
We are currently in negotiation with the Bayview XXXX in regards to t a short sale All documents have been submitted for the short sale review and a XX/XX/XXXX auction was postponed to allow the short sale to be reviewed. We are still in the review and counter offer process and after requesting an Apprisal which was a dome on XX/XX/XXXX We are waiting on a copy of the appraisal report.TThe bank upon receiving the appraisal amount did not contact us for a counter. Instead, the scheduled an auction of the property in the middle of active negotiations with us I called the bank and spoke a representative who stated that the appraisal came back at $ XXXX which is well below the previous figure that the bank had from a computer online generated valuation 'During this process, we have never received any update or documents via mail or any phone calls from the servicer. This individual working this file has shown no comprehension of the law and when he was advised that he was violating the dual tract foreclosures laws he stated he did not know what that was and will continue to auction the home off all while still negotiating with us on a short sale resolution The buyer did increase the offer they were giving on the home but Bayview representative XXXX XXXX stated they will auction the home off no matter what we do. BAYVIEW IS IN CLEAR VIOLATION OF THE DUAL TRACK FORECLOSURE LAWS BY AUCTIONING MY HOME OFF ALL THE WHILE WORKING ON A SHORT SALE RESOLUTION. My Realtor has left numerous messages for XXXX supervisor XXXX XXXX but he has refused to return any phone calls and emails We have asked Bayview to communicate with us via mail and not phone calls because XXXX from Bayview is attempting to deny all these allegations. We were finally able to reach the foreclosure attorney for the bank ( XXXX XXXX and Associates ) and they were very helpful in stopping the foreclosure sale and were very upset at what Bayview Representative XXXX XXXX was engaged in. The bank Bayview has since remain silent and indicated that they are reviewing the counter offer XXXX had advised me and my Realtor that he would not review any offer I assume the Attorney for them made him aware of this violation of Dual tract Foreclosure Law I can only imagine how many other innocent homeowners have lost their home due to this illegal practice and actions by Bayview and the employee XXXX XXXX would ask that your office open an investigation into this individual and Bayview for clear violations A copy of this complaint is being forwarded via express mail and fax to the supreme court justice hearing this case the honorable XXXX XXXX XXXX County Supreme Court New York
01/26/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • OR
  • 975XX
 Web
I have been dealing with Bayview Loan Servicing on a mortgage modification because my husband passed away. From the very beginning I have had nothing but problems. They lost my paperwork including all my bank records 3 times, even though I sent them back to them in their prepaid envelopes. They then decided to report I made more money a month than I do. I told them about that mistake and they told me they just had to do that and it did n't matter, even though it 's still hard for me to make the payment. At the end of XXXX I got a letter from Bayview stating that there had been an audit resulting in a credit to my account of XXXX. On XXXX XXXX 2016 I spoke to the gentleman ( XXXX XXXX ) that has handled my modification and was told that the credit could be used to cover my XXXX, XXXX and part of XXXX payments. A couple days later I got an email saying my account was over due so I contacted Bayview again and was told by another person that yes I have a credit and that she would take the money, which had been put directly on the principle, out and apply them as payments for XXXX XXXX and XXXX. A couple days later another woman from Bayview called saying my payment was past due. I once again explained what was happening and told her she needed to speak with the gentleman handling my modification because he was the XXXX telling me it could or be used to cover my payments. I left multiple messages for him via voicemail and emailed him three times and did n't get a response. Finally about a week later he emailed saying he was looking into it. All in all XXXX people from Bayview have told me the money is mine and could be used to cover my payments. XXXX person said the money was n't mine, that it had to do with a modification through XXXX XXXX XXXX ( who held my loan previously ) to which I explained I never did a modification with them. I have been passed on from person to person, XXXX saying yes it 's covering my payments and XXXX saying it ca n't be used to cover my payments. I have had nothing but problems. I feel they have done nothing but lie to me. This was not my mistake. Clearly they do not know what they are doing and trying to take advantage of me. The only reason I needed the modification is because my husband died and I 'm now a single mother. I explained I used the extra money to pay down other bills because I was assured by XXXX different people that my XXXX, XXXX and part of XXXX 's payments would be covered by this credit. I documented the calls I made which went to voicemail, I have a copy of the email I sent ( 3 times ) and documentation with names and dates of the people who assured me my payments were covered.
04/22/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CO
  • 80525
 Web
I originally entered into a 30 year fixed mortgage with XXXX in XXXX. In XX/XX/XXXX when the mortgage meltdown was starting I was talked into a XXXX Loan that I was told I could get out by XXXX XXXX. It was a negative-am loan supposedly designed to help keep your home by just paying interest for awhile. When I realized this was a predatory loan and have not been able to get out of it I have decided to get some help. We all know what happened in XXXX and XXXX XXXXXXXX XXXX took over all the old XXXX loans and I thought they were supposed to help the people that were harmed by their loans to make it them right. In the past years they have changed servicers at least three times along with the interest rate which has been changed 5 times since I started my Chapter XXXX. I am almost ( 6 months left ) in a Chapter XXXX to be able to keep my home. In XX/XX/XXXX the newest servicer ... .Bayview Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX , Fl . XXXX ... .files a Motion for Relief of Automatic Stay and I entered into a signed stipulation between their attorney, my attorney and the bankruptcy judge in which I could pay back the arrearages, work on getting a loan modification to avoid foreclosure and be able to keep my home. I was working with XXXX XXXX, Asset Manger for Bayview Loan Servicing ( XXXX XXXX ) ) XXXX instructed me that Bayview needed me to request an appraisal for my home and that the appraisal needed to be XXXX to XXXX XXXX dollars less that the projected {$530000.00}. He said the reason was that XXXX XXXXXXXX XXXX did not want me to be able to sell it and make money on it. I personally thought that was ridiculous. Then on XX/XX/XXXX I received a couple of threatening phone messages from Bayview ( XXXX XXXX ) telling me that I have a ton of money I need to come up with or they were going to start foreclosure proceedings. I tried calling him back and he again said I need to send him a large amount of money ( didn't give me an amount ) also that he had talked with my attorney and that my attorney said he couldn't do anything then he said he would call me back and hung up. It was very weird and scary to say the least. Harassment. I notified XXXX XXXX who has never returned my call and I notified my attorney who said he has never spoken with anyone from Bayview Loan Serving. I have a partner, XXXX XXXX that can verify all of the above. His contact number is XXXX. In closing I would like to say is that all I have ever wanted was to get out of this predatory negative-am loan and into a regular fixed loan. Any assistance in this matter would be sincerely appreciated. Kindest regards, XXXX XXXX
09/25/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MN
  • 55406
 Web
I had been corresponding with XXXX XXXX, my designated Asset Manager, at Bayview Loan Servcing since XXXX of XXXX and his supervisor XXXX XXXX about completing a mortgage loan modification. I indicated that I wanted to proceed with an in-house Bayview loan modification - and not a HAMP modification, which would keep my interest rate at 2 % for a period of time, which was confirmed as an option by XXXX XXXX at Bayview Loan Servicing. Afterwards, Bayview proceeded with offering me a HAMP modification anyway. I sent a letter declining their offered HAMP modification loan, per XXXX XXXX 's request. They sent me HAMP loan modification documents anyway and I was told that if I signed them that my mortgage loan would be brought current as of XXXX/XXXX/XXXX by XXXX XXXX. After an extending period of waiting ( 6+ months for the Bayview in-house modification offer to come through without response ) and during a time of serious duress and illness, I signed the documents so that I would be brought current with my mortgage. My mortgage was then permanently modified under a HAMP modification ( with the conversation completed in XXXX XXXX ) and then my mortgage was only brought current to XXXX of XXXX. When I brought this issue to the attention of my designated point of contact at Bayview, XXXX XXXX, he said that there was a modification conversion error by XXXX XXXX and that he escalated it to his manager for resolution. XXXX promised me that if we could n't resolve the issue that he would approve me for a repayment plan and that it would be a very quick process, just a few minutes. I sent in all documentation that XXXX requested of me which included a new modification application ( from me and XXXX from XXXX XXXX XXXX ) but never heard back on resolution or a decision. I sent a formal complaint to Bayview and never heard back. I then learned that while I was working with XXXX XXXX at Bayview towards resolution of my home mortgage that a foreclosure sale was scheduled for XXXX XXXX, XXXX - which was dual tracking I believe. After I hired legal representation ( XXXX XXXX ) to assist me and humbly pleaded with XXXX XXXX to work with me to prevent my mortgage foreclosure, he had the appropriate staff at Bayview put a hold on my mortgage foreclosure sheriffs sale, and increased my past due balance from the technical amount that I am behind of {$710.00} x 11 = {$7800.00} to {$11000.00} which includes their foreclosure attorney fees and other fees. I offered to pay my total past due balance ( excluding attorney 's fees ) which was refused. An unrealistic repayment plan was offered and refused at the recommendation of my attorney.
08/03/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92805
 Web
Bayview Loan Servicing is uncooperative and has no courtesy on a mortgage loan that is under my name, but the house has been under my uncle for over a year now. I notice back in XX/XX/XXXX that there was a late mortgage payment on my credit score, but we've been paying it. I called the collection agency and they said that they need proof of insurance and escrow, that they've been charging for that because we don't have proof. I sent them proof and then they said it had to be under my name. It was under my uncle 's name because the house has been under his name since XX/XX/XXXX. I mentioned to them that the house is no longer under my name. Afer a month of going back and forth and delays on their end. I had to keep on following up and then they said I had to complete assumption forms to change the name over to him. I immediately completed and submitted these in XX/XX/XXXX when they told me to do so and received no response. I kept following up and they said they're still looking into it and that it takes time. Five months later, they're still working on this issue as the debt continues to grow monthly. They are charging us twice for escrow and insurance when it's already paid for on our end separately since XX/XX/XXXX. They will not accept our proof because it's under my uncle 's name, which is his house now. They requested assumption forms to be completed to switch the loan to my uncle, which we completed. However, as of XX/XX/XXXX, they just told us that they will not accept the assumption forms and that we have to pay the $ XXXX to reinstate the loan first and then they can look into the assumption forms after. With their months of delay and misinformation they expect us to pay over $ XXXX to reinstate the loan even though it was their fault for not informing us beforehand that the assumption forms would not be accepted? We are being penalized since XX/XX/XXXX for their delays which is not fair. If the assumption forms were not valid initially, they shouldn't have suggested that. Also, it's unfair we're being penalized for all the months of delay as we were waiting for them to get back to us. It is unfair that we have proof of everything, yet they expect us to pay the XXXX to reinstate the loan when it's their fault for the months of delays and misinformation. We submitted all the proof that they needed, yet they are still penalizing us for their mistake. It has been very difficult trying to resolve our issue when we keep getting transferred to multiple people at Bayview Loan Servicing and each person has something different to say and giving us the run around. No one has helped us resolve our issue at all.
12/27/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
Bayview XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I fully expect Bayview to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against Bayview. Well, I have read many other CFPB complaints against Bayview and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by BAYVIEW does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at BAYVIEW? When is the CFPB going to hold BAYVIEW accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME! Short Sale was started XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX we were countered to XXXX. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we submitted a Contractors Bid, photos, and market comps in response to the counter offer. On XXXX/XXXX/XXXX the appraiser revised his appraisal to $ XXXX. On XXXX/XXXX/XXXX we submitted a revised offer of $ XXXX On XXXX we were told by XXXX XXXX the file was denied based on " fair market value '' of XXXX, and the minimum net needed to be 83 % of this fair market value. ( Which our XXXX offer does meet this minimum net. ) XXXX XXXX LIED about the value of this property ON A RECORDED LINE. WHAT HAPPENED to the revised appraisal? WHY are we being denied even though our offer does meet their minimum net? ( our offer is actually much higher than their minimum net. ) This is the 2nd Time XXXX XXXX has XXXX up on this file regarding values. Her mistakes are causing significant delays. ( which is harming their investor, our community, and the estate that has taken over this property.. values in XXXX XXXX have been dropping for the last three months. ). It is obvious she is overworked - and that means BAYVIEW does not have appropriate number of staffing to be able to service their files according the servicing guidelines set forth by the CFPB. I want Bayview held accountable for the lack of staffing needed to do their job-for which they get paid of servicing their files. Bayview has no interest in following the laws and guidelines set forth by the CFPB. They dont care how their files are handled they only want to put forth the least amount of effort into fulfilling their obligations.
09/15/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • AZ
  • 85042
 Web
My loan was sold to Bayview Loan Servicing in XX/XX/XXXX. I was not notified by XXXX XXXX XXXX. My mortgage payments were coming back. Finally in XXXX I found out about Bayview. I was having trouble making my payments after XX/XX/XXXX. They offered a home loan mod. They told me not to make payments. After six months I was sent an approval package with instructions to pay the XXXX month to fund the new modification. But it had no disclosures in it. i.e. interest rate, balloon payment etc. They said I had to pay the first month by a certain date. and after that I would receive all the detail of the loan. I had the package reviewed. It was described as " Predatory Lending Practices ''. I was advised not to sign it. - I contacted Bayview and requested a " Deed in Lieu of '' - We started the process in XX/XX/XXXX. - I have not lived in the house for quite some time but have had to keep the house up and pay large electric bills for the pool as part of our agreement for me to get a Deed in Lieu. Still they did nothing- In XX/XX/XXXX, they said they were in negotiations with the XXXX lien hold for a settlement- They never return phone calls or emails. Once they said they had an agreement with the XXXX lien holder and then they didn't- Today, XX/XX/XXXX I find out from the XXXX lien holder that they never contacted them and if they had it would only take them 2-3 days to approve it- Something is n't right here. A hidden agenda. They wo n't do what they promised even though I have fulfilled my obligation, contacted the XXXX lien holder myself to get them the information they needed, yet they still are doing nothing. - I had to get them to hire a company to look after the house as I can not afford to take care of it anymore. They did, they broke into the house leaving damage and frightening the neighborhood. Police were called. They never even informed me they were doing this. I would have just met them at the house and opened the door for XXXX sake. - From the beginning with Bayview it has been predatory lending, lack of transparency or disclosure and a total disregard for others. I understand the latter means nothing to the banking industry anymore but certainly the aforementioned disregard for the law should bring someone some attention. All that I am asking is to receive my " Deed in Lieu of '' and the reimbursement they promised me for my expenses. I need this matter concluded with my name off of the house so that I can move forward. I am supposed to move for work but can not due to this issue still looming. I am in threat of losing my job because I wo n't relocate until this is resolved. Thank you,
05/10/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • GA
  • 317XX
 Web Servicemember
I have asked for a request to pay off the remaining balance of my account with a horrible company. The company have prolonged the process so the can continue making money with interest and payment fees. The first attempt of asking for the payoff of my account I was told inaccurate information ( would be faxed within the next 20-30 minutes ). I then proceeded to reach back out to the company after making the payment of the remaining balance that is listed on my account-with no pay off demand received from the company. I spoke with the first agent in which didn't recite the correct payment that was received from me by the company. I got the agent to research the payment I had just processed to make sure the company was not play with such a huge amount of money. After getting the recent payment information confirmed, I proceed to ask what the balance was on the account. The agent was completely confused and begin to argue with me. I requested to speak with the supervisor in which I was advised there was still a balance on my account and that I payoff demand was faxed to me on yesterday. The supervisor proceeded to tell me that a payoff demand take 48 hours to process after I advised him I never received such information. I proceeded to request one more payoff demand to be mail via mail to me. The supervisor was very irritated with me as well as the what I was requesting. In the middle of the supervisor processing my requesting and me voicing my opinion about how this is being handled, the supervisor hung up on me. The supervisor 's name was XXXX and was not nice at all especially to a person that was paying off their account. The request that I have asked from this company is not unheard of but how I was treated for attempting to fulfill my commitment to a contract was unprecedented. I had more time to review the company that was now over my loan and the company has several complaints as well as reviews about how their billing and services are handled. If this company has so many concerns and alarming complaints, why is there no one regulating this? Why is there no check and balances in place? Me being a consumer, I should not have to deal with issues like this coming from a company rated so high by the XXXX. I'm in complete awe and disbelief that I'm not having to reach back out to this company to confirm payoff request has been processed and being mailed to me. The values that are displayed within your employees is a direct reflection of this company and the services they have to offer! This company is not consumer friendly and they do not have the family values that are portrayed across their brand!
04/01/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MN
  • 55428
 Web
I have received a NOTICE OF DEFAULT AND INTENT TO ACCELERATE from the mortgage servicer Bayview Loan Servicing , LLC . The letter claims I have a mortgage that is behind {$13000.00} I submit I have no mortgage for the following reasons : 1. I received on XXXX XXXX a CHANGE OF CREDITOR letter from Bayview ; it states the new creditor is XXXX, with an address of XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX - See Exhibit A. 2. This address and phone number belong to XXXX BANK. See Exhibit B 3. I visited said address and XXXX BANK disavows any knowledge of " XXXX '' and of XXXX XXXX in any of their records. 4. A search of the SECURITIES AND EXCHANGE COMMISION database reveals that the true address of " XXXX '' is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FLORIDA XXXX ( XXXX ) XXXX. This is the address of " Bayview Loan Servicing '' and " Bayview Asset Management ''. * See Exhibit C. 5. A search of the XXXX system shows that mortgage MIN XXXX ; its present status is INACTIVE. This means this loan was " written off/ discharged '' and " transferred out of the XXXX system ''. See Exhibit D. 6. The XXXX system lists XXXX BANK as " Trustee ''. A TRUSTEE is NOT a BENEFICIARY, which would be the true owner. 7. Cleared checks show that all monies went into Bayview 's accounts and some checks have the statement " Bayview for Deposit Only '' crossed off. See Exhibit F. 8. By their own boilerplate text, Bayview Loan Servicing is a debt collector, NOT A LENDER, NOT A CREDITOR, NOT A FINANCIAL INSTITUTION. See Exhibit K XXXX. XXXX XXXX records show irregularities : See Exhibit XXXX -The original note with Decision XXXX has been recorded but all following assignments are missing ; the note was transferred to XXXX XXXX See Exhibit G. -After XXXX XXXX the loan was transferred to XXXX who modified it to a fixed rate, See Exhibit H. -The County representative interpreted the records for me and indicated Bayview Loan Servicing , LLC . Had bought the Decision XXXX document XXXX - I can not see how since Decision XXXX shutdown in XXXX. XXXX XXXX XXXX & XXXX. 10. As it stands, I HAVE NO MORTGAGE with any LENDER IN THE XXXX XXXX or POLITICAL TERRITORIES. XXXX The above facts could be construed to demonstrate mortgage fraud by Bayview Loan Servicing XXXX at a minimum they clearly demonstrate that at no time did we owe Bayview any money. Therefore, since the alleged mortgage was written off and Bayview never had any rights to demand money from me, I demand Bayview Loan Servicing should immediately reimburse me {$7900.00}, which are the monies they unlawfully extracted from me after XXXX XXXX, XXXX. * *Exhibit XXXX
10/04/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33415
 Web Older American
The service provider of my mortgage, Bayview Loan Servicing, wanted to initiate a modification of my loan conditions based in a Hazard Insurance policy added to my loan for an amount of XXXX XXXX/month. Bayview said that it was included to my mortgage due to the lack of answer from my Homeowner Associations to their proof of hazard insurance request. Once after Bayview acknowledged that they received the corresponding proof of Hazard Insurance from my Homeowners Association ; Bayview decided to remove the mentioned fee as per Bayview letters attached to my previous CFPB complaint # XXXX of XXXX XXXX XXXX. My loan was modified and signed by Bayview 3 years ago and adjusted to my XXXX XXXX income that to present has not changed and is still for the same amount. I can not accept Bayviews new loan modification proposal without a legal ground or proper reason. Bayview XXXX wants to increase my monthly payments progressively, change my mortgage interest rate from fixed to variable, and extend the number of payments from XXXX to XXXX making the current mortgage period from 24 to 33 years. Because I have not accepted these changes, Bayview has filed a foreclosure request on XXXX XXXX XXXX, and suspended it on XXXX XXXX XXXX. This seems to a way of intimidation and harassment. Frivolous foreclosure grounds : Bayview has filed a frivolous foreclosure on the XXXX XXXX XXXX district ( ( Foreclosure case # XXXX ) against my home using the false statement that I have not paid my bills since XXXX XXXX as a mean of pressure against me because of my denial to accept their modification proposal. Making a foreclosure of a home is a very serious matter. They should have started by asking me for proof of my payments instead. I am current on my mortgage payments to them as shown on my Bank statements sent to Bayview through CFPB on XXXX XXXX XXXX ( complaint # XXXX ), but even after receiving my proof of payment, XXXX hasnt closed the foreclosure case. Bayview has returned my XXXX XXXX mortgage payment to my Bank 4 times, and just returned my XXXX XXXX payment too, Bayview stayed in its answer to CFPB that they are unable to accept my payments because my home is in suspended foreclosure dated XXXX XXXX XXXX. Their foreclosure was based on the false allegation of lack of payment and I consider it falls into the range of frivolous foreclosure. I therefore request this foreclosure case to be closed in the next days, or I will be forced to start a demand according to Fla.Stat. sec. 57.105 to dismiss frivolous foreclosure action with prejudice. This situation is really affecting my health negatively.
08/21/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 190XX
 Web
I believe Bayview Loan Servicing, LLC., is trying to take my home form me. I currently owe less than XXXX XXXX dollars. So, in less than 4 years my home will be paid for. Approximately 2 weeks before being switched to this company, XXXX XXXX notified me that my mortgage was sold to Bayview Loan Servicing LLC in XXXX XXXX, Florida. The sale occurred in the middle of XXXX, XXXX. Because of my impending divorce and my husbands refusal to abide by the judges ruling, ( mandated XX/XX/2019 XXXX, that he continue to pay the mortgage, I fell 3 months behind in paying my mortgage. The house is only deeded in my name. After being charged with contempt, out of fear, my husband began making partial payments in XXXX, but to date he still owes for mortgage payments in arrears. Albeit, the last two payments he has made have been full payments. The representative from Bayview who I was assigned to me is, XXXX XXXX. She is an unprofessional mean-spirited liar. She has failed to communicate with me even when I have made appointments to speak with her via telephone. I have made five appointments that she has not adhered to. Then she lied and said she called, but there was something wrong with my phone. She refuses to answer her business phone when I call. She rejects my email messages. she has lied, stating that I made repayment agreements I never consented to. She has sent me documents with erroneous information in it and tried to get me to sign those fabricated documents. She has refused to offer me more than one repayment option on the back-mortgage amount I still owe. I have asked Customer Service for a different loan officer, but my request has been ignored. I am beginning to believe that she is the only women working at that company. Yesterday, XX/XX/1019, my husband made two full back payments. But although Bayview listed both payments on my statement for XXXX, they only credited my account for one of those payments. At this point, I owe less than XXXX dollars in back mortgage payments. If the payment that I wasnt credited for was added to my account, I would owe less than {$3000.00} dollars. So, today, XX/XX/2019, I tried to make a partial payment of {$1500.00} dollars via Bayviews website. That way I would be completely caught up before the end of XXXX. I was informed that I could not make a payment. Furthermore, I was informed that before I make any future payments, I must consult with XXXX XXXX XXXX. There is something very sinister about that company, and there are plenty of negative reviews online and requests by disenchanted consumers to start a class action suit against the company.
11/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 631XX
 Web
Greetings my name is XXXX XXXX and I am writing in reference to my Bayview Loan Services loan # XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX. I have reached out to Bayview repeatedly to alert them to a problem with in their system that was not reflecting the correct zero balance for my account. I have not received a response from Bayview. I sent emails to Bayview on XX/XX/XXXX and XX/XX/XXXX to the XXXX email address that was provided to me. I also spoke to customer service on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX to inquire about a response. And both told me that my documents still had not yet been updated in the system. This is particularly disappointing because since my loan was transferred to Bayview in XX/XX/XXXX, I have had a terrible customer service experience. I started working on a Deed in Lieu around that time and it was stalled for over two years due to lack of responsiveness from XXXX XXXX at Bayview and overall failure from Bayview to move my file forward, despite having had a complete file on three separate occasions. This repeated and seemingly deliberate failure to move forward my deed in lieu requested created a disparate impact on me and also resulted in a financial hardship on me. With the unfair, deceptive, or abusive acts and practices ( UDAAPs ) policy in mind, I filed a complaint with the CFPB last year. After CFPB involvement, my deed in lieu was finally moved forward and eventually approved in XX/XX/XXXX. At that time, I was advised that any and all debt, fees, and obligations had been dissolved and that I as no longer liable to Bayview. However, unfortunately, I continued to receive bills/statements from Bayview. I contacted XXXX XXXX at Bayview on XX/XX/XXXX to inform her of this and she advised that this bill/statement was an error and that Bayviews system simply needed time to update. I contacted her again on XX/XX/XXXX to advise about that I was still receiving bills/statements and she said that the deed had been recorded and that I should not be receiving bills. Nevertheless, I continued to receive bills/statements. I spoke with XXXX XXXX on XX/XX/XXXX who assured me that the deed in lieu had been approved by Bayview, that everything had been processed on your end and that she showed a XXXX balance for my loan in her system. I am frustrated and upset because I continue to receive bills/ statements and I thought that this matter had been resolved. I am reaching out to CFPB as it seems this issue has still not been resolved. So I am asking for you to help me to rectify this situation with Bayview. Thank you so much for the help.
09/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 06118
 Web
Bayview improperly foreclosed on my house after it ( 1 ) told me to ignore the foreclosure papers and ( 2 ) failed to send me a permanent modification after I successfully completed a trial plan in XX/XX/XXXX. Without my knowledge, it foreclosed on my house on XX/XX/XXXX and is now auctioning it off on XX/XX/XXXX. I fell behind on my mortgage because I lost my job, but I have since regained employment and am able to afford my mortgage. I received foreclosure papers inXX/XX/XXXX. I called Bayview shortly after getting the foreclosure papers and asked what I could do to save my house. The Bayview representative told me not to worry about the foreclosure and that it would stop the foreclosure and help me out. Thereafter, I got paperwork from Bayview approving me for a trial modification for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXfor {$1500.00}. My understanding from Bayview was that it would not foreclose on my house so long as I completed the trial plan and that I would receive a permanent modification if I successfully the trial payments. Based on Bayview 's representations to me, I did not file paperwork with the court because I believed it would not go forward with the foreclosure and that I would receive a permanent modification. I successfully completed my trial plan by making 3 payments of {$1500.00}, reflected as withdrawals on my checking account statement forXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I did n't get a modification in the mail or hear anything from Bayview. My single point of contact left, and the other Bayview representatives were unable to give me any concrete information. I kept making payments at the trial amount, which Bayview accepted. Then, in late XX/XX/XXXX, Bayview started rejecting my payments. I still did n't receive a permanent modification, and I did n't know what was going on. I did n't think I was at risk of foreclosure though since I had successfully completed the trial plan. Unbeknownst to me, Bayview went forward with the foreclosure of my house and obtained a judgment of strict foreclosure with the court, setting a law day of XX/XX/XXXX. I never got anything telling me about my foreclosure date. I only found out about the foreclosure in late XX/XX/XXXX when a realtor came to my house and told me it had been foreclosed on. Bayview should not have proceeded with the foreclosure because I successfully completed a trial plan and was entitled to a permanent modification, which I would have accepted. Bayview should not have advised me to ignore the foreclosure action or told me it would n't foreclose on my house, which apparently was n't true.
04/12/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • GA
  • 31548
 Web Older American
XXXX XXXX of Bayview Loan Servicing , LLC, Customer Support called XXXX XXXX, ( mortgagor ), on XX/XX/XXXX @ about XXXX EST. XXXX XXXX 's call was in response to previous messages left by XXXX XXXX, inquiring as to why the XX/XX/XXXX & XX/XX/XXXX payments had not been posted. XXXX XXXX specifically told XXXX XXXX that her payments were being returned to her, as the home is going into foreclosure, as a result of a past due balance that Bayview Loan Servicing has NOT and can not verify the debt as being past due and owed. XXXX XXXX further stated that there are NO PAYMENTS on the account for the year XX/XX/XXXX-XX/XX/XXXX, which is totally false as XXXX XXXX have processed checks showing that each check was infact received and deposted by Bayview Loan Servicing , LLC & posted to the Loan Account number. However Bayview Loan Servicing has obviously misapplied these payments. On behalf of XXXX XXXX, I have previously sent RESPA letters requesting validation of this mysterious outstanding balance that Bayview Loan Servicing , LLC claim that is owed. To this date, Bayview Loan Servicing , LLC has NOT. To add insult to injury, XXXX XXXX further attempted to get XXXX XXXX to consider an UNNECESSARY Loan Modification for this unverified mysterious past due balance. As I was listening to the conversation via speaker phone, I asked XXXX XXXX/my mother to have XXXX XXXX Call my phone, as by Powers of Attorney I am authorized by XXXX XXXX and the POA has been received and acknowledged by Bayview Loan Servicing , LLC . Upon XXXX XXXX calling my phone, I immediately began a legal phone recording. XXXX XXXX immediately terminated the call. On or about XX/XX/XXXX, did in fact receive back ONLY XXXX of the checks. With a letter explaining that the XX/XX/XXXX payment was inadvertently dated XX/XX/XXXX by XXXX XXXX and there fore could not be deposited for the stale dating. XXXX XXXX then processed the payment for XX/XX/XXXX via phone with a customer service representative of Bayview Loan Servicing , LLC . XXXX XXXX maliciously and willfully misrepresented that the home was going into foreclosure, in an attempt to intimidate XXXX XXXX into agreeing to this unverified past due balance, and offered her two options. Pay the amount or Agree to a Loan Modification to include this mysterious past due balance. XXXX XXXX has intentionally and willfully violated the FDCPA, and other state federal consumer protection laws as well as banking laws. Bayview has in fact sent out a few Notices of Intent to Accelerate that are defective in that they all include a Past Due amount that is not past due at all.
06/07/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Confusing or missing disclosures
  • MA
  • 01201
 Web Servicemember
In XXXX I became the Executor of the estate of my father. Shortly after his death, the home he owned that I was moving into suffered two catastrophic water damage claims. One took place in XX/XX/XXXX with almost every pipe bursting and the second was a tree falling into the roof in XX/XX/XXXX. Insurance was in place and paid for and claims were made through the insurance company. The mortgage was owned by XXXX XXXX and sold to Bayview Loan Servicing in XX/XX/XXXX. The mortgage was current at the time of XXXX loss and there was a mortgage protection plan in place that pays off the mortgage in the event of the death of a borrower. I have a separate complaint to CFPB regarding this issue. When the insurance company started issuing repair checks, Bayview was a co-signer. They wanted to do a monitered payment program. This is a XXXX XXXX loan and I complied. I was also in a payment plan with Bayview but intentional delay tactics by Bayview and unfair lending practices has waylaid my ability to continue. A lawsuit is pending on this course of action. I contacted Bayview to ask for the monitored payment arrangements to stop on the insurance checks. They were requesting extremely difficult measures in place in order to complete the repairs. I contacted them weekly to explain that contractors in my area refuse to work for free then hope I pay them 3 months later. Bayview Loan Servicing refused to try to find contractors despite my numerous attempts. I had 13 contractors come to the house to give estimates but only one took part of the repair work. Bayview took 5 months to pay that company. No one else will work on the house. I have communicated in phone calls, emails and certified letters that I am current according to their payment plan and that they are disobeying XXXX XXXX guidelines in holding onto the repair funds. They are also causing increasing damage to my home because of their intentional delay and impossible guidelines to hire free workers. Bayview states that while I am current, the loan was not at the time of loss. Both signers on the loan ( my parents ) died in XX/XX/XXXX and XX/XX/XXXX. The mortgage again, was current in XX/XX/XXXX at the time of the loss and I was entering into their payment agreement in XX/XX/XXXX. I'll remind you again that Bayview Loan Servicing should have never received the loan from XXXX as it was fully protected by a mortgage insurance clause. This is all grossly unfair. They have caused tens of thousands of dollars in mold damage and repair work than existed due to their intentional acts in disobeying XXXX XXXX guidelines.
11/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XXXX/XXXX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XXXX XXXX, XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust XXXX YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XXXX/XXXX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XXXX XXXX through XXXX XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XXXX XXXX through XXXX XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX XXXX XXXX. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX Mortgage Pass-Through Trust XXXX is listed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XXXX XXXX, XXXX, received in this Commission on XXXX XXXX, XXXX, under the name of XXXX Mortgage Pass Through XXXX XXXX XXXX XXXX XXXX. XXXX Exhibit E Pooling Servicing Agreement stating that trust closed on XXXX XXXX, XXXX
03/20/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 14621
 Web
I was on a forbearance plan from XX/XX/XXXX through XX/XX/XXXX. When coming of of the forbearance plan I contacted the loan servicing company for a loan modification they denied so I contacted XXXX whom instructed them to give me the loan modification. At the time covid 19 was still very heavy in XXXX, I take care of my XXXX she came from school with covid we didnt know at the time, when she went home her XXXX called and told me that she had covid and that I needed to quarantine. While on my trial plan with the servicing company I was unable to make my XXXX trial payment on time which would have been my last trial payment. I have made the trial payment for XXXX XXXX and it was made within the threshold but the servicing company still refuses to comply I had to reapply for a new modification. I responded to the letter of denial for loan modification by email and in writing they are saying they didnt get them. At the time that I was offered the trial payment plan, I was trying to save money to bring my account current from post forbearance I had {$1100.00} dollars saved. I sent those payments to the loan servicing company because I was afraid that with school going back full force covid would flair up again and if I missed. Payment I would be secure with those payments in a suspense account. The loan servicing claims to have applied the payments to my account the same day which was XXXX XXXX, XXXX. Nothing came of off my balance due and Even-though I have a total of seven payments from XXXX XXXX until XX/XX/XXXX my balance due went up instead of down. The same day that I paid the {$1100.00} in XXXX {$860.00} dollars was removed from the account. When I call to talk to them they tell me things like Cooperate advance. I know that cooperate advance is a fee the loan services take for themselves and has nothing to do with regular things like escrow or taxes and insurance. They refuse to fix their misapplied payments which have been going on since XXXX. Trying to talk to anyone there or getting in touch with my point of contact is next to impossible. Theirs phone system do not have extension options and the email I have for him does not work, sometimes I wait on the phone for someone to answer and when they they dont have answers. I am afraid to make payments to them because no matter how much I pay them my balance goes up instead of down. Again this has been going on for over three years with the misapplied payments and they refuse to correct it or listen to me, and they refuse to all me to bring the loan current with a loan modification even after I was affected by covid
04/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07869
 Web
XXXX XXXX XXXX is the current Servicer of my mortgage. I purchased my home in XXXX for {$350000.00}. I put {$270000.00} down with a mortgage of {$80000.00}. I have refinanced it to meet my divorce obligations. The last refinance was with XXXX. It was given to Bank XXXX XXXX I learned last week in XXXX. I was on a Trial Period of XXXX with Bank XXXX XXXX They refused to modify the mortgage and added {$200000.00} to my principle while XXXX had added approximately {$50000.00} to the principal balance. I received a package from XXXX stating that they were Servicing my loan. They ignored my 18 months of mortgage payments and added another {$360000.00} to my principal balance as a balloon mortgage that would become payable in 30years. XXXX told me in XXXX that if I didn't sign their mortgage modification that they would foreclose on my home. I believed them because there were many Foreclosures going on. I was unable to pay my mortgage in XX/XX/XXXX and just recently started a new job. Approximately 3 weeks ago I learned that I was being foreclosed upon. I was terribly perplexed because on XX/XX/XXXX, the date on the letter, stated that I should contact them. I contacted them to find out my options. Surely I was afraid to modify my loan again because they might have added a couple more hundred thousands to my principal balance. I asked for a reinstatement balance I just received it yesterday. Meanwhile, they are trying to foreclose on my home and trying to lie about owing interest in land that I purchased besides my home. They have no interest in it at all. My Title states that they don't. The Mortgage doesn't even State the metes and bounds. Quite frankly, this mortgage has kept me uneasy for years. A quiet killer. I could not obtain credit to maintain my home or even get a parent plus loan for my daughters college tuition. It has caused us great harm and embarrassment. How can Banks and Mortgage Companies continue to be allowed to take tremendous advantage of their customers like this. This is extreme predatory lending practices. Also, for them to try to foreclose on property that they have no legal interest adds to the injury. I have to retain an Attorney to try to stop the madness. To have a Bank enter a Judgement of default when they didn't even properly service me is a travesty. I need your help. The people of this Country deserve better. I could be homeless and actually should be nearly finished paying for my home. The legal proceedings in XXXX XXXX, New Jersey should be halted. I shouldn't have to incur legal fees for their abusive behavior.
09/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NJ
  • 08857
 Web
I had applied for a loan modification and while I was in the process XXXX XXXX XXXX was simultaneously foreclosing on me. Bayview will keep requesting for the same documents that i had sent to them back and forth and when they did no one will have a look at it. When I contacted them about the intent to file for final judgement that I had received from their attorney and that I wanted to respond, I was assured by the loan servicer XXXX XXXX not to worry because they 'll let their attorneys know that they 're working on a modification with me. Few weeks later I saw someone in front of my house taking pictures only to tell me that my house has been foreclosed. I contacted XXXX XXXX who was my asset manager to let him know what was happening. He told me not to worry because I was in the process of modification so they 'll reverse it. When he tried to get his manager XXXX XXXX to approve the modification he refused. I contacted XXXX XXXX who is the investor on the loan. They told me to contact Bayview and have them modify the loan and rescind the foreclosure. I contacted the Bayview manager XXXX XXXX who was very rude and nasty to me, and he told me there 's nothing they can do since they 've already foreclosed. I told him that i had spoken with XXXX ID # XXXX from XXXX XXXX and had told me to tell him to modify the loan, have the foreclosure rescinded and notify XXXX XXXX but he refused to even listen to me and hanged up on my. I contacted XXXX XXXX and they told me they were launching an investigation. They assigned my case to a XXXX who was supposed to look into it. Every other day I called to get the status of my case and she was never there to answer the call. I try to speak to a different person and they kept telling me XXXX is the person assigned to my case so she 's the best person to speak it. She finally called me back on the XX/XX/XXXX and told me she 's trying to get my loan modified and that I should give her few more days. Prior to that she had requested I fax her all the paper work and my modification application to her which I did. She also told me that she was able to track my email conversation and the documents that i had sent to bayview to modify my loan. She told me that all foreclosure activity was supposed to cease when i applied for a loan modification. She assured me that she 'll work on my behalf and get my loan modified. To my amazement I receive a notification from XXXX today that my house is being auctioned. I have being lied to and treated unfairly by both Bayview loan servicing and XXXX XXXX. My children and I are going to be homeless
07/10/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ).

Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XX/XX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX Pass-Through Trust XXXX is listed in XXXX XXXX XXXX Vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX, under the name of XXXX XXXX Pass Through Trust XXXX XXXX File No. XXXX Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/XXXX

10/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60617
 Web
My original mortgage loan was transferred to Bay View Loan Servicing in XX/XX/XXXX, though I never asked to be transferred. Nothing but a horrific nightmare with Bayview to say the least. After much correspondence and an in person visit, there are still issues with my loan. Payments have been severely misapplied, even with direction as to what a Principal ONLY payment is, not interest or escrow. Bayview Loan Servicing changed its name to Community Loan Servicing, LLC in XXXX. My mortgage payments have been paid on time, before the due date. I've also paid more than the monthly amount due for over three years. Bayview Loan Servicing is recorded on my property deed as of XX/XX/XXXX, and the company has not recorded anything else since that time. My mortgage loan was transferred to XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX is not recorded on my property deed as of XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX, I requested by phone to have my escrow account closed so that I can pay my property taxes and insurance myself. I was informed that my escrow account would be closed. On XX/XX/XXXX I received a letter that my PMI account could not be closed because I did not have one. I never requested information about PMI, only to have my escrow account closed. On XX/XX/XXXX I paid my XX/XX/XXXX Principal and Interest Only payment via online bill pay to Bayview Loan Servicing as I have done for over three years. Per a representative of XXXX XXXX XXXX XXXX XXXX, they did not receive my XX/XX/XXXX payment. My XX/XX/XXXX Principal and Interest Only payment was made to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. My XX/XX/XXXX Principal and Interest Only Payment was made to XXXX XXXX XXXX XXXX XXXX, by money order ( dated XXXX XXXX ). The payment was mailed to and received by XXXX XXXX. The money order was also cashed. My payments have been very specific as to what amount is to be applied to Principal and Interest ONLY and what dollar amount is to be applied to Taxes and Insurance ONLY. Currently, I'm being harassed by XXXX XXXX XXXX XXXX XXXX, with threatening correspondence that my mortgage is behind. Repeatedly, I have requested that my escrow account be closed, due to the fact that Bayview Loan Servicing aka Community Loan Servicing, LLC consistently misapplied my mortgage payments. Bayview Loan Servicing has caused nothing but undue stress from the beginning in XXXX, now I have an even worse company, that is not recorded on my deed, attempting to unnerve me to my core and fraudulently take my home.
10/22/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • MD
  • 20720
 Web Servicemember
When my mom passed in XXXX 2016, I discovered that she had taken out a XXXX mortgage loan with CitiMortgage that was referred to Bayview Loan Servicing. As her heir and administrator of her property, I contacted them about the loan and required documentation about the loan process from the initial loan. As of today, I have n't received any documentation or cooperation from the lender. Three months ago, I have spoke with a representative about negotiating a payoff and she stated that she would initiate the process and assign a case manager to the case. I was told not to submit any payments until I hear back from them through a certified letter. After a month pasted and no certified letter received, I called the lender and expressed concern about the request. I was informed that no such request had been submitted. The rep assured me that he would submit the necessary documentation to initiate my request. After weeks had pasted and numerous attempts to reach Bayview by telephone for a response, I finally got a representative to answer my request. I was told that Bayview would not negotiate a payoff because the value of the home, if foreclosed, would cover the loan amount. Though disappointed, I asked about the passed 3 months payments and learned that late fees had been asset to the account. On XXXX/XXXX/16, I made a telephone payment in the amount of {$410.00} dollars ( confirmation # XXXX ). A week later, the amount still has n't been deducted from my account. Therefore, I called the lender no less than 10 times totaling hours of my time seeking an answer. I finally got a live representative that explained my payment was rejected for insufficient funds. I stated that there must be a misstate because my account has more than sufficient funds to cover the charges. The rep stated that I can resubmit the payment through XXXX XXXX, which I stated was unacceptable because my checking account has over {$8000.00} dollars in it and that the representative had to have keyed in the wrong information. The representative hung-up the telephone. He was the second representative to do that such action when I requested to speak with a manager. I called back and was told that I 'm not authorized to receive information on the account. I am absolutely dumfounded by Bayview 's representatives actions. This is unprofessional and down right deplorable. All I want to do is make a payment and this is being rejected. XXXX 's statement depicts the attempted payment of {$410.00} dollars suspended. Can I please get some assistance in this matter. Thank you,
02/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95648
 Web
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
10/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89148
 Web Older American
On XX/XX/XXXX I was contacted by XXXX that I had an individual mortgage with a past due amount. I disputed it knowing XXXX could not have documentation given that Ive ever owned that property. Even without documentation XXXX still backed XXXX claim against me. Previous to this my credit score through XXXX was XXXX, and after dropped to the 500s. XXXX never asked me for any money, instead they harassed me and ruined my credit. The documents that they had was a note I co-signed on XX/XX/XXXX. For the amount of {$97000.00}, with payments of {$1200.00}, at an interest rate of 13.03 % for the term of 179 months which ended XX/XX/XXXX. There is a new contract under just XXXX XXXX, who is the only signer, I am no longer a co-signer, my name was completely removed on XX/XX/XXXX. I was never notified of the new contract until XXXX. On XX/XX/XXXX the sole signer ( not me ) took out a 2nd mortgage in the amount of {$4300.00} making the total loan amount {$92000.00}. Both the payment and interest rate changed and the duration of the new loan note went to 27 years. This was not a modification but a whole new contract with just XXXX XXXX as the only signer. On XX/XX/XXXX XXXX transferred the loan to Bayview XXXX. I again disputed it but to no avail. I never received any documentation from Bayview XXXX regarding any loan. They did admit during a phone conversation that some of the documents they had were unsigned by me. On XX/XX/XXXX I got help from the XXXX XXXX XXXX XXXX XXXX Nevada who were finally able to obtain the documents XXXX XXXX had. In a correspondence with The XXXX XXXX XXXX they stated I had a sound legal basis for dispute. On XX/XX/XXXX The legal aid accomplished all they could for me given their resources and suggested I contact Consumer Financial Protection Bureau. This situation has affected my credit score and livelihood. I will be XXXX years old in XXXX, living on a set income from Social Security of {$1100.00} per month. As a result of my now lowered credit score I can not get approved for new low-income housing, which is needed because my rent has gone up. I was unable to get a good rate on my car loan, and even my car insurance has increased because of the low credit score. Most recently on XX/XX/XXXX I received an email thaXXXX XXXX XXXX XXXX closed my credit card through them in which the account was at a XXXX balance and I'd never sent a late payment. I have almost 30 pages of documents to use to make my case. I have been fighting this for three years, and am hoping you are able to help. Thank you,
01/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20774
 Web
I am trying to apply for a modification with Bayview Loan Servicing so that I can save my home. My assigned representative is named XXXX XXXX. My first impression of him was that he is very hard to get ahold of. I have always been told that he is the only person in his department that can discuss my file so I can not simply speak to the next available representative I have to call his number directly. It usually goes directly to voicemail. He picks up and immediately asks me to hold, sometimes for upward of an hour long. I know he has an email address and I asked him if that might be a better way to get in contact with him since he is so busy but he told me know he does n't check that the best way to discuss my loan is to keep continuously calling his phone until he picks up. The last time I spoke with him was on XX/XX/XXXX at approximately XXXX. There was only one more document being requested -- a document that I had already faxed to him the previous week. I asked if he got the fax and he said he has n't seen it yet and he does n't really trust faxes so I should just email it. The implication was that he was n't even bothering to check his faxes because they 're unreliable so the best way to send documents is email. He told me that I could reply to an email of his and if I replied back it would be uploaded to the account directly. He said the email would be out in about XXXX minutes. The email finally came XXXX -- six hours later. I simply could not wait around that long for him to send the email, and he told me that any documents sent to his email would be automatically uploaded so I had already emailed the necessary document to him at XXXX. When I spoke to him today, XX/XX/XXXX, he said that he closed my case because the all necessary documents had not been received. He said he had requested the documents on XX/XX/XXXX so he does n't even remember correctly what day we spoke. He kept saying that our correspondence must have " crossed '' which makes no sense because I sent the document within 15 minutes of him asking for them. Even now it 's only 3 business days since he requested the document so how can he close my file so quickly? I first applied for assistance back in XX/XX/XXXX and I even reapplied on XX/XX/XXXX because it had been closed for the same reason -- package incomplete. However with such poor communication from XXXX XXXX how can I ever figure out if and when they have all the documents they need? I am very concerned because after 4 months we are no closer to reaching a resolution on my loan modification.
06/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06824
 Web Older American
I have a commercial loan with Bayview Loan Servicing but no escrow account with them. I have been paying my own real estate taxes, commercial insurance and flood insurance for many years. On XX/XX/2019, Bayview went into the XXXX, CT public records and upon seeing my real estate taxes were not paid yet, and they are due by XX/XX/XXXX, decided to make my payment for 6 months of {$5200.00}. What they did not know was I paid by company check to the town of XXXX, CT the amount due. I called Bayview many, many times and explained to them their mistake but they did not care, in spite of showing them, the public records are current. The tax collector in XXXX, CT verified they received Bayview 's check and since I was current, sent back the check to Bayview. Bayview then proceeded to post my regular monthly mortgage payment as {$2500.00} PLUS an additional {$5200.00} as a total due monthly of {$7700.00}. Since I did not pay the erroneous escrow of {$5200.00} back to them and while they were waiting to get the check back from XXXX, Ct, they posted to all 3 credit bureaus I owed them a monthly payment of {$7700.00} in XX/XX/2019 and continued to post I owed them a monthly payment of {$7700.00} in XXXX, XXXX, XX/XX/2019. I called Bayview many times each month but they did not want to hear anything from me. I complained to you and still have not received an answer back from the US government except that instead of 30 days to resolve, it is now 60 days to resolve which ends up by the end of XXXX, rather than the end of XX/XX/2019. I also complained to the 3 credit bureaus. XXXX never responded to me, XXXX said my Bayview account was deleted, from their profile of me and XXXX sent back a resolution to me that is totally NOT acceptable to me. In XX/XX/2019, they now show my monthly payment is not {$7700.00} but {$2500.00}. BUT, why do the months of XXXX, XXXX, XXXX and XXXX still show my monthly payment was {$7700.00} but is erroneous reporting of my profile? This is not true and I want it removed immediately, NOT 3 or 4 months later. Their erroneous reporting of my profile has caused me to be turned down by XXXX XXXX for a refinance of a residential property I was doing while this was going on. XXXX XXXX told me they turned down my application because my monthly payment of {$7700.00} monthly to Bayview was way too high for me to afford a refinance. Bayview 's erroneous payment of my real estate taxes and subsequent denial of responsibility has hurt me financially and I am still waiting for the CFPB to help me out in this matter.
07/05/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30228
 Web
Servicing rights to our account were transferred to Bayview Loan Servicing effective XXXX/XXXX/15. The first mortgage statement we received from them was dated XXXX/XXXX/15. The account balances quoted on Bayview 's statement did not agree with our own records. Our records are built on a document called " Simplified Transaction History '' sent to us by the president of a prior servicer. He assured us that this " Simplified Transaction History '' was an accurate representation of our account as of a given date. We based our records on this Simplified Transaction History and recorded all of the account activity since that specified date, thereby developing an up to date record of our account. Upon receipt of the mortgage statement from Bayview, we submitted a " Qualified Written Request '' disputing the balances shown on their statement dated XXXX/XXXX/15. Enclosed with our QWR we submitted ( a ) a copy of the Simplified Transaction History sent to us by the prior servicer ; ( b ) a copy of the letter from the president of the prior servicer stating that the Simplified Transaction History was an accurate representation of our account on a specific date ; ( c ) a copy of spreadsheets distributiing the entries in the Simplified Transaction History to each entries component parts ; and ( d ) a copy of a spreadsheet recording all of the activity on the account after the specified date. Bayview 's response to our QWR was dated XXXX/XXXX/15. Their response did address the Simplified Transaction History. Their response did not address the letter from the president of the prior servicer. Their response mentioned our spreadsheets only to say that the resulting balances did not agree with their own record. They did not identify any errors whatsoever in our records. With respect to their own records, they did not provide and documentation showing how the balances in their statement was developed. We have written them several QWR 's and letters but they refuse to address our disputes in a meaningful manner. Bayview 's correspondence states " Bayview Loan Servicing , LLC is a debt collector ''. Since Bayview has not ceased collection of the debt, we consider them to be in violation of the Fair Debt Collection Practices Act. Since Bayview has not corrected their records or provided an explanation of the discrerpancy between their records and our records which are built on documents sent to us by a prior servicer, we consider them in violation of RESPA. Such disregard of the statutes governing their activities can not be allowed.
05/31/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33415
 Web Older American
This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : Bayview Loan Services, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX that have been appearing one after another in the case explained here below. On XX/XX/XXXX Bayview Loan Servicing filed an unsupported foreclosure on XXXX XXXX Courthouse case # XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX Society of XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; XXXX XXXX repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by Bayview LS. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. On XX/XX/XXXX the new and fourth servicer/owner appeared : XXXX XXXX XXXX XXXX ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through XXXX XXXX from XXXX XXXX dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess XXXX XXXX is under a lot of pressure from this block of entities created to try to crush the system. I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to XXXX XXXX XXXX the full payments accumulated that they sent back as well as the payment of XXXX. Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4 servicers/owners. They are abusing me because I am a defenseless XXXX XXXX XXXX XXXX that will turn XXXX next XXXX, and which health has XXXX with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.
01/03/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08021
 Web Servicemember
XX/XX/XXXX My brother XXXX XXXX XXXX, ( borrower ) bought home : XXXX XXXX XXXX XXXX NJ XXXX, his wife at the time : XXXX XXXX ( co-borrower ) aka ) XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX whom had also used my name : XXXX XXXX/XXXX XXXX through HUD ( XXXX XXXX program ) XX/XX/XXXX The 2 divorced in XXXX County NJ. My brother sold ( I was told ) XXXX the home for 1 . XXXX added a hand written clause to the divorce documents, stating XXXX to refinance home solely & only in her name within a reasonable amount of time. She failed to do so. XXXX filed Deed to XXXX NJ XXXX, then refinanced using my brothers name as borrower. Agreements were done through mail & phone calls. XX/XX/XXXX My brother passed from XXXX XXXX. XXXX XXXX XXXX sent a letter to my son to contact them regarding XXXX XXXX in XXXX XXXX. ( back in XXXX the 2 companies merged for a 1st time homeowners deal ) XX/XX/XXXX XXXX passed from XXXX XXXX XXXX. Her husband XXXX XXXX XXXX, stated the home was now his. knowing & depriving heirs of information ( some of this is mentioned above ). He & his brother n law XXXX XXXX began what I believe is fraudulent acts. XX/XX/XXXX The 2 had an assessment done on the home, stating ownership through XXXX & lied, stating no one lived there. Recently I found that plans are to sell so property can be used for project : XXXX XXXX. The 2 took over XXXX 's XXXX XXXX Account, then the 2 opened a joint account, & XXXX opened 1 for himself there, as well as an account with XXXX XXXX. I think I am, as well as other heirs are being prevented from any knowledge of rights to ownership of home, I believe I have & am continually being prevented from : financial resources, mail, transportation, as well as medical services. I don't want to believe this may be happening, due to fact, this is family, people I love & I am suppose to trust. I became very ill after XXXX passed & have applied for XXXX. Personal documents have vanished, indirect threats have been made, & I found that t am a victim of Identity theft, ( documents : XXXX XXXX receipts/XXXX who used to located in XXXX NJ/XXXX County court record ) fromXXXX & recently mail suggesting I had requested information pertaining to myself. I am a Successor of Interest to said property as my brother had XXXX child, who passed of XXXX XXXX, & no other children. I live in the house with XXXX XXXX, who was paying my brothers mortgage, ( delinquently ), & he legally is unable to have home trabnsferred ). He claims executor to XXXX Estate, bypassing Probate. Please Help
03/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32312
 Web
Community Loan Servicing XX/XX/2021. After making regular monthly payments, suddenly in XXXX I started receiving notices of overdue payments and the process of forbearance. According to their website, they subtracted {$1000.00} from my previous payments which then showed I was behind by two months. I called their customer service and they said I put a stop payment on the XXXX payment for {$1000.00}?? The payments are only $ XXXXmo. Rep said I could send a dispute with documentation of the last 6 months Bank statements showing the ACH payments and I would get a response in 24-48 hrs. Sent dispute paperwork on XXXX, didn't hear anything for a week. Forwarded the first email with a follow-up email on XX/XX/XXXX. On XX/XX/XXXX got a call from collections trying to get me to make a payment telling me he doesn't see the dispute or the emails. Then he found the emails and gave me a different number for the resolutions team. That turned out to be the number of an apartment complex in XXXX XXXX. Called back ( each call is an hour long wait to talk to a person ) and she gave me a completely different number. Called that number, and after a hour on hold the line disconnected. Meanwhile, my insurance company of two of my rental property 's sent me notification of re-rating due to default on my mortgage and I have received several letters from Community Loan Servicing informing me that I am in default of my loan and may soon start the foreclosure process Finally on XX/XX/XXXX I spoke with someone ( another hour on hold ) who said they fixed their mistake and loan was current and they were going to fix the credit reporting in 2 or 3 weeks. In the meantime my bank is re-reviewing my SBA application for a business sale and is in jeopardy. I have still today not received any conformation from Community that I am disputing their records. They said they can only correct the record and can not contact my insurance company to explain what happened. They can not explain what happened?? Just to say it was a mistake in the payment processing dept. How can that be? All my payments are ACH which is an automated process? How can you " stop payment '' for {$1000.00} when the payments are {$760.00}? Mistakes happen, I get it, but how you how you react to fix it is how you are perceived. Customer service is WAY down their list of priorities and feel bad for their frontline employees who have to deal with the incompetent Ownership and Management of this company. Its greedy to take on more business than you can manage effectively.
06/12/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 778XX
 Web
I recently filed a complaint about Bayview Loan Se vicing. There has been some things brought to my attention. XXXX XXXX bought XXXX XXXX XXXX in a Foreclosure Sale. Someone made an offer on the property, they got turned down. XXXX XXXX was the listing agent, XXXX XXXX refereed them to XXXX XXXX. They was told the property was sold but never could find out by who. They submitted another offer was submitted through XXXX green, XXXX XXXX was asked and she told them that she did n't know who the new owners were. The property was Quit Claimed to XXXX XXXX XXXX, Offers were made for XXXX months no one ever said anything about it being Quit Claimed, never was told who they were. Now the property 's servicer 's are Bayview it was listed on XXXX. Ihave found several properties done like this. What concerns me is that XXXX and XXXX XXXX are always the agents and sometimes the property is sold or Quit Claimed to XXXX and/ or XXXX XXXX. It 's always the same people involved.The property XXXX XXXX XXXX XXXX XXXX, TX XXXX was listed incorrectly online but when the people tried to purchase it XXXX tried to sell them XXXX acres, they corrected her she finally fixed it. Another couple tried to buy a house down the road got a USDA loan XXXX XXXX listing agent. When it got to the title company they found a problem, It was brought to XXXX attention she refused to fix it. So the contract got cancelled. XXXX XXXX was the servicers it was a short sell. The couple asked XXXX XXXX for their earnest money back she refused and made all kinds of excuses. They finally threatened to get a lawyer she finally gave it to them. The property XXXX XXXX XXXX XXXX XXXX XXXX still has the earnest money checks. There are a XXXX listed on XXXX that the same people are involved in. The XXXX property had n't went to foreclosure when the XXXX tried to buy it but it has since and all the same people are involved and then both houses are listed same time, same site, and same people.XXXX XXXX took people to court for eviction their lawyer told the people they only received XXXX offer on XXXX XXXX XXXX XXXX, XXXX XXXX 's attorney also informed them that they did n't have a listing agent for the property. The next day XXXX XXXX calls and tells the people that they said things in court about her that was n't true. They had emails and correspondence with XXXX XXXX emails and text. The bank XXXX XXXX mailed letters to the home owners but they used the address XXXX XXXX XXXX XXXX XXXX, TX instead of XXXX, Tx then said people refused certified letters.
05/24/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 92028
 Web Older American
I spoke with my mortgage company in XXXX asking them the impact on the escrow for the deferred payments, I told them I did not want my escrow to increase once I have completed the fb and subsequent deferment. They said my payments would increase so I advised I would make a payment for all the past due escrow payments to avoid this, the agent processed a payment over the phone for me for {$5700.00} and posted to escrow. They said ok, I was contacted advising me that my COVID forbearance was coming to an end and that they could either extend it another three months or complete with a deferment to the end of my loan. I asked them to extend, they went on to tell me that more than 12 consecutive months can not be done so I would have to pay for the XXXX payment and that they would give me a fb extending me thru the end of XXXX. I asked them how that is an additional 3 months?? That is not three months. A couple weeks later I received a letter detailing all of the payments owed, the payments included the escrow I had already paid. I called them and advised them that the payments indicated in the deferment letter was incorrect. They told me that regardless of me paying the escrow, they will still put the entire PITI at the end of the loan. I told them that is not correct and requested that they reverse the payment posted to escrow, conclude the fb and defer the payments, and then use that money to post the next two mortgage payments with the overage to principal. They said ok. In the interim, I received a collection letter advising that I did not qualify for forbearance or deferment. I reached out and they said the letter was incorrect, they asked me again if I wanted the fb and I said yes. I asked them about the money I sent that was reversed, they told me they will not be refunding this as it has been too much time. I called again, XX/XX/24 asking about the money and the outcome because I was supposed to receive an escalated call back and did not and it had been a week. They sent me to the resolutions team and I spoke to XXXX and she confirmed I am on a fb and that the money was not in unapplied but had been posted to payments!! I told her the whole situation and told her that I at no point advised them to post any payments while I am in fb. I told them that if they concluded the forbearance and completed the deferment that it was to apply to payments due going forward! She advised me that she will have to talk to upper management to request approval to reverse the payments posted and refund me my money.
06/21/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • XXXXX
 Web Servicemember
I have had a history of complaints regarding this organization ( Bayview Loan Servicing ). I am currently in court because I filed and OSC/TRO against them due to their illegal attempts to add escrow account to by cooperative loans, and change my monthly payments to include the escrows. If you take notice of previous complaints ( XXXX, XXXX, XXXX ) there is a pattern of this mortgage servicer not providing complete information. They drag out the process by making me re-request the same information and then do not answer the points of concern, or send incomplete or incorrect responses. A ) In the beginning of this year I demanded that they send me the name and contact information of the owner of the cooperative loans I have with them. One XX/XX/XXXX they provided me with just a bank name and address. They stated the bank that owned the loan ( s ) was XXXX XXXX XXXX. I contacted XXXX XXXX XXXX by certified mail and they re-directed me to Bayview. I then called the phone number on the XXXX XXXX and called XXXX XXXX ( research analyst XXXX XXXX ). She informed me that the information provided by BLS is incorrect and that XXXX is the master servicer. She went on to tell me that XXXX XXXX is in fact the owner trustee of the loan ( s ). She further informed me that she reached out to BLS to tell them that they provided incorrect information to me and that they needed to resolve this. To date I have not received the name, and contact information of the true owner of my loans. B ) Next BLS is depicting my accounts as escrow balance accounts when these accounts are not escrow accounts. C ) BLS is reporting incorrectly to CRA 's by balance of accounts, and was reporting late payments incorrectly. I owe less than {$1000.00} on one account and less than {$1300.00} on the other ( XXXX, and XXXX ). They both will be paid off by XX/XX/XXXX and XX/XX/XXXX respectively. They are reporting that I owe over XXXX per unit to the CRA 's. D ) BLS is not sending me my invoices per month for XXXX to date, and may be planning on not sending me my invoice for XXXX next without explanation. E ) They still have not provided me with proof positive ( source documents ( check, or otherwise ) ) depicting the payoff of XXXX in XX/XX/XXXX as previously requested. I sent BLS the below email to all the key persons and to their attorneys. My understanding is that they must respond within 10 days. It was sent on XX/XX/XXXX. It is now XX/XX/XXXX, and this request was initially made back in XX/XX/XXXX when they gave incorrect information.
05/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • FL
  • 33030
 Web
XXXX Email : Phone Number : XXXX XXXX XXXX My name is XXXX XXXX I 'm a XXXX for 25 years. My mother died last year in XX/XX/XXXX . She left me her home with a quit claim deed which was recorded. I sold it short sale to her neighbor for decades, who also is a XXXX , We did a contract which was accepted by XXXX XXXX XXXX a servicing agent with an appraisal. The bank sold the loan to XXXX which also accepted the contract for a second time with an an appraisal. XXXX sold the loan to a local bank called BAYVEIW i n XXXX Florida, who ignored our offer as well as went into my deceased mothers house illegally with a lock smith and sent a preservation team to her house. ( let me preface the fact this is not a foreclosure it is a short sale and I have all the rights to this home ) I went to the house and all her exotic plants were stolen, all her tree were cut down and all pool, patio, gardening equipment was piled in her house. It was a disaster. I called the police and filled out a report. Then the following week I drove by again a caught a company in my mothers house hired by BAYVEIW covering her pool illegally. I called the police again and filed a second report. They finally responded to our purchase offer and came back with an over inflated appraisal and is refusing an appeal. They are trying to force my hand for a deed in llueof a foreclosure which I will NEVER SIGN TO THEM!!!! We have XXXX prior accepted contracts with appraisals ( appraisals are under strict laws ) The home needs over {$100000.00} worth of repairs which we can substantiate with contractors reports! They are disreputable thrives, crooks, and robbers. I 'm currently undergoing active XXXX XXXX for a very aggressive XXXX and I 'm overwhelmed by their blatant disregard for the law entering my deceased mothers home and Ws honestly traumatized being this was the home I grew up in which my my father purchased 2 years before I was born bac k in 1963. I 'm grieving the loss of my mother terribly and this crooked bank trashed her home which I have pictures. I have pictures from the XXXX previous appraisals and contractors to substantiate what these people did to my mothers home. I have the lock box they put on her home. I just want them to sell to my purchaser at fair market value which they are refusing!!!!! I NEED HELP!!!!! I 'm very sick from the XXXX and recovering from XXXX and want to expose this bank for the railroading!!!! They are trying Thank you, XXXX XXXX XXXX
04/21/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33138
 Web
XXXX XXXX, XXXX cfpb Re : Bayview Loan XXXX XXXX XXXX XXXX XXXX XXXX I have sustained unmeasurable financial and personal loss as a result of the misleading and unethical conduct of Bayview Loan Servicing. I believe I am due a substantial reduction of fees, interest, and principle as a result of the gross mishandling of my mortgage. The attached timelines chronicles the events that effected this situation, to date. I must stress it was based upon Bayview advised that I decline the original modification as the offered a principal reduction program of which my approval was " eminent ''. 1. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( loan XXXX ). Shortly thereafter the loan servicing was assigned to Bayview Loan Servicing ( account XXXX ). 2. XXXX XXXX, XXXX. After 22 months qualified for Home Affordable Loan Modification - Representative 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX. XXXX ). 3. XXXX XXXX, received notice that I qualified for a new modification based upon a national mortgage settlement reducing monthly payments " up to 39 % ''. From XXXX XXXX Bayview Loan XXXX XXXX. XXXX XXXX, XXXX - received notice of approval on XXXX XXXX XXXX XXXX 5. On XXXX XXXX, XXXX as instructed by XXXX XXXX ( per the advice of his supervisor ) to decline loan modification and apply for settlement program, which I did. 6. Over a period of a year, supplied documentation to XXXX. Each time he acknowledge and stated things were moving along well. 7. XXXX XXXX, XXXX receive notice of Default and Intent to Accelerate from Bayview. XXXX year after being advised to decline loan modification. 8. With the assistance of XXXX XXXX international ( client XXXX ), Representative XXXX XXXX XXXX Bayview re-opened modification program application. I was under the assumption it was the same program XXXX proposed, assigned to XXXX XXXX at Bayview ( who has been most helpful ) XXXX. 9. XXXX/XXXX/XXXX Approved for loan modific ation ( not from settlement ) program with a massive balloon payment of {$310000.00} but a lowered interest rate. Far from the 39 % reduction I was lead to believe. Representative XXXX XXXX XXXX x XXXX. 10. XXXX/XXXX/XXXX XXXX XXXX informed me they do not offer settlement reduction modifications. I said I had a copy of the proposal, which I forwarded to him ( attached ). Please note if I proceeded with the original modification, rather being instructed by Bayview to reject it, I would have been making payments over the past 23 months, there would not be an extreme past due balance.
11/11/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 92071
 Web
I completed a Forbearance plan, with a down payment of {$3500.00} and XXXX additional payments of {$2000.00}. However, after making all of my payments I was told the amount was n't accurate and I owed additional money. Each month my mortgage statements have a different amount owed. Recently I requested additional information and received written correspondence XX/XX/XXXX from XXXX XXXX, case manager customer support department of Bayview Loan Servicing. The letter stated my correct payment would be {$1600.00} rather than the {$1800.00} reflected in previous statements. However, my new statement indicates the payment amount of {$1700.00} for XX/XX/XXXX. Again differing what was listed in the written letter. Listed on the Customer Account Activity Statement dated XX/XX/XXXX myloan interest rate is reflected at 3.25 %. However, on all of my statements itis listed at 4.25 % which I 'm currently being charged. XX/XX/XXXX I received written correspondence from the Bayview LoanServicing, Insurance Department stating they had received appropriatedocumentation for my private home owners insurance. I have maintained a privateinsurance policy through my HOA and an additional policy through XXXX XXXX. However, I was charged {$970.00} ; XX/XX/XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXXXXXXThis amount has n't been credited to my account and I continue to be charged ahigher amount for my escrow account based on inaccurate numbers. In the AnnualEscrow Account Disclosure Statement dated XX/XX/XXXX it is reflected my escrowaccount had a shortage of {$1700.00}. I have received the current property taxbill for the XXXX tax year. The total amount due is {$2600.00}. I amcurrently being charged {$350.00} a month for escrow. As of the XXXX XXXX, XXXXmy statement reflects I 've paid {$2500.00}. I have tried to work with staff assigned to my account. I had a XXXX minute phoneconversation with XXXX XXXX XX/XX/XXXX. The outcome of that conversation was the letter generated by XXXX XXXX XX/XX/XXXX. I attempted to follow up with XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not one of my phone calls wasreturned. I am desperate to find someone who can assist me in resolving theabove errors and moving forward. I am concern with the lack of follow throughand do n't know what else to do.
12/08/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • GA
  • 30294
 Web
XX/XX/XXXX/XX/XX/XXXX my mortgage payments were being delayed due to a changed of my income and household finance. I notified my mortgage company XXXX XXXX and asked if I could qualify for a hardship help. I received the papers in the mail and immediately faxed them back to the person who was assisting me XXXX XXXX XXXX. XXXX XXXX told me that my paperwork was submitted and that he would let me know what the outcome would be. I received a call around the end of XX/XX/XXXX, and I spoke to a XXXX XXXX XXXX, he explain to me that he is the new person on my case that will be helping me in my modification and that somehow XXXX XXXX has misplaced all of my documents. XXXX XXXX stated in order for me to be consider the committee said I must complete the documents over again, and so I did. So XX/XX/XXXX I faxed all the documents that was requested in to XXXX XXXX all that I did not faxed I email to him and was waiting on his response. A week later XX/XX/XXXX, XXXX XXXX stated that the documents were missing and some were expired, he also stated that I had a certain amount of days to get those documents in and I did. XX/XX/XXXX in the first week came and I received a call from XXXX XXXX and again he stated that he not yet to receive the documents that I faxed to him and my filed has been on hold because of this matter. By this time I am upset because I feel as if someone is not being truthful to me because I know I have sent the required documents several times and I am being brushed off. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX and again the documents were not in, and most of them were expired, I were just shocked. So I expressed my concerned about this issue and said that " XXXX XXXX has a history of taking property from people that has problems making payments '', and I stated that I am going to talk to someone and get some help with the Better Business Bureau or the Federal Trade Commissioners office and when I made that statement XXXX XXXX became very upset with me and reassured me that this is not the issue. On XX/XX/XXXX, I received in the mail a notice that my home was being foreclosed and it was filed on XX/XX/XXXX. I felt as if the mortgage company did that because of my threat to report them of their unfair practice. I have enough equity to refinance or take a second loan out but I was not giving that option at all or consider that option at all. I have documents to back up the dates what was sent to each of the representatives that was fax and time, date.
01/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • XXXXX
 Web
The current investor trustee XXXX XXXX XXXX XXXX XXXX holds a note that was fradulently fabricated and is not the orginal which I have in my possession and which contains no endorsments cause it was never endorsed. Also attached is the promissory note with no endorsment faxed by prior servicer months before the one with an endorsment and lacking any date or nortirization lacks the proof as the orginal and that it wasn't actually endorsed in XX/XX/2016 well after XXXX no longer exsisted. The current servicer after being informed still has done nothing to reslove this matter. They don't have in there possession the orginal promissory note either or even the right to service the loan. XXXX never assigned or I never recieve notice that they transfered servicing and if they did who it actually was. Attached also is a service transfer estimates that actually states rXXXX XXXX XXXX XXXX as the trustee for this loan and not XXXX They are harassing me with a debt they have no right to collect on as they where never properly sold or transferred servicing rights and are not the note holder and not entilted to recieve payments. They have no license to do business in Hawaii and don't hold a local point of contact required by state law. They continue to send me statements and raising The attached disclosure about XXXX states they are not the lender and only a mortgagee in a noominee capacity and then being so doesn't effect my obligation to lender under promissory note. XXXX even though they made an assignment of mortgage never possessed or was given the promissory note threw endorsment and therefore can't assign a mortgage they don't have possession of the note it states they are assigning. Further they where to act on soley as nominee for lender which didn't exsist at the time of the assignment and XXXX XXXX wasn't the note holder at that time either and never provided proper notification that they where ever sold or transferred rights to service the loan. Also the assignment of mortgage is on a two page document with no page numbers and one page contains the assignment and the other the notirization. The two pages have no signs that they even where fabricated at the same time and could have easily been done seperatly and with no knowledge to the parties on the document. The second page also contains hand written in attached assignment of mortgage borrower XXXX XXXX XXXX and has no intials by notary that are required per state law when something is changed on a notirized document.
12/09/2017 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • XXXXX
 Web
Bayview Home Loans LLC is trying to collect on a purported debt. Various sevicers, lawyers, and agents for purported lender/beneficiaries XXXX XXXX XXXX, XXXX. No valid transactions can be documented since the original purchase loan and the purported transfers and or sales of the disputed loan that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have not verified or dealt with in good faith. While contesting the foreclosure initiated by XXXX for XXXX under the deceptive and possibly fraudulent identity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as trustee for the benefit of the certificateholders of the alternative loan trust XXXX mortgage pass through certificate, XXXX XXXX and their lawyers from XXXX XXXX XXXX XXXX, including atty XXXX XXXX, Esq, XXXX who may have misled the court as to the claims of XXXX and XXXX in a quiet title action and the current foreclosure action and counterclaim the purported loan was again transferred to Bayview Loan Servicing LLC. XXXX XXXX, Bayview and their agents and lawyers continue to commit unfair, abusive and deceptive practices such as robosigning and probable fraud on me and the courts. On XXXX/XXXX/XXXX I received a DEBT VALIDATION LETTER from Bayview that states that XXXX and XXXX XXXX are the owner of the debt, This XXXX XXXX differs from the previous claims since XXXX referring to XXXX XXXX or similar, erroneously named trusts. On XXXX/XXXX/XXXX I sent a response to the Debt Validation letter that I dispute the debt. Neither XXXX nor XXXX have validated the purported debt since a title search prevented me from selling my property in XXXX. While neither XXXX nor XXXX have validated their claims the figure of {$250000.00} does not correspond to the purported amount of debt. On XXXX/XXXX/XXXX I sent a Qualified Written Request by certified mail to Bayview Home Loans LLC I have not recieved a response to either letter in violation of my rights by operation of law as to the validation of debt letter and the Dodd Frank Act as to the QWR. These recent violations and abuses continue a pattern of harm, fraud and denial of basic rights where the court and Judge are ignoring the facts and policy to address the harm done to homeowners and consumers. The accounting and escrow that they keep issuing forced insurance, fees, on my property. This needs to be addressed asap as they are causing me great harm and stress. Bayview Home Loans LLC has no right to my property and they need to STOP HARRASSING me with this purported debt, Thank you
04/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22193
 Web
On XX/XX/2019, I received my XXXX mortgage statement. It alleged that I owed for 3 months ( {$2800.00} ), and that due to an incomplete payment, my last payment at the time of this mailing, was in a suspense account. This dollar amount was {$960.00}, but as my normal mortgage payment has NOT changed, and my normal payment as of XX/XX/2019 is {$960.00}, this is incorrect. On XX/XX/2019, I was able to get through to customer service and a representative for the company said that he saw where the error was. He said that " Corporate Advance Fees '' had been added to my mortgage payment, and that the computer read this as my payment being incomplete. He said it was a computer glitch, and that Bayview would send a corrected statement on Tuesday XX/XX/XXXX, to show that I only owed for XXXX and XXXX. I asked if he could take my XXXX payment over the phone, and he said that he could and then the XXXX statement would be resent to reflect that I only owed for XX/XX/2019 and going forward. I waited a week to file this complaint, as I fully expected to have the corrected statement in my hands no later than XX/XX/2019. On Friday, XX/XX/XXXX, I called Bayview again to ask about the status of my concerns and I was told by this representative ( not the same as before ) that she could see in the notes that there appeared to be an error in my payments, that she could see that I'd paid more than my required payment for XXXX, that she could see that I'd made my XXXX payment, but that she didn't know why a new statement had not been sent out. This is very concerning to me as VA is a non judicial foreclosure state, and when a payment is held in a suspense account it appears as though the home owner is behind on payments. I have been in my home 29 years and 7 months, and I have NEVER failed to make a full mortgage payment within the month that it is due. I make my payments over the phone toward the end of each month because when I was mailing in my payments, Bayview would delay processing my payments for as long as two weeks. Since I am in an active Chapter XXXX Bankruptcy, no late charges are allowed to be added to my mortgage payment if it is late, but I understand that once my bankruptcy is discharged, my payment will need to be processed no later than the XXXX of each month to avoid late fees. I am paid twice monthly, and by paying the mortgage toward the end of each month I'm able to fulfil my other financial obligations that must be paid prior to the XXXX of each month.
12/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 184XX
 Web Servicemember
This is In Reference to my previous complaints that I have asked you to investigate against Bayview / Community loan servicing under complaint # XXXX and XXXX. I am asking CFPB to investigate the details of the forclosure below. Community loan servicing is not responding to the their improper handling of this mortgage foreclosure. ALL CORRESONDENCE ( PLEASE SEE THE ATTACHMENTS ) WERE SENT TO THE ADDRESS OF THE PROPERTY WHERE NONE OF THE PARTIES RESPONSIBLE FOR THE MORTGAGE RESIDE. EVEN THOUGH I MADE AGREEMENT FOR THE LOAN MODIFICATION IN XX/XX/XXXX VIA EMAIL AND THE FIRST PAYMENT WAS CASHED IN XX/XX/XXXX, NO FURTHER CORRESPONENCE WAS SENT TO ME AT MY ADDRESS THAT WAS GIVEN TO COMMUNITY LOAN SERVICING. EVERY PIECE OF CORRESPONDENCE WAS SENT TO THE INCORRECT ADDRESS. The loan modification agreement that was issued by Bayview was never forwarded to me for the payment arrangements although Bayview had my home address, email and my cell phone number. There were no attempts to contact me only letters and arrangements sent to the property address that I did not receive. The transfer of service that is referenced to have been issued to me was also issued to the address of the property. This information as to the transfer of the mortgage was never sent to me to my address of record nor was I notified in any other way. Community had all of my contact information but chose not to contact me at my home address, my business email, nor to my cell phone. XXXX XXXX at Bayview had all of my contact information. ( see the attachments ) Community states they are unable to comment on the servicing of the loan as the loan was transferred to XXXX ; however they were responsible for giving the new assumed company my correct contact information which was NOT done. The transfer of service company, XXXX XXXX, was not given my correct contact information by Community as no attempt was made through this company regarding the previous modification or a new modification agreement and the property was sold on XX/XX/XXXX without any notification to me as guardian to XXXX XXXX XXXX. This is my third attempt to ask to have this reviewed as to the fairness and integrity of the transactions that occurred. I continued my contact with Bayview/Community into XX/XX/XXXX with no resolution and no cooperation. Community simply want to transfer the blame for the foreclosure sale to XXXX XXXX XXXX XXXX whom never received the proper contact information for this loan.
03/09/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 90302
 Web
I have been in review for a loan modification for quite some time now. My loan transferred to Bayview Loan Servicing XX/XX/XXXX, when I submitted a loan modification to them. I have been back and forth with them in submitting documentation continuously. More specifically, I have been informed by multiple representatives that my file had been in review and was with their Underwriting Team since XXXX/XXXX/XXXX ( that 's how they were able to postpone the multiple sales on my account ). On XXXX XXXX, i received a call from the representative with Bayview and was advised that my file had still been in underwriting and the sale date which was originally scheduled for XXXX/XXXX/XXXX was placed on hold. I called on back on the date of XXXX/XXXX/XXXX to see how things were going with my review and was informed that my home went to sale earlier that morning. Unbeknownst to me, i was complete shock since i was just notified that my file was with their underwriting department and advised my sale was placed on hold. I asked to speak with management and was told they would need to call me back. I didnt receive a call back for a couple days only to receive a denial letter dated XXXX/XXXX/XXXX ( after the sale took place ) that my loan modification review had been denied. The manager contacted me on XXXX/XXXX/XXXX and i was told that that they had made a mistake and that they would be rescinding the sale but that it would take about a week. They then told me that it had been denied for the HAMP modification program but that it would be approved for an in house. They advised the home went to sale to a 3rd party but they would be contacted to let them know that the sale would be rescinded. I followed back up with them on XXXX/XXXX/XXXX, spoke with XXXX XXXX who informed me that a decision had been reached by their Senior Management Team that the foreclosure will no longer be rescinded. They didnt care that i had a perfected file in review with their Underwriting Team and they were not concerned with the Homeowners Bill of Rights and their decision still stands. This is such a violation with everything that the Homeowner Bill of Rights stands for. This is a home that i worked very hard for and now was taken from right under me. I complied with everything they ever requested and never balked on any information they requested. I really need you help. Now they are not budging on anything they had previously stated and are taking my home. HELP HELP HELP!
06/02/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21229
 Web
On XXXX 2015 I received a letter from Bayview loan servicing saying that my escrow was short XXXX. I called in XXXX to ask about making the payment and the representative told me that I could make the payment over the phone and she would make sure that it was applied to my escrow account. On XXXX XXXX I received a statement saying that my new payment would be XXXX starting XXXX XXXX. I immediately called to ask what the increase was for and at that time the representative told me that I had a shortage in my escrow. I then explained to her that I paid it in XXXX and she researched and found that I did pay the shortage over the phone and that she would request for the funds to be transferred to the escrow account and I should call back in two business days. When I called back nothing had been done. The new payment amount was still reflecting and I had to explain again what happened and the representative assured me that this would be taking care of. I called back a week later to find that still nothing had been done. I was told they were running a new escrow anlyst but still nothing has been done about this shortage that I had paid already. I called on XXXX/XXXX/2015 and I was told that someone requested for the money to get put back in my escrow account but the request was stopped and she did n't know why. I called back yesterday to be told by the supervisor name XXXX that I never paid the shortage. She told me that the company gave me a corporate advance because I had not made the payment and I explained to her that I made the payment in XXXX. I asked her to please review all the notes on my account as I have been calling all month about this issue. She told me that the last notes she saw was about me complaining about the escrow. This company has yet to fix this issue even though I have been calling about this all month. The have charged me for return check fee 's and there was no check returned. I checked my credit report and they have already reported the new payment of XXXX without even fixing my issue. This seems to be a XXXX violation. There seems to be an unwillingness to fix this on Bayview 's end and now this will impact my credit but I did make the payment. Please help me fix this all if my efforts have been ignored by this company. The other bad issue is if I would not have quested the new payment amount I would have been paying for something that I already paid for. My mortgage is under my maiden name of XXXX XXXX XXXX
10/18/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 961XX
 Web Older American
I applied for a loan modification earlier this year with XXXX XXXX XXXX XXXX. The modification process was being serviced by Bayview Loan Servicing. The purpose for my request for the loan modification is that my mortgage payment is {$770.00} with an interest of 6.750 %. I live on my Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate they charge at the same 6.750 %. The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation based on the appraisal that makes no sense to me. Their appraisal noted that I have a 2 bedroom, 2 bath home. They also showed that my home has a pool. Neither fact is true. I have only 1 bathroom. I live in a rural area.. The 3 comparable listings they used had either more bedrooms or more baths. Each would add value that I do n't have. They claim the average time on the market is 120 days. The 3 homes have been listed for 4 months, 5 months and the last one more than 7 months. Obviously the 120 day figure is inaccurate. These other homes all have more rooms than mine and are priced above {$110000.00}. But they have n't sold and their value should not be used as a barometer for what mine should be worth. Of the 3 comparable sales they used, only 1 property sold in excess of {$100000.00} ; the other 2 were at {$74000.00} and {$75000.00} respectively The {$100000.00} sale had a 3rd bedroom and was 1800 square feet. My house is only 1122 square feet. I 'm not sure why they would say my house that is significantly smaller would be valued at nearly the same price! Finally their report shows the condition of my house as good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous area and have no central heat ... I use a wood burning stove for heat in the winter. None of this was factored into the evaluation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense.
06/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08234
 Web
I lost my job so my mortgage was transferred to Bayview Loan Servicing. I was working on getting back on track with a three-month trial plan that would avoid foreclosure and allow a modification. I made my first payment XX/XX/XXXX. When I called to make my second payment XX/XX/XXXX, I was told that I'd never made the first. It came out of my bank, so I had my bank look to see where it went, and it showed that Bayview put it in the wrong account. ( attached ) I also found out that because I'd " missed '' that payment, they had sent my mortgage to foreclosure. At that time, I called several times to get it fixed. An escalation " expert '' told me the only way to get anything to her was fax ( no email, which I later found was untrue. I could have emailed ). I purchased an online fax app to be able to get them what they needed. Still nothing. I did call their attorney to find that, at least, the foreclosure was frozen and nothing had moved on it. Finally, after nearly a month of calls they fixed it. Still there were issues on amounts. They supposedly now have paperwork backdating the first payment. I have since completed the three required payments, but the modification would have added 12 years to my mortgage, so I said I would rather just pay the back amount owed in increments. It's listed as about {$7000.00} but that's an issue as well. In that is about {$1800.00} or more in legal fees they paid to start the foreclosure process. A process that only happened because of their mistake. There is paperwork in their computer, I was told, that shows they backdated my " found '' payment to XX/XX/XXXX and that the foreclosure proceedings began XX/XX/XXXX. The woman I was working with agreed that this should be looked at. Two weeks later, still nothing. And now my mortgage is due again but when I called yesterday to check in and pay at least this month, I was told I need to do it through the person assigned to me. She failed to call on the appointment they gave me with her. And, I have a letter from the company saying that, since I didn't take the modification, I can either sell my house, have a pre-foreclosure sale or give them the deed to my property. Really? Because those aren't my only options. But from what I've seen in my brief online research, this company is good at forcing people into foreclosure and taking their property. So, I need this looked into. Not just for me but for the other people they may be doing this to.
07/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10465
 Web Older American, Servicemember
I am a XXXX year old widowed XXXX senior citizen who is not only a " Victim of Predatory Lending '' since 2007, but I believe that my " Civil Rights '' have been violated according to the 13th & 14th Amendments of the U.S. Constitution & Certain Congressional Acts, especially applied to an " Individual '' or a " Minority ''. Each year nearly One Million Loans are made with " unreasonable terms '' & " abusively high lending fees ''. The Elderly 's property wind up in Foreclosure, because the institutions know that they can not afford this in the first place! I have been told by Attorney 's at the XXXX Supreme Court house that it is in fact " Predatory Lending ''. I have proof if you need it! I have submitted with the help of my niece over 25-50 Loan Modifications to the different agencies that were chosen to collect from the Original Mortgage Company, American Dream Mortgage Bankers , Inc. Each one was denied because I could n't afford the payment. The servicing company at this time is Bayview Loan Servicing , LLC. Please note that I am in the process of yet another loan modification that was requested from them and received by my niece on XX/XX/XXXX( please note that my niece receives all the necessary paper work, because I can not do what needs to be done ). I recently found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has the original note. How is this possible that Banking Institutions can get away with this Injustice? It has been 10 years that I 've been fighting to keep my home, why is n't anything being done to help me? All I keep hearing is " You can not Afford this '' ... .of course I ca n't, I could n't afford this in the first place. Unfortunately, for me it was the first time that I had to handle business shortly after my husband passed. I have sent copies of my latest " Hardship Letter '' to the Honorable Donald J. Trump USA, The US Dept. of Justice, Civil Rights Division, The Honorable XXXX XXXX, XXXX XXXX, XXXX XXXX, The US Dept. of Urban Development, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I now owe on top of my 520.000.00 Mortgage {$350000.00} in late fees. I only receive SS & Veterans Pension for Husband. I have two tenants that lease the 1st & 2nd floor apartments. Please help me resolve this issue once and for all. I am sure there are millions of Seniors in the same place, maybe we should start a " Class Action Suit ''?
04/10/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 94582
 Web
I, XXXX XXXX, got a mortgage through XXXX on XX/XX/XXXX. I was paying my payment on time till XX/XX/XXXX. My financial situation got changed when I lost my job after my youngest son got into XXXX while he was playing XXXX game on or about XX/XX/XXXX, he still is going through treatment. I got job here and there but none of them was permanent. I could just bring the food to the table for the family of XXXX. I fell behind on my mortgage payments ; I was a single earning member of the family with my wife, XXXX kids, and elderly parents with loss of income because I got lay-off on XX/XX/XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, husband, and only son of my old parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another. I am requesting Bayview to reconsider my situation and accept my loan modification request and offer me a reasonable payment plan or refinance my loan. Bayview asked me to pay over {$90000.00} unpaid mortgage to re-instead my loan then take my loan to another lender to refinance it. Bayview knows no any other lender will accept my application for refinancing because I already have late mortgage in my credit report.
11/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 173XX
 Web Servicemember
XXXX XXXX XXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX XXXX XXXX is still reporting this to my credit. I am not on the NOTE or the Deed to this home. In XX/XX/XXXX, the balance on the XXXX XXXX XXXX loan was {XXXX}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {$XXXX} was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {XXXX} which included escrow. This is a gross overestimate of added fees and this is unlawful. XXXX XXXX XXXX ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX} for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX}. Now, XXXX years later with no cash out refinancing ever done, its totaling {$XXXX} - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX XXXX XXXX XXXX began servicing this loan, after I was removed and their records shows a principal adjustment of only {XXXX}, and a balance of {XXXX}, which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX XXXX XXXX email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX XXXX XXXX XXXXd why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.
01/13/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60068
 Web
Please see attached letters in regards to my attempts to have my escrow account cancelled. This began XXXX of XXXX. They did not respond to my letter and I sent a follow up letter. Their response for not cancelling the escrow was simply put as " they received the loan like this ''. That is not a legal reason to not cancel my escrow account. When I called and complained they acknowledge that I have the right to cancel my escrow account if it is in a positive balance. They just paid out taxes and the homeowners insurance and my balance is negative, so until I can have a positive or XXXX balance they can not cancel the escrow. I made my payments and in XXXX of XXXX I sent a letter explaining that in one more payment I will have a positive balance, please cancel my escrow. They never responded, I called they said they did not receive it, I could fax it. I faxed it to both their customer service and real estate tax bill departments on XXXX. I called on XXXX and talked to a supervisor name XXXX. She confirmed the receipt of the fax. I received a letter in XXXX explaining they received my inquiry and are working on it. I called on XXXX for an update and spoke to another supervisor XXXX, she explained that she shows no record of any letter in regards to cancelling my escrow account. she was polite and gave me a fax to her and said she would make sure it got to the correct department. I faxed it to her and talked to XXXX in her unit XXXX who said it was received and sent to correct deparment. In XXXX I receive a letter from Bayview stating that since I did n't send paperwork for a modification of my loan, I am no longer qualified for a loan modification. XXXX XXXX I called and was told that was a separate inquiry and that they were still working on the escrow response, should be soon. XXXX XXXX XXXX I called for an update and was told that they have no letter asking for escrow to be cancelled. I spoke to a supervisor named XXXX who said that they have nothing, I asked to fax letter to him so he could get it done because in XXXX they will pay out again and I will be short and not allowed to cancel. He explained that he does not have a fax and stated I could fax it myself to them, offered me the number. I could also mail it. I have attached copies of my letter. I want Bayview to cancel my escrow immediately and I want it done before they pay out taxes.
08/23/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 91792
 Web
To Whom It May Concern : My circumstances have increased for the better, yet my lender is refusing to work with me at all. They have even discouraged me from making mortgage payments. I was injured on my job as XXXX in XX/XX/XXXX. Since, then I have been struggling to keep my home. Now, I can afford to pay the mortgage, yet the lender did not want me to start making payments and when I did make a mortgage payment, they informed that it would not count towards my principal balance, but would be held in a separate account ( Please see the below listed letter that I recently sent to them ). Also, I have my original emails and Hardship Letters, if they are needed for your investigation ). Property Address : XXXX XXXX XXXX XXXX, Loan Number : XXXX XXXX XXXX, CA XXXX Hi XXXX and Hamp Escalations, I just left a very detailed voicemail for XXXX XXXX at ( XXXX ) XXXX asking again when I can expect to receive the below listed documentation. I also mentioned that, once again, there should not be anymore negative reporting to any of the credit bureaus, since I made a mortgage payment last month ( XX/XX/XXXX ). After speaking with a real estate attorney, my mortgage payment should not have been reluctantly received and placed in a separate account, as explained to me by XXXX XXXX XXXX. It was very difficult for me to even make that payment because XXXX XXXX told me not to make the payment because the Attorneys from your ( Bayview Loan Servicing ) litigation foreclosure department was already involved. Then, XXXX XXXX explained further that my payment would not go towards paying off my principal mortgage loan amount, but it would be placed in a separate account. So, here I am trying to make a mortgage payment and Bayview Loan Servicing is telling me not to pay my mortgage? It seems like Bayview Loan Servicing is not trying to help me keep my house, but instead wants to take my house from me. I have attached my Hardship Letter from last year and I am in a much better situation to keep my home. My home has equity and I am generating more yearly income ( Please see attached documentation ). So, I am having a difficult time trying to figure out why you will not help me keep my home. Well, as you can see, I am prepared to fight to keep my home for my family. Especially since my circumstances have improved tremendously! Sincerely, XXXX XXXX XXXX
05/16/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CT
  • 060XX
 Web
I've been having issues with Community Loan Servicing , LLC ( CLS ) since they took over my mortgage in XX/XX/XXXX. This is my 2nd complaint with this company. I submitted my 1st complain on XX/XX/XXXX. Although CLS sent me a letter confirming the error on my escrow account, the issue still has not been addressed nor have they corrected my account, as my monthly contribution towards my escrow account hasn't been adjusted. I called them multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again, and XX/XX/XXXX. Till this day, I continue to speak with the Customer Service representations who have not been helpful, and have regularly been rude, demeaning and questioning my intelligence regarding this matter, as they can not explain why the monthly escrow payment remains the same ( i.e. they're charging {$400.00} more monthly than they should be. ) My annual property taxes are {$8100.00} and home-owners insurance is roughly {$1300.00} totaling about {$9400.00} per year. Due to their errors and continued incompetence, CLS is expecting me to pay a monthly escrow payment of {$1200.00}, which totals {$14000.00}. That's a difference of {$5300.00} per year and {$440.00} per month. Another issue that I'm having with CLS is regarding the payoff amount they mailed me. Per my mortgage modification dated XX/XX/XXXX, the payoff amount is {$330000.00} ( which includes delinquent interest totaling {$15000.00} and escrow advance/negative escrows totaling {$8100.00}. ) However, I'm trying to sell my property, and the CLS Customer Service Representatives have reported to me via telephone on XX/XX/XXXX the payoff amount is {$340000.00}. CLS fails to explain the difference in payoff amounts. On multiple occasions, my attorney and I have called CLS requesting the payoff amount via e-mail/fax/mail, and sadly CLS fails to provide the documents to us. I have a closing for this property scheduled for XX/XX/XXXX and as of today, I have not received the documents. I requested the payoff documents on-line in XXXX, I called multiple times in XXXX ( so did my attorney ) and we did not receive the documents. I'm all out of options at this point with CLS, and would appreciate if my complaint were accepted and given a thorough review. CLS ' business practices and communications with me have been mentally and emotionally draining.
06/25/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • VA
  • 23324
 Web
My late mother and I are Borrowers on a XXXX XXXX XXXX home mortgage loan. We signed loan adjustment agreement documents to modify my loan agreement with Bayview Loan Servicing , LLC, in XX/XX/XXXX. My mother passed away suddenly in XX/XX/XXXX In, XX/XX/XXXX I signed loan adjustment documents and forwarded all of the requested information and my mothers death certificate, via mail and facsimile ; still, as of today, the loan has not been converted to the new loan terms. I have been attempting to work with Bayview Loan Servicing , LLC to modify the loan terms, with XXXX XXXX XXXX Bank due to my mothers untimely passing and changes in my finances and my ability to continue to make the loan payments under the original loan. On XX/XX/XXXX, Bayview Loan Servicing , LLC, sent me another permanent loan modification agreement that would take effect upon completion of the Stipulation Agreement. I signed and sent that agreement back to Bayview Loan Servicing , LLC, on XX/XX/XXXX, I made timely loan payments under that agreement, but Bayview did not change the loan terms. Bayview still has the original loan terms XXXX payment, rate, etc. ) in its system. I received notices from Bayview Loan Servicing , LLC that my loan is delinquent and they have threatened that if I do not bring the loan current, it would start foreclosure proceedings. I contacted Bayview Customer Service and the asset manager assigned to my loan explaining that my loan was modified. They agreed that the loan was in a modification and that I was to ignore the pre-foreclosure notices and continue to make payments under the modification agreement. I have been sending in mortgage payments since XX/XX/XXXX, I was told by the asset manager that they were in the process of converting the loan terms. While this is all going on, Bayview was reporting to the XXXX major credit reporting agencies that I was delinquent on the loan. I am now leaving in fear that Bayview Loan Servicing , LLC, is going to foreclose on my home. I have been making timely payments to prevent foreclosure proceedings and I have complied with all the loan terms I have agreed to. Still, they want to take my home and I am not sure how to XXXX this But, I do know that i should not have to leave in fear of being homeless, when I have done everything I was asked to do XXXX times now over the course of a year.
08/02/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 080XX
 Web
Bayview Loan Servicing took over my mortgage in XXXX XXXX at the time I already had an APPROVED Load Modification agreement in place from XXXX XXXX ( previous mortgage company ) who sent me an agreement along w/trial payment schedule to commence on XXXX XXXX thru XXXX XXXX ( 3 mos ) at that same time I received a letter from Bayview ( never heard of company but looked up which had nothing but negative claims against the company ) therefore I thought the letter stating they were taking over my mortgage was a scam. I reached out to my contact at XXXX XXXX and they informed to start my loan modification trial period with Bayview who is taking over as of XXXX XXXX. We all had a 3-way email convo where XXXX XXXX warned Bayview that they have to legally honor the loan mod agreement that was already in place and I was to make 1st payment to Bayview on XXXX XXXX. I made the 3 trial payments not only on time but earlier then XXXX of each month and have the proof. I battled with Bayview since day one, from getting a responsible person to correspond with me, conflicting info, etc. I was given a Rep that I was to work strictly with whom never responded back to me but I STILL cont 'd to make monthly payments even after trial period, never missing a month. After threatening legal action, I received my long awaited loan modification agreement in mail that stated I successfully completed the trial period ( 4 months AFTER the trial period ). The loan modification agreement is beyond corrupt - the amount they are trying to increase my loan amount to, fluctuating rate so I reached out to my new Rep I was assigned to requesting some information on the agreement, to please provide proof of missed payments and how they come up with the amount of repayment owed on loan ( normal concerns before signing a legal agreement ) but again I am getting XXXX courtesy of a reply. The statements I receive each month are incorrect - I asked Bayview to explain where is all the money I have paid to date, over XXXX ( no reply again ). I am not sure how this company is able to stay in business legally on how corrupt it is, please assist me on retrieving a legal loan modification with them or retrieve my money back that they stole. I believe with all the complaints against this company an actual legal investigation and class suit action may need to take place.
04/30/2016 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • GA
  • 30318
 Web
After discovering several TILA ( Truth in Lending Act ) violations concerning the loan transaction, being unable to obtain a certified true and accurate original promissory note from the alleged owner of the loan, in addition to a fraudulent assignment filed with the county clerk : in XXXX XXXX, XXXX I exercised my right of rescission pursuant to TILA 15 USC 1635, Regulation Z 226.23. Under federal law the security deed has been extinguished and interested parties ' rights under the security deed have been terminated. Any security interest or other interest held by XXXX 'S WHOLESALE LENDER and/or XXXX, XXXX and/or XXXX XXXX XXXX, XXXX. and/or XXXX XXXX XXXX XXXX XXXX XXXX as Trustee For the Certificateholders XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates Series XXXX and/or other known and unknown entity is VOID upon my rescission. See 15 U.S.C. 1635 ; 15 U.S.C. 1611 ; Regulation Z 226.23. These parties mentioned have NO interest or successor-interest in my property as those claims were waived by non-response and failure to file a complaint within 20 days. The parties also failed to return the original note marked cancelled and cancel the security deed and recorded in XXXX County, GA and return all consideration paid by me within 20 days of receipt of my letter 15 U.S.C 1640 ( a ). As of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX retained XXXX XXXX, XXXX of GA to act as agent to foreclose on my property with the sale scheduled on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I sent a certified letter to the law firm and XXXX XXXX to cease and desist any collection attempt, including but not limited to any attempt to foreclose on my property. Any attempt to collect under the non-existent deed of trust and mortgage is a violation of federal law. All instruments with my name have been properly RESCINDED and are VOID. As of XXXX XXXX, XXXX, the foreclosure sale HAS NOT BEEN CANCELED. XXXX XXXX is acting as debt collector in violation of the FAIR DEBT COLLECTION PROCEDURE ACT 1692 ( g ) Section809. On XXXX XXXX, XXXX via email, XXXX XXXX stated that they have no right to make a claim or successor-interest in my property. Again cease and desist! A report was filed regarding this RESIDENTIAL MORTGAGE FRAUD pursuant to OCGA 16-8-102, 16-8-104 and 16-8-105 to local law enforcement and elected officials as well.
05/26/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30052
 Web
Dear Sir and/or Madam, Please take a very serious note of the financial stress and issues I am experiencing from XXXX of XXXX to the present, as a result of overcharged taxes by Bayview Loan Servicing, of which I have completely documented with substantiating legal proof to that effect. It is extremely important for legal record purposes, that Consumer Financial Protection Bureau is well informed that all efforts on my part have been exhausted due to Bayview Loan Servicing unprofessional excuses and inability from its staff to problem-solve this matter. As a result this major problem and sub-issues are continuing with bulling treats from XXXX XXXX XXXX regarding an upcoming foreclose to my mortgage. The following is a summary about the history of the overcharges and financial crises that XXXX XXXX XXXX has inflicted with discrimination on my finances and ability to meet monthly obligations with mortgage payments and living expenses : On XXXX XXXX I received a called from Bayview Loan Servicing informing me that I had a shortage on my mortgage which would be increase from XXXX XXXX because of tax and insurance. I asked to send a statement that was sent and it shows charges for Tax-XX/XX/XXXX and Tax- XXXX XXXX XXXX for the same amount of {$1200.00} My Tax for XXXX was already paid by XXXX XXXX in my mortgage on XXXX/XXXX/XXXX. I called Bayview Loan and talk to several representative and supervisor that recognize the problem and promise to make correction. Each time I called they tell me to wait 60 days, then 30 days, then a Supervisor told me that she will call me back in 15 days knowing that in 15 days my account would be transfer to XXXX XXXX XXXX XXXX. I have continue to pay my mortgage for {$1000.00}. XXXX XXXX has been taking over my account since XXXX and know about the problem and said that they are looking into it since XXXX XXXX they told me to wait 60 days and still charging me late fees and my escrow account as increase, causing me difficulty in paying my mortgage. I have been calling to solve the problem and a representative said that do n't call back she will call me I have been waiting for over a month and I have n't heard from her but I am receiving calls from the collection department treating me of going into foreclosure. I feel that they are taking advantage and stressing me out for a they XXXX up.
12/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 75216
 Web Older American
On XX/XX/2016, I, with the help of an advocate from a non-profit organization, contacted Bayview Loan Servicing regarding an increase in my mortgage payment. We spoke to XXXX ( XXXX ) at Bayview, who advised that an escrow analysis had been completed and the shortage of {$560.00} had been divided over a 48 month period to keep my payment affordable at {$370.00}. I was concerned about an additional amount appearing on my statement of {$11.00}. The Bayview representative indicated that the fee was a remaining fee from when my modification was completed and that the {$11.00} did n't have to be repaid right away. XXXX indicated that the fee could be repaid at anytime in the future, that it was n't accruing any finance charges or additional fees. My advocate confirmed with the Bayview representative that as long as I paid {$370.00}, that I was paying my full monthly mortgage payment. XXXX confirmed this and indicated that anything over {$370.00} could be applied towards that {$11.00} outstanding fee as long as I indicated on the payment that any overpayment would be applied to the outstanding fee balance. On XX/XX/2016, I was concerned again about my monthly statement from Bayview. It appeared that nothing had changed with my payment and that another fee was assessed. My non-profit advocate assisted me with a call to Bayview again. We spoke to XXXX. He advised that my monthly payment amount is {$380.00} and that I was assessed a corporate advance fee of {$11.00} because the payment of {$370.00} that I sent to Bayview was not a full payment so instead of causing my loan to fall behind, Bayview advanced the shortage to make the full payment. Although I 'm thankful that my account was paid in full for XXXX and XXXX, I feel that I and my advocate were mislead when we contacted Bayview on XX/XX/2016. I 'm on a fixed income. I had to apply for a mortgage modification to get my loan back on track and avoid losing my home. I have no intentions of falling behind again and never want to be at risk of foreclosure again. I need for the mortgage company representatives to be forthcoming and accurate whenever I call to request information. If my advocate, whom I trust to ask the mortgage company the correct questions, felt mislead by the call to Bayview on XXXX XXXX, 2016, then I feel they could be misleading other consumers.
01/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NM
  • 875XX
 Web
I received a letter from Bayview Loan Servicing ( " Bayview '' ) dated XXXX XXXX, XXXX, claiming I had contacted them stating in part : " We have received your inquiry regarding the above referenced mortgage loan. Please be assured that your inquiry will be reviewed promptly as it is our goal to provide excellent customer service ... We will provide a complete response on or before the Proposed Resolution Date indicated above. If your inquiry requires additional time to complete then we will notify you by mail. '' See attached XXXX XXXX, XXXX letter from Bayview ( BLS Case NO : XXXX ) Although that XXXX XXXX, XXXX letter had a Proposed Resolution date of XXXX/XXXX/XXXX I have heard nothing further from Bayview. On XXXX XXXX, XXXX, I contacted Bayview via fax and XXXX Mail and notified them that I had not contacted them as stated in its XXXX XXXX, XXXX letter. See attached XXXX XXXX, XXXX Letter from XXXX XXXX to Bayview. In that XXXX XXXX, XXXX letter I also requested the following information from Bayview stating : " Kindly provide the following : i. ) Can you tell me if this property and loan is in foreclosure ; ii. ) If this loan is in foreclosure, kindly provide if and when Bayview initiated any such foreclosure action ; and iii. ) Pending your answer to the foregoing, please provide any relevant date ( s ) if Bayview has delayed any such foreclosure action or proceeding at any time for any reason. Please note this request is within the scope of error resolution : XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX, and XXXX. Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX kindly provide your response within the period provided by the statute. '' I understand Bayview had 15 days to provide documentation illustrating that no error has occurred. XXXX XXXX Section XXXX XXXX XXXX ) ( XXXX ). It is beyond the 15 day period and Bayview has neither provided any explanation or documentation as to why it believed I contacted it as illustrated in its XXXX XXXX, XXXX letter, nor has it provided the straight forward information I have requested from it regarding any potential foreclosure proceeding. I received another letter from Bayview claiming a response date of XXXX XXXX, XXXX however this letter contained a different BLS Case No : XXXX indicating it was not related to the first letter Bayview sent on XXXX XXXX, XXXX.
02/23/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CT
  • 069XX
 Web
I submitted a Qualified Written Request to my " loan servicer '' ( Bayview Loan ), it was signed for on XXXX XXXX, XXXX and I have NOT even received a written " acknowledgement '' of receipt and I am nearing the 30 day limitations under which they have to provide the requested information. It was clearly directed to the person stated in the letter they sent to me, who seems not to exist. I understand there is now a {$2000.00} penalty for default upon this action and that 's not even to mention the fact my loan was predatory from inception, I was extorted more than {$44000.00} by the previous servicer ( XXXX in XXXX of XXXX when they ceased to exist as of XXXX XXXX, XXXX ) and was not even the actual servicer. The XXXX documents that accompanied the Notice of Foreclosure were filed on the exact same day, forged 8 months AFTER the loan was sent to yet another servicer ( XXXX ). Upon serving a QWR upon XXXX on XXXX XXXX, XXXX they immediately drafted yet another XXXX document- the author of which is currently serving time in CA for white collar crime and was completely Robo-signed on XXXX XXXX, XXXX. XXXX subsequently withdrew the foreclosure ( through XXXX, XXXX, XXXX ) and I was later transferred to a company called Bayview, which I had never hear from or of, yet they now sent statements. What should I do? My thoughts are to file a Quiet Title and recoup the damages for erroneous billing ( I was paying the wrong mortgage company for 10 months before I was notified via a " post it note '' on my monthly auto-check, that I was sold to XXXX, it was never late, nor properly accounted for hence my paying in excess of {$44000.00} via the " Foreclosure Mill '' XXXX, XXXX XXXX XXXX in CT - payable to a " deceased entity ( XXXX ). I have been completely defrauded, been subjected to severe distress, financial burden, lies, forged documents and essentially been a rag-doll for the XXXX largest foreclosure mills ( both of which have been under investigation by the CT AG ). My credit has been destroyed by this aside from having broken my back in XXXX of XXXX. I have done everything I feel I can at this point. Can and how do I file a claim for failure to respond to my QWR by Bayview and take further action. I am now on XXXX and am of limited means. I love my family home of 40 years, but these banksters must be stopped!!!!!!
06/29/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • AR
  • 72758
 Web
Current loan servicing company will not honor my previous MHAMP agreement due to payments not being received in the required time frame by MHAMP guidelines. Payment were not able to be paid by required time frame because loan had been transferred XXXX times since XX/XX/XXXX, thus causing issues in making payments to the current servicing company by required deadlines. Will provide documentation as to issue, dates, etc. when needed. Account was first being service by XXXX XXXX and was transferred to XXXX XXXX XXXX on XXXX. I received notification from Nation Star of transfer the end of XXXX 2014. I contacted the new servicing company and they did not have my loan details yet. On XXXX I spoke with a supervisor is their department regarding the letter I received which showed all my loan information was incorrect. He advised me to wait another week and check back again. During the interim, he sent request to delete late charges as I was within my first XXXX days of transfer to a new servicing company. He also stated that I could pay my account on line when I get paid on XX/XX/XXXX. After confirming deposit for self employed funds were received and posted to my bank account I logged into their system to make a payment. I am attaching the email I received as proof that I logged in to create my account and make payment. However, my account was still incorrect and showing that I was XXXX delinquent and their system would not allow for me to make a XXXX month payment as previously directed. I contacted XXXX XXXX XXXX XXXX directly on XX/XX/XXXX and explained this issue. I made payment by telephone which cleared my bank account on XX/XX/XXXX. This issue caused me to become over XXXX days delinquent on making payments and thus made me ineligible for the deferred principle write off that was to be completed XX/XX/XXXX. I filed request with XXXX XXXX in regards to this issue and never received a resolution prior to my account being transferred yet again to another servicing company effective XX/XX/XXXX. The servicing company was Bayview Loan Servicing which is the current loan serving company. I again filed request and was denied. I filed an appeal and was since denied again due to not meeting the required payment guidelines. I am attaching proof of this final request with both of their denials stating this information.
02/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MN
  • 55428
 Web
-Monday XXXX XXXX - Pre-printed sheet of paper was taped to my door ; no name no signature, printed text said to " contact your mortgage servicer '' and a hand written toll free number. Spoke to Bayview, to asset manager XXXX XXXX. XXXX XXXX explained that after the one year of the forbearance term, the mortgage was behind {$11000.00} and that it had to be modified. XXXX XXXX explained that in a few days I would receive a packet of forms from XXXX, to contact them when I got these forms. -Tuesday XXXX XXXX - ( No forms have arrived yet ) Found a blank envelope taped to my door, inside found a pre-printed note saying " contact your mortgage servicer '' with a handwritten toll free number. -Wednesday XXXX XXXX - On XXXX XXXX, XXXX I received a letter from Bayview informing me my mortgage had been sold. According to the latest MERS record I received from Bayview in XXXX, the mortgage owner was XXXX Bank ; the new owner is " Mortgage Fund XXXX XXXX XXXX '' address is XXXX XXXX XXXX XXXX XXXX, MN XXXX, phone listed as XXXX. This address and phone number belong to XXXX Bank. I searched the web for " Mortgage XXXX XXXX XXXX XXXX '' and its variations : no results. Spoke to the XXXX State : no records Spoke to the XXXX : no records for " Mortgage Fund XXXX XXXX XXXX '' -Thursday XXXX XXXX - Visited the above address to find a corporate office building belonging to XXXX Bank XXXX Inside spoke to an information representative who searched their database using my driver 's license ; the representative ( XXXX ) found no records with my name. -Friday, XXXX XXXX, XXXX - Called the Foreclosure Dept. at XXXX ; this number was given to me by XXXX at the information desk in the hopes they might have more info. Spoke to XXXX who transferred me to " XXXX XXXX ''. XXXX explained they have no access to mortgage records of mortgages sold to other creditors, she suggested I talk to The Consumer Protection Bureau at XXXX. Spoke to XXXX at Consumer Financial Protection to whom I relayed my situation ; XXXX explained the complaint submission process and how long it would take. I have not attempted to contact Bayview Loan Servicing regarding this issue of creditor transfer because they will ONLY respond to a lawyer and I have already incurred {$2300.00} in legal fees trying to get information from Bayview in XXXX.
07/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • XXXXX
 Web Older American
The attached provides a general overview of the entire situation dating back to a wrongful default in XX/XX/XXXX, which I 've been fighting ever since. However this particular complaint specifically addresses an action taken by Bayview Loan Servicing , LLC ( BLS ) in XX/XX/XXXX. All details, dates and related documentation is included. The action referenced was a " secreted '' review for a loan modification pursued by BLS in direct contradiction to my direction ( provided to them on multiple occasions ). I briefly considered a loan modification in an effort to stop foreclosure action. However, because of an highly inflated balance resulting from the wrongful default, errors, payments not credited, etc. I 'd be trying to have reconciled since, I decided to try again to accomplish that before moving ahead with the modification. As such, I advised BLS accordingly ( XX/XX/XXXX ). I did not submit or sign an RMA application and did n't submit any required documentation. I was told during earlier discussions with a representative that to be able to discuss the options, I needed to sign a hardship affidavit and a BLS Information release, which I did. Neither authorized them to purse a loan modification. BLS has been building a case to withstand any opposition to foreclosure since servicing was transferred to them in XX/XX/XXXX. Details regarding its purposeful in action over five years is provided in the complaint. I have gone in circles since XX/XX/XXXX but did make limited progress until the transfer. All corrections and credits made prior to the transfer have been reversed without explanation and not a single identified error, questionable charge unapplied payment, etc. has been addressed. In fact BLS has not even acknowledged the problem despite 30 or so QWR 's and four CFPB complaints. In my case it 's resulted in inflated balance of somewhere around {$250000.00} over what I actually owe. With this action being so egregious, together with the thousands ( and growing ) of complaints against BLS with similar stories of BLS ' predatory servicing in your database ( and published lawsuits ), I 'd like to have the CFPB consider an investigation. They may not be as notorious as others you 've sanctioned, but they are equally destructive and devastating lives. I do hope you 'll consider this case seriously.
02/27/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 77339
 Web Servicemember
Continuation from original complaint : XXXX. Reviewing the initial package we sent in and comparing with the latest requests in letter ( dated XXXX/XXXX/XXXX attached ), we had already sent in all of the documents that were being re-requested. I called Bayview to discuss as well ask a few followup questions on the latest request. The calls were placed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX without any reply. We could n't wait anymore and had to send in the requested info as stated by XXXX/XXXX/XXXX to meet the deadline. After at least 10 attempts to contact XXXX XXXX in a 2 week period, I submitted my initial CFPB complaint. I also sent him 1 last email on XXXX/XXXX/XXXX asking him to please reply to my email with a time that I could call his office to speak to him as he is supposed to be our 'single point of contact ' to which we have NEVER spoken to or been contacted by. This past Friday ( XXXX/XXXX/XXXX ) we received a series of confusing letters ( postal mail ) from Bayview that does n't quite make sense. They are attached. In a nutshell, there are 3 letters are dated on XXXX/XXXX/XXXX ... .oddly the date my complaint was filed that JUST ARRIVED Friday. Which tells me they were backdated. The other was dated XXXX/XXXX/XXXX. The XXXX letters state that the review of our loan modification was completed and it was determined that we were ineligible ... due to the fact that we did not provide the requested documentation by the deadline ( see letter & deadline of XXXX ). I can tell you 2 things : the woman I spoke with at Bayview the day I called ( XXXX ) informed me they DID received our information on XXXX. However, the information has yet to be reviewed and XXXX XXXX was in a meeting. The letter on XXXX/XXXX/XXXX states Bayview received our inquiry on XXXX XXXX, XXXX and a resolution date of XXXX/XXXX/XXXX has been proposed. Yet, I did not send an inquiry that date so they must mean the complaint that I filed. Had I been able to speak with our point of contact at all during this XXXX or any other time during this process, perhaps we could have submitted our information before instead of on the due date. I called 2 times on Friday ( XXXX/XXXX/XXXX ) after arriving home to these letters and can not get a single person on the phone. Nor, nor replies to my MANY emails.
10/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • XXXXX
 Web
I BEING VICTIM OF A RACISM ACTION BY MAKING A MISTAKE IN ORDER TO PRESENT DENIAL ASSUMPTION History Starts few Years ago when Assumption Application was sent several times and being Ignored, not even a letter return Bayviewloan for us Until I contacted CFPB thats when Bayviewloan contacted me with false excuse saying they never received any document. NOW, here With the Assumption that was Denied after years of being Ignored until I bug everyone from Bayviewloan, CFPB, ( Consumer Financial Protection Bureau ). Now all documents sent every time Bayviewloan Servicing asked for something different, we provided anything they asked for and obviously every time a document was sent, we received answer after weeks, I think to make it longer or make us to desperate and stop dealing with us XXXX with bad XXXX, The final decision for Denied the Assumption Bayviewloan Servicing said is because is being the loan is currently past due greater than 30 days??? IT IS FALSE AND MADE MISTAKE ON PURPOSE TO DO THAT AGAINST XXXX CUSTOMERS. I Paid Balance that was behind on : XX/XX/XXXX Bayviewloan Representative gave me Confirmation # XXXX Denial Letter Received XX/XX/XXXX XXXX XXXX @ XXXX when I tried o make the regular payment, I was told by XXXX, Employee XXXX that previous payment I made on XX/XX/XXXX, wasnt received and took by the representative properly, than he gave me the right amount and MADE NOTES ABOUT BANK REP MISTAKE, HE then took the payment missing by mistake and gave me the confirmation # XXXX I hope you can fix that mistake or the problem that Caused to me in case that this is not just a purpose mistake and I being victim of racism. Since than I being Ignore as well. *I being e-mailing since than 2 times per week. *Sent letters to all the Bayviewloan Servicing addresses I found. I being Ignored Since they knew their mistake of REFUSING MY PAYMENT AND getting other different amount then what I wanted to pay = balance. being sending e-mails as well to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX answer. On XX/XX/XXXX @ XXXX I was able to Speak with : XXXX, Employee XXXX HE made notes about the mistake made previously when Other EMployee Representative from BAyviewloan SErvicing Didn't get my Payment correctly, XXXX then gave me a different REference number and corrected the mistake as well.
03/21/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IA
  • 527XX
 Web Servicemember
This is the third complaint we have filed. This one is in response to complaint : XXXX as I was not able to respond via the online tool I am presenting a new complaint. In XX/XX/XXXX Community Loan Servicing responded to complaint XXXX but did not have the most accurate information regarding our loan modification and subsequent subordination of title to finalize the loan modification that should have been completed in XXXX of XXXX. 1. The Broker Price Opinion provided in their response was NOT an appraisal. ( See attached document that was sent in Community Loan Servicing response ) ( 126 pages of excuses that are not accurate ) This document was sent to us ( XXXX XXXX XXXX XXXX ) by Bayview Loan Servicing and we sent it to XXXX. 2. XXXX ( XXXX XXXX ) responded that the Broker Price Opinion was not sufficient and XXXX sent an email to Bayview with the correct documents required. ( See Attached email ) 3. I have reached out to the individual who did the appraisal that was/is required to finalize the subordination of title ( XXXX XXXX - XXXX XXXX ) and requested a copy of the appraisal he did in order to expedite the subordination process to finalize the modification of loan. XXXX 's response was that he CAN NOT send the appraisal to us as it was ordered via XXXX by Bayview, Bayview, now Community Loan Servicing has to send the appraisal they got from the XXXX to XXXX along with the other documents that were requested in the email from XXXX XXXX ) We are asking that Community Loan Servicing finish the original loan modification and have the title subordination completed in order to complete the loan modification. We are asking that Community Loan Servicing finish the original loan modification and have the title subordination completed in order to complete the loan modification. Basically do the job they are getting paid for. It has been over 2 years since this began for us and to this date Community Loan Servicing has not held up their end of the process, giving excuses after excuses and not returning phone calls. We spoke with XXXX, a customer service representative on XX/XX/XXXX who sent an email to XXXX XXXX and his supervisor XXXX XXXX - we were told we would receive a call regarding the loan modification and to this date have not heard from Community Loan Servicing via phone.
05/26/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 070XX
 Web
I applied for a short sale of my home and was notified that I was placed into review for homesaving options. I assumed that this was a requirement of the Investor of my loan, however I have now been advised that it is not. On XXXX XXXX I was advised that my file had been denied for loan modification options - though I did not apply for a loan mod, then was advised my file would be placed into short sale review as I originally requested. On XXXX XXXX I submitted the required short sale documents and was then advised that a property valuation would be ordered. My listing agent and his negotiator have been notified that a valuation needs to be completed and an appointment has been set, however the sale date is still active for X/XX/17 . My single point of contact states that the sale date is not showing, however the foreclosure attorney states that there was no hold placed on my file by their client. How is this possible? Why would an active sale date be set for a property in review for short sale? Why was my home reviewed for a modification instead of the short sale I requested? I am attaching my original application I submitted and the short sale acceptance letter I received from Bayview Servicing. According to CFPB guidelines : Restricted Dual Tracking : Under the CFPB 's new rules, dual tracking - when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers must not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. This will give borrowers reasonable time to submit modification applications ; Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Why would this continue if I was actively being reviewed for a loss mit option? Why was I told that my loss mit review wo uld continue after being denied for a loan modification I knew I was not going to be approved for in the first place? Why was I not placed into short sale review as requested per my Loss Mitigation application? I would like to be allowed to be reviewed for Short Sale as originally requested on XXXX via my completed loss mitigation application.
07/22/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 60611
 Web Older American
My FHA Mortgage forbearance expired XX/XX/2021. I contacted my mortgage servicing company Community Loan Servicing LLC to find out next steps i.e. what option is best for me going forward. They told me that because I had arrears prior to the mortgage forbearance that I did not qualify for the various FHA Mortgage Covid-19 options which would best help me. The only options they presented were ; 1. Pay the lump sum of all mortgage arrears this includes the portion currently being paid in bankruptcy 2. A hardship modification which they have denied in the past. My financial circumstances are worse now due to my lay-off during the pandemic. Their past denial of a mortgage modification is why I went into bankruptcy to prevent a foreclosure. Now Community Loan Serving is also saying that they will likely deny any new hardship modification again and start foreclosure procedures again. During the mortgage forbearance period payments were made by the Bankruptcy Trustee to the mortgage loan. As a result of these payment by the trustee the actual arrears portion of my mortgage loan has gone down. I dont know how this effects the current actions of Community Loan Servicing. They have refused to accept a normal mortgage payments from me at this time. Based on my conversation with Community Loan Servicing they said my only options are the 2 noted above. This is not what I was told when I requested the mortgage forbearance. The mortgage forbearance has made my situation worse instead of better because I was given inaccurate and incomplete information by Community Loan Servicing. They are using the mortgage forbearance to force people into foreclosure instead to helping home owners stay in their homes. At no time when I requested a COVID-19 forbearance was I told that Community Loan Servicing could refuse to do any of the options offered by the FHA. In reviewing the Community Loan Servicing LLC website they never mentioned that persons who currently have arrears can not take advantage of various FHA assistance options due to Covid-19. Below are 2 FHA websites and at no point does the FHA on its website mention that persons already in arrears can not take advantage of other FHA payment options at the end of the mortgage forbearance period. https : XXXX https : XXXX
06/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 34759
 Web Older American
XX/XX/2019 Had to contact a Advocate Ms.XXXX XXXX to receive information on the progress of Modification. I needed her to tell me now to get access into a site sent by Bayview Loan Servicing , LLC to view the status as well as any outstanding items and to be able to upload Doc.which maybe still needed. Please refer to memo included dated XX/XX/2019 from office of XXXX XXXX. Ms. XXXX stated the only update she sees at present is XX/XX/XXXX denial.I had not and have not yet received anything from Ms. XXXX office as of yet. # 2 upon asking Ms. XXXX to help me get into the suggested site, in order to review the status by tracking my account at www.Bayview Loan Servicing, LLC. Comthen go to tab ( which was no such site ) called '' My Worked Out Details '' to view status and outstanding items.There was only a My Workout Details was a Gymnastic center work out.obviously she was unable to find such a site either. Upon asking her why I was denied again and what papers were missing she stated none, it is the investor denying the modification which she stated is XXXX XXXX'.someone else suggested I send a dispute denial to Ms.XXXX asking her to forward my request to the investor on my behalf MY COMPLAINT IS WHY WASN'T I SENT A FORM TO DISPUTE OR APPEAL THIS DECISION, I received nothing on all decisions being made, XXXX Resentative Mr. XXXX XXXX has heard nothing also from these representatives verbally or posted to the uploads of my status.If not posted or contacted how would I know of progress or denial taking pla e and what would be the next steps to close Ms. XXXX did say she does not see a solution or a sale date upon my aski g where is this going I feel like this is extremely unfair and somewhat bias that I'm being discriminated against started with 2 payments behind which would have been addressed at that point except for the loan company refusing the payments no one at the loan is trying to work with me and my Representative Mr. XXXX to resolve the matter and stop trying to justify takeing my home and leave me homeless i maybe XXXX in years but im XXXX inmind I'm not senile or stupid and plan to be around a longtime still. Stop trying to steal my house and work with me and the XXXX Rep. MR. XXXX to obtain a Fair modification to benefit everybody. Thanks!
03/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 73533
 Web
In XX/XX/XXXX I applied for a home loan modification due to falling behind on mortgage because my wife had XXXX XXXX and lost her job. In XX/XX/XXXX I received a call from Bayview loan servicing to let me know I had been approved and the trial mod pmts would start on XX/XX/XXXX. I called a few days later to ask if i could go ahead and schedule ( 2 ) 1/2 pmts in XXXX to pay for XX/XX/XXXX pmt, i was told yes. I was then sent out the modification paperwork to sign and return, papers stated we would have 3 trial pmts and then it would be approved for first MOD pmt on XX/XX/XXXX. I made each of those trial pmts in the month before the due date. In XXXX i called to make a pmt and the system was telling me i was due for XXXX, there was not way that was correct as i had made the pmt for XXXX in XXXX ( this shows on Bayview 's pmt detail ) They stated at that time they would correct this they had misapplied a payment i had sent in. In XX/XX/XXXX there were 56 transactions made on my acct for them trying to fix their mistake and another 69 transactions in XX/XX/XXXX. As looking down through the pmt history i could see where the due date kept switching from XXXX to XXXX back to XXXX and never being updated to the current month that i was due for. I called several times to Bayview for them to fix the problem each time them stating they would escalate it and correct my credit report. Then after disputing them each time they would send a letter stating they could not retract the credit ratings due to being contractually late ( i was never late on a pmt once we entered the modification ) i have filed disputes with all 3 credit bureaus as well. i again called on XX/XX/XXXX to open another case each time i get a different reason why they can not fix the mistakes they made and update my credit report. we are trying to purchase another home and to get away from this horrible company that continues to do this to hundreds of customers. i have all the payment history from their website showing all the transactions and if you follow it you can plainly see where i made all pmts and a pmt in XXXX was reversed and never posted back. I need my credit report updated from this company and after 2 years of them not complying i will now be taking further actions on the company.
09/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
XX/XX/XXXX in your response dated XX/XX/XXXX Bayview XXXX CFPB XXXX XXXX Requests for information. XXXX ( e ) ( 1 ) ( i ) A, B Notice of Error 1024.35 ( e ) ( 1 ) ( ii ) Different or additional error XXXX XXXX you state your records reflect that on XX/XX/XXXX a disbursement of {$1000.00} was sent to Family Sec/State Farm for hazard insurance XXXX effective XX/XX/XXXX through XX/XX/XXXX copy of the invoice is enclosed for reference once again you send 25 documents WOW voluminous for such a simple question, i understand Bayview trains its employees to send lots of documents, irrelevant documents, wasteful documents, documents that have nothing to do with the questions asked, and i will keep asking until you answer my questions, send documents as required by law to support your statements tell me the outcome of your investigation with supporting documents make the adjustments necessary send me documentation that you made the adjustments as required by law, you, Bayview can say as it has, Mr XXXX asks so many question, Mr XXXX has sent over 20 letters to Bayview, we have already answered those questions, but i will continue to ask until you comply with the law, please look up Bayviews responsibility under Notice XXXXf Error, Bayviews responsibility under Request for Information, Bayviews responsibility under Qualified Written Request The statement you provided is FALSE. Of 25 pages NONE include any evidence of your claim in your response. 1-send a copy of the two letters required by law you sent me before you purchase any type of insurance, your a perfect example of why CFPB had to create these guideline. 2-please send the letter that you rec 'd from Family Sec/State Farm showing that the policy had expired was canceled or was unpaid on XX/XX/XXXX 3-send a copy of the policy you purchased send a copy of the canceled check showing you paid this policy 4-were you unaware the homeowner already paid for homeowners on XX/XX/XXXX? And no blah blah blah, our records indicate, blah blah blah, according to your mortgage agreement blah blah blah. Try to answer the questions i ask because i will continue to send letters until you answer my questions and provide documents, more documents, and documentation for all your blah blah blah.
02/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33404
 Web Older American, Servicemember
XX/XX/XXXX I stopped my ACH w/drawal for my mortgage payment to Bayview Loan Servicing ( my second mortgage company ) because I was offered by them a Forbearance Plan ( in writing on XX/XX/XXXX ) because my property was designated as being in a major disaster area due to Hurricane Irma. I did not apply for this, they gave it to me and stated that during this time I did not need to make any mortgage payments for three months. XX/XX/XXXX Letter certifying I sent them financial information they requested. XX/XX/XXXX Announcing that I am pre-approved to " complete a loan modification '' that will lower my monthly payments. I did not ask for this ; this was offered to me. XX/XX/XXXX Reference delinquent loan. I, at this time, had not been asked to make a payment. In fact, I was advised that my loan was in good standing. XX/XX/XXXX Acknowledging receipt of my complete Loss Mitigation Application. XX/XX/XXXX Announcing I am pre-approved to complete a unique loan modification. XX/XX/XXXX Signed Loan Modification Agreement Prior to Bayview contacting me about the National Disaster Program, my mortgage payment was being submitted timely each month. I did not ask for a modification or any change to my mortgage with Bayview. They offered it to me, and I accepted. I checked my credit report XX/XX/XXXX, and discovered that they had reported to the Credit Bureau that I was past due XX/XX/XXXX and subsequent payments. XX/XX/XXXX I contacted Bayview about this erroneous reporting to the Credit Report and received a letter stating in part that they were required to report factual data. The information they reported is not factual and is devastating to my credit score. This is very unfair for a business to be able to get away with such shoddy work. During the time I was dealing with Bayview for this modification, it was next to impossible to make contact with them. Maybe ten percent of the time the phone was actually answered by a human being. I mainly dealt with XXXX XXXX ( XXXX ) ; but would leave a time for him to return the call. I was a very good customer of Bayview. I paid my mortgage timely, eventhough I know I got a very bad deal from them in the beginning, but I honored my commitment, and they should do the same.
01/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 441XX
 Web Older American
My 16 year mortgage with XXXX XXXX XXXX XXXX and was sold in 2016 to a company called Bayview Loan Services LLC out of XXXX Florida. I always made my payment all these years. BAyview loan services increased my taxes and did not believe I had insurance and applied force placed insurance. Now this was an error that Bayview Loan refused to correct, I have 17 month proof,. You call, and they just do nothing. They refuse the regular payment and start foreclosure. This is total fraud. And a scam. I was a XXXX XXXX. They are in violation of ORC and government codes. I fought this foreclosure myself, because every attorney refused to help unless I had XXXX. So I did it myself, I am XXXX years old, have lived in my condo for 18 years and now I get to go to a shelter. This is such a terrible thing they are doing to many. I called the scam squad in my area, they would not help either. I have lost income due to the foreclosure, and I lost custody of my grandsons, I was raising due to my daughter death. So now I am kicked to the curb, like a dog. And I had a perfect record, till they changed my payment and refused the regular payment. Bottom line this is a collection agency buying old loans and then the scam begins. This company is in 5 states. Because there is no quality control, no one check balances, or to see if the mortgage should go into foreclosure. I worked for XXXX XXXX XXXX XXXX. for 15 years. I did XXXX and I can not save mine home, no one is checking to see their errors, and it looks like I am delinquent because of the increase of {$200.00} on my payment. My taxes did not go up, and my insurance is paid my the condo association. I was doing just fine till they bought my loan and increased my payment I am happy to meet anyone who can help or anyone who cares, to prove this. I get to even lose all my possessions because I have no where to put them, my whole life going in the trash. I am now going public and going to the media. They have to be stopped. Check out the complaints on line from customers, over 800. I also called the FBI. Nothing is happening. The decision on my house is this week, and if they win I plan to continue to fight. Such a shame this is happening in todays times. I do feel my age is a factor.
03/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92009
 Web Older American, Servicemember
Starting around the XX/XX/XXXX/XX/XX/XXXX time frame of XX/XX/XXXX I initiated conversation with my Loan Service Provider to start a Loan Modification process with them. After submitting hundreds of pages of documents that were asked for almost a year now, I still do not have an answer. Recently, because it has taken so long I started to inquire with individuals and companies as to the process and have found out horror stories as to the actions of some banks/loan servicer 's towards there customers. At this time I am terribly concerned that this company is going to come back with a denial and put me in a position to possibly loose my home. The amount of time that this process has taken to date is solely on the backs of Bayview as they time and time again asked me for documents that were already received not only by fax, but also certified mail. I literally have 100 's of pages of documents and can not possibly send them. To give you and example of this companies incompetence, I contacted them back in XX/XX/XXXX after they had asked me for a XXXX form for the 5th or 6th time a copy of all of the correspondence that they had from me. A short time later I received 3 large envelopes in the mail from Bayview containing 100 's of pages of correspondence, many of them BLANK! The stress level that this process has caused not only me but my entire family is incomprehensible. My current point of contact at Bayview has never once initiated a phone conversation with me or left a message for either me or my wife. I have had to initiate any communication unless it was an encripted e-mail or correspondence by mail even thought many times through this process I specifically asked for my point of contact to notify me if they did not receive the documents that I had sent only to be ignored and weeks later have them come back and say documents had not been received. I was notified in mid XX/XX/XXXXthat all documents had been received and I would be given an answer within 30 days only to receive an e-mail on the 30th day stating that an additional document is needed. Proof of that document was sent along with bank statements showing the monthly deposits althought those statements had been provided months before. HELP!
06/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Bayview Loan Servicing h as failed to provide Requests for Mortgage A ssistance ( RMA ), los s mitigation processes including, but not limited to modifications and has instead chosen to dual track our home. In this instan ce, Bayview and its employees, Asset Manager XXXX XXXX and Asset Manager XXXX XXXX knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how Bayview Loan Servicing an d its employees are to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. Instea d Bayview Loan Servicing and its employees have operated in this racketeering business enterprise for profit orchestrated through the Master Servicer XXXX XXXX XXXX . Bayview Loan Servicing and its emplo yees, Manager XXXX XXXX and XXXX XXXX have practiced and established and intended to circumvent the rules and law. Specifically, they have been executing foreclosures on behalf XXXX XXXX XXXX designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their neglect to follow the loss mitigation process and have their employees indicate to us to miss payments. Review of the timeline does not conform with federal and state law. In a scheme to foreclose on our h ome Bayview Loan Servicing e mployees intentionally told us to stop making trial modification payments after we made our third modification payme nt. Bayview Loan Servicing LLC failed to provide permanent modification documents that were not damaged and delivered late from XXXX XXXX to XXXX XXXX . Finally, after making trial modification payments f or nine mon ths, Between XXXX XXXX to XXXX XXXX and the month of XXXX we paid at least {$1900.00}. From XXXX XXXX to XXXX XXXX we did n't m ake trial modification payments only after being told multiple times by Bayview Loan Servicing LLC e mployees not to make payments we didnt make payments for the month of XXXX and XXXX XXXX . Bayview Loan Servicing then started foreclosure on our home. We did start making payments again in the month of XXXX XXXX .
07/13/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 20832
 Web
The service provider is Bayview loan services. They purchased my mortgage from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX they sent me a welcome letter and an invoice in the amounts of {$5700.00}. My monthly payment on my mortgage has always been {$1600.00} per month ( I have a fixed 30 years mortgage ). All of a sudden I was received this large bill for a combination of missed payment, escrow shortage, and a mortgage insurance.

I have never missed a payment with my prior mortgage servicer, I do n't pay insurance as it 's a condominium and I have a master insurance policy through the HOA. I have faxed evidence of coverage and receipt of monthly payment to prove to the new servicer that I have never missed a mortgage payment. Every time I call, I always talk to a different person, and I have to repeat everything all over to everyone I talk to .... Since XX/XX/XXXX, I have talked to them countless times ... no one could help me and justify how they come up with {$5700.00}. After so many phone calls and arguments ... .they finally told me that there is a shortage in my escrow and added about {$80.00} to my monthly payment making the monthly total {$1700.00}. However, I get non-stop phone calls .... They are now claiming that I have missed a XX/XX/XXXX mortgage payment.

I have told numerous people at Bayview that I have paid the XX/XX/XXXX payment to XXXX XXXX. I have even faxed evidence that I have made the XX/XX/XXXX payment ( four times ). Still I get a phone call a few times a week saying that I am late with my mortgage payment. This has been a very stressful situation because it seems that NO one is willing to help me. I have talk to different representative from Bayview, and they all tell me different story as why they keep calling me for a missed payment.

I have tried on my own, I have talked to different so called supervisors from their escalation department ... ..and to this day they keep harassing me with phone calls ( I have told them multiple times not to call me again, to stop harassing me, just today, I have received three phone calls from them ) ... I am working with a gentleman called XXXX at XXXX who has been trying to help me ... .but nothing has been done yet. Please help!!

05/17/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • XXXXX
 Web
Our mortgage was sold t o Bayview Loan Servicing from XXXX XXXX Florida around XXXX XXXX . Loan # XXXX . For the first 3 months they ( Bayview Loan Servicing Loan Servicing LLC ) h andled everything right. But in XXXX XXXX everything went down hill. This company issued us a Escrow check to us. Now we have never had a Escrow account. We believe that we need to pay our own Insurance and property taxes, this way we have control of all payments. We called Bayview and told them this is not our money and we do n't have an Escrow account. Bayview told us to send the check back and we did as told even Certified Return Receipted it. Bayview received it back and then put it toward payment on our Loan Account. Bayview then took it off, and then put it towards an Escrow then took it off again, then they put it towards Insurance again had to take it off as we showed proof of Insurance for the third time. We always pay with a money Order every month but Bayview s aid we did n't. Showed proof in XXXX XXXX , Then it happened again in XXXX and XXXX XXXX , Showed proof of payments. In the mean time Bayview reported to Credit Agencies of Non payment or Late payment or Delinquent. Then Bayview th reatened us with Foreclosure for no or late payments. I had called them every time that our billing statement was wrong or Credit Agency Report was wrong report. My last call to the Corporate Office and talked with XXXX from the ( Customer Advocate Team ) he said I was right on all aspects and the Corporate Office was the one in DEFAULT this was said to me on XXXX / XXXX / XXXX @ XXXX XXXX from the number XXXX . I asked him what they are going to do about our Credit Report and he said nothing and if I ever call to only talk to him as he is the only one working on our case. Then low and behold we get a statement from Bayview th at they sold our Loan to another Company called XXXX XXXX XXXX XXXX XXXX and not to send any more payments to Bayview. This is the 4th time our Mortgage has been sold. Seems like every time we catch them in Fraud or Threatening us for Breach of Written Contract they sell us off. We do n't get it. If your Agency can help others th at is great.
05/27/2015 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Indicated committed crime not paying
  • SC
  • 291XX
 Web
On XXXX XXXX, 2015 I received a call from XXXX XXXX ) Bayview XXXX XXXX XXXX ) stating that I owe on a payday loan and if I do not make restitution right then that I will have court papers served to me at my place of employment within XXXX minutes. At that time, I did not understand the practices that Bayview XXXX were illegal and against the Federal Trade Commission and made agreement to pay the loan. After further research, I found that their scare tactics and process of collecting the debt was known and the BBB has XXXX complaints against them for the same exact reason. I called back and spoke to a XXXX XXXX and told them that I declined the agreement and stated to provide me with the case file number that was filed with the court systems. I was then told by XXXX XXXX that there was no a case number because no case has been filed. I asked then why then was I told that I would be served court papers at my office on if there was no case filed. XXXX XXXX stated that I was never told that and hung up on me. I then received a call on XXXX/XXXX/15 from a XXXX with ( XXXX Bayview XXXX ( XXXX ) to verify my home address to serve me papers. I asked XXXX what kind of business this is because they are breaking the Federal Trade Commission law regarding debt collection. She stated that they are not a debt collection agency so they do not have to follow any laws pertaining to that. When I told XXXX is was taping this conversation, she then hung up on me. I called back and spoke to another person who then threatened to call my Human Resources officer and let them listen to the recording of the call and told me he was going to contact the local law enforcement agency and have a police office waiting at my house to arrest me. I have this entire conversation recorded on my phone. ( XXXX ) Bayview XXXX refuses to provide any information as to what their business specifically does and provide an address for me to send a written cease and desist letter to stop the harassing phone calls to my cell phone and work place for me to communicate with them through written letters. I understand I owe on the loan but I refuse to be intimidated by scare tactics and illegal practices that this company does to get money.
09/17/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34986
 Web
I have been with Bayview Loan Servicing Company since XXXX 2013. I currently pay my homeowner premium and taxes in my monthly mortgage payment. On my most recent mortgage statement, I was charged a fee of {$75.00} for " rec corp advance ''. When I called the customer service dept, I was told that this was a corporate advance fee due to insurance verification. They had no other details regarding this fee. I called the insurance dept at Bayview, who had no history of any kind of bill that was paid on my behalf to the insurance company for this. I also talked to my homeowners company who stated they did not request, or complete, an insurance verification and did not bill my mortgage company. I called back the customer dept at Bayview who again said this was a corporate advance fee and advised me to fax or email Bayview requesting a breakdown of these fees, which is absurd. Why should I have to email or fax a request to find out why they are charging me a fee? I would expect the customer service rep, and especially a supervisor, to know this information. I asked the rep for a copy of the bill, which she could not provide. The rep spoke to her supervisor who also could not provide me any information on this fee. Again I have been with Bayview for 3 years and I have never had a charge like this and I have never had any inspection from my homeowners company. This fee does not seem to be legit due to the fact that no one has any answers for me and could not provide me with any kind of proof. I am very upset and do not know how a company can just place a fee on my statement and expect me to pay it when they do not have any proof that any kind of verification was done or any bill showing they paid it. This company has been a headache and they are always very unprofessional when calling in to speak to customer service. They are also charging me a {$20.00} fee for a payment that was late due to the fact that the bank account information was entered wrong. I requested to have this fee removed since we have never been late and this was an honest mistake ; however, this was denied. How can a company not even give a courtesy fee removal one time for a customer who is in good standing with their account?
10/24/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • NJ
  • 08844
 Web
I bought my house in XXXX 2005. I bought it for {$520000.00}. I only had a little over {$50000.00} for a down payment, so I had to get XXXX mortgages. The XXXX was an interest only loan. The terms as they were explained to me at the time were that I would have to pay interest only for 10 years. After the 10 year period was concluded, I was told that I would be paying interest and principal. I was never told that the principal payment would be in addition to what I was already paying. My mortgage was sold 3 months prior to the 10 year period conclusion. A couple of months before the 10 year period, I was advised by the new mortgage holder that my payments would be changing and that I would be paying interest as well as principal. The wording of the notice made me worry that the payment amount would change, so I called the company, and a customer service representative explained to me that I would not be paying more, but that now part of my payment would be going to paying off the principal. While I waited, he roughly figured an approximate amount that would go towards paying down the principal. I was relieved and waited until the first payment where this would take effect. When that day came, I received a bill that raised my monthly payment by nearly {$1000.00}. I sent the company an e-mail, which took XXXX weeks to be replied to, in the form of a letter. They stated that all was in order per my original loan 's terms and even sent me a copy of a document signed by me 10 years earlier, which actually stated that my mortgage would " not '' go up after the 10 year period, but would in fact, slightly decline ( from {$2000.00} down to {$1900.00} ). I have attached the first page of that document, which clearly says this. Subsequently, I read up on Interest Only Loans and found that they typically call for an increase in the payment after the interest only period is over, but this was never explained to me, and the document I signed certainly did not say this. One other point, I was also never told that my loan was an ARM. I found this out a few years later when the original company, ( XXXX XXXX XXXX ) finally obtained a website and I saw on their site, what kind of loan I had. Can you help me?
07/24/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27406
 Web
In XX/XX/XXXX, XXXX sold our Mortgage to Bayview Loan servicing. We had never heard of Bayview until then. However, they are reporting on my credit file that I have had a loan with them since XX/XX/XXXX. They are also reporting that I have missed 4 payments, and I have made 2 on their Fresh Start Program. I was contacted by a Bayview Representative, XXXX XXXX in XX/XX/XXXX, and asked if we would like a loan modification and I applied for it, and was told about the Fresh Start Program. I was told to get a Prepaid debit Card, and to put {$890.00} on it so that Bayview could withdraw it for the house payment for 3 months, and they would forgive the payments that were behind while they were assuming the loan. Our first payment was to have been in XX/XX/XXXX, but we received no paperwork to sign to accept the new program. So on XX/XX/XXXX, I telephoned Bayview, and a payment in the amount of {$890.00} was given to them by phone. Again, XXXX XXXX told me she was setting us up on the Fresh Start Program, and a payment of {$890.00} would be coming off the card on XX/XX/XXXX. I placed {$900.00} on the card for the payment, and Bayview NEVER took it off. ( See Transaction list for Prepaid card, attached ). I called back to Bayview, and XXXX was not available to take my call, so the lady who answered the phone, stated to me the next date for a payment was XX/XX/XXXX, NOT XX/XX/XXXX. This was an error on XXXX XXXX 's part, not mine. The Fresh Start Program was suppose to start with the first payment on XXXX XXXX, and the previous payments for XXXX, XXXX, and XXXX were to be forgiven and added to the maturity of the loan. Before Bayview, as I stated, this loan was with XXXX. We borrowed {$85000.00} in XX/XX/XXXX, and when the mortgage was bought by Bayview, we now owe {$90000.00}. Our interest rate has changed 2 times. Our entire payment has been going to the interest for 8 years. I received a XXXX package from Bayview, and it was my address, but NOT my name, nor the information on my account. It was someone else 's account, and they wanted me to sign it and send it back. This account has been sold at least 4 times, in the past 6 months, and I have NEVER signed ANY paper for any company except XXXX.
02/04/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CO
  • 809XX
 Web
Community Loan Servicing , LLC - previously Bayview Loan Servicing - has been suppressing our mortgage payments from the credit bureaus since they bought the loan in XX/XX/XXXX. We believe this is a violation of our credit rights. Over the years I've called several times and requested that they report our payments. They always refused. On XX/XX/XXXX a woman at Bayview named XXXX advised me to file a dispute with the credit bureaus and Bayview. Those actions got no response. On XX/XX/XXXX someone at CLS named XXXX read what he said was their response letter and said it is in the mail. We haven't received said letter. That letter states that they won't supply our payment history to the credit bureaus unless we reaffirm our loan. We aren't able to do that because it's now well past the 90 day period for doing so. There is no law that says we have to reaffirm, and some state courts won't even let people do it because of the burden it puts on homeowners. It's not required by the Fair Credit Reporting Act, and we're told that we shouldn't put ourselves and our home at risk by reaffirming. I mailed and emailed Qualified Written Requests to CLS on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only response was an Acknowledgement Letter dated XX/XX/XXXX which stated that they had received my request and will " provide a complete response on or before the Proposed Resolution Date '' of XX/XX/XXXX. As of this date we have received no such response. I mailed another letter dated XX/XX/XXXX to both the corporate office and their consumer relations office in XXXX XXXX, FL. I am awaiting a reply. While we've never had even one late or missed payment with CLS or Bayview, this situation has adversely affected our credit worthiness for all this time and impeded our ability to obtain credit. It's also keeping our credit scores deceptively low - possibly up to 200 points below what they should be. It's been particularly obstructive in that we can not refinance our home loan to take advantage of the low mortgage rates that have been available to consumers these past years. That in itself has cost us thousands of dollars. This is no way to treat homeowners who have an excellent payment history.
05/17/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89011
 Web
My mortgage was purchased from Bayview Loan servicing in XX/XX/XXXX while I was in a chapter XXXX BK. I completed the bankruptcy XX/XX/XXXX . I have repeatedly tried to discuss my account with them in reference to them reporting to all credit bureau that my account was past due ( even though it was not and if it was they can not report while a person is in bankruptcy ) they were reporting the mortgage as closed and I was not receiving a monthly invoice. I also made multiple payment that they were putting in a suspense account instead of applying it to my mortgage and my escrow account that I was short. On numerous occasions I was advised they could not discuss my account because of they Bankruptcy status. I was asked to fax over proof the BK was discharged which I did but they said they never received. I called my attorney who sent over proof and then they stated they needed proof from the courts. After becoming irate and someone finally listening to me they sent my account to the escalation department last month ( XX/XX/XXXX ) where I gave all my concerns to XXXX . She informed me that she will research and get back to me. She did call me back and advise that the credit bureau has been corrected my account is in a current status. and I will start to receive monthly invoices. I just received my 1st i nvoice XX/XX/XXXX and to my surprise it shows I am past due {$1200.00}. I then called to get an explanation and was continually transferred to a generic voicemail for a XXXX . But I hung up and call back 3 times and finally a XXXX answered I explained my concerns he advised I am current but when I question why did I receive a invoice showing the {$1200.00} past due he advised me that while I was in bankruptcy I was late or fee was accrued. I explain before my BK was discharged the cou rts sent a letter stating if any fee or past due payments is due they need to respond because my BK was about to be discharged.He then became combative and said I need to fax in my dispute. I advised no I need to speak to XXXX in escalations because she assisted me last month. He then lied to me and said they do not talk to customers and I need to fax in my request.
07/13/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 07042
 Web
In XXXX XXXX, I entered a Stipulation Agreement with Bayview, the Trial Plan, as a condition for my Loan Modification. The stipulation required 6 monthly payments from XXXX XXXX to XXXX XXXX. They assigned my account to XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX called me to say that I had missed a payment and he needed copies all my bank statements and returned checks for my payments for XXXX, XXXX and XXXX. I sent the information to him and after reviewing it, he said that maybe it was an error by Bayview but that he will look into it. I asked that he sends me in writing confirmation that the issue was resolved. He never even sent me a letter that I had missed a payment, he only called me to ask for my bank statements. I left 2 voicemails and sent 3 emails to XXXX XXXX in XXXX and XXXX, he did not respond to any of my voice messages or emails. Bayview continued to send me monthly bills, and I continued to make my payments, sending them via certified mail, for XXXX, XXXX and XXXX. At the end of this Trial Plan in XXXX XXXX, I expected to execute the Modification Adjustment Agreement with Bayview. Instead, XXXX XXXX sent me a Trial Plan Default letter on XXXX XXXX, XXXX stating that Bayview will not offer me the modification because I did not make all of the required trial period plan payments. I responded to this letter on XXXX XXXX, XXXX via Certified mail to XXXX XXXX and the Customer Escalation at Bayview. In my response, I again sent copies of all my Trial Period payments, I sent copies of my unreturned emails and let them know that I have not heard from Bayview and have been trying to contact them since XXXX call in XXXX. As of today, XXXX XXXX, XXXX, Bayview has not told me what payment exactly I missed. They have not responded to any of my calls, emails, letters to inquire about this missing payment. XXXX XXXX sent me another letter on XXXX XXXX, XXXX with a RMA ( Request for Mortgage Assistance ) application package, to start the process all over again? XXXX XXXX has not returned any of my calls. I still do not know what payment Bayview is missing. I received a bill for XXXX and sent a payment for XXXX via certified mail to Bayview on XXXX XXXX, XXXX.
11/25/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32822
 Web
Although I am being sued by XXXX XXXX XXXX XXXX XXXX XXXX, the true entity behind the foreclosure complaint is servicer Bayview Loan Servicing. The foreclosure complaint claims that there is a default under the terms of the loan modification. For educational purposes, why does a lender or plaintiff plead a breach of contract under the terms a loan modification and not on the original terms? Because a loan modification agreement is an extension to the contract and therefore lender must plead that a default occur under the new terms of the loan modification. For clarity see Florida case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bayview loans & XXXX XXXX XXXX plead that a default occur under the terms of the loan modification. See attached complaint for your review. After carefully reviewing the allege loan modification we noticed that the agreement does not comply with Florida statutes of fraud and therefore is invalid without any legal enforcement in any Florida Court room. Under Florida statute 494.00296 ( 2 ) ( a ), A written loan modification agreement must be signed by both parties. Under Florida statutes of fraud, any modification to a contract is UNENFORCEABLE UNLESS memorialized in a written document signed by the parties or their representative. The allege agreement is void and without any legal effect as it was not signed by XXXX. See attached loan modification agreement page 4 of 5, it states the following in the upper part of the page " As evidence by their signatures below, the borrower and the lender agrees to the foregoing., it was never executed by XXXX. At this juncture fraudulent Bayview loan servicing from XXXX XXXX FL, can not make the claim that they forgot the signature page as they would be engaging in fraud. A lender must have standing at the inception of the foreclosure and does not acquire standing during the duration of the foreclosure action. The frivolous complaint must be dismissed as a matter of Florid law. You pleaded to a loan modification extension that never existed as XXXX never sign and therefore the agreement is a NON contract without any validity in A FLORIDA COURT ROOM you know better than that Bayvew Loans.
08/04/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • LA
  • 70769
 Web
I have been attempting to get a loan modification ( either in-house or through the XXXX ) on my mortgage loan since XXXX. My loan was originated with XXXX back in XXXX. Of course, XXXX took over the loan and began to service it. I requested a loan mod with XXXX in XXXX after I lost my job. They told me that I would not qualify for a loan mod because I would not meet the income requirements due to the fact that I was out of work. They suggested and I agreed to allow they to place me in a loan forebearance program. They stated that I could apply for the XXXX loan mod once I was back to work. I went back to work in XXXX after being out of work for 10 months. So I contacted XXXX to request a loan mod. They sent the paperwork to fill out. I completed the paperwork and sent it back. They would repeatedly send me change Asset Managers on me where I would restart the process. They finally sent me a letter stating that I did not qualify for the XXXX because my investor was not participating in XXXX. I requested that they send me documentation for my investor. They sent a letter stating that XXXX was my investor. I contacted XXXX about my loan and they stated that they were not the investor on the loan but the trustee for the security that my loan was in. When I asked who owned the security, they verbally stated that XXXX owned the security. In XXXX XXXX, while in the process of sending in another set of documents stating that they would be transferring my loan over to Bayview Loan Servicing , LLC . So in XXXX XXXX, I contacted Bayview to request a loan mod. They sent the paperwork. I completed it and sent it back. They are telling me that my investor has not given them authorization to modify the loan ( in-house or through HAMP ). They stated that I would be able to do a short sale, deed in lieu of foreclosure, or bring the loan current. I am not in a position to bring the loan current. I know that XXXX ( if they are indeed my investor ) is participating in XXXX. I am really frustrated with this unethical behavior of XXXX and Bayview. I believe that they are lying about what options are truly available to me. I need help to stay in my house.
09/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98198
 Web Servicemember
On XX/XX/XXXX, My husband and I filled out Loan Modification paperwork with Bayview Loan Servicing. Since then every month I have been asked to provide additional information. While some things made sense others such as explaining my pay stub seemed more like a delaying tactic. Since then I have been asked to resubmit the application several times, the most recent ones were XXXX of XXXX and then again on XX/XX/XXXX. They have also requested numerous appraisals and valuations at my expense. I have been assigned no less then 4 Asset Managers, some rotating before I even had a chance to make contact. Since I live on the west coast and the Asset Managers are in Florida, communication is very difficult. They can not call me before I start work and are gone by the time I get off. I have tried calling on my lunch break but the Asset Managers are never available. In addition, when the do call they are not able to leave detailed messages, just that they called and call them back. However, when you try you are put into a voice mail and your call is rarely returned. They also are not able to reply with details to email requests. It used to be that I could call customer service to schedule a phone appointment and they would sometimes call as scheduled. They now have an automated system and my most recent Asset Manager and his Supervisor do not have any appointments available every time I have tried. I have spent an hour on the phone each day for 6 business days trying to get in touch with someone who can give me information. I finally scheduled a phone appointment on XXXX to review the documents I sent on XXXX. He verified he had all the documents and schedule a follow up appointment XX/XX/XXXX which he missed. He called me XX/XX/XXXX and asked for information that was provided on XXXX. Once again I am told he will get back to me in 3-5 business days. He is stalling and using up valuable time. I have now been served with a Notice of Default and I do not have the time to keep playing this game. I want to keep my house but feel like Bayview Loan Servicing is not only not helping me do this but are actively putting up road blocks.
10/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 60467
 Web Older American
This is the second time we have had to file a complaint ( complaint number XXXX ). My brother is the homeowner but I have been communicating with the mortgage company since the beginning on behalf of my brother. I am authorized to communicate with them. My brother lost his job at the beginning of the year. The mortgage was transferred from XXXX to Bayview Loan Servicing as of XX/XX/2018. He filed for a loan modification in XX/XX/XXXX. After XX/XX/XXXX when they kept asking for copies of his paystubs I reminded them numerous times that he was no longer employed and could no longer afford to keep the home. He wanted to do a deed in lieu as he no longer wanted to keep the property, I was told by Bayview that they do deed in lieus very rarely and they wouldn't recommend it. I told them that he had to vacate the home as he could no longer afford the condo assessments, utilities, etc. They kept insisting that there was someone still living in the home even though I told them that their appraiser took photos of the wrong unit and that my brother 's unit was clearly marked with his name and unit. They finally admitted they had the wrong unit after we filed the first complaint. The second time I told them he wanted to do a deed in lieu I was told he couldn't do it until the loan modification was denied. They sent the denial to his vacant home dated XX/XX/XXXX ( over 6 months from the time he filed it ). They stalled for over 6 months. They knew he was living with me and had no idea they sent a XXXX package with the denial until much later. He was served with a complaint for foreclosure at my residence on XX/XX/XXXX. The complaint indicates you should call your mortgage company or the attorney for help. I called Bayview, left a message and got no return call. I called them again, got someone who didn't have a clue what she was talking about so I asked to speak to a supervisor. I was told he was in a meeting and would return my call. Never did. I called their attorney 's office and was told to call the mortgage company. I will be filing a complaint against this company with every government agency I can think of.
11/02/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 11375
 Web
Please note that I have tried every possible way to resolve this matter amicable over the past 5 years. I have used attorneys and attempted to resolve the matter with the courts. At this moment I have faced XXXX foreclosure sales both of which i was able to stop and the XXXX is now scheduled for XXXX XXXX, XXXX. In an effort to stop this one my attorney asked me to file this complaint and if that did not work I was going to file another montion and or a lawsuit against the bank and the lawfirm for illegally attempting to foreclose on my property all teh while I have been in negotiations with both the attorney representing the bank as well as in negotiations and discussions wiht the loan servicing company. As of date i have submitted an offer letter to settle the loan in liuie of forelosure, i have submitted to the Attorney a offer letter in writting and in email format and to teh servicing company Financial information for my current fiscal year XXXX and tax information for XXXX, XXXX and XXXX fiscal years including a letter of representation from my accountant. I have email and faxed the document multiple times. As such the representative from the servicing company assured me that the foreclosure would be stopped and to this date it is still pending. I am writting to you to assist me with stopping this foreclosure procedding and investigating as I am compelled to clain that they are violating my right and potetntially ignoring my efforts to settle this matter amicable. As I have stated I have spent money on attorney to assist me and yet still they do not work in any minigful way to resolve the loan default status. I continue to waste money and time fighting this. I have made an offer of XXXX to settle a loan amoutn of XXXX but to now I can not get a response from any one including the attorney of record and the bank or its servicing company. Please not if I can not get assistance in stopping this foreclosure, i ahve instructed my lawyer to suit the attorney and the bank for violating my right under the protections granted me under teh Consumer Financial protection act. Best regards, XXXX XXXX XXXX
02/04/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
XXXX XXXX XXXX XXXX is the loan processor for my mortgage. However, the owners of the note is Bayview Loan Servicing, now Community Loan Servicing. I am a small landlord and occupy one of the units in my 5-unit building in XXXX XXXX CA. My day job is XXXX XXXX XXXXXXXX, so I am far from wealthy. I live in a poor part of XXXX XXXX and I serve the housing needs of 4 minority, low-income families that have been in the building for years. After the pandemic started, my tenants had trouble paying rent, and I had to ask XXXX XXXX XXXX for a forbearance starting from XX/XX/2020. They consented. In XX/XX/2020 I submitted the paperwork request by XXXX XXXX XXXX to initiate a loan modification. After many calls with disparate customer service agents and many hours on the phone with XXXX XXXX XXXX, I was able to ascertain that the final decision rested with Community Loan Servicing. After many more hours on the phone with their customer service agents, I was referred to XXXX XXXX XXXX XXXX, XXXX ) who never answered the phone and didn't answer my voicemail messages for weeks. When he contacted me, he did so just to tell me that my account was under XXXX XXXX ( XXXX ). I was able to speak to XXXX XXXX twice on the phone in XX/XX/2020. He said that Community Loan Servicing was not capable of handling deferments at that time and that I had to wait for them to be able to do so, thereby depriving me of my rights under the law. I told him that I had the right to apply for a loan modification under the law but he dissuaded me from doing so. I then requested to speak to his supervisor. He said he would put me in touch with that individual, but never did. He also refused to give me his telephone number, and has been unresponsive to my numerous emails ever since. Because of XXXX XXXX neglect of duties and unresponsiveness, I am unable to proceed with my loan modification. I am accumulating massive amounts of debt and I am afraid I will lose my building, but I have no one to help. I am asking you to please intercede for me with Community Loan Servicing so that I may be able to proceed with the loan modification I requested.
07/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21217
 Web
My name is XXXX XXXX. I have a loan with Bayview Loan Servicing LLC. I would like my home to be released to me. I would like Bayview Loan servicing LLC to stop negatively reporting on my credit bureau report. I've never had a late payment. I feel like I'm being treated unfair. I paid my mortgage off in XX/XX/XXXX. I have been paying on fees add to the mortgage.. My mortgage came from XXXX. I really only owe {$380.00}, this is an add on created at my first mortgage company, XXXX. Since I have Bayview Loan Serving LLC has acquired my mortgage it has increased every time the payoff is near. I have over paid {$1200.00} on this mortgage and I need help to be done. Bayview wanted {$1200.00} for the add-on to mortgage. When I started paying it off the add-on amount kept changing now it is {$1700.00}. This add on I was informed by Bayview Loan Serving LLC. XX/XX/2019 the last payment was made. I only authorized one mortgage payment of {$360.00} for XX/XX/2019. There was a second payment withdrawn from my account for {$360.00} on XX/XX/XXXX unauthorized. The balance on the mortgage after the first mortgage payment was made in XX/XX/XXXX of {$360.00} would have been approximately {$100.00}. I received the check for {$250.00} in the XX/XX/XXXX mail. I checked my bank statement and call my bank. I had my bank reverse the second mortgage payment. Receive documents in the mail saying to pay my mortgage off and there are no liens on the property. Bayview gave me a representative by the name of XXXX called me on XX/XX/2019we did final payment on the mortgage of {$200.00}. I also received an overnight package requesting XXXX XXXXsome dollars to close the mortgage out overnighted do XXXX the day before. Yesterday I received the documents saying I owe {$1600.00}. This is what they want to make the mortgage current. Every payment I made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are marked as unpaid. My bank statements will prove that I paid my mortgage. The letter also says I'm 149 days delinquent in my mortgage and they want to foreclose on my home as of XX/XX/2019. I pay all my own taxes and insurance on the property.
02/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MS
  • 39042
 Web Older American
The original mortgage was held by XXXX XXXX XXXX. My monthly payment was {$650.00}. This loan was then transferred to Bayview Loan Servicing as of XX/XX/17., with an interest rate of 10,19 %. At this point. I requested a loan modification due to my inability to pay the note based upon my income. I am a retired person with a fixed income. I did reach out to HUD for assistance in developing a schedule of my income and debts showing my inability to pay this mortgage amount. After speaking with HUD representative for several weeks and sending the schedule requested, I was unable to reach the individual who was assigned to me. After many tries, I called the main # and that persons indicated that the assigned person was out ( sick leave ) I asked if they would forward the information on to Bayview, XXXX XXXX, Asset Manager, who was the contact person @ Bayview, working up the modification request. I am not sure if they used the package of information sent to them by HUD, even though it was sent. During the modification loan process, I was told that I did not have to pay the monthly note, those missed payments would be added to the loan when approved. I did not know that they would report the late payments to the credit Bureau which affected my credit score. It was my intention to get my credit score up to a point that I could qualify for an FHA loan with a lower interest rate. I have asked BayView to remove this from my credit report since the total deliquent amount was added to the loan which made my loan increase from {$36000.00} to {$40000.00} ( interest being added ) My other concern is that this loan is being secured by a home ( my house ) and 23 acres of real estate.. Secured by more than 3 times that of the loan. I have indicated to both XXXX and Bay View that I did have a description of my deed with house and 3 acreage, which would cover the loan. THEY WOULD NOT ACCEPT THIS!!!! This property is my inherited property from my Grandfather. That is the reason I had the surveyor to cut out three acres around the house in case I wanted to borrow against. Secondly, the 10.190 % interest is predatory
01/25/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
XXXX XXXX XXXX XXXX is the loan processor for my mortgage. However, the owners of the note is Bayview Loan Servicing, now Community Loan Servicing. I am a XXXX XXXX and XXXX one of the XXXX in my XXXX building in XXXX XXXX CA. My day job is professor of XXXX, so I am far from wealthy. I live in a poor part of XXXX XXXX and I serve the housing needs of 4 minority, low-income families that have been in the building for years. After the pandemic started, my tenants had trouble paying rent, and I had to ask XXXX XXXX XXXX for a forbearance starting from XX/XX/2020. They consented. In XX/XX/2020 I submitted the paperwork request by XXXX XXXX XXXX to initiate a loan modification. After many calls with disparate customer service agents and many hours on the phone with XXXX XXXX XXXX, I was able to ascertain that the final decision rested with Community Loan Servicing. After many more hours on the phone with their customer service agents, I was referred to XXXX XXXX XXXX XXXX, XXXX ) who never answered the phone and didn't answer my voicemail messages for weeks. When he contacted me, he did so just to tell me that my account was under XXXX XXXX ( XXXX ). I was able to speak to XXXX XXXX twice on the phone in XX/XX/2020. He said that Community Loan Servicing was not capable of handling deferments at that time and that I had to wait for them to be able to do so, thereby depriving me of my rights under the law. I told him that I had the right to apply for a loan modification under the law but he dissuaded me from doing so. I then requested to speak to his supervisor. He said he would put me in touch with that individual, but never did. He also refused to give me his telephone number, and has been unresponsive to my numerous emails ever since. Because of XXXX XXXX neglect of duties and unresponsiveness, I am unable to proceed with my loan modification. I am accumulating massive amounts of debt and I am afraid I will lose my building, but I have no one to help. I am asking you to please intercede for me with Community Loan Servicing so that I may be able to proceed with the loan modification I requested.
03/15/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 75067
 Web
My complaint - - Bayview Loan Servicing supplied a loan modification to my ex husband with my name on it, yet never required my signature. - Bayview provided a cancellation of debt in XXXX in the amount of {$2200.00}. and never required my signature of acceptance. - Bayview never told me how to get my name off of the loan modification until it was too late - Bayview sent a XXXX in my name to my ex husbands address despite me providing my address/contact information and divorce decree to them in XXXX. - The property is not mine. the XXXX should have only been in my ex husbands name I was divorced in XXXX. My ex husband was awarded this house and since my name is also on the loan the divorce decree indicates i must be held harmless when it comes to this property. XX/XX/XXXX I found a loan with XXXX XXXX on my credit report. I immediately called them to find out why, and was told My ex husband received a loan modification from them. I explained the house was not mine and sent them a copy of my divorce decree. I asked how i could get my name off of this loan, and was told there was nothing i could do unless my ex husband refinanced in his name only, which he could not/would not do. I provided all of my contact information and asked that i be notified of any and all issues related to the loan. I never signed anything or agreed to a loan modification and Bayview told me my signature was not necessary. XX/XX/XXXX I received a letter from the IRS indicating i failed to report a cancellation of debt from Bayview received in XXXX. When i contacted Bayview i found that they removed all of my contact information at the request of my ex husband. They provided me with a XXXX that was mailed in my name to my ex husbands address in XXXX. Bayview refuses to send a correct XXXX despite having the divorce decree on file. They informed me they could not do this because i failed to file a release of liability with them, and will provide no explanation for why their staff never informed me of this on any of the numerous phone calls i made to them. The loan is paid off now so no one will help.
02/13/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 92679
 Web
MY LOAN WAS ORIGINALLY WITH XXXX. THEN XXXX XXXX XXXX. THEN DURING A LAWSUIT AND FORECLOSURE, XXXX XXXX XXXX TRANSFERRED OUR LOAN TO BAYVIEW LOAN SERVICING. WE SETTLED WITH THEM AND THEY FINALLY MODIFIED THE LOAN. BAYVIEW HAD THE LOAN UP UNTIL XX/XX/XXXX AND IT WAS AGAIN TRANSFERRED BACK TO XXXX XXXX XXXX. NEITHER BANK WILL RESPOND TO MY REQUESTS. On XX/XX/XXXX Bayview Loan Servicing cashed a refund check # XXXX in the amount of {$1000.00} from the XXXX County, CA tax assessor, for a property tax appeal that I initiated and won. These funds were due ME and/or were to be put into my ESCROW account for property taxes. Bayview did not allocate these funds to my account and there is no record on my escrow statement where the funds went. There is a second check for the second half of the tax installment of {$1000.00} that has gone " missing '' and has not been cashed. I have requested five times to have Bayview request a STOP payment on check # XXXX in the amount of {$1000.00} and have it re-issued to either me, or now that XXXX XXXX XXXX owns the loan again, to them. I have sent a letter that instructs them to contact XXXX, at the XXXX County Assessors office XXXX. Her # is XXXX. Also to be put in the letter that any future refunds and or correspondence from the XXXX County CA, Assessors office - be transferred to XXXX XXXX XXXX, as if the next property tax appeal results are the same, they will be refunded to Bayview unless this is done in ADVANCE. I have another property tax appeal coming up and any future refunds need to be sent to XXXX XXXX XXXX, not Bayview Loan Servicing. The Mortgage interest statement from Bayview Loan Servicing and XXXX XXXX XXXX statements DO NOT MATCH and have conflicting figures. Both show different deferred interest amounts and loan balances. This needs to be corrected immediately as XXXX XXXX XXXX is requesting a $ 4800+ cushion in my account when I should already have {$2100.00} cushion in the account. This puts our payment in an uncomfortable amount financially and I do not want to default. Both banks will NOT RESPOND TO MY REQUESTS.
11/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55406
 Web
1 ) XXXX XXXX indicated that my last mortgage modification would bring my loan current to XX/XX/XXXX. My loan was brought current to XX/XX/XXXX. This was escalated for resolution and has yet to be resolved. 2 ) I wrote a letter indicating issues with my mortgage modification and that I wanted to proceed with a Bayview in-house modification, and I sent in the request for resolution within 30 days after signing ( the instead offered and accepted HAMP mortgage modification ) documents to indicate issue. This has yet to be resolved. 3 ) I sent in all documentation requested of me by XXXX XXXX ( and XXXX XXXX ) and communicated regularly with employees at Bayview Loan Servicing to indicate my intention to avoid foreclosure. I have complied with sending any and all documentation requested to qualify for work out options. This has yet to be resolved as work out options have not been communicated to my attorney ( to the best of my knowledge ). 4 ) XXXX XXXX told me in recorded phone conversations that I would be eligible for a repayment plan, and then would n't get back to me until after my mortgage was referred to foreclosure attorneys at XXXX XXXX XXXX XXXX XXXX attorneys, resulting in thousands of dollars of extra fees that included payments due that were to be deferred in my principle balance, and then authorization was given twice to proceed with scheduling a foreclosure sale of my home. This is dual tracking in Minnesota and extremely poor business conduct, which has led these issues being addressed today. I am submitting this complaint to indicate that I am still trying to resolve these issues. 5 ) My attorney has requested all work out options available to me from Bayview Loan Servicing, and has yet to receive these options, to the best of my knowledge. Please send them. 6 ) I am trying my best to work with Bayview to collaboratively avoid foreclosure, which has been my stated intention all along. It is in the best interest of everyone involved to avoid foreclosure of my home. I request resolution of these complaints and ask for any and all assistance. Thank you.
11/07/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • KY
  • 410XX
 Web Servicemember
5 years ago I fell 2 months behind on my mortgage. I reached out to my lender, Bayview Loan Servicing LLC, for assistance and they told me I was ok and that when I fell to 3 months behind they had programs and options available to help me with my financial situation. The day I hit the 3 month behind mark, I called the lender to make a payment and schedule the remaining XXXX late payments for XXXX weeks later via automatic withdraw to bring the account current, only to find out that I was being processed for foreclosure. Unfortunately my situation required a chapter XXXX bankruptcy ( the debt was mine and I should be responsible for paying it back, not wiped clean and given a free ride ). Since filing for bankruptcy, I have made every monthly payment to my current mortgage lender, Bayview Loan Servicing LLC, ( sometimes a little more ) for the last 5 years as per my chapter XXXX bankruptcy requirements. I have the receipts and or conformation numbers to verify each payment. Twice during the bankruptcy Bayview incurred debt on my behalf without my permission ( they paid my property taxes when I have never had an escrow ). They attempted to have my bankruptcy discharged stating I was 6 months behind, again we had the receipts to prove their accusation wrong. As of the end of XXXX 2015 I have been released from my bankruptcy as paid in full. I just attempted to refinance under a VA loan and much to my surprise Bayview is reporting me as delinquent, again we have made each monthly payment with receipt to verify, as recently as XXXX 2015 even thought they say I have a XXXX $ credit. Bayview Loan Servicing LLC even sent a letter to the bankruptcy trustees stating we were current on our loan. As a result of their improper reporting habits I can not refinance under any loan to get out from their 9 % interest rate. Can someone please help resolve our issue? I have been fighting with this company for years now. Research has shown Bayview Loan Servicing LLC to have terrible consumer relations and would appear they are in the business of forcing people out of their homes.
01/08/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70072
 Web Older American
My mortgage company is Bayview Loan Servicing LLC.. My mortgage was sold to them I did not choose them. I received a letter or multiple letters saying I should get my own homeowners insurance I would probably have better coverage as I was enrolled in their Lender funded homeowners which only covered the structure and nothing else. I went to XXXX XXXX in the last week of XX/XX/XXXX got my own homeowners. I put XXXX down and have XXXX a month note. Bayview was sent the declaration page to prove I have XXXX worth of homeowners. Because Bayview had screwed me in the past I called on XX/XX/XXXX to inquire on the status of removing me from lender funded insurance. Needless to say Bayview representatives didn't have any idea what I was talking about. So XXXX at XXXX XXXX contacted Bayview talked to a XXXX and emailed and mailed all the documents again proving I had homeowners. XXXX XXXX is a subsidiary of XXXX XXXX and holds my homeowners policy. Bayview sent a XXXX check to XXXX XXXX, XXXX XXXX returned that check to Bayview. Low and behold my house note instead of decreasing has increased XXXX. My question is Bayview threw my escrow into the red by XXXX, where is the XXXX check that XXXX XXXX returned to Bayview. Did someone put it in their wallet. Also afer all this I was told to write a letter explaining that I had procured my own homeowners therefore there was no need to escrow the insurance. Finally after months I was told they were not going to stop the deducting escrow for insurance and for me to stop paying it. Really!!!!! funny nobody mentioned that in XXXX. The extra XXXX a month sure sounds like a percentage of XXXX dollars that was returned to them in XXXX. So if they took XXXX out of escrow and threw me in the red what did they do with the XXXX check when they received it from XXXX XXXX and it has been confirmed they received that check. Personally I think they are the most unscrupulous slimy crooks in existence. I can go on and on but don't want to write a novel. Thank you. I can get documents from XXXX XXXX and XXXX XXXX. I am XXXX and on XXXX.
07/24/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 98110
 Web
I sent a Notice of Rescission to a claimed creditor, Bay View Loan Servicing, LLC on XXXX XXXX, 2015. This notice is also recorded. Rescission is effective on the date of mailing and it renders the mortgage contract which in my case was a note and deed of trust VOID by Operation of Law. The unanimous XXXX Court Ruling decided on XXXX XXXX, 2015 and written by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is the most recent ruling from the highest court on the matter of TILA Rescission. If Bay View wanted to oppose the above mentioned Rescission, they could have done so in the 20 days following the date the notice was sent. Because Bay View Loan Servicing, LLC has ignored the notice of Rescission and has not filed a lawsuit in the 20 days following the notice date, the Rescission in question can no longer be contested or opposed. According to TILA, Regulation Z, and the XXXX Court, the Rescission was effective the moment the notice was mailed. Bay View Loan Servicing, LLC has not responded directly to any communication including to the notice of Rescission sent to them on XXXX XXXX, 2015. XXXX Trustee who initiated foreclosure proceedings on my permanent residence with and for Bay XXXX Loan Servicing continues to file legal notices about a pending foreclosure as if mortgage documents still existed for the property in question. XXXX Trustee was notified of the notice of Rescission yet they deliberately ignore the law. By Operation of Law, no note or deed of trust exist for the above mentioned property. " ... .if there is no note and mortgage then anything that happens afterwards is void because you ca n't get a foreclosure on a mortgage that legally does not exist even if a copy of the mortgage is sitting in county records. And a sale would also be void. " Who will make Bay View Loan Servicing, LLC and all of the parties they seem to direct, XXXX Trustee and claimed partner/servicer XXXX XXXX XXXX Bank with addresses in New York and Texas accountable to obey the law? I would appreciate the CFPB looking into this matter as soon as possible.
08/26/2022 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 78155
 Web
In the interest of my Name and Property, XXXXXXXX XXXX XXXX, dba XXXX XXXX XXXX, XXXX XXXX, Community loan servicing formally bayview loan servicing, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Authorized Rep XXXX XXXX attorney/debt collector. Have taken actions that are a violation of the FDCPA, FCRA. In relation to their collections practices of an alleged debt. The companies addressed here have violated the cease and desist notice sent their respective offices by registered mail that the debt is disputed and ordered to cease reporting misleading information on my consumer reports and communication with me unless they were to provide proof that a debt was valid and the law that relate to the alleged debt was not followed applicable in dealing with such a matter. By further mailing of statements and harassment letters from the attorney 's office listed above and unauthorized furnishings of transaction history and experiences between myself and the parties violates 1681 ( b ) 1681 a ( i ) permissible purposes and exclusions of certain information on a consumer report. I am holding these companies accountable for violation of 1692 e ( 2 ) The false representation of the character amount, and legal status of a debt. 1692 e ( 4 ) The implication that nonpayment of any debt will result in seizure or sale of property, 1692 d, 1692 f by communicated use of the attorney, listing my property and name in public notice of foreclosure as a delinquent debtor, has caused damages to my reputation as a natural person consumer, that will grossly affect my ability to do business and be provided housing whether it be lease rent or owning without being denied as a consumer. Under the 15 usc 1692 and 15 usc 1681 s-2 ( a ), 1681 c, 1681 n, 1681 o, 15 usc 1681 n ( 1 ) ( A ), ( B ) ( 2 ), and ( B ) ( 3 ). These companies have caused injury and have failed to deliver the name and address of the original creditor so that I may be able to validate their claims to a debt and actions. I have not given any consent to the actions being taken against myself or personal property.
12/02/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 32209
 Web
A final judgement for Dissolution of Marriage between XXXX XXXX XXXX and XXXX XXXX XXXX was issued on XX/XX/2012 in Case Number - XXXX XXXX. Please visit XXXX XXXX XXXX for a copy of the court document. The Community Loan Servicing in the amount of {$150000.00} is outstanding debt related to the marital home. Per the final judgement, the marital home was awarded and deeded to XXXX XXXX XXXX AND is 100 % financially responsible for all of the mortgage payments, insurance, taxes, and all associated debts related to the marital home. She was also ordered to remove my name from all mortgages and financial obligations related to the marital home by XXXX XXXX, 2012 OR put the marital home up for sale. According to Florida law, the Mortgage Note and the Warranty Deed are ( 2 ) separate legal instruments, independent of each other. I believe Community Loan Servicing and XXXX Home Lending, the lenders, breached Florida contract laws implied covenant of good faith and fair dealing by modifying a mortgage contract without my signature and still hold me financially responsible. I hereby dispute this account as she has modified the loan in her name as single and unmarried AND it is still reporting on my credit as Ms. XXXX is currently in contempt of court for failing to remove me from the mortgage or dispose of the property in a timely manner. This lender, having knowledge of the final judgement based on the loan modification, is still reporting on my credit profile which is a direct violation of the Fair Credit Reporting Act in my opinion. The Banks knew the terms of the final judgement and modified the loan instead of refinancing it. The bank had the opportunity to refinance or let her assume the mortgage based on the same terms of the modification since it is based on her income and credit as well. As per the court order she is 100 % financially responsible for the debts related to the marital home. A copy of the Deed to the property and proof of the loan modification can be found at the website listed below. XXXX XXXX XXXX ( Acclaim Official Records )
03/29/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • LA
  • 70471
 Web
On XX/XX/XXXX I sold my house which was under mortgage by Bayview Loan Servicing. The payoff request/statement received from Bayview on the day of closing did not include the last payment that was made on my mortgage ( {$880.00} ). The title company responsible for the closing called Bayview and was told that the last payment had not been included in the payoff statement due to insufficient time between payment being made and payoff request being requested. I was informed that the overpayment would be returned within 21 days. It is now more than two months since the closing and I have not received any funds back from Bayview. When logging on to my Bayview account online it states that the last payment received was XX/XX/XXXX. This is the date when the second to last payment was posted. So it seems like my last payment which cleared on XX/XX/XXXX, is missing from their system. In XX/XX/XXXX I had a similar experience with the same mortgage company. All payments were made on time but still Bayview claimed that one payment was missing. I provided documentation of all checks to them clearing the bank, but Bayview refused any wrongdoing. After I filed a complaint with the Consumer Financial Protection Agency they finally admitted that the mistake was on their part and that they accidentally had posted one of my payments incorrectly. The funds was finally returned to me. It seems to me a similar situation has occurred again. I have documentation that the last check on my mortgage cleared on XX/XX/XXXX, but Bayview claims the last payment received was XX/XX/XXXX. Due to my house being under a bond for deed contract the mortgage payments have not been made by myself directly, but though a company called XXXX. XXXX have provided me documentation of the last checks to clear the bank. This will be attached to this complaint. I am surprised and appalled that a mortgage service company can do this kind of mistake multiple times and wonder if it is due to incompetence or if the company is trying to defraud their own customers for personal gain.
11/07/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
In the course of Bayview Loan Servicing activities, Bayview Loan Servicing has engaged in the following acts and practices : XXXX ) Failure to timely and accurately apply trial modification payments made by borrowers XXXX ) Failure to maintain accurate account statements XXXX ) Failure to timely and accurately update automated system with timely, accurate information and accurately applied payments and accurate account payment dates, accurate account On XX/XX/XXXX, we made our forth trial modification payment for the month of XX/XX/2016. Although Bayview Loan Servicing had been notified regarding their automated system in a previous complaint, Bayview Loan Servicing 's automated system has continued to provide the wrong information on our account for XXXX months. Bayview Loan Servicing 's automated system states " Your next agreed upon payment for {$1900.00} is past due as of XX/XX/2016 ''. ( Please listen to exhibit D ). Bayview Loan Servicer is the servicer of our loan and is responsible for the servicing activities on our loan, which generally include collecting payments from mortgagors ; applying payments made in an agreed-upon order and in a correct order free of errors to the mortgagor 's indebtedness. Bayview Loan 's Servicing LLC 's failure to timely and accurately apply payments made by borrowers and failure to maintain accurate account statements and failure to maintain accurate automated system information has resulted in unlawful conduct that has caused injuries to the borrowers. The harm sustained by borrowers includes payment of improper fees and charges as well as psychological and emotional stress. Bayview Loan Servicing LLC 's failure to timely and accurately apply payments made by borrowers combined with failure to maintain accurate account statements and failure to maintain accurate account statements/recordings for the mortgagor through the automated system constitutes unfair or deceptive practices in violation of the consumer protections laws of the State of XXXX. ( See Exhibit A, Exhibit B, Exhibit C, Exhibit D, )
11/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92131
 Web Servicemember
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, Consumer Reporting Agency XXXX The information that I am disputing is false, and egregiously inaccurate, and it is causing me material financial harm, by hindering me from refinancing my current home loan mortgage! Your company XXXX XXXX XXXX has reported to XXXX that my previous home loan, which was held by Bayview Loan Servicing, was foreclosed on, vice sold to a 3rd party investor. I subsequently repurchased my home and I am still currently living in that home. I dispute the following information on my XXXX credit report : 1. There is an entry on my credit report under the other loans area, that was reported by XXXX XXXX XXXX, showing that my previous home loan was foreclosed on. This is patently false, as your companies name was not legally changed until XX/XX/XXXX. 2. There is a 2nd entry, that was accurately submitted by XXXX XXXX XXXX concerning my previous loan, stating the loan was paid in full, without any false information concerning foreclosure. 3. I have enclosed a copy of the letter dated XX/XX/XXXX ; from XXXX XXXX XXXX showing that my previous mortgage loan was paid in full, and that the loan was in fact Satisfied, and the Lien was Released. In conclusion, I demand that your organization remove any reference to Community Loan Servicing, and its reporting that my previous loan foreclosed on, from my credit report ASAP. This is fraudulent due to the fact that your company did not change its name until XX/XX/XXXX. If the action that I request is not done ASAP, I will seek out a civil recourse, as this reporting is currently causing me material financial harm. I will also be filing a complaint with Consumer Financial Protection Bureau, as this type of fraudulent double-dealing must not be allowed to happen Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Enclosures XXXX Satisfaction/Release of Lien letter dated XX/XX/XXXX XXXX
11/06/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60067
 Web Servicemember
XXXX XXXX XXXX ( aka Bayview Loan Servicing ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 1. Bayview has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 2. Bayview has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. * I have never nor am in the process of filing bankruptcy. XXXX My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. d. The representative at Bayview said they would contact my attorney and get back to me. I have not heard back in over a week. Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX and XXXX have corrected their reports, although XXXX acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from XXXX XXXX XXXX.
06/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 24112
 Web
In XXXX my mother obtained a {$40000.00} mortgage loan on our family home from XXXX XXXX XXXX. She passed away in XXXX and I assumed the loan under her name. I am also the Administrator of her estate and Successor in InteresXXXX. It was then transfered and reserviced to XXXX XXXX XXXX in XXXX. I paid regularly until XX/XX/XXXX when COVID began. I was put on a forebearance plan but occasionally STILL made payments while on forebearance. The loan matured XXXX of this year. CLS extended me 2 loan modifications that I accepted and remitted payment for. They sent payment back both times stating " Loan matured with no approved workout ''. They kept asking me to prove Successor in Interest, and I did. Several times. The paperwork was even sent directly from the City of XXXX XXXX office. Their representative kept telling me that the person that assumes the loan must be on the deed. I have a copy of the original deed and only my deceased grandmother and grandfather are listed. So when my mother obtained the loan, she was not on the deed and was never put on the deed. So how was she able to obtain the initial loan? If I am acting as the same entity as my Mother, who presented only the deed she had to obtain the loan, then why am I not able to do the same to maintain the loan? I sent CLS a QWR in XXXX of this year and they then RE SERVICED the loan to XXXX Loans WITHOUT RESPONDING to the QWR. They then just YESTERDAY replied in an email, but it was not a QWR response. I have also sent the new loan servicer a QWR 3weeks ago and have heard nothing as of yet. I contacted the FBI earlier this year with no success because I know that at least one name on a mortgage loan must be present on the deed. I have maintained that XXXX XXXX has committed mortgage fraud and sold the loan to Bayview without them knowing that my Mother is not on the deed. So I've paid OVER XXXX for an illegal mortgage loan, plus interest and would TRULY like to have an attorney help me to obtain my, and my Mother 's estates monies back. I am sure I am not alone.
08/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MT
  • 59404
 Web
My loan was sold from XXXX XXXX to Bayview when I got behind on my payment. XXXX XXXX told me they were selling it to another bank and did not explain why. When I asked they said banks do this all the time. Then I found out it was this predatory loan collection agency called Bayview Loan Services. Bayview has had my loan less than one month, already they have come up to my house repeatedly, at least 3 times by now, they have made phone calls, texts, and sent between 8-10 letters. They are acting in a predatory nature. I have a XXXX XXXX child in the home and I do not want strangers here. If I call in to tell them Im going to make a payment, they make me go through a long history of why I am behind on my loan. They use false kindness to get you to tell your story and then they pounce on that to use it against you They will not leave me alone even though I have made two payments since they had my loan. Theyve claimed I had payments still pending when the payment had been made over a week before. Theyve kept me on the phone for an hour trying to explain my situation, then wanting me to tell it again next time I called. They said they work for an investor not a bank, and when I asked who, they said XXXX XXXX and that I had signed paperwork saying they could come to my house after 45 days. Not true. A customer service rep told me to put my taxes through a website that wouldnt actually file them if a needed to. They are completely scammy and have people working for them who look and sound nice that try to gain false trust, and to get people to open their door. Bayview also seems use a certain type of person mainly woman to do this on purpose. I wouldnt be surprised if it was a specific business practice of theirs. They harass me almost on a daily basis ether by phone, at my door, or with letters. They say things like, we only want to help you, or, we need to make sure you hear your welcome information - these people need to be reigned in with some sort or regulation or fine because they are out of control.
06/03/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 94513
 Web
On XXXX/XXXX/2015 I made XXXX payments of {$3700.00} to Bayview Loan Servicing. XXXX was my XXXX monthly payment, the other was to be applied to principal. When I called Bayview customer service advised me that payment would not be applied to principal but would be applied as my XXXX, 2015 payment. I refinanced my mortgage and changed servicers before the XXXX payment was due. The refinance closed on XXXX/XXXX/2015, the escrow company wired the full payoff amount to Bayview on XXXX/XXXX/2015. The amount wired was {$470000.00}, as per the payoff quote sent by Bayview. Bayview did not process that wire until XXXX/XXXX/2015. Per Bayview 's own activity statement the principal portion of the XXXX payment was applied to the loan balance on XXXX/XXXX/2015. The interest portion was not applied to the loan balance, it is being held in suspense. The payoff amount requested by Bayview excluded the interest portion of the second payment. I expect Bayview to refund me the interest portion of that extra payment, but as of today they have not. I waited XXXX days after paying off Bayview for the interest to be refunded. I have made numerous phone calls to Bayview. On XXXX/XXXX/2015, I faxed a written request to a manager named XXXX : fax XXXX. I called the following week, spoke to an agent who confirmed that the fax was received. The agent advised me that it could take up to XXXX days to resolve the issue, but to follow up because these issues are normally resolved much faster. On XXXX/XXXX/2015 I called again, spoke to another agent who said that there was no case being worked on at all. The agent advised me to email a copy of the fax I 'd sent on XXXX XXXX to XXXXXXXXXXXX, which I did. As you can see by the attached documentation, I am due the {$2000.00} that was never applied to my loan balance. Bayview has kept these funds for over XXXX days and has yet to acknowledge my repeated requests. I need the help of CFPB as I have tried in good faith to work directly with Bayview and have yet to receive a refund.
05/11/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • NC
  • 27407
 Web
Had a loan with XXXX and it was sold to Bayview Loan Servicing . My final payment with XXXX was drafted on n X/XX/2017 . I d id receive notice that Bayview would take over the loan. That is when things became a problem. I never authorized Bayview to do an electronic draft from my checking account. My final electronic check from XXXX on X/XX/2017 indicates authorized by your depositor and the unauthorize draft from Bayview in dicates authorized by drawer. This would not have been a problem if Bayview would have informed me that they intended to use same drafting information from XXXX . Trying to keep my good payment history I went into Bayviews website on XXXX XXXX , 2017 a nd submitted an electronic payment for my first and worse payment experience with Bayview. Not until after the payment was submitted did I realize that the electronic payment from XXXX may move and this could cause my good deed to turn into a nightmare. On Monday, XXXX XXXX , 2017 I cont act Bayview and enquired about the payment. The agent instructed me to stop the payment at my bank. The same day went my bank and was told that the transfer is immediate and can not be reversed. XXXX on the same day contacted Bayview again and was told 21 days to get a refund. Told the agent that was not acceptable and placed in escalation. Was instructed by escalation department to fax the documents showing double payment and they would overnight my refund check. The items did not show up on my account until X/X/17 on the same day returned the fax with all the requested documents and even call. Was told then that my check should be in before Friday. Friday came no check in the mail. Call again on X/X/17 and was told the check was processed and should have it soon. X/XX/17 still no check. Making two payment has created an extreme hardship on me and my family not to mention getting the run around from Bayview. Surely something is wrong with this picture. I need help. Thanks
08/17/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • PA
  • 19087
 Web
This is a complaint related to the non-answer on Complaint # XXXX I received from Bayview on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( attached ). The original complaint : Describe what happened so we can understand the issue ... I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS. My response : To Bayviewloanservicing Customerservice XXXX XXXX CC CPA XXXX XXXX XXXX Message body To Whom It May Concern : I have received your response to my inquiry dated XXXX/XXXX/XXXX and have further asked the CFPB to pursue my complaint. I believe the XXXX ( Corrected ) document I received on XXXX/XXXX/XXXX is ( a ) in error in its amount and ( b ) not received in a timely fashion and ( c ) the original from was never issued to me ( if this is indeed a " Corrected '' version ). The pertinent paragraph in my DIL documents was unequivocal : Inline image If you were to pick another FMV of the property ( from the several appraisals you conducted ) ; it should have been immortalized in the Document of DIL. I 'm am not a expert here but am sure you 've violated IRS rules in the timing of issue ( my quick research indicates that XXXX 's for Cancellation of Debt are due to Taxpayer by XXXX XXXX ) and in the amount on the XXXX Corrected. Please correct this mistake immediately. Attached : Your XXXX/XXXX/XXXX Response The DIL documents signed XXXX/XXXX/XXXX XXXX Corrected received XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Cell XXXX Bayview has now delayed me again on this response. I believe they are outside of IRS and Consumer Finance laws here but they refused to answer a call of try honestly to resolve this issue
10/04/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60504
 Web
My loan was sold to Bayview Loan ServicingXXXX I received a debt verification, dated XX/XX/XXXX, on about XX/XX/XXXX. As I have been, I mailed my monthly payment ( XXXX ) and also responded to debt validation by indicating XXXX, my former servicing agent, along with XXXX XXXX XXXX, was aware that there was a misapplied payment, posted to my second loan which was closed by XXXX sometime ago. XXXX XXXX XXXX sold my load with the situation under reviews, XXXX took my loan, and even though advised, did not do anything, and in XX/XX/XXXX, stated the matter was " under review ''. Now once again, my loan is with another service who not only tells me I 'm 30 days behind but also has demanded that I pay monies that were placed at the end of my loan through the mortgage settlement. I have seen my credit report repeatedly damaged, and have spent countless amount of time trying to rectify the matter. I am hearing impaired and have asked that written correspondences or even email be used to no avail. I have a caption phone that works most time, and also provides a transcript, one which acknowledges XXXX stating the matter was under review. Now Bayview, though, I have confirmation that they have received my payment has not updated my account or credited my full payment. I have seen so many complaints on Bayview, I am concerned with the matter. I have worked extremely hard and overcome many, many obstacles. I am not behind, and at the writing of this complaint owe for the month of XXXX. I do not dispute that I owe various fees, but not al the necessary {$15.00} fees for listing my home in default, while utler ignoring my dispute of one payment. I even became so distraught I offered to pay half the payment spread across my loan for six months, no answer from XXXX. I simply want resolution and to not have to spend my time, or Bayview 's time bring about a battle that should not exist. I respectfully request that this matter be moved for resolve though crediting my account of some agreeable terms. Thank you
10/17/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33029
 Web
Dear Customer Service Representative, I need your help. I am a XXXX XXXX Veteran. I would like to keep my home. I would like to refinance my home mortgage with a VA loan. I have already received a Certificate of Eligibility from the U.S. Veterans Administration. My home loan was initially financed by XXXX. They sold my mortgage to Bayview Loan Servicing , LLC . I have had a lot of problems dealing with Bayview Loan Servicing , LLC . In my opinion, I believe that I am being discriminated against because I am a XXXX Veteran. I was recently admitted into the XXXX XXXX due to XXXX. I am not sure if they dealing in bad faith or if they totally incompetent. My foreclosure trial is XXXX XXXX, 2016. I desperately need your help. I have been contacting Bayview Loan Servicing , LLC . by phone, email, and express mail since XXXX of 2016. In XXXX of 2016, I sent them an updated Request for Mortgage Assistance via, fax, e-mail, and express UPS mail. They have NOT acknowledged receiving it. In fact, I have evidence that they have NOT READ and ERASED my e-mail on at least 3 occasions. I also have evidence that they purposely provided me with the INCORRECT mailing address on at least 15 occasions in less than 3 months. I am not sure if they dealing in bad faith or if they totally incompetent. The contact information for my new mortgage owner and servicer is as follows : Bayview Loan Service, LLC., Loan # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , FL XXXX XXXX and XXXX ; XXXXXXXXXXXX and XXXXXXXXXXXX. My contact information is : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, CELL : XXXX and e-mail : XXXXXXXXXXXX. In summary, I would like to keep my home. I would like to refinance my home with a VA loan. I need for Bayview Loan Servicing , LLC to treat me fairly. I will appreciate ANY assistance that you could give me. My foreclosure trial is XXXX XXXX, 2016. Thank you. Very respectfully, XXXX XXXX, XXXX. XXXX Veteran XXXXXXXXXXXX XXXX : XXXX
12/27/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • MN
  • 55337
 Web Servicemember
Bayview loan servicing, not reporting our current mortgage status, we own our home, Bayview showing on our credit bureau history, we lost our home in s chapter XXXX Bankruptcy discharged on XX/XX/XXXX. We have been current with our mortgage, and due to an attorney error, s letter to reaffirm our mortgage debt was not filed withBayview, s letter of intent to keep this debt, as well as s car was filed. This error was not found by Bayview or myself till I pulled s credit report almost s year after Chapter XXXX was discharged. Bayview refuses to report to credit bureaus accurate information, due to the missing reaffirmation letter. We modified our mortgage XX/XX/XXXX We pay on time, but Bayview continues to show we lost our home in a chapter XXXX Bankruptcy! I have since sent them the copy of the reaffirmation of debt letter, my attorney is no longer employed with the law firm we used. I have sent all three credit bureaus, 10 years of payment history on our mortgage, deed, ad well as property tax statements. They will not change info on credit report. Bayview loan servicing, had recieved the documentation and continues to not report to credit bureaus. This is wrong.. they will not work with us due to human error. We pay our mortgage every month, have for years, but on our credit report Bayview shows we are not home owners! This is bad business practice. Our credit report needs to reflect that we are home owners and we pay on time. I have sent the reaffirmation letter to there company, but they will not acknowledge they have recieved it. They are a very disorganized company, and our credit is being destroyed. They need to correct our credit report, we did not lose our home before, during or after Bankruptcy. Our home and vehicle are exempt under BK laws. They new we had no intentions of losing our home. Bayview loan servicing are disorganized and take weeks or even months to handle complaints. I have been fighting to get our home ownership back onto credit file for almost three years.
10/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28213
 Web Older American
My name is XXXX XXXX XXXX my mother and grandmother purchased a home with my mother in XX/XX/XXXX my mother later died without having a will which I am also an only child. It was my understanding when I talked with my attorney that there could not be any loans on this house unless I myself signed off on the loans. In XX/XX/XXXX my grandmother was told by the same company and bank XXXX that she could put a Loan on the home which I still remained to have both her name and my mothers name on the deed to this house at XXXX XXXX XXXX XXXX XXXX, NC XXXX. My grandmothers home was paid off in full at the time of my mothers passing. I am her only heir she was never married this loan was given and my grandmother and myself was taken advantage of One was given two loans with the same year of each other which she is unaware of the second loan all together. She has paid over {$200000.00} back for a loan her daughters death paid in full for. She had setup automatic draft payments to have this money taken out of her banking account and now Im being told on the maturity month she needs to have {$32000.00} more because she made the payments late. How would payments be made late if theyre being taken out on auto draft! Im very concerned not just for her which she is retired and have really been taken advantage of from the beginning. The loan was originally through with XXXX it has been transferred several times with the same checking account information they have drafted the money every month now that this loan last payment is transferred to bay view its been told she owes interest for having late payments I spoke with them last year about this loan and it was advised the last payment would be XX/XX/XXXX of this year. Loan number XXXX. Theres a home equity on the house the same thing occurred where my grandmother was told she didnt have to ask or get my permission on getting the loans it was hers my rights and her rights were violated. Another loan is with XXXX XXXX XXXX loan number XXXX.
12/21/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • UT
  • 84010
 Web
I received a letter from Bayview in XXXX stating that I had successfully completed my loan modification program. It detailed that Bayview would be reviewing my monthly payment, interest, escrow and principle amounts and adjust my account accordingly. Then I would be contacted once this process was completed. I am unsure what happened internally in regards to closing my loan modification. As I have not received any additional notification from Bayview. My account is currently showing 3 months past due and I am receiving letters from Bayview about financial assistance. I recently received a letter stating that I have been assigned to a specialized team to assist in bringing my loan back on track. It stated that I need to contact them for assistance. I have attempted contact 15 or more times. An automated system states that their office is closed. However, I am calling during business hours. My loan is not off track ... My payments have been drafted via EFT from my account each month. I have spoken with several associates and supervisors, in an attempt to remedy this issue. I have been told that tasks and requests have been opened to ensure my outstanding payments are applied. Bayview is currently holding {$2200.00} in suspense. I have notified Bayview by phone, their online portal and email. I have requested a copy of my payment history and note in an attempt to facilitate a review and correction. In addition, I have notified them that I would file this complaint if these issues are n't resolved. In addition to the payment issues. I have requested that my name be updated as I was married in XXXX. I have uploaded the required documents directly to their website as well as emailed them. An associate did confirm that this documentation has been received, my name has still not been corrected. I am unsure how to proceed at this point, as there has been no resolution and all numbers I have tried to call have produced a automated response that the office is closed.
05/15/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
 Web
Bank of America Home Loans transferred my mortgage to XXXX XXXX XXXX XXXX ( BLS ) effective XXXX XXXX . I started receiving mail from BLS that I was XXXX months delinquent. I filed numerous inquiries with BLS ( XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ) and submitted documents showing proof I was not delinquent and asked XXXX to substantiate their claim, which they can not do. They stated to me that they could not provide this information because they did not have it or serviced the loan prior to XXXX XXXX So BLS is collecting on a debt they can not substantiate is warranted. Not until I filed a CFPB complaint, number XXXX that XXXX gave me XXXX 's history information so I XXXX review. Reviewing this information, shows where the mistakes occurred but all money is there. Based on the information that was supplied from BLS from my complaint, it does not show that I am delinquent XXXX payments.Both BOA and XXXX are at fault to the information between the transfer. Had BLS verified the information before, during and after the transfer from XXXX , XXXX would have seen the mistakes and realized all monies are accounted for and that XXXX has made the posting mistakes. In order for XXXX to open a BOA inquiry, I had to enter a re-payment plan in order to avoid foreclosure. A plan that I should not have had to enter. My BLS point of contact from communicated that my XXXX inquiry to investigate posting mistakes was opened XXXX XXXX XXXX Today, XXXX months later, I still have not received a claim number or any resolution about the mistakes. I have supplied all supporting documents that prove I have made all necessary monthly payments and that my account is current. XXXX continues to post my payments to the incorrect months. Sincerely, XXXX XXXX XXXX
01/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33486
 Web
The mortgage holder on my personal home has engaged in unfair debt collections practices on multiple occasions. I will outline three of them here : 1. The lender or lender representative tried to gain access into the home and did go into the fenced backyard without any legal documentation giving them the right to do so. Moreover, they engaged with an individual in the home and shared information about who they were and why they were there in a somewhat intimidating manner, which created a problem with my renter. To try to make ends meet, I have taken in a renter ( business colleague ) in a portion of the home as I dont use the entire home myself. I dont think that they are allowed to gain access to my home or property in that manner. They have created an uncomfortable environment as we dont know when they will return. They also created an unsafe condition by not wearing masks and being too close to my renter who has a new grandchild that was visiting at the time. 2. During this pandemic, the opportunity to defer payments has been given to FHA backed loan holders, of which I am. This has been formally requested but no response has been given by lender. I also asked for a loan remodification and none was offered. 3. The lender is trying to circumvent the legal system by not speaking with my attorney who has been handling this issue and directing themselves to anyone in the home, not even the note holder. As the bank will not seem to work honestly with me directly and I am not sure of my rights in this situation, and with the pandemic, I have contracted legal assistance over a year ago and they are fully aware of my representation. I have paid my attorney to avoid exactly what has occurred. I do not see how the above actions could fall in line with the Fair Debt Collection Practices, FTC or State Guidelines. I would like to have the issue investigated and some action taken to prevent this abuse of my rights, particularly in this time of an epidemic.
04/05/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 91303
 Web
SOS Emergency Help for Homeowner Family in XXXX XXXX effected by the Gas Leak and a Predatorial Debt Collector Bayview and XXXX XXXX their California XXXX " trustee '' who does not follow nor honor State and federal Law. There was an illegal foreclosure sale on our home on XXXX XXXX, XXXX conducted by " XXXX XXXX '' trustee who knew we were in a dispute over the alleged debt with " Bayview '' and " Bayview '' themselves. We want and need that illegal sale to be cancelled and reversed. They sold it illegally and broke California state and federal laws. We need emergency help. We need this escalated to the right legal department of the CFPB. We have a whole family with children. It all started, when we were working with XXXX, then XXXX XXXX XXXX, then Bayview to validate the alleged debt with QWR and other requested information. I submitted a loan modification packet several times. Instead of providing the information as required by the Home owner Bill of Rights and California law, they attempted to sell my home on XXXX XXXX, XXXX We filled a complaint XXXX with the CFPB and Bayview backed off the sale and told us to get in touch with XXXX XXXX the account manager at bay view for the loan modification. We were working with her for several months providing her with all documents she requested. Then it was switched to another account manager. We cooperated fully thinking we are getting a loan modification and thinking everything is okay. Then suddenly on XXXX XXXX, XXXX we found out that they allegedly sold our home without any notification, proper notice, nor any communication. We called them and wrote to them and gave them the opportunity to ( rescind ) the illegal foreclosure sale and to reverse their actions were in violation of the California home owner bill of rights and other state and federal laws. We need help. This is an emergency and we need to stay in our house my family has XXXX XXXX kids and we can not lose this home. ( Please help us )
10/27/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 94582
 Web
This is to follow up with my previous complaint that I filed for Bayview Servicing. Bayview servicing put me on worse financial situation. Bayview scheduled a sale date on my home when did n't help me to put me on a payment plan to keep my home. I had to borrow hard loan money with high rate and pay the back payments to Bayview because I want to keep my home. Now, financially I am in deeper debts and higher monthly payment, I am in worse financial situation. I do n't know how long my family and I can survive.I did file for XXXX XXXX to find a remedy but it was a temporary solution. As I learned within last few years, there are different plan to help homeowners to keep their home. Bayview or its investor can lower my rate and or extend the time to reduce the monthly payment, they do n't do it. Selling my home does n't do any good for us. Bayview offers to sell my home but I spent our life saving as down payment and for last few years I paid principal and interest to make equity on my home which can be our future asset, by selling my home all of my down payment and principal payments that I made will get disappear - I do n't get anything back. Where and how I am going to go with family of 8 people. Bayview claims that they conditionally pre-approved me for liquidation options as : sell the property, Pre-foreclosure XXXX, or XXXX. All of these options are in favor of Bayview. If my property has equity on it then I do n't need to be pre approved for the above options because it can be just a regular sale of my home. I borrowed hard loan money to prevent my home auction but this drains my family food and medication resource down to pay the high payments to Bayview and private lenders. I want to keep my home just because of family situation that I have and said for many times in my hardship letter that I sent to Bayview and asking for help to do it. I know there is a way for Bayview and or its investor to work it out with me to lower my monthly payment.
07/30/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • MD
  • 206XX
 Web
My mortgage was sold to Bayview Loan Servicing from XXXX XXXX. Everything regarding my loan remained the same ( payment, etc. ). I made XXXX payments of my original amount to Bayview for the months of XXXX and XXXX 2015. In XX/XX/XXXX, my payment increased from XXXX to XXXX. I was told this was because they added escrow. When I was with XXXX XXXX, I did not pay escrow because we were responsible for our own taxes and insurance. Bayview paid the escrow on my property and that is why my payment went up. I called and was instructed by them to send them a letter stating that we were responsible for escrow payments and they would restore my payment to its original amount. We paid {$1500.00} for our mortgage in XX/XX/XXXX because it was the end of the month. I mailed a certified letter to Bayview regarding my escrow and taxes and was told that it would take XXXX days to process. When I called after the XXXX day, I was told that it would take XXXX days, so my payment would go back to its original amount on XXXX XXXX. I was also told that they had received my paperwork. It is now XXXX XXXX. I called Bayview to make my payment ( late fees were waived ). The payment has not changed. We are now being informed that they will not remove the escrow because we were a day late paying our taxes. Bayview is not abiding by the original terms of my loan. I do n't understand this. We have not been delinquent in paying our taxes or our insurance. My mortgage payment has now doubled which is putting me and my family in a financial hardship. All we are asking is that our payment return to the original amount. We have the funds to pay Bayview back for the escrow that they paid. We had it the whole time. We need your assistance immediately!!!! Thank you. I was just informed that their systems went down and that I could no longer speak to anyone there. I would have to call back and speak to someone else. I have explained this situation to so many people over and over again.
11/27/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Subservicer Bayview Loan Servicing LLC, keeps sending Loan Adjustment Agreement or permanent modification agreements with illegal conditional waivers. Bayview Loan Servicing has dual tracked borrowers for over a year and attempted foreclosure on borrowers over ten times while borrowers are in a current active workout and making payments on a trial payment plan for over a year. Subservicer Bayview Loan Servicing uses a tactic of sending the permanent modification out with illegal conditional waiver for borrower to sign. Then when borrowers fail to give up their rights because the permanent modification agreement has illegal conditional waiver Bayview Loan Servicing will state to the CFPB borrowers declined the permanent modification agreement or borrowers failed to return the permanent modification agreement ; however, Bayview fails to tell the CFPB they put a illegal conditional waiver in modification agreement demanding borrowers give up rights so that Bayview Loan Servicing can dual track them, the waiver also demands borrowers to give up their rights to an attorney and a trial by jury. Therefore, we are providing the Attorney General proof that we did n't decline the modification agreement and have submitted the following to Bayview Loan Servicing LLC. Bayview stated in a response to the Consumer Financial Protection Bureau that they had a right to put the illegal waivers as a condition to the permanent modification agreement. Bayview Loan Servicing LLC, also threatened us and stated if we fail to return the permanent modification agreement signed with the illegal conditional waiver giving them right to dual track us, taking away our right to an attorney and also taking away our right to prevail in court if they foreclose then Bayview Loan Servicing LLC has had us in a trial payment plan current active workout for over a year and threaten us stating they will put all the trial payments plan payments into a suspense account and foreclose on us
01/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92883
 Web
I applied for a loan modification in XXXX i submitted all the documents on XX/XX/XXXX and additional documents on XX/XX/XXXX, i received a email on XX/XX/XXXX stating that 4 items where needed with a due date of XX/XX/XXXX, the letter was address to me and supposedly mailed to me which would have been possible because it had the wrong address on it, also we spoke to XXXX XXXX who is the point of contact for this file and informed XXXX XXXX and my self of the missing documents on XX/XX/XXXX with a due date of XX/XX/XXXX basically giving us one day to get the 4 items in which was on a Thursdays day and we sent the documents in on Friday XX/XX/XXXX, directly to XXXX XXXX XXXX number XXXX which goes to her computer, we followed up with her on XXXX XXXX via email and left messages in her voice mail and called customer service regarding the documents only to be told we could send her a email or leave her a message, we didn't her back from her until XX/XX/XXXX only to told that she didn't get the documents to her efax which is the one we have used all this time, so we resent the 4 items again on XX/XX/XXXX, and of course bayview tells us its after the due date of XX/XX/XXXX and a sale date of XX/XX/XXXX which was more than of enough time to get the loan mod done but they would rather foreclose then to say that XXXX XXXX never responded XXXX XXXX emails or phones calls asking her to confirm that she received the documents that went out two weeks prior on XX/XX/XXXX, we included copy of the dated documents for XX/XX/XXXX a copy of the email from her on XX/XX/XXXX thru her automated dated document system requesting the documents the XXXX items and a copy of the emails asking her to confirm that she received the 4 items.we responded to every phone the same day or the next day from XXXX XXXX but she never responded to any of our emails or phone calls during XXXX XX/XX/XXXX, bayview had plenty of time to process this loan mod from XX/XX/XXXX to XX/XX/XXXX,
05/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 231XX
 Web
XX/XX/XXXX : I applied for a mortgage modification. I submitted all requested documents along with a detailed letter explaining my circumstances. XX/XX/XXXX : I received a past due letter from Bayview. This letter also stated they tried to reach me via phone and I was unavailable. This is not true. I ALWAYS have my phone with me and am available day and night. Ive never received a call from them, missed their call or was left a message to return their call. XX/XX/XXXX : I received a letter stating my modification was assigned to a specialized team. No individual names and no direct phone number to contact an agent. XX/XX/XXXX : I received a letter from Bayview stating they needed 2 additional documents. These documents do not exist and I tried calling several times to explain why these documents are unavailable and was put on hold for over an hour each time, only to have the call dropped. I tried going though Customer Service as well but was put on hold and again, after waiting over an hour, the call was dropped. When I was unable to contact anyone by phone, I sent an email on or about XX/XX/XXXX and never received a response. XX/XX/XXXX : I received a letter disclosing my credit score. XX/XX/XXXX : I received a valuation report or appraisal prepared for my property. XX/XX/XXXX : I received two more letters disclosing my credit score. I tried on or about XX/XX/XXXX to contact Bayview again via phone and was again placed on hold over an hour and the call was again dropped. XX/XX/XXXX : I received a letter via XXXX stating my modification application was denied due to not providing requested additional documentation. I tried calling again today, both via Customer Service and through the phone number provided on the denial letter and again was not successful getting through. I believe I deserve to continue with my modification application and should be able to communicate with a human being throughout the application process as needed.
01/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
 Web
My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). It has been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXXXXXXXXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. I filed a complaint with CFPB on XX/XX/XXXX, and Bayview provided a false response to that complaint on XX/XX/XXXX. In its response letter dated XX/XX/XXXX, page 2 of 4, Bayview claims that it was not in the receipt of an updated insurance policy until the policy was received via email on XX/XX/XXXX, and was processed on XX/XX/XXXX. This is a pure lie, as I have an email evidence that the updated insurance policy was emailed to Bayview Insurance department ( i.e., XXXXXXXXXXXX ) on XX/XX/XXXX, and again was forwarded to them on XX/XX/XXXX. I believe Bayview has been caught in a lie to a federal agency now. They received the proof of insurance that they were seeking on XX/XX/XXXX, but they refused to process it until XX/XX/XXXX. That is more that a month, during which time, Bayview was harassing me with threatening and distressful letters about purchasing lender imposed insurance policy. I want CFPB to ask Bayview about their recent lie in their response. I have attached a copy of the email that was sent by my insurance agent to Bayview on XX/XX/XXXX. In that email, the certificate of insurance was sent to Bayview, but now Bayview claims it did not receive the certificate of insurance until XX/XX/XXXX, which is a big lie.
09/24/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • FL
  • 33030
 Web
My name is XXXX XXXX. I inherited my grandmothers home which is in a current short sale process. The loan originated with XXXX and the service provider is Bayveiw. The address is XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Loan # XXXX I have been in contract for over 2 years trying to sell this property. The previous purchasers backed out when we found out there is over a {$32000.00}. tax lien and a fraudulent deed was recorded and a quiet title suit is required. I do have an all cash buyer who is willing to take these issues, and we sent an all cash offer over a month ago. The loan was reassigned from XXXX XXXX to a asset manager by the name of XXXX XXXX. She has not returned any of my calls nor has she returned calls to the attorney of XXXX who has been diligently trying to close this problematic transaction!!! Since then Ive dealt with squatters and had the XXXX XXXX electrical inspector shut electrical to the property because the squatters bypassed the fuse box and hard wired the home which was a fire hazard. Now the purchaser has the additional expense of bringing the entire electrical service up to code. Im frustrated because the tax lien is accruing interest daily and no attemp for communication has come from the new asset manager to assist us to sell the house. Its very strange because the between the huge tax lien, a quiet title action, over {$100000.00}. Repairs to the house and no C/O its defineately in everyones best interest to close promptly. This has been the most horrible experience over the last two years where weve had numerous other problems with Bayveiw if you want to check the history, Ive filed two other complaints which were resolved because of your involvement. I would appreciate any assistance on this matter greatly. My mother has stage XXXX XXXX and I am a single mother of a XXXX year old. I take care of them both. It would be a tremendous load off my shoulders to get this house sold and closed!!! Sincerely, XXXX XXXX
12/29/2017 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91321
 Web
In XXXX I filed for Chapter XXXX Bankruptcy. I successfully completed my chapter XXXX bankruptcy in XXXX XXXX. Shortly after my discharge, I got a notice from Bayview that I was 229 days delinquent on my mortgage and the amount due to bring my loan current is {$16000.00}. I disputed the delinquency amount and I found out that they have my account in suspense. I contacted my lawyer who then wrote to Bayview to remove my account from suspense and credit my payment accordingly, but Bayview did not do that correctly. On the Post-Petition Ledger from Bayview Transaction date, XXXX/XXXX/XXXX amount received {$11000.00} this payment was not applied correctly. I also told them that if I had missed a payment while I was in bankruptcy, they were by law supposed to call the bankruptcy court as well as my attorney to report me and that they were in violation of the bankruptcy code. Since then, I have been trying to deal with them. They sent me an application to apply for a loan modification, making home affordable to avoid foreclosure. I accepted the offer and I applied for a modification. I submitted all the necessary documents as requested. Three months later Bayview denied the modification stating a Negative NPV- that the owner of my loan did not approve a modification. They gave me alternatives to pre-foreclosure or Deed-in-Lien. Bayview tactics are unethical and illegal, they are making it very difficult for me so that they will foreclose on my house and make money.This company is just awful, does not record all payments, even though the checks were cashed and I have proof from my bank Attached are my correspondence to Bayview and the Post-Petition Ledger from Bayview showing all my payments.This company is just awful, Bad COMPANY TO DO BUSINESS WITH. A lot of negative complaints about this company, they have destroyed a lot of families. See attached compliant. https : //www.consumeraffairs.com/finance/bayview-loan-servicing.html? page=2
04/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 191XX
 Web
Mother passed away in XXXX. She had a house with a mortgage from XXXX. There was a will, I, her only child was to inherit the house ( and mortgage ). I began making payments. No lapse. Then, about 5 years ago the loan was sold to Bayview Loan Servicing LLC. To clarify, I do not live in the house my Uncle does. Since my moms death, all mortgage correspondence came to my home address where I now reside. After the loan was sold, I noticed my name dropped off the bill and when I called to see why I was informed that I appear nowhere and they cant give me any info on the loan. Over three years, I submitted copies of the Will, the Short Certificate of Death and the estate information. It doesn't take. In XXXX they sent an oddly addressed letter to my moms house ( never did that before ) demanding officially for information. I yet again submitted the documents in XXXX. Now, another letter has come to my moms house stating that the documents were insufficient and the foreclosure process will begin. I called today ( XX/XX/XXXX ) and after 45 minutes no one could tell me WHAT OTHER documents they required and could not answer my question. Instead I was told to write a letter in dispute that would then be reviewed by their legal dept and THEN they could let me know what more is needed. Ha. Will I have my house by then? Important to note : I pay extra on my mortgage every month which went to principal ... since XXXX took over, the are holding my extra money in a " suspense '' account! Of course, they can't do anything to change that because I'm not on the loan. This mortgage has a balance of about {$6000.00}. Also, discovered my mom 's deed is not in my name despite the estate set up and Will. I am on that and getting a lawyer to complete the transfer as I write this. I just feel like this company is really trying everything they can to get my childhood home! It's been absolutely unbelievable to deal with. Very shady practices indeed!
08/30/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 94546
 Web Servicemember
In XX/XX/XXXX we subdivided the property creating two new properties with two new pan numb rd, different addresses, ... ... the deed was recorded for the new properties in XX/XX/XXXX. In XX/XX/XXXXmy loan was sold and that 's when the trouble started. Currently at the recorders office this bank has sold a XXXX loan to two different banks and I have a loan with them for XXXX. So anyone looking at my properties- it shows that I have somehow three different loans, on different properties. ... ... ..the XXXX XXXX XXXX has a loan of XXXX ... ... .The XXXX XXXX XXXX which is newly created parcel suddenly has two loans agains it from a different mortgager ... ... XXXX and XXXX XXXX XXXX for XXXX ... ... XXXX so somewhere these people that are selling my original loan are other stole XXXX ... ... ..or I just do not understand how come from only one loan that covered one property for XXXX now it looks like I owe XXXX XXXX dollars ... ... .so this bayview mortgage sold my loan to XXXX and XXXX XXXX XXXX ... ... ... so one address has bayview on it ... ... .and the other address has XXXX and XXXX XXXX XXXX on it ... ... ..different loans ... ... and I do n't know how to clear all these recordings that are being done against my two properties. I tried speaking with bayview and they finally sent me a letter last month saying ... oh your loan has been sold in XX/XX/XXXX... .. and they had 30 days to do it ... ... but never did it until this year ... ... ... they were aware when buying the loan from XXXX in XX/XX/XXXX that the property was subdivided and they were purchasing XXXX XXXX XXXX ... ... .and suddenly they went and recorded papers for a loan against my new property for XXXX when that money never exchanged hands ... ... ..so I need help ... ... ... ... .I am not getting any help from the bank ... ... ..I have been trying since XX/XX/XXXX to fix this ... ..than last year I paid an attorney and they took my money and never did anything ....
05/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85249
 Web Servicemember
On XX/XX/XXXX , Bay view Loan Servicing ha d us start making three trial modification payments. On XX/XX/XXXX , we st arted making three trial modification payments and finished on XX/XX/XXXX , we made our final modification payment. Starting XX/XX/XXXX , I checked the porch daily for a permanent modification package fr om Bayview Loan Servicing. Fr om XX/XX/XXXX until the beginning o f XX/XX/XXXX , for over 200 days I have checked my front porch for a corrected conversi on permanent modification packet that has never come. At the beginnin g of XX/XX/XXXX after checking the porch for over 220 days almost a year for the conversion packag e the permanent modification package there was nothing there on the porch. I calle d Bayview Loan s ervicing the beginning of XX/XX/XXXX and a sked about the package as I had done multiple times before over the 220 day time frame and I was told by Bayview Representative that nothing had gone out. For over 220 days I did n't leave my home for any situation that required more than an over night stay even during my husband XXXX XXXX , XXXX and hospital stay I would leave the hospital to check my front porch for the conversion permanent modification package Bayview Loan Servicing, my asset manager XXXX XXXX stated was coming on multiple occasions. In the beginning o f XX/XX/XXXX , I had a family emergency I had to leave my home to go out of state, the family emergency resulted in XXXX and the XXXX was this pass weekend ; however , Bayview Loan Servcing s tarted foreclosure on my home for missing payments they told me not to mak e. Bayview Loan Servicing is dual tracking my home. Although Bayview Loan Servicing had told me to stop making payments in XX/XX/XXXX , I made trial modifications payments from XX/XX/XXXX until XX/XX/XXXX for ten month s and never received the correct conversion permanent modification pack age Bayview Loan Servicing sta ted.
03/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30741
 Web
We started a loan modification XX/XX/XXXX. The person helping us is XXXX XXXX from Bayview which I think is a collection agency. First, I have submitted the documents 3 times and have been given 3 different reasons why My documents have not been reviewed and I missed the deadline and had to resubmit. I was never called about missing documents and every time I called XXXX XXXX he would say they were working on it and call back in a week. He also told me I had to be 4 months behind before I could apply which I was not comfortable with. Another collector called me in XX/XX/XXXX asking for a payment and I made a payment. Me XXXX said since I made a payment I had to wait another month which meant a total resubmit of all documents. I told him I was in fear of losing my Home he assured me that would not happen. I wanted to just forget about the modification and ask him how I could catch up. He told me I had to pay {$4500.00} them {$1800.00} a month which is approx {$500.00} more than my payment. I was stuck I had no choice but to resubmit for the 3rd time. I didnt have {$4500.00}. Them today I received a secure email from XXXX XXXX but it was meant for another person with MY documents attached. I can forward this email to you. This may be why I have never received any email, text or phone call that I had missing documents. He has already shared personal financial information to me from another person, I dont feel secure with him or this Company but if I stop now my Home will go into forclosure. I have contacted XXXX XXXX with XXXX and she has submitted my documents for the third time but now because of XXXX XXXX and Bayview I am 4 months in arrears and could lose my home. I feel like he is purposely doing this to get my home because I ha e equity in it or he just does not k ow how to do his job. I am very concerned about losing my Home because of these issues caused by XXXX XXXX. All calls are Recorded so this can all be verified
12/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 082XX
 Web
I, XXXX XXXX hereby claim that an upcoming foreclosure against my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is illegal based on the merits of a recent decision known as XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX from the Superior Court of New Jersey Appellate Division, Docket No. XXXX. This decision is extraordinary on its own merits as it restricts foreclosures in the state of New Jersey if there is not evidence proving that the note and the mortgage are held by the same entity. As Judge XXXX XXXX XXXX XXXX said pertaining to previous decisions : It is difficult to imagine circumstances where one would want to hold a mortgage, without having the right to act on the underlying debt. By the same token, there is no technical reason why the interests could not be separated in one way or another. To simplify, the current mortgage servicing company Bayview Loan Servicing, nor the mortgage assignee The XXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX, as Trustee for the Benefit of the certificate holders of XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX v. XXXX XXXX XXXX, et al, Docket No. XXXX. The original mortgage was procured with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, recorded XX/XX/XXXX, and assigned to current mortgage holder by XXXX XXXX XXXX XXXX , XXXX, as nominee for XXXX XXXX, XXXX. by electronic signature XXXX XXXX, Sr. Vice President on XX/XX/XXXX. The law firm doing the foreclosure, XXXX, XXXX XXXX XXXX, XXXX. File # XXXX has no official capacity at this point to move forward with a scheduled foreclosure date XX/XX/XXXX until this proof of all documentation is completed. The Federal Deposit Insurance Corporation has been notified of my claim as well as the New Jersey Division of Consumer Affairs. The foreclosure on my home will be illegal and should be ceased immediately until all proof has been established on rights to foreclose.
07/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 23320
 Web Servicemember
XXXX I applied for my first mortgage with XXXX and this was my now ex wifes second mortgage due to her bad mortgage decision for the townhouse in XXXX and multiple debts. The mortgage was about XXXX plus I had to get a loan from my bank for an extra XXXX for the extra debts, etc. We separated XXXX, divorce final XXXX. In the decree the judge said that she had until XXXX to refinance or sell the townhome. She was not allowed to extend any more further debt or new debts in my name. And was solely responsible for any and all responsibility for the property and she had to show me the property note and once she proved that it was clear, I would be released from the deed. By XXXX, she drove 2 hours to a different XXXX and had a loan modification approved, extension of terms from 30 years to 44 years, was given a advance in the amount of {$25000.00} that is now a deferred balloon payment. She 's also filed and forged my signature on tax returns to claim the mortgage interest that was in my name alone without my permission or knowledge plus used my information to receive tax information for loan modification and hardship application just recently as last month. I have not received any information on the application or the fact that it was done and done against a permanent court order. I have no idea what information was used in approve the request for modification and I never signed anything. Plus she 's not paid escrow, property insurance, nor real estate taxes. I was garnished up until XXXX then the 3rd mortgage lender paid her debt of almost 9,000. She also fraudulently filed a claim for hurricane damages citing 4 months of damage and hardships. Her property was barely touched and the mortgage company released XXXX to her for the claim for damages. On top of that, she 's had a note loan on the property that she keeps getting refinanced. This last refinance was for XXXX, before that XXXX and before that XXXX.
10/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 225XX
 Web
In XXXX of this year I called Bayview Loan Services and ask why, when I call to make my mortg payment, they keep stating that I am a month behind on my payments. Then they started sending me threatening letters to take my house if I don't pay the late month due. I did my research just to prove that I was not the crazy one here - then called Bayview and ask them to send me proof that I was behind and when it started. They sent me the info and if the person that printed it out had bothered to read it they would have seen that they were proving my case and not theirs. Nothing was late! So I called them back and spoke with XXXX and she looked into it and got it all straightened out. And even told me I had a credit on the books that I ended up using toward the next months mortg pymt. Then in XXXX of this year I noticed my credit score had taken a deep plunge because Bayview had reported me 30 days late on my mortg. I contacted XXXX XXXX and they investigated the issue and BAM! - my score increased by 60 points because Bayview had once again acknowledged their mistake. Now, I have started getting late notices again and letters threatening to take my house. HERE WE GO AGAIN!!!!!!!! Again I called and spoke to XXXX and she acted like she was clueless. I ask if they take notes on previous issues! Why do I have to go over this again! She said I missed XXXX of 2017s pymt. Well - that was the month they took out an extra {$500.00} from my account. Yes - for a reason they have yet to explain, they took from my bank account an extra {$500.00}. Made some considerable hardship for me but they didn't care. Took me over a month to get the money back. How can a financial institution be so inept at keeping their records straight. They have not gotten back in touch with me after this last threat. Why are they allowed to conduct business like this and make so many mistakes and threaten constantly to take my house.
11/02/2016 Yes
  • Mortgage
  • Other mortgage
  • Credit decision / Underwriting
  • WA
  • 98036
 Web
My loan was modified back in XXXX. However shortly after the modification and for over 2 years after it happened, they reported me late XXXX payments. I proved that I had n't missed the payments. However, they did n't correct the situation. Back in XXXX XXXX, I finally got someone that was able to help and clear the past dues and promised me to clear my credit history with the credit bureaus. My credit is still wrong after 8 months and now as of the load statement of XXXX XXXX, I now have another past due balance for {$1800.00}. I asked Bayview to send me what they sent the credit bureaus to correct my credit and also to receive a letter where they tell me when they will be giving me an answer and hopefully a correction for the fees that are showing on my statement. They sent me one saying that they will be giving me an answer by XXXX XXXX. I have not received anything else. So I called today and spoke to XXXX, who is giving me the same answer as XXXX did a month ago, " let me look into it ''. XXXX said he would call me in 2 days to give me more information, which is again what XXXX said. He also said, the fees are fees I owe for attorney and appraisal fees, and he doubt I was going to get the waived and that they were just in a different place on the account and that is why I had n't seen them. I asked him to provide proof that they disclosed these fees as of a truth of lending disclosure or anything in writing that they provided to disclosed those fees during the modification. I also mentioned, they told me that all fees were rolled into the load. basically, all fees they were reporting me owning before the modification, they put them as part of the loan and now after over 3 years they are charging them as past due. please Help, I am so XXXX out about this, and with the inability of having my credit fixed for the last 3 years, I am still unable to do anything with any other creditor.
03/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80228
 Web
Since XX/XX/XXXX Mrs. XXXX XXXX me wife and my son XXXX XXXX XXXX XXXX XXXX mother passed away. My son has has been making the payments on the property while I was gone. Since XX/XX/XXXX I have contacted Bayview and told them that the way the property is titled and since there is a Joint Tenancy filed with the local county and copies have been sent as well as copies of the will these people do nothing but talk about Probate the case. This does not have to be done. Since XXXX oaf Last year my son suffered a XXXX and also find out that he was a XXXX XXXX XXXX now on XXXX XXXX and I believe that the XXXX Bayview with the stress has caused us that they are the ones responsible for my son 's health problem. For my own purpose I am enclosing XXXX County Court Documents that show on XX/XX/XXXX I am a Joint tenant of the property and the property needs no probate. Also on XX/XX/XXXX My son XXXX XXXX XXXX XXXX and my wife XXXX XXXX XXXX are joint tenants. This XXXX about probate and there lawyers since they lose cases in court all the time are idiots. I did talk with a nice lady at Bayview by the name of XXXX XXXX and she was looking into this. Also on XX/XX/XXXX I spoke to a Lady Named XXXX ID Badge XXXX and of that day was sending out papers. To this day XX/XX/XXXX I have gotten nothing more stories. Since Bayview does not follow Federal Law in offering Loan modification and I am sure that this matter should be resolved in 24 hours they will drag their feet. I have seveal offers from attorney to sue them that I have talked with but not retained. This company is a front for illegal activity and since I was a big supporter of President Trump I talked with someone on his campaign staff and made them aware and when he gets the time maybe he needs to investigate this company. All I want to do is have the ownership by law that I have and get help with getting this resolved. Thank you for your time.
02/22/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Credit decision / Underwriting
  • NM
  • 87112
 Web
Due to XXXX, XXXX & loss of jobs we could not make our house payment. We had a loan with XXXX and a XXXX loan with XXXX XXXX ( {$25000.00} ). We talked to our realtor who said to do a shortsale. She listed in XX/XX/XXXX at {$85000.00} ( XXXX shortsales in the neighborhood ). We received {$120000.00} which the buyer agreed to. She waited a month then terminated because she found another house that was not in shortsale. The house went back on the market and we received an offer XX/XX/XXXX for {$120000.00}. On XXXX XXXX notified us that the servicing of our loan was being transferred to Bayview Loan Servicing LLC on XX/XX/XXXX. But then moved it back further to XXXX. So we could not do anything during that time. Since we have been working with Bayview we had XXXX different negotiators in 5 months. We have had a qualified buyer since XXXX who still wants the house. Bayview has had an investor who still to this day has not said yes or no to the loan ( XX/XX/XXXX ). This company has called and harassed us and more important has called and harassed our parents who have nothing to do with our loan. If they needed paperwork XXXX has everything they need. She has been working on this offer for 8 months along with our Realtor. XXXX had been calling our Realtor each week to make sure the house was in pending and still going through. On XXXX our Realtor went to check on the house and found a flyer on the window from XXXX saying they were going to board the house up and change the locks. Our Realtors sign was out front in plain sight and had a sign saying " contract pending '' along with a lockbox for agents to get in. She went to XXXX and tried to find out what was going on. She did have a loan officer call someone to notify them the house was in pending. Bottom line is we have had a qualified buyer for over 5 months and the offer is being sat on! They could have their money and we could sell the house.
12/29/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CO
  • 809XX
 Web
On XXXX XXXX, XXXX Bayview Loan Servicing LLC ( BV ) took over servicing of our mortgage from XXXX XXXX. On that date an escrow account balance of {$560.00} was transferred to Bayview. An Annual Escrow Account Disclosure Statement BV sent dated XXXX XXXX, XXXX had sections listing Escrow Disbursements and Projected Escrow Activity, but the Account History section is blank, thus failing to provide us with necessary information on all escrow activities from XXXX XXXX to XXXX XXXX. A statement dated XXXX XXXX, XXXX is missing account history from XXXX to XXXX XXXX. These XXXX misrepresentations are in violation of RESPA. When I called BV requesting the missing escrow account history they said I would have to write a letter to BV Customer Service Department. Sent a letter dated XXXX XXXX, XXXX. We received a response dated XXXX XXXX, XXXX ( mailed XXXX/XXXX/XXXX ) from a XXXX XXXX, Case Manager in the Customer Service Department at BV. It stated that she " enclosed a copy of the all escrow account disclosure statements conducted Bayview for your review. '' ( The poor sentence structure is hers, not mine ) and, " Enclosed is a copy of the Account Activity Statements as it provides a detailed accounting of all transactions and their effective due dates for your review. '' What she sent was a copy of the statements that we already have. There was no acknowledgement of our actual request. So they have still neglected to provide an accounting required by law for the period from XXXX XXXX to XXXX XXXX. Their response indicates that they do n't intend to. I called BV again and asked for XXXX XXXX. They would not connect me to her and would not agree to send the required information. The person I spoke with said he ca n't get it, but he did n't make any attempt to do so. The records we have for our mortgage loan are still incomplete and we are unable to view the records of how BV handled our escrow.
12/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95648
 Web
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2018. I applied for a loan modification to Bayview Loan Servicing numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social it rings couple of times and then I get nowhere. Seems like when I put in my information the phone system recognizes my information and does not connect me to anyone. This has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. After speaking to the employee she did not give me any information regarding my loan and said that only one person could talk to me but I can never get a hold of that person. Also asked for a supervisor and was on hold for over 40 min and never got one. Bayview is playing dirty games for me to not resolve my issue and get an update on my loan modification. Im being thrown around the phone system and no one can speak with me. Is this a game they play to hold off so long until its too late to speak to someone and then they sell my home? I have done everything needed to do and i have sent them all documents. If Im not mistaken Bayview Loan Servicing is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
04/18/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • CA
  • XXXXX
 Web
This is either from a payday loan or a credit card debt that I failed to pay. On Thursday, XXXX XXXX, 2015 before XXXX XXXX Pacific time, the landline of the residence where I rent a room ( as I have a personal mobile phone and I was already off to work ), called on the landline and left a message looking for me and saying that a case was going to be filed against me in the XXXX XXXX XXXX Court since the city I reside at, XXXX, CA, is in XXXX XXXX. The caller also said for me to return their call at XXXX extension XXXX with a case number XXXX. In any case, I really feel that the caller should have said they were debt collectors which they did not and I really felt scared and intimidated by what they said they were going to do. I would really prefer the collection agency or the original creditor, whoever I owe to, to mail me a letter saying how much I owe. Right now, I have several debts, mostly to payday loans, XXXX made in person at payday loan places and the rest on line. As well as to credit card companies. Most of them have sent me letters, or the collection agencies acting on their behalf have, and since I can only pay so much, I do pay what I can on paydays and am not trying to dispute the amounts nor run away from my obligations. I for XXXX am trying to avoid bankruptcy and I really wish all those I owe money to will allow me to do partial payments till fully paid. As for this caller who left me that number to call, I really would like their attention called and I will pay what is due but only after their attention is called. I really would like them to just send me a letter and I also wish that when they send me anything in writing, nothing threatening like suing me in court. There is no need to even mention that. And yes they called before XXXX XXXX Pacific time though the jist of this complaint is their saying that a case will be filed against me in court. That is phone bullying.
10/28/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 934XX
 Web
In XXXX my husband lost his job as a XXXX. All of the work in our area came to a complete hualt. He did n't work for 2yrs in between that time we had a passing away of his mother which we ended up having to pay for the funeral. Our loan was originally with XXXX then was sold to XXXX XXXX XXXX. So for the past 4yrs we had retained attorneys to help save our home since we were not able to make the monthly mortgage payment since we only received XXXX income. My husband was not able to receive unemployment. So I did several hardships adjust my XXXX at work to retain attorneys to help us get a loan modification which at {$40000.00} later we never received even though our house was only coming in at {$230000.00} but we owe on the first {$400000.00} and on the second {$130000.00}. which XXXX XXXX XXXX would not take into consideration. So now in XXXX they gave us a loan modification with a payment of {$1800.00} per but never forgave any of the balance at all even though the value coming in at the time was only {$280000.00} to XXXX. What really blows my mind is how they can structure a deal with putting a ballon payment on our note of {$35000.00} and not even extending the term they kept it at the XXXX since that was the original loan. So now my husband due to all of the stress from the loan modification has had some medical issues that have to do with his XXXX. so we have been running one month behind and on top of that we still have a second that wants there money and we have no way of paying them. We ended up having to file a bk in XXXX and we have been married for XXXX and have never have any problems paying our bills in the past. What 's really bad is we paid all of that money to the attorneys and never received the loan modification that we should have received. More than once we received letters stating we were approved then two weeks later we are denied. Its been insane to say the least.
12/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 335XX
 Web
Mortgage company is inaccurately reporting late payments during forbearance/modification process My mortgage was sold to a different company while I was on a covid forbearance plan. The new company immediately reported the loan as over 180 days past due. They admitted it was a mistake and said they did it to a bunch of clients by accident. However, its not been fixed. In fact it was reported a second time and has taken my score from an XXXX to a XXXX. I was planning to buy my daughter a car for her bday in 2 weeks and now I cant. I have disputed it but it is still processing. Timeline : First notification of negative reporting received XXXX XXXX. They told me it would be fixed and that it had happened to a bunch of their customers. XX/XX/XXXX I called back because it was still not fixed. They said it had been fixed on the XXXX ( the day before ) but then said they send the batches of corrections on fridays, so it would be updated by XX/XX/XXXX. On XX/XX/XXXX, I received a notification that it was reported late again and my score dropped even lower and it still remains showing late on all 3 credit reports. I called again today, XX/XX/XXXX, and spoke to XXXX XXXX, he again said they fixed it on the XXXX but didnt know why it was reported late still. He tried to help but didnt really have any answers. He escalated the issue and requested an email be sent to me stating it was a reporting error but that the email could take 30 days to receive. They have destroyed my credit so badly that I cant do anything. I had excellent credit and no late payments before. It has also done the same thing to my husbands credit since this is a joint mortgage account. I asked this question on XXXX and an attorney said it would be a good class action lawsuit. I just want my credit fixed they have literally caused me to put a hold on all my financial plans. The company name is Community Loan Servicing, LLC
01/23/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 12550
 Web
XX/XX/2020 XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Loan number - XXXX Good morning, We're reaching out to you, unfortunately once again, in an effort to ask for your assistance with resolving our dealings with Bayview Loan Servicing. We have been actively and honestly engaged with them since XX/XX/XXXX and our situation has not progressed forward in the very least. This file is currently assigned to - XXXX XXXX XXXX XXXX and since the beginning of XXXX, we've tried to reach him 35 times, via phone, and 9 times directly via email. To date, he has returned a total of 4 of those calls. It's clear that, either XXXX is unfit for the position that he currently holds or Bayview is intentionally delaying this process. As you can see by the notes that we've taken, their stories have gone from - 'you didn't meet the 37 day prior to sale submission requirement ' to 'we 're going to review this as an Exception and review you for a Streamlined Modification ' to 'we need you to resubmit ALL documentation again ' ( Streamline Modifications require minimal documentation ) to the most recent request - 'we now need updated financial information. ' We're asking you to step in and demand an explanation as to why this has been going on for so long, as well as, we're also asking Bayview to re-evaluate Mr . XXXX ' abilitiy to perform the job that he's been tasked with. If this is happening with us, most assuredly, it's happening to dozens of other homeowners. We would also like this file to be escalated at Bayview and reassigned to a more competent point of contact. If Bayview doesn't reevaluate Mr. XXXX and his ability to perform at the highest level, it would be a further indictment as to the quality of service that they're dedicated to providing Homeowners. I'm available to answer any questions for you at the following number. Thank you for your assistance with this! XXXX XXXX XXXX
10/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95648
 Web
Hi, I have a very urgent matter due to a foreclosure sale on XX/XX/2018. I applied for a loan modification to Bayview Loan Servicing numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social it rings couple of times and then I get nowhere. Seems like when I put in my information the phone system recognizes my information and does not connect me to anyone. This has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. After speaking to the employee she did not give me any information regarding my loan and said that only one person could talk to me but I can never get a hold of that person. Also asked for a supervisor and was on hold for over 40 min and never got one. Bayview is playing dirty games for me to not resolve my issue and get an update on my loan modification. Im being thrown around the phone system and no one can speak with me. Is this a game they play to hold off so long until its too late to speak to someone and then they sell my home? I have done everything needed to do and i have sent them all documents. If Im not mistaken Bayview Loan Servicing is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
02/25/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NV
  • 89436
 Web
There is something wrong with the modification done by Bayview Loan Servicing. The loan from Bayview was transferred to XXXX XX/XX/XXXX ( which is n't any better ) but I need to deal with one at a time. I want to refinance my home. My mortgage statements from XX/XX/XXXX - XX/XX/XXXX have a total amount due of $ XXXX. In XX/XX/XXXX I sent a request for explanation of what the XXXX is. XX/XX/XXXX, I received a letter giving the " Corporate Advance Breakdown ''. There are attorney 's fees, litigation fees, attorney title costs ( what is that ), XXXX atty cost, auction fees, MISC, really MISC, etc. I ca n't get anyone to answer me or call back to explain these descriptions AND if I were doing a modification, why would there be attorney fees or litigation fees? The modification process with this company was so painful and the worst experience. Obviously I needed help because I was asking for a modification and I am afraid they took advantage of my situation. I received a letter dated XX/XX/XXXX titled LOAN ADJUSTMENT AGREEMENT CORRECTION LETTER saying " Due to a clerical error the Deferment Amount of {$100000.00} has been adjusted to reflect the correct amount of {$92.00}, XXXX. As the corrections inure to your benefit and represent the intent of the original transaction, Bayview Loan Servicing , LLC has updated your account accordingly ''. BUT my XX/XX/XXXX XXXX statement is confusing and payment went up {$110.00} AND if looks like the {$9900.00} was was added to my XXXX mortgage. I am not a loan officer or mortgage expert so I do n't know what is happening. All I know is I need help and explanation to figure this out. Like I said, the modification process was a joke. I would get duplicate packets in the mail saying I was not approved after I had already signed and sent back paperwork and had a modification agreement. This happened twice. Please Please Please check this company.
08/11/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85737
 Web
On XXXX XXXX, XXXX my wife and I filed for bankruptcy under chapter XXXX. At that time our loan was held by XXXX XXXX XXXX. Starting XXXX XXXX and through the duration of the bankruptcy, all payments were made via the XXXX XXXX. A discharge under 11 U.S.C. 1141 ( d ) ( 5 ) is granted to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX By the court : XXXX XXXX XXXX United States Bankruptcy Judge. In XXXX, XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing. In XXXX Bayview began calling my residence and claiming my payments, which were being made under supervision of the XXXX XXXX, were late. I contacted Bayview and was told that while all my payments to Bayview had been on time, XXXX XXXX XXXX told them the loan was one month past due when it transferred. Each month I would contact Bayview, sometimes they corrected the account, but then it would revert back to past due the next month and the " robo-calls '' and harassing letters would start again, which was not allowed under the bankruptcy laws. My credit report currently shows XXXX instances of late payment on this mortgage during our bankruptcy, which is completely inaccurate. Despite numerous attempts on my behalf, including providing them with a full history of payments made since the bankruptcy filing, they refused to correct the problem. This continued even after the bankruptcy has been discharged, and so finally, in frustration, I sent them an extra payment and pleaded with them to re-open the investigation and clear my credit. I have disputed this via the credit reporting agencies now several times, and still they will not correct the issue, which is hurting my ability to re-establish a good credit score and hurting my family financially. For some reason, they also continue to send correspondence to my attorney, even though the bankruptcy has been discharged and I have requested this change several times.
06/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08822
 Web
During COVID I locked down for a while. I told Bayview Loan servicing my mortgage servicer in mid XXXX I was not letting the new back up buyer inspections and appraiser in the house until COVID was over. They were fine with it. Then COVID broke in NJ end of XXXX as Governor lifted many tasks to be able to close including real estate and I scheduled the appraisal and inspection in one day. This was early XXXX. Then we sent the HUD with updated docs and the previous loan package dates changes to Bayview to the attention of my loan Administrator in asset management in charge of my loan for our short sale. Bayview seems to be a middle man for the real investor and they move very slow. So to update Bayview and not wait for 3 weeks for the list to come by mail and say we received your documents and are reviewing them, I called my loan Admin and she had a voicemail set up that said we could not schedule a meeting for at least three days and to leave a message that was Monday XX/XX/XXXX and I left the message., Friday today her associate called me to tell me to call XXXX and so I did. So that means in order to speak to my loan admin in asset management I have to wait at least 9 days. To add to things we need a loan approval because there is a second lien lender in this process breathing down my throat for updates and an approval from bayview. I am concerned the extreme slowness of bayview that my utilities in this house will be on till end of XXXX and I will be forced to pay for additional lawn work as well which is $ XXXX monthly plus 1 weeding a month for {$250.00}. Unfortunately my credit cant handle the delays and I need this to be over so we can move on with our lives. The short sale by all practical means should close end of XXXX but because Bayview takes so long we are looking at end of XXXX or later and that's more added expense on me, expense I really don't need.
10/26/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
DENIAL OF HAMP MODFICATION BECAUSE OF FAKE MORTGAGE NOTE The purpose of this complaint is to request an explanation of the reason we were denied a HAMP Modification. The Master Servicer XXXX XXXX XXXX and Co-Servicer Bayview Loan Servicing have denied a Hamp Modification due to the fake note and fake mortgage documents the Master Servicer XXXX XXXX XXXX filed with the XXXX XXXX Recorders Office. On XXXX XXXX, 2016, I received Hamp Modification denial notice dated XXXX XXXX, 2016. On XXXX XXXX, 2016 notified XXXX XXXX in a Qualified Written Request and stated I had concerns regarding why we were denied for a HAMP MODFICATION and to please send Hamp Modification Program Guidelines, laws, rules and regulations why we did n't qualify. The denial contradicts paperwork received from the Master Servicer, XXXX XXXX XXXX. XXXX XXXX stated she would get us more information explaining the denial and why ; however, XXXX XXXX never did. XXXX XXXX asked me not to contact the Bayview Loan Servicing Hamp Escalations or the Consumer Financial Protection Bureau regarding this matter and to give her some time to respond. Although I asked for the denial of the Hamp Modification information on multiple occasions, Bayview Loan Servicing and XXXX XXXX failed to provide an answer to the QWR and respond to me. Therefore, I am now requesting the reason for denial of Hamp Modification again and as before requesting not just the reasons given on XXXX XXXX, 2016, because those reason contradicts paperwork received from the Master Servicer, XXXX XXXX XXXX. ( SEE EXHIBIT A ) On XXXX XXXX, 2016, we received paperwork we were denied for a Hamp Modification reason stated : " Minimum required reduction : We are unable to offer you a HAMP modification because in performing our underwriting of a potential modification we could not reduce your principal and interest payment by at least XXXX per cent. ''
08/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IN
  • 468XX
 Web
I was in the process of applying for a loan when I was told a mortgage company had a lien on my home. I had taken over my grandfather 's mortgage when he passed away in XXXX and paid the balance of the mortgage off at the end of the year of XXXX. The company I paid the balance of the mortgage off to was community loan servicing. I was unaware that community loan servicing had bought the previous company by the named Bayview loan servicing. Bayview is the one with a lien on the house in my grandfather 's name. I am the one who inherited my grandfather 's belongings along with his debt. I also hold power of attorney for him. I had contacted my estate attorney who helped with closing accounts and to get things transferred to my name. When my bank made me aware of the lien with Bayview. We both had a hard time getting ahold of someone due to my account being closed with the company community loan servicing. I was finally able to reach someone by emailing community loan servicing through their payoff request email I had used prior. I was then reached by a woman whose name I do not remember, and she gave me an email to send the document to, but first tried to tell me it was property tax issue without listening to my issue. I was offended but sent the tax warrant on XX/XX/XXXX of XXXX. It was told to me that it would take 30 days to get a response. I also have tried to reach out to the company numerous times with no response to the status. I only have a certain window of time to process the loan I am need of and they pull a hard credit check for this loan. I do not feel I would be able to have the same interest rate as I do now if I do not get help from the mortgage company. I have paid of the remaining balance and the Bayview account number is the same as the community loan service account number. The amount that the tax warrant shows is of XXXX dollars and dated in XXXX.
07/07/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 346XX
 Web Older American
I have a mortgage with Community Loan Servicing, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX. My loan number is XXXX. I have never had a late payment. On XX/XX/2021, I paid electronically the {$2600.00} monthly mortgage payment due XX/XX/2021. They e-mailed receipt of the payment, and it was deducted from my bank account. At that moment in time, we were even. Then on XX/XX/2021, I mailed a separate personal check for {$50000.00}, and wrote across the top of the check PRINCIPAL PAYMENT ONLY. I enclosed a two line letter which read Please apply this entire {$50000.00} to PRINCIPAL ONLY for account XXXX. Thank you! But that is not what ensued. Community took an interest-free loan of two months forward payments ( due this coming XX/XX/XXXX and XX/XX/XXXX ), indicated my next payment was not due until XX/XX/2021, and applied only {$44000.00} to my principal. I mentioned this to my wife who reminded me that this had happened several years ago when I tried to make an extra {$10000.00} payment to principal. I telephoned Community ( XXXX ), finally got to escalation, and talked to XXXX XXXX who said when a check is received and assigned to principal, the programming automatically deducts the next two months forward mortgage payments. She did not know why the glitch existed, but said she would rectify my account, and that in the future any payment I make to principal should be discussed with a live agent. I ask if this malfeasance should be tolerated. Ultimately, they are in accordance with the terms of the mortgage, and one can prepay principal, but only after they intentionally try to get away with something. As a consumer, I spent over an hour on the telephone trying to rectify my situation. Are they allowed to put me through all this to prepay principal? And how many of their other customers just let it slide and give them the interest-free two-month loan?
10/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • XXXXX
 Web Older American, Servicemember
It all started in XXXX when our home was over assessed and increased taxes, which raised our mortgage payment considerably to between {$3300.00} and {$3400.00} per month in XXXX. Due to this and other bills, our monthly income fell short and eventually we started falling behind in the mortgage, which XXXX XXXX ( the loan servicer at the time ) threatened us with foreclosure. So in XXXX we went to them to see if we could refinance and could not. They offered us a Loan Modification so we took that ; however, by the end of XXXX, we were still receiving foreclosure letters and I couldn't afford to lose the house when I was also taking care of my mother who was in her XXXX and XXXX so we filed for bankruptcy and included the house. This caused my check to be garnished for 5 years with a deduction of about {$1800.00} per pay period. So the mortgage continued to be paid by the Trustee of the Chapter XXXX bankruptcy. All arears were paid during that time and we have paid every month since this thing has ended. However, when the Loan Modification happened ( after paying 4 years on a 30 year fixed term at around 6.5 % ), our 30 year term turned in to a 44 year term when we had 26 years left, which is 18 years tacked on at 5 %. Now 4 years removed from the chapter XXXX, we tried to refinance but the {$50000.00} balloon that is tacked on to the end of this mortgage is a refinance problem. Instead of refinancing to lower our interest rate and monthly payment, the payment will be higher even with a lower interest rate. I did contact the loan servicer and asked if our interest rate could be lowered- they said no. I asked if we could refinance with them- they said no but did mention re-modification again but quickly said that they would not recommend it. The loan officer that we talked to when we called him about refinancing, suggested we contact you to see what could be done.
02/22/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 94551
 Web
My loan used to be with XXXX. I really like being able to pay in the branch & know my payment was correctly processed. The loan has Bayview Loan Servicing now for over 2 years. I make my payments online because on the auto-pay features states that if my payment fall on a holiday or weekend & is not process by the XXXX I can be subjected to a late fee. Every month I login & schedule a payment usually around the XXXX or XXXX avoiding weekend/hoildays. I noticed that my payment was n't withdrawn from my account as schedule. I call & they said that my payment cleared & to give it a few more days. I checked again the next day & it was shown late- with a late charge & additional fees. They said that it came back as a bad account number. I asked them what they show & the rep said that they do n't keep that info. I told them that its the same account that I always pay from & that I am never late. After over a 1/2 hour on the phone I was able to get the fees reverse & proceeded to make a payment thru then phone so I can be current. They do n't make it easy to pay them. You are not able to save your payment info & you ca n't see your info after a payment is scheduled to verify if the info is correct. If you make a payment after the XXXX, they charge you extra. You get calls saying your late starting on the XXXX of the month-everyday until the payment clears your account. They do n't even check to see if a payment is schedule. They call all hours of the day. Its the biggest monthly bill I have- I do n't need a daily reminder that it is due. legally I have until the XXXX to make my payment until I incur a late fee. I have great credit but I feel that I am treated like a some kind of low life because I qualified for a loan modification. I feel like I am in some kind of collections program & is subjected to harassments if they do n't pay my mortgage by the XXXX of every month.
04/21/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
AGAIN BACK ON XX/XX/XXXX MY WIFE THE MORTGAGE HOLDER PASSED AWAY. SINCE THAT TIME MY SON AND I HAVE BEEN TRYING TO GET THIS MATTER RESOLVED. LAST YEAR MY SON SUFFERED A XXXX AND FOUND OUT THAT HE WAS XXXX XXXX XXXX. THE PROPERTY IN TITLE SINCE IT IS A JOINT TENANCY THAT WAS FILED IN XXXX, XXXX THE PROPERTY IS NOW MINE AND MY SON 'S. THESE XXXX AT BAYVIEW LOAN SERVICING KEEP TALKING ABOUT PROBATE AND I HAVE ATTACHED A COLORADO LAW TO SHOW THEM THAT THEY MUST HAVE THE BIGGEST BUNCH OF XXXX AS ATTORNEYS WORKING FOR THEM. AS YOU CAN SEE THE PROPERTY PASSES TO ME AND MY SON WITH THE JOINT TENANCY. THERE IS NO NEED FOR PROBATE ACCORDING TO COLORADO LAW. ALL THESE XXXX AT BAYVIEW IS SAYING IT NEEDS TO BE PROBATE. XXXX XXXX. ALSO MY SON WHO LOST HIS JOB DUE TO THE XXXX WE GOT A LETTER STATING THAT THE PAYMENTS WERE SUSPENDED THROUGH XX/XX/XXXX. I THEN ASKED FOR THE PAYMENTS TO HAVE A 180 DAYS SUSPENSION TO THE NEW CARES ACT AND A XXXX XXXX FROM BAYVIEW STATED THAT DOES NOT APPLY. ANOTHER BREAKING THE LAW. SINCE XX/XX/XXXX XXXX XXXX HAS SENT AN EMAIL STATING THAT XXXX XXXX AUTHORIZATION TO SPEAK TO ME ABOUT THE LOAN BUT STATES THAT SHE CAN NOT OR BAYVIEW CAN NOT DUE ANYTHING. SINCE I FILED A COMPLAINT ON CONSUMER AFFAIRS I HAVE GOTTEN OVER 1500 HITS AND HAVE ATTORNEYS CALLING ME WANTING TO HELP ME AND XXXX IT TO BAYVIEW. THE PEOPLE AT XXXX XXXX XXXX AS WELL AS XXXX XXXX OF MONTANA WHO TOOK BAYVIEW FOR XXXX HAVE OFFERED OPINIONS AND OTHERS. ANOTHER COPY FROM A COLORADO LAW BOOK AND THE COPY OF THE TITLE SEARCH WHICH BAYVIEW DID IS ENCLOSED. I SUGGEST THAT THIS MATTER IS RESOLVED TO MY LIKING BY XX/XX/XXXX OR CIVIL AND CRIMINAL ACTIONS ON MY BEHALF WILL BE FILED BY ATTORNEYS THAT ARE WILLING TO REPRESENT ME FOR FREE. THIS XXXX HAS GONE ON LONG ENOUGH AND SINCE BAYVIEW IS TAKING FEDERAL MONEY MAYBE AGAIN THE FEDSD SHOULD SHUT IT DOWN. THANK YOU. XXXX XXXX XXXX.
11/08/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IL
  • 60107
 Web
On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; XXXX XXXX XXXX XXXX. ( Please see attached loan modification agreement from XXXX XXXX XXXX XXXX ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with XXXX XXXX XXXX I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to Bayview Mortgage Servicing ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX XXXX XXXXXXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of 6.5 % to 4.5 % thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either XXXX XXXX XXXX or Bayview loan servicing. I contacted XXXX XXXX servicing and Bayview loan servicing several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither XXXX loan servicing or Bayview loan servicing will give me any answers. They continue to tell me that they will look into the matter and get back to me a cdouple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..
12/06/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 34677
 Web
I applied for a loan modification with BayVIew Loan servicing. NO ONE reviewed the application with me and the assigned asset manager, was not responsive or helpful in explaining the process or what was needed. I sent in all forms and income that was requested. after what was about 2 month, a declination package was sent to me. I asked the asset manager why was it turned down and he said the DTI was 31 %. I said the paperwork you sent me said the DTI needed to be between 25-55 %. He had to put me on hold. Then he said that I could only afford a certain payment amount and that amount was not allowed. I told him the income was incorrect. He said I should have entered the correct income. I said I entered what it asked for and that no one reviewed with me. He said I needed to re apply or contact the Escalation Department. So I called the number to the Escalation Department that was listed on the decline letter and the answering message continually says the company is closed EVEN DURING BUSINESS HOURS. So I emailed them and received an email response showing the email was rejected and not read. I called the assigned asset manager back and he clearly said that the Escalation Department will not take your phone call. I asked why because they list a number. he said they just wont. He said to email them. I told him I did but the returned the email as unread. HE said that should work and not sure what else to tell me. I am very upset and frustrated. Companies should not be playing these shell games with consumers anymore. I called on XXXX and asked about making a payment and was told with the decision on the loan mod almost ready to be made, the suggested I not make the XXXX payment because that would help the modification look as if it was really needed. Now I am two months behind and cant reach the Escalation department and only have 30 days to do so
04/08/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • IL
  • 60018
 Web
I have been dealing with Bayview loan servicing for a year now, and its been a headache. I had always made my payments on time and I always tried to catch up if I ever fell behind, but there is are situations that you have no control of. Before my loan getting sold to Bayview I had XXXX mortgage, they informed me that I had an escrow shortage and they were informing me that it had gone up {$7000.00}. How is this possible? Due to this going up higher, my mortgage payment went up higher and and I was unable to make the payments. I was paying {$1000.00} for my mortgage payment and they brought my mortgage payment up to {$1700.00}. I was never behind on my mortgage payment, and the taxes and insurance were escrowed with my payment. How can I fall behind? With Bayview I applied for a modification and they denied me saying that the delinquency was high and with the calculations they made they said that I had equity, but I dont have equity my home is underwater. I asked for a BPO and they did it but the person that went to do the appraisal didnt take in consideration the damaged roof, floor and windows. It was not a professional appraisal, he said he was there just to take pictures. When I asked Bayview to send over information on the recent appraisal of my property, they have not sent anything and its been more than a month. I was told over the phone that I was not eligible for the XXXX XXXX XXXX which includes principle forgiveness because I have {$4000.00} worth of equity. This is not true. i owe almost {$290000.00}. Before the appraisal they did on my property that I still dont know information about, my home according to them was worth {$240000.00}. I paid for an independent BPO and my property estimated value without taking the work needed on it in consideration is {$210000.00}. I need help and they are not giving me information.
05/01/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 275XX
 Web
XXXX Applied for a {$20000.00} vehicle loan and between XX/XX/XXXX and XX/XX/XXXX I had to document and explain an negative credit on my credit report. XXXX-Reviewed credit report and found that my ex husband had completed and signed a loan modification on an existing mortgage. This loan modification was with a new vendor, new payment amount and new payment terms. I had not been notified or signed or agreed to this contract. XXXX I called the vendor and obtained the account number and requested documentation that was signed on the closing of this modification. I was told that there was a signature page with my signature and it had been notarized. I requested those documents because I had not signed any such documents. XXXX After 4 phone call attempts and a whole day wasted, I finally received those documents which I will attach to this complaint. After receiving the documents, I noticed that the signature page that was mentioned was not the signature page of the loan modification agreement. It was the signature page from my divorce property distribution order that happened almost 1 year earlier to the date of the modification. XXXX-I called the vendor and talked to multiple people trying to make them see that, that was not the appropriate signature page and that my signature never shows up on the contract. Which means I did not agree to that agreement and that they were missing the court order stating that any changes to the original mortgage was be modified to remove my name and be in my ex husbands name alone. The last conversation was ended with a lady going to investigate and call me back. Now 2 weeks later I have received no such call. So I sent a copy of these documents to my lawyer. XXXX Community Loan Services or Bayview Amount roughly {$95000.00} where the original mortgage was down to roughly {$84000.00}
11/28/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MS
  • 39213
 Web
I reached out to the company after the unexpected and XXXX XXXX of my daughter. I initially reached out to Bayview Loan Servicing to discuss my mortgage options. My home was was free and clear until I entered this relationship with Bayview. This was a cashout refinance but I did n't receive any proceeds. No money was ever disburse to me and according to my Settlement Statement I should have received monies. The loan type initially was suppose to be a fixed rate and $ XXXX. After, later discovering that the actually term was a ARM with an initial rate of 14 % and now the balance as of today is $ XXXX. I strongly believe I have been a victim of equity scheme and taken advantage of due to my age. When I questioned this and explain my inability to maintain this arrangement and to provide documentation on why the interest was high as it is. I feel like they are trying to force me out of my home without trying to assist me in understanding the terms of an agreement that I did n't authorize. They have refused to provide copies of the paperwork. I am in an active bankruptcy and they have ignore the letters as well as calls from my attorney. He has provided evidence that the sale of my property is in fact illegal according to him the proper publication duration has n't accord. But the representative from Bayview stated that the publication did occur for the duration as applicable by law. Despite several request for this documentation it has n't been supplied. I am an elderly lady with health issues this is the last thing I want to be going through at my age in my small community. I have ask desperately for help in saving my home. Calls have been unreturned, representatives have been far less than helpful this is the text book case of stealing, the companies practices is barbaric and sociopathic and no one seems to be concerned.
07/30/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 95116
 Web
For the last several years my loan service provider ( Bayview Home Loans ) for the XXXX has been lying about the fact that the XXXX on our mortgage 'agreed to a $ XXXX buyout ' on the loan if sold or short sale or DIL. All the while denying us an assistance whatsoever over the years saying 'we ca n't do anything but foreclose because your XXXX has not responded to the buyout request ' This is unacceptable, not even mentioning all the other tactics, but this one was the last straw. I found out when she let it slip out on one our our rare phone calls that " all we 've been waiting for is a {$200.00} bill you need to clear up because the XXXX signed off long ago ''. When I called her on it, she admitted it but did not stop the many foreclosure attempls on our home, which we fight off with skeleton Chapt. XXXX filings, in hope they will come clean before next sales date, but no, they continue to nothing other than try to sell the house at auctions. What can I do? Where'sre more than 3 years behind on our mortgage because of these and other tactics they have played on us over the years, but to know they lie to just to try to sell our home! No! Over the years they claim to have lost our essential paperwork at least 8 times, continued to put us on a merry-go-round of 'loan reviews ', which only serve to push us deeper into depth over the months of processing and no trial payment periods ... then use the fact that we are now 'too far behind, you now owe more than the guidelines require for help, .. we do n't have to help you ' But, this bold face lying about the XXXX not responding is beyond the normally terrible, anti-home owner service you normally see. On top of all this, the home was built 'Defective ' by XXXX XXXX ... and they do n't want to pay for repairs, so a class action lawsuit has been going on for four years.
06/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 625XX
 Web
XXXX and XXXX XXXX CFPB complaint against Community Loan Servicing formerly Bayview Loan Servicing Loan number ending in XXXX COVID forbearance was requested and granted in XX/XX/XXXX. XXXX of XXXX we were able to resume payments, but we were not able to pay the arrears. XXXX was laid off due to COVID and the 2nd forbearance was granted in XX/XX/XXXX. We believe the offer presented XX/XX/XXXX was not fair and did not meet the XXXXOVID relief guidelines. The letter stated forbearance would end soon. We were not given 30 days notice of the end of the forbearance. Letter attached A letter was dated XX/XX/XXXX stating forbearance would end XX/XX/XXXX. The letter was received until XX/XX/XXXX. A letter was dated XX/XX/XXXX showing our payoff balance and interest was being charged during the forbearance. A letter was dated XX/XX/XXXX stating forbearance ended XX/XX/XXXX and if we wanted to extend, we had to reply by XX/XX/XXXX. XXXX attached. A letter dated XX/XX/XXXX was a loan modification proposal. We believe this proposal is not fair. We are having difficulty contacting CLS. We were not given a dedicated agent to handle our mortgage issue. We worked with XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX. XXXX did speak to XXXX on XX/XX/XXXX @ XXXX XXXX and requested the forbearance continue. XXXX stated there were 700 days remaining on the forbearance. XXXX asked about the partial claim option and XXXX stated he did not know the anything about the COVID waterfall. XXXX XXXX, HUD certified housing counselor, was on the call. XXXX emailed the company and XXXX XX/XX/XXXX requesting they remain on forbearance. We have made mortgage payments in XX/XX/XXXX of {$620.00} and XXXX {$600.00}. We have less than {$8000.00} to pay off our mortgage. We are asking for fair repayment plan according to the COVID Relief guidelines.
09/13/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • PA
  • 19606
 Web
Bayview bought my mortgage from XXXX XXXX who probably bought it from XXXX XXXX, FHA, to a HAAMP agreement XXXX, and XXXX XXXX XXXX ( undisclosed servicer after multiple emails requesting who they're servicing for, finally informed me that the owner is XXXX XXXX and this is within days of their 4th postponed sheriff sale XX/XX/XXXX. Also informed by XXXX XXXX, in writing that, XXXX XXXX does not need to report to credit bureau. Bayview listed " closed/ transferred '' They refused to honor my HAAMP from Bayview , no record of payments, so many fees that were accessed after sale, XXXX has multiple different responses. XXXX XXXX said my taxes are {$1700.00} behind, requested my haamp agreement from Bayview ( even though they refused to honor it prior with a lady that tried to squeeze {$27000.00} to keep the haamp, 6 % interest, {$500.00} more a month, pay my own taxes. My house was sold, regardless under Bayview, according to XXXX XXXX at XXXX XXXX XXXX, and then it would be sold to them at XXXX XXXX who stated thet often the deed/ note. I received paperwork today from XXXX attorney, XXXX XXXX, trying to make me sign papers to cover their lack of any credit, fraudulent reporting, and inflated fees with no explanation, after sale, but sheriff sale for {$1700.00}. Sheriff department told me XXXX XXXX told then to serve me at my old address from 11 years ago, an apartment, that A TENANT, not landlord stated I moved out 6 months ago. XXXX is trying to cover the lost deed on my property and deceitfully cover a swapping festival of selling the loan to same company, different departments, that even XXXX County Courthouse recorder of deeds was shocked. No liens. Taxes paid. Bayview is fraudulent. XXXX XXXX is fraudulent. XXXX XXXX XXXX are documented lying on behalf of XXXX, XXXX ( XXXX immediately before ).
05/19/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
Problems Reaching Asset Manager, Problems with Lost Hamp Modification Packages sent to Bayview Loan Servicing. I have sent several qualified written request via emails regarding lost Hamp Modification Package Applications. ( See Exhibit I emails to Bayview Loan Servicing regarding reaching Asset Manager and Lost or misplaced Hamp Packages ). On Saturday XXXX XXXX, 2016, I emailed another " Hamp Modification Package Applications '' due to the XXXX 2016 and XXXX 2016 Hamp packages that were mailed were lost or misplaced ( Another Asset Manager indicated when the packages go to Florida, which was the prepaid envelope sent to me that sometimes they are misplaced or lost so she indicated for me to email the package to my Asset Manager XXXX XXXX. On XXXX XXXX, 2016, I received an automated response that my Asset Manager would contact me within 24 hours of her return on Monday. It is now XXXX hours and no response. Upon calling my Asset Manager XXXX XXXX, the message indicates, that on Wednesday she will be there until XXXX. and then she does n't return until Monday, XXXX XXXX, 2016. The problem I am facing is I have a XXXX husband and Bayview Loan Servicing has a foreclosure dated on our home, XXXX XXXX, 2016, this foreclosure has remained although we have sent in three previous Hamp packages. This package emailed will be the fourth package. Please have someone call me about cancelling the foreclosure sell date on my home until my HAMP modification package is processed. Thank you for your time and trouble. In addition, due to Bayview having all my phone numbers preprogramed to go to only to my Asset Manager XXXX XXXX, I have to go borrow a neighbors phone to follow the directive XXXX XXXX left on her voice mail today to not leave a message but to call customer service. You can reach me at ( XXXX ) XXXX.
09/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19802
 Web
This is the THIRD time I have complained about Bayview Loan Servicing. They refuse to cancel and eliminate my PMI. They claim they do not have to based on a late payment from XX/XX/XXXX. Though the payment was late, it does not usurp the Home Owners Protection Act of 1988 which states that once 78 % of the loan has been remitted, the servicer is obligated to eliminate the PMI on the loan. Bayview has refused three times, and continues to hold onto the late payment as their excuse. This despite the fact that they admitted back in XX/XX/XXXX that I had remitted in excess of 104 % of the loan. They provided their " sympathies '' but stated there was nothing they could do. My payments have been remitted on time and NOT within the grace period, I mean on the 1st of the month when the payment is due for the last four months and we are CURRENT on our loan, so Bayview is out of compliance of the law. Last month they sent me an email XX/XX/XXXX stating they had not yet received my payment for XXXX XX/XX/XXXX and that it was late. It wasn't DUE yet. They then sent another email to retract the first email. This company has issues, and to top it all off, they are changing their name, which concerns me even more, as I believe there has been impropriety involved with others and not just me, which is prompting the name change. I am complaining AGAIN because Bayview owes me money AND they are obligated to eliminate the PMI. I have been paying this mortgage for 15 years, and the PMI should have BEEN eliminated a while a go, however, they neglected to inform me of the process to remove it in a timely manner, and then refused to elminiate it due to a rule that does NOT apply to this loan. I am hoping someone will actually investigate and hold Bayview to account for their irresponsible and improprietous practices.
06/06/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 93955
 Web
I became XXXX in XXXX, XXXX, unable to make mortgage payments on time, and became late due to no income and XXXX. I started Bayview 's modification application process in XXXX, XXXX ( w/Bayview Finance after XXXX sold my account to them ). For the past XXXX months, I have tried to obtain a modification/HAMP modification, to no avail. On XXXX, XXXX, I was offered a modification with no changes, extending my loan to again 30 years and additional costs were added into the original loan. After requesting the reason for the HAMP denial from XXXX XXXX my act rep, he stated it was due to missing information. I submitted an appeal to Bayview 's HAMP escalation dept providing the documentation necessary to appeal. Last week I was told that they do not have the information necessary to approve again and to resubmit. XXXX, as advised by his manager, XXXX XXXX, they would submit just as soon as updated bank statements were provided. I 've done that, and am waiting. At the same time, I am receiving foreclosure notices from their foreclosure dept/company, XXXX XXXX. I 'm scared and need help. Ive done everything Bayview has requested ... more than once! I am also a XXXX veteran who was recently diagnosed with XXXX and have been XXXX for this illness and am in ongoing treatment for XXXX, suffer from XXXX XXXX, and several other XXXX illness. I do n't want to and ca n't lose my house!! PLEASE HELP because I 've done everything I can do in working this issue with my mortgage company on my own and now with the forclosure notice I received, I may be at risk now of being homeless. I am now receiving XXXX benefits from social security, am XXXX, and have Veterans benefits as well. I CAN afford my house and need to " fix '' the past late payments/fees ... and doing that through modification but Bayview is playing games!
11/08/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 398XX
 Web Older American
I am a victim of the " Hardest Hit '' in employment & mortgage during this economic downturn. My mortgage was originally with XXXX XXXX, refinanced through XXXX XXXX for a fixed interest rate, after XXXX failed, XXXX XXXX took over, and from XXXX XXXX until XXXX XXXX, it has been a constant battle to keep my home. I do not believe XXXX XXXX ever had the legal right to collect funds and harass me with foreclosure. In XXXX XXXX, XXXX XXXX trans- ferred my mortgage to Bayview Loan Servicing LLC . Florida. Bayview was to continue where XXXX XXXX left off and that was a newly approved Short Sale application. Well Bayview did not honor this plan and has cancelled the Short Sale process, did not offer an alternative plan to help me stay in my home, until I asked would they consider a modification, with the principle reduction offered by XXXX XXXX and sent them the information from XXXX XXXX website. Bayview sent me the documents to apply for a modification, but during the process I was asked for documents that was included in the package, that I mailed certified and while getting the information, I received a notice from XXXX stating they were handling a foreclosure on behalf of Bayview. So now, Bayview is saying they will not stop the fore- closure unless there is either an offer for a Short Sale, or an approved modification, and they are not honoring either one! There is a sale date of XXXX XXXX, XXXX! I thought it was a Federal rule that during appli- cation for an alternative work-out plan a foreclosure could not be pro- cessed. I filed a complaint with XXXX XXXX, but their agent is in agree- ment with Bayview , saying they should have an answer for me about the modification, but weeks have gone by and the foreclosure sale date is in thirty days. If you can help me with this matter, I appreciate it.
02/23/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • VA
  • 22407
 Web Servicemember
I am filing a complaint against Bayview Loan Servicing LLC concerning events leading up to, as well as following a short sale of my home in 2012. During that time there were other resources, programs, and help that was supposed to be made available to me - programs coming from the federal government, to include XXXX and CFPB guidance. However, at no time during my inquiries to Bayview did anyone discuss these programs and resources with me. As a result of the inability to reduce the interest rate and adjust the mortgage, I was forced to ultimately go through a short sale. Recently I have mailed them twice with a USPS registered return receipt. They have failed to correspond with me concerning those letters. In those letters I asked that they, as an act of goodwill, remove the negative reporting of my XXXX delinquencies from my credit report. I asked them to do this, as it has been almost four years since the short sale. As part of the justification for the short sale, I cited the need to find adequate and adaptable housing for my XXXX daughter. My current lease is over in 4 months, and the negative reporting is jeopardizing my ability to qualify for a home that meets my daughter 's needs. Again - they failed to notify me of programs that might have kept me from going through a short sale, and they also refused to adjust my interest rate on my mortgage. All I have asked for now is to take the negative rating off of my credit, and they have failed to even answer my requests. Furthermore - I have tried countless times to speak with a Bayview representative on the phone. Unfortunately, every time I call their system, it pushes my through several automated responses and ends up hanging up on me. Their phone system does not work for the consumer. I ask for your assistance in this matter. thank you
04/20/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30087
 Web
I have submitted XXXX written requests and made numerous phone calls to Bayview Loan Servicing to obtain a breakdown of the activity on my mortgage account. I am in chapter XXXX but I make the payments directly to Bayview each month. I have been told that it is not their policy to send monthly statements of account to CHXXXX clients. I do not understand this because before XXXX XXXX XXXX transferred my loan to Bayview, XXXX XXXX XXXX did send monthly statements. I have made XXXX of the 60 monthly payments required under my monthly plan. I am not in default. Bayview has also failed to send the XXXX mortgage interest statement required under IRS regulations. They offered to give me a figure over the phone but obviously this information must be reported in writing. As I am typing this, I just spoke with Bayview and they state that the XXXX will be faxed today or tomorrow. They also stated that because I have an attorney of record on my account. their policy is not to send me any information but to report it to my attorney instead. The problem is that my attorney states that Bayview has not sent them the requested information either. I have experienced problems with accounting errors on previous mortgage accounts and it is important that I know how my payments are being applied. I know that the law requires Bayview to provide me with a detail of how my payments are being applied as well as my escrow and principal balances. I believe that I am not the only client of Bayview who is not receiving information on their account. I am attaching a copy of the XXXX the letters mailed to Bayview in XX/XX/XXXX and XXXX XXXX the XXXX letter was also faxed. I would appreciate any assistance you can offer to facilite my receipt of the transaction activity and balances on my mortgage account. ThanksXXXX XXXX
04/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30518
 Web
Greetings! Due to a job loss last year, and struggling to find employment, I fell behind on my mortgage with XXXX, never getting more than two months in arreages. On the XXXX of XXXX, XXXX, I attempted to make a payment to XXXX via my XXXX XXXX account, only to receive a message that the payment was declined. I called XXXX and was informed that my loan was now being processed by BayView out of Florida. XXXX emailed me a copy of the Goodbye Letter, and gave me the phone number for Bayview. I called them and spoke to XXXX ( spelling..? ) who told me that my payments were still due at the same time, the interest rates had not changed, and that I had 60-days to make the first payment to them. I expressed my relief as I had also been without transportation since the previous XX/XX/XXXXand currently walk to work ( an hour to, and an hour from ) each day that I am scheduled and could put the funds on hand towards repairs on my vehicle. After the beginning of XX/XX/XXXX, I began receiving notices on my door from BayView, and then a letter stating that unless I paid $ 1700+ by the XX/XX/XXXX, they would foreclose on my home. I was baffled and in disbelief! BayView were assigned the mortgage the XX/XX/XXXX, and the letter from XXXX stated the 60-day window for initial payment. BayView has NOT honored that 60-day window, instead, cutting it down to thirty-days. ( ***Note : I have XXXX XXXX XXXX XXXX XXXX with XXXX ; Chase was well aware of this as it was in the refinance documents I had submitted to them in XX/XX/XXXX. At this time, I am a single mother, working part-time at XXXX XXXX - hours are seasonal at best - taking care of my youngest daughter who is enrolled in online public schooling. My financial resources are limited as I can not find other employment until my vehicle is repaired. *** )
05/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 961XX
 Web
I have been trying to get a loan modification for a year. Two separate and incorrect appraisals were performed which indicated my home was worth much more than it actually is worth. After disputing this over the course of several months, a correct appraisal was performed. I resent all the paperwork necessary for a loan modification and was told my application was being considered. That information was given to me on XX/XX/XXXX.by my assigned asset manager. I continued to try to make contact with the bank, leaving messages each time but never got a phone call back. Finally on XX/XX/XXXX I received a message that my primary contact was no longer with the company and I was given another contact. Again I had reached out but we kept playing " phone tag '' On XX/XX/XXXX I finally spoke to yet another representative assigned to my file. From the conversation, it sounded as though my file was lost or somehow unattended. but now the file would be " escalated ''. I received a letter from the bank requesting items that don't exist and have been trying to reach the new representative to try to clarify exactly what they need to move my application along. I have left 4 voicemails over the last couple of days. I left specific information on when I could be reached since we are in different time zones. As I am on the West Coast, I said I could not be available until XXXX PST./ XXXX EST. Instead he left a message at XXXX PST. I am really concerned this is their " strategy '' to avoid working on my file. They have made themselves almost completely unavailable to me. As I have a deadline of when I need to submit the remaining paperwork and documents I am very concerned that I can not reach anyone at the bank. From the outset, this bank has made mistakes on my file or have been obstructionist.
06/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 368XX
 Web Servicemember
Bayview loan servicing took over my mortgage i had with XXXX since XXXX. It has been nothing but misery since they took over. I was behind 4 payments but I have paid all of them and I have my bank statement to prove bayview took the money out of my checking account. They are saying i am {$3700.00} past due, my recent payment they told me to pay to get my loan current was {$1700.00} and I paid this on XX/XX/XXXX. Bayview is saying none of the payments have been paid even though I talked to them over the phone. And I don't appreciate them charging me to ( inspect ) my for {$11.00}. They left two notes on my door telling me to contact them after I made the first two payments. Which they are lying just to come to my home. I don't appreciate them saying I haven't made any payments when my checking account will show they took out all the payments that they required for me to get the loan current. They are not going to foreclose on my own by being deceitful and dishonest about not applying my payments to my mortgage account. The employees at bayview are very rude and unprofessional well this is how people who are trying to steal from you act like. From all the complaints I read about them on their better business bureau record. Bayview isn't going to get away with being deceitful trying to take away from my home. And they are falsely reporting on my credit files that I am 60-89 days past due and my last payment was back on XX/XX/XXXX. A bayview employee got an attitude with me when i told them i made the payments. Yes i am very angry and I have a right to be angry with bayview trying to steal from me and being down right deceitful. And sending someone to my home twice after I have paid payments and lying saying they have been trying to reach me even though I have talked with them.
09/21/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • XXXXX
 Web Older American
Please see XXXX which your office closed today. I did submit feedback and asked if that was enough or if I had to file an additional complaint. The email response to my feedback was simply that it would be added to my file so I am submitting an additional complaint. I am attaching a letter from XXXX XXXX that was sent to CFPB in XX/XX/XXXX 2016 when I enlisted your assistance in having my modification completed. This letter clearly shows that my payments were to be XXXX per month, no mention of escrowing taxes and insurance and no reason to do so as I was clearly paying my taxes and insurance on my own. Bayview accepted the transfer of my mortgage from XXXX and clearly accepted their terms. No correspondence was sent to me that they were changing the terms of the modification. Adding the " deferred amount of XXXX '' was not needed nor do I believe it to be legal as I clearly complied with the terms of the modification. Additionally this amount was never credited to my mortgage nor any payment to my mortgage or my homeowners or insurance. I am again requesting that this amount be taken off of my mortgage agreement and the information shared with XXXX XXXX who is currently managing my mortgage so that they can adjust their records I am also requesiting that this case not be closed simply because Bayview sends you a letter with their explanation that I was to include the taxes and insurance payment which gave them the right to access this amount to my mortgage, that is simply not true. I believe this amounts to predatory lending practices on a senior who was trying to obtain a mortgage modification. I am once again requesting your assistance with this company, a company that perhaps should be investigated as I 'm sure that I 'm not the only one that is having this problem.
12/15/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60643
 Web
My home mortgage was sold without warning by my local bank ( XXXX ), to a national mortgage loan service company, Bayview Loan Servicing LLC in XX/XX/2016. XX/XX/2016 I received notice from the XXXX XXXX 's office indicating that the taxes on my property had not been paid. My mortgage is calculated to include escrow for property taxes and home insurance. After numerous telephone calls, emails and postal mail, I have not gotten a response from Bayview and the taxes remain unpaid. It is the worst customer service I have ever experienced from any company in my lifetime. Each time I call, I get a different person who only gives their first name, and can not sufficiently answer any questions, nor even provide a supervisor 's name to answer any questions or achieve any resolution. I have received no response to my email or postal mail, both of which provided verification documentation of the unpaid taxes and the specific property parcels in question. It is unfair to pay a mortgage that is supposed to include enough to cover the property tax and insurance, only to have taxes go unpaid and accrue late fees. I feel that I must somehow find the money to pay the property taxes until this is resolved and then likely fight a new battle again to get the money back or have it deducted from future mortgage payments. I am current on my mortgage payments and have not been late. XXXX weeks ago I received an escrow analysis statement indicating that I needed to pay {$340.00} in order to account for a shortage. I mailed in a check for that amount on XX/XX/2016 and I have not received any acknowledgement of that payment. I believe this company is customer-unfriendly and unresponsive to questions or concerns. There is no acknowledgement email return, no call back and no response to postal mail.
08/11/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 142XX
 Web
My mortgage provider Bayview Loan Servicing. On XXXX XXXX, XXXX I made my payment of {$770.00} via their automated line. the payment was processed and withdrawn from my bank on XXXX XXXX, XXXX. In the beginning of XXXX Bayview stated that the payment was returned as a " not authorized debit ''. I was in contact with my bank and reviewed my bank statements and the money was withdrawn. I disputed it with the lending institution and was told i needed to provide bank statements as proof which I did. I have made four attempts to resolve this matter with Bayview. Each letter or call I make they request more information including several months of bank statements, requesting that I send proof directly from the Bank 's fax number as opposed to my private fax, all of which I have obliged. I went as far as getting detailed advance search from my bank detailing the payment being withdrawn, showing the ACH trace number proving that in fact Bayview did receive payment. The last call I made to my mortgage provider the customer service rep reviewed all the documentation and agreed they did receive payment and attempted to resolve my getting me over to the manager of the escalation department, the attempt was denied. The last denial of resolution letter I received now stated that the reason for the returned check is now due to a " closed account ''. I can assure you my checking account is not closed as i have made all of my current mortgage payments from that account. I have been in contact with my bank on several occasions assuring me that they have received payments. I am at a loss of words and am appalled that this situation has yet to be resolved after providing all the evidence that payment was remitted to BayviewLoan Services. This is affecting my credit report negatively as well.
12/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 474XX
 Web
I have case you look at they did not tell you the hole truth your case number XXXX they told you I was late on my taxes I was not I have son needs XXXX XXXX I had I lot of money going out I am XXXX to put in the spring I call the and ask them if I could have my taxes escrowed and if they would do that I would pay {$100.00} more my payments are and was XXXX a month so I pay XXXX a month they told me they would I found out late in the fall it was going up for sale and the hole time I had been paying XXXX more a month they are the one that did not pay until it went up sheriff sale I thought they had paid it when they had not they talk a bought hazard insurance they did that when I had insurance did it any way I could not afford both then I found out they are telling my payment is XXXX month no it is XXXX and that XXXX month is more then escrow and them calling they do not just call once a day 4-5 times a day on my cell phone alone they just gave you a lot of paper work and they do threaten me of foreclosure they keep say I late when I am not that XXXX dollar payment I sent three times that caught me up but every sense then the keep telling me I am payment late I am not they go back to the main contract when it is in there favor and that is it and I have not filed for bankruptcy and they keep tell everyone that I have I need help they are as crooked as they come they only tell you half storys only show you part of paper work and lie on what I say they told you I am recorded tell them you need to hear them I need help they have screwed me so bad I can not get a new loan and they are the one doing it I did not take loan with them I did not sign anything for them so why can they come in and change everything and I am paying escrow XXXX year where is that going please help
01/05/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
Back in XXXX of 2019 my mother passed away. Her name was the only name on the mortgage. Since that time I have been sending documents to Bayview loan servicing to get help and I get nothing. A copy of their latest letter is attached and since my mother has passed and my father has not been heard from over the past 3 years as you can see with the quick claim deed I am the last person which means I have the ownership. This latest letter from Bayview talks about probate and with the quick claim deed you do not need to have probate it just passes to the next living party which would make me the successor. Bayview which is nothing more than a front for a XXXX GROUP I believe that Mr XXXX needs to have this out investigated being in Florida and all of that. When you have a life estate it just passes from person to person that is alive. THESE XXXX keep playing games. I have talked with 3 attorney and a Federal Judge and they have told me that what I have done is more than enough even giving bayview a copy of my mothers will which leaves the property to me. I have been making the payment since last XXXX and I also suffered a XXXX and missed time at work being in the hospital and have fallen behind however I am trying to catch up and would appreciate some help from the XXXX AT BAYVIEW. All they do is ignore the legal documents that are sent and ask for the same XXXX. When you have a life estate you do not need probate but these XXXX AT BAYVIEW are to XXXX to know the law that is why I think it is a XXXX FRONT that they are taking the money and moving it out of the country. If they want the can sell the loan to another mortgage servicer thatis willing to resolve matters and not play games. I have attached documents, Get the XXXX uinvolved and shut these people down. Thank you
01/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • MN
  • 55016
 Web
XXXX and Bayview Loan Servicing have refused to provide my itemized and complete loan history on my current mortgage as required by the Real Estate Procedures Act 12 U.S.C 2605e as I have requested several times in writing and verbally. XXXX also called my insurance company ( XXXX XXXX ) and told them I no longer owned my home and returned the check to XXXX that XXXX XXXX paid for my condo insurance for the year. XXXX then placed " force placed '' insurance on my townhouse without my permission or consent. XXXX, to date, will not give the amount or itemization of the fees associated with there force placed coverage. The lender has scheduled XXXX separate sheriff sales while my loan was under modification review. In addition, never received 14 days notice of any of for any of the sale dates. In fact, the sale that was scheduled for XX/XX/XXXX was changed on XX/XX/XXXX and lender paperwork was not submitted until XX/XX/XXXX to postpone sale. The date was changed to XX/XX/XXXX. I received verbal knowledge of this through my HRA contact. Bayview also reported to the modification underwriters that I did not complete all the documents they requested. I did and I have proof. As a result, the underwriters denied ( apparently ) my modification. This denial was verbally told to my HRA contact and not provided in writing. As of this date ( XX/XX/XXXX ), I have a sale date of ( which is the third one ) for XXXX. The asset manager for Bayview has not responded in a timely matter during this process and often says he " has not received documents '' to his attorneys and underwriters, which his not true. I have proof of the email submissions with dates and times. I believe the lender has target my property for profit and have not followed the laws regarding my FHA backed loan.
07/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 531XX
 Web
I hope you can help me out. I 've been trying to with no avail for the last YEAR to sell a vacant lot that I have a mortgage on with Bay View.But I can not get a clear title from Bayview because of a mistake in the legal description. Bayview has been unresponsive to our request to straighten out this matter.The title company tried to work with Bayview and they would not respond to them. I 've tried numerous times to contact them and talk to them and no one would respond to me.So we hired a lawyer and he 's written numerous letters to Bayview and no one will respond to him either. Bayview is holding up the sale this property by their lack of communicating with us, let alone trying to fix the problem. We could really use some help here because everything we 've we have tried so far has not worked.

The problem is in the legal description of the property. I bought the property 12 years ago with a small cabin on XXXX Lots. Throughout the years we built a XXXX bedroom XXXX on XXXX of the lot and refinance a couple of times to do that.The original mortgage holder ( XXXX XXXX ) would copy and paste the original legal description for the property on all the new loan agreements, thats where the problem is. Even though we broke them up into XXXX separate parcels each with their own separate loan. I need to getclear title for the vacant lot so we can proceed with the sale and pay off that loan.But Bayview lack of response for OVER A YEAR is unacceptable.I also fell thy are breaking numerous banking laws by their lack of response and their unwillingness to help resolve this matter.

I 'm attaching copies of the letters that were sent to Bayview over the last year, which will help establish a time line and we also had numerous phone calls that led to nowhere!!!!

06/28/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34986
 Web
To whom it may concern, I would like to file a complaint again my mortgage company Bayview Loan Servicing LLC, for violation of The Real Estate Settlement Procedures Act ( RESPA ). I did a modification of my mortgage last year to a XXXX loan and was advised by the Bayview Representative that my Property Taxes and Homeowner Insurance would be paid from my Escrow going forward, I was advised by the Representative to provided Bayview with my Property Tax documents when I received them. In XXXX XXXX I mail Bayview Loan Servicing LLC a copy of my Property Tax documents and I also faxed the same information their office on XXXX XXXX, XXXX, as you can see from the attached documentation. In XXXX XXXX, I received a letter from my XXXX Tax Collector advising me that as of XXXX XXXX, XXXX, my taxes were not paid. I then contacted Bayview Customer Service to advise them that my property taxes were not paid. The Representative advised me to fax my information again to the Customer Service fax number, I faxed the information on XXXX XXXX, XXXX, as you can see from the attached documentation. I followed up with a call and was advised it would take XXXX to 60 days for my case to be resolved. I followed up again with a call on XXXX XXXX, XXXX, and was advised that my investigation would not be close until XXXX XXXX, XXXX. Ok, on XXXX XXXX, XXXX I called Customer Service to find out the resolution and was advised I would receive a letter from Bayview regarding my Property Taxes payment as of today I have not received a letter of resolution or any communicating from Bayview and my Property Taxes still is not paid as you can see from the attached and tax amount has increased from XXXX XXXX to current to a larger amount. Thank you for your time regarding this matter
09/14/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 20906
 Web
XXXX XXXX, 2017 Re ; Conveyance Modification for XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Good afternoon, We are submitting this complaint today, with the hopes that you will be able to assist us in resolving this matter with Bayview Loan Servicing. We have been working on a Conveyance Modification with Bayview for 3 years now. Over the course of that time, Bayview has repeatedly and intentionally caused the valid dates on documents to laps on file and closed our file - claiming that they never received said documentation. For nearly the last year we have been working with a single-point-of-contact by the name of XXXX XXXX. She has personally been responsible for this deception and her overall handling of our file has been incredibly distasteful and discomforting. Her continued discontent and condescension has made this an absolute nightmare. From what I have come to learn, many individuals, trying to modify their loan with Bayview, go through this same process - repeated and deliberate misinformation and requests to submit the same documentation over and over again and As of recent, Bayview has requested that we send them the SAME 'updated XXXX form ' - on FOUR SEPARATE OCCASIONS. Each time claiming that it was a new documents. We have all email correspondence on file, if you would like them and can provide you with a breakdown of the sheer mind-numbing amount of calls we 've had to make and resubmissions we 've been forced to provide them with - all for no reason whatsoever. Our goal here is to Simply convey this modification loan into my mother 's name, as my father XXXX XXXX years ago. Bayview Loan Servicing - XXXX XXXX XXXX - primary point of contact XXXXXXXXXXXX THANK YOU for your assistance with this!
10/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 14424
 Web
My mortgage company XXXX XXXX XXXX XXXX. has not paid my county taxes. I have placed 7 phone calls to them to address the issue. I have placed 7 phone calls to Community loan servicing to address the issue on non payment on my county taxes. They at first argued with me by not acknowledging that it was county taxes and they kept referring to town taxes. I explained I have school taxes and city taxes that have been paid but not the county tax. I have faxed the tax lien to them at their request on XX/XX/XXXX. They promised to expedite the payment and that they would call to confirm. No payment and no call. On XXXX I again called and again explained the problem and was told they would send it to the tax department to " look into '' and that it would take about 2 weeks to address. I again called on XXXX and spoke to XXXX XXXX XXXX who asked me to email him the tax bill. He replied in writing that he had received it and that he would expedite it .He also stated that he would call or email me that confirmation it would be paid by XXXX. By XX/XX/XXXX I had still not heard back so I called again and spoke to " XXXX '' who stated that she would make it a priority to get this paid and that she would confirm by then end of the day. No payment made and no call made to explain the situation. My mortgage is paid on time every month and i have never missed a payment. there is no reason for them to not make this tax payment as there is enough in escrow to cover it. My taxes are being threatened to be sent to a tax lien at this point and I am just getting the same structured general response every time I call where they promise to take care of this within 2 weeks. Its now been 3 months and no action and each time I call I have to have the same conversation.
07/01/2016 Yes
  • Debt collection
  • Mortgage
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30087
 Web
Bayview loan servicing and their foreclosing firm, XXXX XXXX has wrongfully collected funds from the sale of my foreclosed house. Bayview billed and collected money from me beyond what was fair and legal. The attached ledger shows that in their statement of what I owed, Bayview billed me twice for the foreclosing attorney 's fees. Arrowed XXXX and XXXX in the attached documents. I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, XXXX XXXX. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. The attached information also details property inspections by Bayview for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. XXXX XXXX also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by XXXX XXXX is unfair under FDCPA and I do not agree.
08/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MN
  • 55449
 Web
According to previous Account Manager if the subject property appraised value lower than {$300000.00} with existing outstanding balance of {$210000.00} and Borrower has existing reported income of $ {$3800.00} ( which includes the legally received ongoing child support that Borrower has a right to use for loan modification calculation ), both the subject property and Borrower, XXXX XXXX XXXX, would qualified for a loan modification according to Investor 's guidelines for the subject property. Bayview Loan Servicing Interior Appraisal completed on XX/XX/2018 confirmed that the subject property value is {$260000.00}. My Lawyer also provided the Child Support Legal Agreement in addition to submitted monthly the Bank Statements with ongoing circled proof of the child support. On the XX/XX/2018 we got the denial from Bayview Loan Servicing and clearly notified by XXXX XXXX that Bayview loan servicing is not going to use the Interior Appraisal value of {$260000.00} and not going to use the child support legal agreement in support of ongoing income and just simply would deny a loan modification due to the equity in the house. * Following conversation with XXXX XXXX she advised that underwriter did not use for calculation the Present Outstanding Balance of {$210000.00} ( please be advise that this balance is without accumulated fees ( see mortgage statement from XX/XX/2018 ) ) instead underwriter used Unpaid Principal Balance Before Modification of {$150000.00} ( see page 4 out of 5 of NPV test, Input field # 13 ). XXXX XXXX was not able to explain what Bayview Loan Servicing is going to do with the difference of {$65000.00} ( {$210000.00} - {$150000.00} ) and why it is not considered a part of the existing balance for calculations?
03/14/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 27615
 Web
An offer was submitted to Bayview Loan serving, for the full amount that Bayview stated as the value needed, $ XXXX. Bayview then stalled, first needing an updated document, then another, then " losing '' some documents, from XXXX/XXXX/17, when they were submitted, until XXXX/XXXX/17, when they were " found ''. At this time ( XXXX/XXXX/17 ) XXXX spoke to XXXX, in regards to our complaint ( made on XXXX/XXXX/17 ) that Bayview was intentionally holding back review of offer, in order for the previous BPO/Appraisal of $ XXXX to expire. XXXX stated to submit offer, and HUD, with current value, the full price offer that Bayview requested, and it would be escalated, due to the reason that conditions are there for a review. " Escalation '' took 14 days, on XXXX/XXXX/17, the decision was made to reject offer, and NOW countered to NEW XXXX of {$430000.00}. The offer was at full value at the time of viewing, and was at full value at the time offer to purchase was presented by Buyer. we have also submitted this offer to XXXX. We are filing this complaint today, we feel that the delay in approving the full price offer, and the refusal to allow this sale to go through, has harmed the Borrower. Today XXXX/XXXX/17, we submitted the documents to both XXXX and Bayview. XXXX XXXX, the Portfolio Manager called, after receiving my email sent to the rep assigned. He stated that he resubmitted the file again to XXXX for review, and it is escalated, and that we would have an answer in another 5-7 business days. ( previous escalation, with same exact language used, took 14 days ). I asked for a written explanation, stating the reason for offer 's rejection, and also a written explanation for Fannie Mae 's rejection of the allowable fees on the HUD.
04/26/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98366
 Web
My original loan was with XXXX XXXX XXXX, who transferred it to XXXX. I became very ill and underwent three XXXX last year and had missed several payments but XXXX encouraged me to apply for a loan modification. I was in the midst of completing the necessary paper work when XXXX returned my most recent two mortgage payments and notified me that my loan was transferred to Bayview Loan Servicing. This is when the real nightmare began! Bayview would not any accept payments from me. They immediately served me with a notice of default. I completed their loan modification paperwork and submitted it, only to have them time and time again send me notifications that they needed additional information. This process began in XX/XX/XXXX. The loan modification is still " in progress. '' The request I received in the mail today asks for " a copy of Estate Documents i.e. executed Last Will and Testament '' and " Copy of Trust Agreement. Must be irrevocable trust with borrower reflected as beneficiary ''! I have complete records of their correspondence along with all my responses that I sent registered mail with tracking numbers. I also have a phone log of my numerous attempts to contact them by phone. I have been shut down from accessing my account via their website. Foreclosure is scheduled for XX/XX/XXXX. I have the funds available but they will not tell me the reinstatement amount. I have made four requests via email beginning XX/XX/XXXX. I was notified ( with the foreclosure documents ) to contact their partner, XXXX XXXX XXXX XXXX of WA. Neither Bayview or XXXX XXXX XXXX will provide me with the information I need to make payment to keep my home. Bayview is the most corrupt company I have every done business with. Can you help?
05/11/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08865
 Web
this will be an update to my CFPB/Regulatory Case Number : XXXX dated XXXX XXXX 2017. I have repeatedly tried to get the deed-in-lieu of foreclosure documents from Bayview Loan Servicing LLC. to allow me to start the process. on XX/XX/XXXX , I receive a XXXX mail asking me to start the deed-in-lieu documentation ; NO Documents were included to start the process. I have asked verbally to XXXX XXXX XXXX for the documents, for three weeks thru XX/XX/XXXX , I have writt en to Bayview, XXXX XXXX XXXX and his manager XXXX XXXX XXXX , on XX/XX/XXXX and XX/XX/XXXX via USPS, asking for written confirmation of receipt of these letters. No confirmation was received to either. Finally on XX/XX/XXXX I r eceive the correct blank documents from Bayview, I have the coverdoc. from XXXX . next day XXXX / XXXX /2017 I t ook the completed docs to XXXX , at mid-afternoon EST, the fax machine at Bayview, was inoperable, within the time suggested by Bayview : XXXX thru XXXX MST. Sat XXXX XXXX / XXXX /17 I returned to scan the docs to a USB drive, returned home and emailed the nine pages ( as attachment ) to XXXX XXXX XXXX . the email never arrived. Wednesday XX/XX/XXXX , I re-sent the same em ail with attachments to XXXX XXXX and XXXX XXXX , consumer advocate a t Bayview. I have no email confirmation from Bayview. Toda y XX/XX/XXXX I rece ive notice my application for deed-in-lieu process, is too late to delay the Sh eriff 's sale. Please ask Bayview a nd XXXX XXXX , about the three week delay in XX/XX/XXXX , a nd now it is too late!? I am very disappointed by the lack of professionalism, and very slow communication by Bayview and XXXX XXXX .
05/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 70448
 Web
I have attempted to apply for a loan modification with Bayview Loan Servicing LLC who had taken over my mortgage from XXXX XXXX and have submitted all of the paperwork as requested by them on XX/XX/XXXX of this year. When my loan counselor with XXXX XXXX XXXX XXXX XXXX and I called the following week to make sure that they had received the papers, they said that I needed to submit a letter from my Bankruptcy attorney stating that he no longer represented me, before they would even speak with me. I asked them why they had not told me this the week before to save time as the Sheriff 's sale is scheduled for XX/XX/XXXX of this year. They could not answer the question on this. I got the letter from my Bankruptcy attorney and emailed and faxed it along with a letter from me stating the same thing on XX/XX/XXXX of this year. When my loan counselor and I called back on Monday XX/XX/XXXX they said that they could not give us any information on the status of my loan modification application until all of the paperwork had been sent to the Legal Department for review. Consuming more precious time. I have lived in my house for the past 18 years with my daughter who is XXXX and do not want to be put out on the street now. All I am asking for is to have the opportunity to stay in my house with a loan modification from Bayview Loan Servicing LLC. which they have made extremely difficult and too time consuming in the amount of time left before the sheriff 's sale scheduled for XX/XX/XXXX. If not, I at least need time to find a place to live before then. I feel that Bayview Loan Servicing LLC is deliberately stalling the procedure in order to put us out. I am also emailing more documents on this to Consumer Financial Protection Bureau.
04/07/2015 No
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 287XX
 Web
My loan was transferred from XXXX XXXX Home Mortgage to Bayview Loan Servicing LLC on XXXX XXXX, 2013. When the loan was transferred I was working on a repayment agreement with XXXX XXXX. The repayment agreement was really XXXX that was not affordable, but I agreed to it in order to keep my home. After the loan went to Bayview Loan Servicing I 'd asked about a repayment plan that was a little more affordable and submitted letters explaining why the plan that I was on with XXXX XXXX was so difficult to make. Bayview offered a different plan, but it was still not affordable and the payments were not calculated correctly. I tried to explain this to my asset manager time and time again. I 'd made a payment of {$1500.00} back in XXXX 2013 and the payment was not posted correctly and caused my loan to appear as though it was further past due then it really was at the time. Bayview had force placed insurance on my loan and I provided necessary documents which proved there was no lapse in coverage. As a matter of fact, my mortgage included escrow for taxes and insurance, so I do n't know why this was ever a question. My balance on my loan has increased and I do n't really understand what happened. There was money in a suspense account that went toward late fees etc.. I told the asset manager that the money in suspense should have went toward my mortgage or at least ask me if I could put money with it to make a payment. I am showing XXXX payments past due on my mortgage, but not in foreclosure yet. I have paperwork to complete a loan modification and I will be submitting it to Bayview within the next week. I would like for you to investigate my payment history, force placed insurance and review terms for a loan modification.
10/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • ND
  • 58501
 Web
I have contacted both XXXX XXXX and Bayview Loan Servicing several times over the last months asking for the date of first delinquency to be fixed on my reports. The most recent contacts to both companies were by phone on XX/XX/XXXX, by phone on XX/XX/XXXX, by email/fax on XX/XX/XXXX and through disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not updated the date as of yet. The date of first delinquency that is showing on all 3 credit bureaus : XXXX, XXXX and XXXX. The delinquency shown is XX/XX/XXXX but the date of first delinquency was XX/XX/XXXX. The mortgage loan was originally owned and serviced by XXXX XXXX XXXX. It was then transferred to XXXX XXXX and finally to Bayview Loan Servicing. Per FCRA 605 & 623, when a debt is sold and was delinquent, the date of first delinquency is to be reported as the original creditors date of first delinquency. In the case of this account, the account went delinquent with XXXX XXXX XXXX in XX/XX/XXXX. As it was never brought current, the date of first delinquency is XX/XX/XXXX. You will see in the XXXX XXXX Report the XXXX XXXX XXXX Information ( bottom of page 4, top of page 5 ) the account history for XXXX XXXX XXXX and the information that is was transferred. Bottom of page 5 to top of page 6 shows the incomplete XXXX history. XXXX received the loan in XXXX XXXX but did not report until XX/XX/XXXX until XXXX XXXX. Bayview received the loan in XX/XX/XXXX-XX/XX/XXXX. The 2 were the follow-up letters that I submitted after the XXXX disputes were not updated properly. The XXXX XX/XX/XXXX Document shows that the XXXX XXXX XXXX account has been removed due to the 7 year rule but both XXXX and Bayview are still on the report ( pg 11 & pg 16 )
03/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 487XX
 Web
On XX/XX/XXXX the divorce between my ex husband, XXXX XXXX XXXX, and I XXXX XXXX XXXX was finalized before XXXX XXXX at the7th Judicial Circuit Court of XXXX County. As part of the judgement XXXX and I agree the property we shared while we were married would be awarded to him. The judge ordered my name to be taken off the the loan through Bayview Loan Servicing LLC within a month of the divorce judgement. XXXX and I have had to fight with the loan company to have this done. I have signed two quick claim deeds, one on the day of the divorce judgement and another more recently. I have signed modification and assumption paperwork through Bayview Loan Serving LLC, loan # XXXX, to have this finished. After the modification paperwork was approved the loan company reported late payments to the credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Since XXXX of XXXX XXXX and I have continuously been in contact with the loan company to have my name removed. We both have been lied to and given the run around as to why it has taken so long to have this done. XXXX paid Bayview Loan Serving LLC {$1500.00} in closing costs to have this done. They finally accomplished this in XXXX of XXXX, but still have not correctly reported this to the three credit bureaus. I have submitted two disputes with all three credit bureaus to have this corrected with no success. My credit has been destroyed due to Bayview Loan Serving LLC failing to have my name taken off of this loan. I would like the late payments and the loan completely taken off of my credit reports. Bayview Loan Servicing is engaging in illegal activity by their refusal to correctly report to the credit bureaus. They should not be allowed to conduct their business in this manner.
10/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08234
 Web
I have previously submitted a complaint against Bayview Loan Serving, claim # XXXX, for trying to collect on a debt not owed to them. Now Bayview Loan Serving is listing my home for sale on three different online sites ( XXXX, XXXX, XXXX ). The problem with this is that they do not own the home. The deed is still in our name and they do not have the right to title to sell. On XXXX the house ( XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ) is up for auction and currently there are two active bids. An interesting point is that on XXXX they list our address and details, but the picture of the house they show is not ours. Also as part of the purchasing agreement with XXXX, they attached Addendum " A '', which on page 6 # ( 5 ) states : NO RECORDING. Buyer agrees that neither this Contract nor any notice or memorandum hereof shall be recorded in the Public Records of County or State where the Property is located or any other public records. Any such recording by Buyer or anyone acting by, through or under Buyer shall constitute a material breach by Buyer of this Contract and shall entitle Seller to invoke the default provisions hereof. They are trying to sell this home with a Special Warranty Deed or equivalent, which by it's nature suggests that they do not have proper title. Bayview has no contractual agreement with XXXX XXXX XXXX XXXX XXXX ika XXXX XXXX XXXX XXXX XXXX, As Trustee For The Certificateholders of XXXX , XXXX, XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series 2005-74T1, even to service the loan, let alone sell the property. The Trust is no longer registered with the Security Exchange Commission ( SEC ) and is not registered in the State of Delaware ( it's original point of origin ).
09/06/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • NY
  • 119XX
 Web Older American, Servicemember
Bayview Loan Service is restrained from collecting this alleged debt. I do not have a mortgage. Bayview in Florida State is retrained by court order XXXX. Bayview Loan Servicing is in XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX FL. An Attorney in NY State has been commencing actions againt me wrongly. I do not owe this money. If this continues then Bayview Loan Servicing XXXX XXXX FL is in violation of Supreme court State of New York court order sated XX/XX/XXXX and prior XXXX with XXXX XXXX another restraining order entered by the court. Attorney XXXX, changed names pleadings captions and continues to commence actions against me when I never had a mortgage and does not represent Bayview Loan Servicing FL. by filings forged notes. I reported 12 forged names, different names and different notes. filed my XXXX wrongly. I duly had this action barred, dismissed with prejudice. I demand this New York lawyer honor the restraining order by the supreme court that was entered duly, XX/XX/XXXX and in XXXX. The man flat out lied, created fraud docs. and and 7 YEARS of litigations and me having this alleged mortgage debt barred and restrained more than once, Mr. XXXX attorney after being DENIED a third les penance on my property, wrongly filed with the clerk of XXXX XXXX near XXXX XXXX dollars of liens and mortgages in his name personally using an unsigned order to show cause that was denied to XXXX by the court. I want MrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY is the alleged " bayview Layer '' Bayview told me in XXXX they are restrained by court order, Mr XXXX must be sanctioned or fined, investigated, prosecuted for abusive discovery, fraud upon the court which I did prove of the passed 7 years on motion.
12/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28262
 Web Servicemember
It is very obvious that XXXX is not concerned about accurate reporting ; instead the company bends to whatever untruths/mistakes that it's member corporations insist on reporting. I have submitted another dispute that is clearly a mistake on the company 's part, but XXXX either did not read the supporting evidence or refuses to force the company to modify the tradeline consistent with the status that is supported by the documentation. On XX/XX/XXXX, I submitted dispute # XXXX, is dispute to delete a tradeline. I filed because the creditor agreed to delete the tradeline as a result from a previous CFPB investigation ( XXXX ). The effective date of that deletion was XXXX, but as of XX/XX/XXXX, that tradeline still existed on my credit report. Evidently, the message to deltee the tradeline never made it to that company 's clerks who process credit reporting. So, in my most recent dispute, I attached the letter from the creditor which outlines the commitment and includes the tradeline deletion form. Instead of XXXX reading and deleting the tradeline, they forwarded the dispute to Bayview ( now Community Loan Svcg XXXX again, and whatever clerk received the dispute responded back that the tradeline is reported correctly. So, it's clear that either XXXX didn't send the document to that clerk or that clerk didn't open to read the document from Bayview/Community committing to deleting the tradeline ( as of XX/XX/XXXX ). Attached is the documentation : 1. The CFPB complaint XXXX XX/XX/XXXX XXXX 2. Bayview/Community Loan Servicing Tradeline Deletion Commitment ( XX/XX/XXXX ) 3. Recent dispute results of tradeline deletion request showing Bayview/Community clerk responding the account is reporting accurately.
03/31/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30312
 Web
I received a letter dated XXXX XXXX, XXXX that make false claims regarding an alleged mortgage : 1. Notice Pursuant to Fair Debt Collection Practices Act ( If Applicable ) 2. Bayview Financial having full authority to negotiate, amend or modify all terms of the loan 3. The alleged servicer Bayview Financial is the servicer for The Bank XXXX XXXX ( Trustee for XXXX, XXXX XXXX XXXX XXXX XXXX ). I have never heard of Bayview XXXX. I have never received any communication from this company related to this matter or an alleged loan serviced by Bayview XXXX. XXXX XXXX, XXXX is the first time I ever received any notice regarding an alleged debt/loan serviced by XXXX Financial. Furthermore, my research indicates The Bank XXXX XXXX has provided documented information to me and to the XXXX ) that confirms, they are not the lender, successor, investor to the alleged mortgage as stated in the letter. In fact, the alleged trust was terminated in XXXX. Therefore, the statement in the XXXX XXXX, XXXX letter regarding a document filed in XXXX XXXX, XXXX in XXXX occurred five years after the trust terminated. The statement in the Fair Debt Collection notice is in error and invalid. It is impossible to execute a transaction with a trust that does not exist. Additionally, the Power of Attorney related to the property, XXXX XXXX XXXX has been suspended and filed accordingly following judicial procedure with XXXX XXXXXXXX. I have no knowledge of any alleged parties of interest or the alleged loan referenced in the letter date XXXX XXXX, XXXX. The letter is threatening, deliberately misleading, inaccurate and harassing. It violates consumer protection laws. It is also a possible violation of FDCPA, XXXX laws and more.
09/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TX
  • 75224
 Web
Bayview Loan Servicing response is incomplete and did not provide a sufficient answer to the questions. Please provide the following : 1 ) amortization schedule for mortgage. 2 ) review payment history and match payments in suspense account with monthly payments dating back to XX/XX/XXXX - XX/XX/XXXX BAYVIEW LOAN SERVICING DID NOT REPORT ALL MONTHLY MORTGAGE PAYMENTS MADE and resulted in inaccurate reporting for XXXX Mortgage Interest Statement showing {$4300.00} mortgage interest received - please look at payment history provided in this complaint and cross reference with Bayview Loan Servicing records. 4 ) Please explain how all the below calculations were calculated and reported on The XXXX Form XXXX Mortgage Interest Statement Bayview Loan Servicing reported {$24000.00} - Total Interest Applied XXXX : see below Total Interest Applied XXXX : {$20000.00} Payments Applied to Previously Deferred Interest : {$6300.00} Prepaid Interest Applied : {$2700.00} Net Prepaid Interest ( Current Year ) : {$2700.00} XXXX Mortgage Interest Received from Payer/Borrower ( s ) : {$24000.00} ALL CREDIT BUREAU '' S - Bayview Loan Servicing has not reported Monthly Payments. IN REGARDS TO THE STATEMENT FROM BAYVIEW LOAN SERVICING THAT THIS A DUPLICATE QUESTION ... THIS IS NOT A DUPLICATE QUESTION AND BAYVIEW LOAN SERVICING MUST STOP USING THE TERM " DUPLICATION '' AS AN EXCUSE NOT TO PROVIDE THE REQUESTED DOCUMENTATION. IT IS POSSIBLE THAT THE HIGH TURN OVER OF PERSONNEL INSIDE BAYVIEW REQUIRES REPEATING THE QUESTIONS BECAUSE IN MY EXPERIENCE THE SAME PEOPLE THAT WERE ASSIGNED TO MY CASE HAVE QUIT OR HAVE BEEN MOVED TO A DIFFERENT DEPARTMENT> THE ABOVE STATED REMAINS AN UNRESOLVED ISSUE. PROVIDE THE INFORMATION.
10/18/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • DC
  • 20018
 Web Servicemember
After completing a deferment agreement, I requested a escrow analysis to determine what my new payment would me. After the escrow analysis, it was determined that my new payment would be approximately {$1100.00}. When I inquired as to why the payment was significantly higher than my pre-covid payments, I was was told I was paying for additional insurance. I explained that my PMI was no more than {$51.00} a month and my pre-covid payments were approximately {$750.00}. I was told there was an additional {$350.00} added to pay HOA assessments. I asked when and how this assessment was added to my mortgage payment and I was told Community Loan Servicing was making HOA payments on my behalf since XX/XX/XXXX. No correspondence was ever provided that they would be paying the monthly HOA assessments. There was correspondence that reflected that paid a past due balance on the account of {$16000.00}, but at no point was I informed that were making current payments. I have been paying my HOA assessments since XXXX and was still making those payments. I did not sign a modification agreement which would allow for them to include the HOA Assessments in my mortgage payment. It's my understanding that some of the deferred amount included HOA assessments that were included in loan payments. Problem is, I've been making those payments. No one can provide me with an answer as to why and when this happened. I'm uploading documents which reflect payment details for HOA Assessments from my bank as well as the property management company. Community Loan Servicing has been making HOA Assessment payments to my HOA from XX/XX/XXXX to present and would've continued to make those payments if I didn't inquire about them.
10/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30518
 Web
The end of XX/XX/2019, I submitted a complaint ( XXXX ) to ask for assistance with regards to the amount the mortgage company was stating that I was behind, and furthermore, increasing my mortgage payments from what I had established with XXXX previously. In the documentation I received from Bayview, it showed increases in payments due to escrow charges. I was not aware of these increases - I didn't verify charges by the insurance company or state / local taxes - lesson learned. In the complaint I also stated that I anticipated having the issues resolved within two weeks because of a car accident settlement. What I did not anticipate was XXXX XXXX refusing to provide accommodations for my XXXX and taking almost two months to pay the settlement, and then, after they " cut the checks '', they delayed mailing them out such that I didn't receive them until the XX/XX/XXXX Once received, I immediately scheduled payments to Bayview for all the back months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and current months ( XX/XX/XXXX and XX/XX/XXXX ). All payments were received by Bayview on the XX/XX/XXXX ; I presumed that I would have the opportunity to work out any other extraneous expenses for the lateness, but instead, the payments were returned - all five! I then began receiving phone calls and things in the mail about the foreclosure and my house being auctioned off. Secondary to all this, is the main breaker blew the XX/XX/XXXX, and it took until the beginning of XX/XX/XXXX for me to save the money to replace it, so I chose to replace it instead of paying the mortgage, thinking the temp agency would find me another assignment and also thinking that XXXX XXXX would pay the settlement in a timely manner.
09/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • XXXXX
 Web Older American
History : My mother passed away in XXXX, leaving a home and mortgage to my brother & myself. After her money was depleted, I personally began making the payments until I could no longer financially afford the payments. Due to the recession, the real estate market has never rebounded where the house is, plus it is overbuilt [ 7500 sq house on 18 +/- acres with private lake in rural area ]. Upon ceasing payments to XXXX XXXX [ XXXX or XX/XX/XXXX ], the loan was assigned to Bayview Loan Servicing , LLC. Bayview is a collection company. However, I have been completely up front with them, requesting a deed in lieu. Upon my brothers death, his 50 % was left to his XXXX adult children. It was discovered than XXXX nephew has a large judgement against him. I immediately notified Bayview that a foreclosure would be necessary. In XXXX, I was told everything was fine for the deed in lieu. After a more thorough title search, Bayview discovered my nephews judgement. I provided the necessary info to allow nephew & Bayview to communicate, so Bayview 's legal team could negotiate with XXXX XXXX regarding the judgement. Nothing has happened. Bayview has not maintained the property, yard, etc. I have still been paying the utility bills. My & my nephews emails are not responded to, nor are calls. The property looks quite abandoned. Bayview has not followed the promised procedures, etc. I have never had any credit problems, so have no knowledge of the processes. I do believe that 1 and 1/2 years is TOO LONG for this process to take. XXXX XXXX # XXXX in the name of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, VA XXXX ; Bayview Loan Servicing loan # XXXX ; current contact is XXXX bayviewloanservicing.com
03/13/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • MI
  • 488XX
 Web Older American
Hello, Ill try and make this short and sweet ... I have been diligently trying to get back money from my mortgage company for overages that I have paid the last 3 years. Bayview loan servicing has been collecting too much money for my escrow since XX/XX/2014, when they purchased my loan. I am a XXXX veteran who is tax exempt, I have the documentation from the county to prove this. EVERY TIME I call Bayview, I am pushed off to the next department with a different answer and a different resolution ; none of which has gotten me anywhere. I 'm XXXX. I do n't have the time, the resources or the patient for this treatment. I have asked a gal from my local credit union to help because Bayview has pushed me off time and time again, that its going to put me in the hospital. XXXX, my local banker has advised me to contact you to see if you can help. She has tried to fax, to upload, and to call when told to follow up the past 2 and a half weeks. She has had no luck. The last service representative she talked with, even hung up on her. She has been requesting an " escrow analysis '' of every transaction to date since they took over the account in XX/XX/2014. I want to know where my money has gone, why they have n't adjusted my payment to reflect the fact that I do not have to pay taxes. I want to know why this company pushes me off, I want to know why they wont help me. I just want the statement and I just want my money. Why as the " professionals '' will they not help? I pay my mortgage every month, on time. I have for the past 3 years while they have had my loan. I hope you can help me, I hope someone will hear my cry for help and make sure that this company does n't treat anyone else like this.
05/22/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CO
  • 80031
 Web
XXXX XXXX I requested a copy of my credit report that is when I learned that my former partner ( Borrower ) was no longer contributing to this loan and filed bankruptcy on it. Since I am the co-borrower I was held liable for this loan which I was never notified by former partner or Mortgage Co that this loan was in default. I contacted mortgage company in XXXX XXXX at which time back payments had been caught up to date and at which time I requested information to modify this loan and also requested all information regarding this loan be sent to my address. No address update was made to this account and all communication was still being sent to my former partner in his name and to his address even after he filed bankruptcy on this loan XXXX XXXX XXXX . Starting in XXXX XXXX I have left several voice mails to the Residential Asset Manager assi gned to this account to date I have had no response. Have contacted reps and they said I have no choice but to speak to the asset manager and no one else is able to assist me. On XXXX XXXX XXXX a letter was addressed to my former partner and myself, sent once again to his address, regarding a request for loan modification. Information was completed and returned to mortgage company which I have followed up on multiple times and am still not able to find out any information regarding the loan or loan modification, all I am told when I contact mortgage company is I will have to wait to hear back from asset manger because this loan has been discharged, no idea what that means and no one there will explain it to me. I truly intend to repay this money that was borrowed but would like a little assistance in doing so.
07/18/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • DC
  • 20018
 Web Older American
I recieved a letter from XXXX XXXX of bayview loan Service acting as a agent for XXXX XXXX XXXX XXXX dated XX/XX/XXXX.. I responsed by phone and spoke with XXXX who informed me if I make three payment in a row and complete the HARP Loan appication and meet the aproval process any all pass due amount, fees and penities would be paid and I would have a new start. I made the three payment in a row and completed the HARP loan appication and met the aproval process. I received the aproval Loan Modification in in XX/XX/XXXX and sign the loan modification. I received a letter that said that I own three months pass due. How can I be three months pass due if the modification loan was to pay off any all pass due amounts, fees and penities.I have for the pass three years tring to resolve this matter with both Bayview Loan servicing and XXXX XXXX XXXX XXXX to no resolution.I have always believed that mistakes have been made by Bayview and they refuse to admitt these mistake until resently. I recieved a letter dated XX/XX/XXXX stating that I had been over charged XXXX .Which happen to be the amount of three past due month. I responsed by requesting copies of detail records of the account and a detail explanantion of the facts that lead to the credit balance. Also who authorize that that payment be applied to my principal balance. The pass three years have been very fustrating trying to resolve this matter with Bayview Loan servicing and XXXX XXXX XXXX XXXX. I have passed back and forward by both parties with out resolution. I have been trying to improve my credit score over the passed tens and hve been sucessful. The only derogatory item on my current credit report is the XXXX XXXX XXXX XXXX
12/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 12550
 Web
Good morning,We're filing this complaint against Bayview Loan Servicing, in the hopes that the CFPB will intervene and demand that they stop their deceptive business practices immediately.We've been in contact with Bayview since XX/XX/XXXX, regarding our desire to save our home. Unfortunately, they've been less than cooperative with assisting us in resolving our foreclosure matter, as well as, even providing us with updated 0information.Prior to submitting all loan modification documents - which were faxed on XX/XX/XXXX - we were working with an attorney who delayed communications with us, forcing us to disengage.We contacted Bayview on XX/XX/XXXX of XX/XX/XXXXr and we're told that because our documents weren't received within 37 days prior to sale - our sale date is XX/XX/XXXX - our request for a modification was immediately denied and documents weren't uploaded.On XX/XX/XXXX, we spoke with XX/XX/XXXX (XXXX XXXX), who told us that he would escalate the file and send an email to his manager while we were on the phone. He told us that he was requesting that they either waive the 37 day issue (we were two days short of 37 Days on our submission timeline) or recommend that we be reviewed for a Streamline Modification.He asked us to follow up with him on the 12th for an update and we've not spoken to him since. I've left him 2 voice messages XX/XX/XXXX, XX/XX/XXXX and emailed him XX/XX/XXXX. No response.XX/XX/XXXXIt's clear that Bayview is intentionally delaying communication with us, as well as, applying deceptive business practices regarding assisting us.We are determined to keep our home and would very much appreciate your assistance with this matter.Thank you,XX/XX/XXXXXXXX
10/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MN
  • 551XX
 Web
I am widow. According to Minnesota Law title of the primary residence has been transferred to me as a surviving joint tenant. Lender advised that I qualified for a loan modification and offered me to go through the loan modification and assumprion processes to assume the loan. I have submitted all requested documents to the Lender. The reception of all received documentation has been review and confirmed by Relationship Manager. According to the Relationship Manager assigned to the file my income has been approved and I was advised on proposed modified monthly mortgage payment amount. Suddenly, Lender ignored the Interior Appraisal done by certified appraiser hired by the same Lender itself and instead making decision in 30-45 days period, Lender is keep asking for the same information multiple times and ignoring the fact that all documents have been submitted and made the appraisal expired. In addition to that the Relationship Manager on the file was very confused with all what is happening and keep appologizing but he was removed from the file. I still have a hope that all of the above is the accidental issue due to the Bayview Loan Servicing internal reorganization process and not staged circumstances to victimize me as widow and foreclose on my primary residence. I just received the pre foreclosure notification from the Lender for my home. I am asking to help me work with my Lender, Bayview Loan Servicing, to complete the loan modification and assumption processes and avoid a foreclosure. I doesn't feel right and still hard to believe when Lender might use the circumstances like " loosing my husband ', which is hard enough by itself, and making the process so stressful.
10/22/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85024
 Web
This is an ongoing situation that I have with Bayview Loan Servicing LLC.. They have not fixed or credited my account for any of their errors. They have sent me a point of contact letter from a XXXX XXXX XXXX ( document attached ) and in that letter it has options and offers available. I have responded to her in a letter ( attached ) to send me any and all available assistance asap. I have also attached a statement I received abouit a week ago from Bayview ( XXXX statement I 've ever received from them ). On this statement towards the bottom of the first page on the right the show recent account history. On that it shows no payment received for XXXX and XXXX of XXXX. Not true, I sent money orders for those months in the amount of XXXX and XXXX. On a ledger sent to me by their attorney XXXX XXXX he shows the money orders however he shows receiving them both in XXXX. So, their inconsistency in accounting is VERY AGGRAVATING, and negatively impacts me monetarily and every other way.. I am also attaching a document of mine from XXXX XXXX XXXX for my XXXX tax records. In the middle of the form it has a paragraph stating " Bayview Loan Servicing LLC has requested the original tax bill with the intentions of paying it on my behalf ... .I HAVE NEVER GIVEN BAYVIEW PERMISSION TO DO ANYTHING on my behalf ... IS this even allowed. I do not want Bayview Loan Servicing to be able to get my records without my permission ... .Also, I would like an explanation of why Bayview XXXX telling you and other agencies and myself that they have owned my loan since XXXX. I made monthly payments to XXXX Mortgage for 7 years and got a transfer letter from Bayview in XXXX XXXX ( see attached ).
09/15/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 94566
 Web
In XX/XX/XXXX we hired the XXXX XXXX XXXX to help us get a loan modification from Bayview Loan Servicing on a property that houses XXXX very ill people. XXXX XXXX submitted the request on XX/XX/XXXX. Over the next few months XXXX followed up with Bayview and submitted every document that they asked for. Finally on XX/XX/XXXX the account XXXX, XXXX XXXX, told XXXX that they had declined the mod due to our income being too high. He said that the income was {$54000.00} a month. XXXX told him that was not true and that our true income was about {$30000.00} a month. XXXX told her that a request had been submitted to the investor for an exception. XXXX continued to follow up several times a week with XXXX by phone and email. He never answered the phone and she always had to leave a voicemail which was never returned. He never responded to her emails either. Finally on XX/XX/XXXX XXXX emailed XXXX to tell her the loan mod had been denied. He sent her the decline letter which was dated XX/XX/XXXX. The appeal period is only 30 days so XXXX was not even able to appeal the decision. The NPV value used regarding our income was incorrect which could have triggered the decline so we had a legitimate reason to appeal but have been robbed of the chance. The income on the XXXX XXXX XXXX was {$230000.00}. This is not even close to our true income. We now have a Trustee Sale set for XX/XX/XXXX. We do not want to lose this home. It will be extremely difficult to move the patients. It is impossible to get in touch with a live person at Bayview Loan Servicing and we do not want to lose this home. We would greatly appreciate it if Bayview would work with us so we could keep this home.
06/27/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95076
 Web
Dear CFPB, Attached you will find my Proof of Claim, Conditional Acceptance for Value served to BAYVIEW Loan Servicing LLC, A Debt Collector, on XX/XX/XXXX certified sent certified mail # XXXX-XXXX-XXXX-XXXX-XXXX. In addition, Under my private rights of action and administrative process I want to report that Bayview Loan Servicing LLC has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. I never contracted with BAYVIEW at any capacity and have never had any business relationship verbal or written. The BAYVIEW Account # XXXX corresponding to my property at XXXX XXXX XXXX. XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. My Second Notice of Fault in Dishonor and Opportunity to Cure demand letter was served to BAYVIEW on XX/XX/XXXX Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX My Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served to BAYVIEW on XX/XX/XXXX sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. Finally, my Notarized Affidavit of Non Response was also served to BAYVIEW sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. As of today, BAYVIEW has not responded to my Proof of Claim and Conditional Acceptance, Qualified Written Request and Validation of Debt, Fault in Dishonor and Opportunity, Notice of Default in Dishonor Discharge of Obligation to Pay demand letters. Attached please find the above mentioned demand letters and notices for your confirmation and records. Respectfully, XXXX XXXX
06/08/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • VA
  • 240XX
 Web
As of XXXX 2015 my mortgage had been administered by Bayview Loan Servicing and previously it was XXXX Mortgage. From the very beginning I have had difficulties getting my payment issues resolved with them. After several attempts to pay my mortgage, I finally was able to make a payment in XXXX. I set my payments for automatic draft in XXXX with Bayview and requested an extra amount to withdrawn from my checking account to pay down the principle. Bayview sent me a letter showing that they had received my request and that they would begin withdrawing from my account the larger payment. My goal is to pay down my loan as this is an interest only loan. I noticed immediately that they were only taking out my minimum due and not the extra amount as requested and they had acknowledged in writing that this would take place. XXXX months later XXXX XXXX of 2015 ) and several calls later, I finally was able to speak with a manager to request that this be corrected. Prior to this I made several phone calls per month with the same response - " We will have a manager call you to correct the matter '' only to never receive a call. I have wasted a lot of time on the phone trying to get this resolved and they currently are telling me that it will be correct for my XXXX payment. This is what I have been told for the past XXXX months so obviously I have my doubts. My biggest issue is the half of year that I missed out on to make extra payments. I tried several times to pay extra online, but it would only allow me to pay my interest on the loan and nothing more. Bayview is a terrible servicing agency and is creating issues for their customers and needs to be held accountable.
12/31/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 70094
 Web
Bayview loan service took over the servicing of loan number - For XXXX DATE XX/XX/XXXX. This company has missed manage this loan the the principal is constantly being manipulated.There seems to be some kind of fraud with the principal balance on the documents. When I called in and asked about the loan customer service told me that the loan was 13 months behind and i said how can that be when you have been getting the payments.She asked if i was in a loan modification i told her we were not in any loan modification. Then my wife called in on XX/XX/XXXX and customer service XXXX tells her that there is {$7800.00} in a suspense account she said to her why do they have it in there she said she would move it over and that it would take 24 hours to show up in the account. Then my wife called in on XX/XX/XXXX and XXXX said there is {$480.00} in the suspense account. The original loan amount -XX/XX/XXXX- {$81000.00} Loan amount on XX/XX/XXXX- {$89000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$86000.00} On the XX/XX/XXXX to XX/XX/XXXX. The suspense account had {$1900.00} in it. They applied the money from the suspense account to the loan. The balance was brought to {$86000.00} date XX/XX/XXXX. I want to know why this account has so much inconsistency with it and what happened to the {$1900.00}. Now the balance is back to {$89000.00} after what looks like they did some type of reversely on this account. I have sent documents to show some of the inconsistency on this account. Deliberately creating a technical default or wrongfully declaring a default in order to generate fees and penalties.
07/16/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • XXXXX
 Web
On XX/XX/XXXX I received a response from Bayview Loan Servicers in reference to an Earlier complaint that was filed. The complaint was to resolve 3 issues that Bayview FAILS to correct. Is my next step to sue Bayview Loan Servicer for failure to correct my credit report and provide a mortgage modification per the RULES of FHA and the CFPB. 1. Bayview claims to be Servicing the mortgage from XXXX as of XX/XX/XXXX . The servicing transfer notice was not sent out until XX/XX/XXXX . This is a violation of RESPA. The Respa disclosure reads a borrower must be notified within 15 days prior to the servicing transfer - NOT 12 days after. XXXX 2. Bayview fails to remove Me .... XXXX XXXX from the loan, even after providing the proof from XXXX dated XX/XX/XXXX . this is a Violation. XXXX 3. Bayview continues to claim the loan was not modified by XXXX yet the documentation provided in the Verification of Mortgage on XX/XX/XXXX from XXXX shows different. This is another violation of CFPB rules. XXXX 4. My mothers name is the ONLY name that should be on this loan again provided are the documents from XXXX . XXXX 5. Also provided in the modification dated XX/XX/XXXX provided by Bayview that and emails from XXXX XXXX as confirmation that Bayview will credit all the insurance costs, correct the name error, and provide a new modified loan under the HAMP program. This was not done yet again. XXXX Bayview continues the foreclosure process, while Bayview has failed to provide correct information on the new modification. How can a mortgage company foreclose on a home if they are failing to correct the loan and modification.
07/31/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90621
 Web
A COMPLETE modification package was sent in and the review process started. On XX/XX/XXXX our office contact Bayview and received the following update. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX PHONE CALL [ p ] - XXXX ; XXXX XXXX SPOC XXXX XXXX call XXXX XXXX ; XX/XX/XXXX is sale date ALL docs have been received and uploaded as of XX/XX/XXXX By today or no later than tomorrow they will have submitted to underwriting nothing needed at this time. File in review on XX/XX/XXXX an acknowledgement was sent to the client and our office. ( Please see attached ) On XX/XX/XXXX Bayview stated they are refusing to review the file as the sale date is TOO CLOSE. The loan mod review had started. IN CALIFORNIA, a complete package must be in 7 days prior to the sale date. The sale date is set for XX/XX/XXXX. Bayview is dual tracking despite the law that restrict this. Dual tracking occurs when a mortgage servicer continues to foreclose on a homeowners home while simultaneously considering the homeowners application for a loan modification. Rules issued by the Consumer Financial Protection Bureau ( CFPB ) as well as various state laws and the National Mortgage Settlement ( NMS ) offer protection to homeowners in this situation. The CFPB rules, which became effective XX/XX/XXXX, strictly limit the ability of mortgage servicers to foreclose on a borrower while also negotiating a loan modification. BAYVIEW is discriminating against XXXX XXXX based on his race, ethnicity, language, national original At this time, we are demanding the sale date be postponed to continue the review or XXXX XXXX will assert his legal right in district court naming Bayview as a defendant.
08/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 026XX
 Web Servicemember
I have a complaint against XXXX XXXX, XXXX XXXX XXXX XXXX my original loan was with XXXX until they were indicted been sold off to XXXX XXXX XXXX who promised me a modification made me go into default and then while I was in XXXX they foreclosed on my property this unaccredited service or XXXX XXXX based out of XXXX what is going on here. I am in litigation and I need assistance Does this agency really protect the consumer. I tried to modify my loan in XXXX What does property in XXXX and put a ton of money into it. They purposely did not want to modify my loan. To collect fees from the Fed. There is a case of XXXX County court the property is XXXX XXXX XXXX XXXX XXXX XXXX mass I have been obliterated by these banks please assist as I may have to go to the press for this entire event, this is ruining our socioeconomics in the country running our children and our economics with unfair play. Please assist XXXX XXXX XXXX. A law firm called XXXX XXXX XXXX XXXX based out of XXXX illegally foreclosed on my property on XXXX XXXX put it on auction and illegally sold it off without proper notice and jurisdiction of the Commonwealth of Massachusetts. Supposedly the new owner never closed he came to my door and told me he bought my house online. I have no Trust passing signs on my property and yet he still knocked on my door looking in my windows I filed a complaint with the police department. I am suing the servicer the bank and the attorney that represented the bank or an accredited service are based out of XXXX Florida XXXX XXXX who I never heard of Ive been paying my mortgage since XXXX taxes insurance maintenance this is got to stop please assist
07/31/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95054
 Web
My name is XXXX XXXX and I have problem with my mortgage lender. It look like the mortgage lender has been exciting and eager to foreclose my house while I am still making payment for them. Recently they rejected our payment and want to move on with foreclosure. They completely refused to speak to us and make us confusing to dual lender/ mortgage send out. We dont even know which one we need to talk. We owed one mortgage only for our property and 2 lender send letter to me which are XXXX XXXX XXXX XXXX and Bayview Loan Servicing. They have same account number but when we have tried to contact them, none of them get back to us over the phone or formal request. We are struggling that we dont know what we should do due to threaten to foreclose our house. We need to address 2 issues : who is our lender and why they said we are behind on mortgage while we are making mortgage regular payment. In XX/XX/XXXX , we have filed bankruptcy chapter XXXX due to foreclosure of the house in XXXX XXXX . However, we are still making fully payment for my mortgage of subject property XXXX XXXX XXXX , XXXX XXXX XXXX . We have attached the proof that we made payment since then to now. Now we are ending up that we are behind {$17000.00} more for mortgage. We dont even know where it comes from. We have attached proof from XXXX transferred to XXXX XXXX XXXX XXXX as of XX/XX/XXXX with last payment and balance. We dont even see that we are behind when we are with XXXX XXXX . Once it transferred to XXXX XXXX XXXX XXXX , it showed that we are behi nd while we made regular payment since with XXXX to now.
12/29/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NV
  • 89156
 Web Servicemember
Date XX/XX/XXXX On XX/XX/XXXX, we took a second loan out on our home from XXXX. XXXX created a Deed of Trust which was recorded on XX/XX/XXXX with the XXXX. Per documentation, we were paying XXXX, and then we started to pay Bayview XXXX XXXX for this loan. On XX/XX/XXXX, Bayview Loan Servicing recorded a Substitution of Trustee and Full Reconveyance with the XXXX This document states ; the undersigned does hereby affirm that this document submitted for recording does not contain personal information about any person. Mortgage Electronic Registration Systems INC as nominee for XXXX XXXX, it 's successors and Assigns is the present Beneficiary of that certain Deed of Trust dated XX/XX/XXXX made by XXXX and XXXX XXXX, husband and wife as joint tenants as XXXX with XXXX as trustee for the benefit of XXXX as original Beneficiary which said Deed of Trust was recorded on XX/XX/XXXX. Wherein said present Beneficiary hereby substitute Bayview Loan Servicing XXXX as trustee of the named trustee under said Deed of Trust. We request that Bayview Loan Servicing LLC answer our questions below in writing and provide documentation. First, per these documents, Bayview Loan Servicing was not the lender of our mortgage, is this correct? Second, even though XXXX was the nominee for XXXX, was XXXX still the investor of our mortgage loan? Third, who did Bayview Loan Servicing pay our monthly mortgage payments too, for how much and what were the dates when payments were made? Please provide documentation! XXXX, if XXXX sold this note to another investor, please provide an assignment of Deed of Trust that proves that XXXX sold it, on what day and too whom!
07/24/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • XXXXX
 Web Servicemember
I have made complaint to this organization in the past regarding Bayview Loan Servicing ( hereafter BLS ), and I am not sure if you do anything, read the responses submitted, or have any useful purpose to the consumer, however I made this complaint under XXXX, and want that complaint to be the input for this one coupled with the attached documents. BLS via its law firm replied to my last disputes by providing a factually untrue statement with the hope of hiding behind what it stated was the fact that it was in current litigation between the parties, and the issue in my complaint were addressed therein. First that is patently false that the parties are in litigation. The case was dismissed on XXXX-18. ( see attachment ) as the case was not ripe for adjudicating. Second the issues broached in XXXX dealt with issues of post XXXX-18 and issues that are still occurring with no response even though I have reached out to BLS. I have paid off one of my loans XXXX as of XX/XX/2018, and my other loan XXXX will be paid off in either XXXX or XXXX of 2018. BLS is refusing to give me my loan documents and extinguish any UCC 's against my apartment ( XXXX ) even though it is paid off. They have placed legal fees and escrows illegally on my accounts ( XXXX & XXXX ), and have refused to send me invoices for either of the loans ( which I believe they illegally have been holding ) since XXXX of this year. I demand that CFPB require that they put forth a real answer and not the non-sense they have been sending without ever dealing with the issue. They are not sending me any correspondence or invoice ( s ) and refusing to communicate in any fashion.
07/16/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IA
  • 52806
 Web
I have tried to apply for a loan modification in the beginning of XX/XX/XXXX, I have submitted all documents they ask for, and at the end of the process they ask for things that have either been settled, or have never ask before, the issues they ask for documentation for was the following : proof of a child support lean ( state of Iowa ) was taken off of title, I gave them documentation of child support payments stopped back in XXXX in a court order. I gave them the court documentation and also documentation from the Iowa Child Support recovery unit. Second they ask for proof that they ex wife did not have any stake in the property, I have them a copy of the divorce decree, stating that my ex wife did not have any stake in any property that I own. The last thing they ask for was proof of mortgage of the address XXXX XXXX XXXX XXXX, XXXX IA XXXX, due to I collect rent for this address, this is the other side of the duplex that I currently have a mortgage with Community Loan Servicing. They are asking for a proof of mortgage of a property that they are the lender for! I have I have given them a copy of the assessors site page showing my house is a duplex, but also I gave them a letter from the City of XXXX IA, stating that both XXXX and XXXX XXXX XXXX XXXX, XXXX IA XXXX is the same building, and that they and the assessors office only references the XXXX address as it is the parcel address that they use for tax purposes. I have given this information before the suspense date that they gave for receiving documents, but they still declined my applicant stating that I did not fulfill the documentation requirements, which is False!!!!
09/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30088
 Web Older American, Servicemember
Last year I filed a complaint concerning the misapplication of my payments and assessing late fees that were not correct nor were they justified. The Regulatory Case Number is XXXX-XXXX. After getting the complaint they went back and applied my payments properly until around the beginning of XX/XX/2018. They have once again misapplied my payments, incorrectly assessed late and other fees which to this day I still don't understand. Once again I have tried to resolve this issue with them but they're still insisting that I am behind in my payments. My payments are submitted by my bank every two weeks which coincide with my pay dates. In the month of XXXX and XXXX they received 3 payments but they are still saying I'm behind in my payments. Again I have contacted them on several occasions asking them to apply my payments as they were received. This morning XX/XX/XXXX, I received a phone call with a recorded message stating they have not received my payment for XXXX. I am at my wits end with this company. I know the company is saying that I am making illegal payments, but the contract states my payments are due on the XX/XX/XXXX of each month, and they receiving my payments in advance of the due dates. Base on the payments that have been sent, I should be paid up through the Month of XXXX. Once again I am asking for your help in resolving this issue ; that all payments be applied properly, all illegal fees that have been assessed be reversed and to ensure me that they will continue to apply my payments as they have been received. I'm also not understanding why only a little over {$2000.00} has been applied to the principle. Thank you
01/08/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • XXXXX
 Web
Ive been a homeowner for 19 years was never once late on my mortgage in 19 years until the end of 2019 when I was out of work due to an injury and had XXXX surgeries and was not receiving any income. In XX/XX/2019 I called Bayview they sent me up on a fresh start program that forgives the few payments I was behind even though I was paying each month and set me up on auto pay I thought everything was fine and when I went to go make my payment in XXXX the website would not let me nor over the phone it would transfer me to a loan specialist who Ive been calling for over a month and he has not called back I finally got a hold of yesterday and he proceeds to tell me that XXXX who I spoke to in XXXX never put me on the fresh start program and completed the process which no one ever called and advised me that and now he tells me that my mortgage is in foreclosure and theres nothing he can do for me he said he has a modification which I will not except my interest rate is at 4.25 % on a 30 year fixed and he wants to give me a modification Starting at 8.75 % and an annual increase adjusted interest rate every year and I will not except that offer I said I was in a fresh start program and to my knowledge I should be current and able to make XXXX payment. Also for 19 years I never had escrow included in my mortgage and I received a statement that all of a sudden in XX/XX/2019 they want to add escrow into my mortgage payment and my original mortgage with XXXX has a stipulation that escrow was not included in my payments and also my mother and my uncle help me and they pay my property taxes they will not fix this and take my escrow out
08/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 605XX
 Web Older American
In XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX XXXX XXXX refusal to Modify my Home Mortgage. During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX assigned Bayview Loan Services to serve my mortgage Loan Mortgage Number : XXXX. According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XXXX to present. - I have explained my concerns and offered my criteria to Bayview. Bayview, did not believe it and declined my claims. - Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. - Personally, I have contacted by phone many times Bayview Loan Services in XXXX XXXX, Florida. No changes in their belief system and procedures. - I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with Bayview and either the 3 credit bureaus. Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. My numerous requests to clear and update my credit reports have been disregarded. Please advise. Thank you very much. XXXX
02/19/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 91364
 Web
I have a commercial mortgage with Community Loan Servicing LLC, my taxes & insurance are both escrowed. I've been set up on auto payment since I refinanced with them a few years ago. In XXXX of XXXX my insurance broker started emailing me about non payment, & that my insurance was going to end. I told her then I was paying my mortgage with escrows & she should be getting paid through my escrow account. She confirmed there was no payment & I ended up emailing Community Loan servicing to make sure they paid my yearly insurance policy. Even though they ended up paying late, at least it was finally paid.. None the less, I was assured the connection was again made between my escrow account & insurance policy holder. Then this XX/XX/XXXX, my property caught fire. When I gave my property manager my insurance policy, they informed her it was no longer active. I emailed my insurance & they confirmed my policy ended XX/XX/XXXX due to " non payment ''. Even though my mortgage was still taking my escrow money every month they never emailed or called me to inform me they stopped paying. '' They had then placed me on a lenders policy of {$130000.00}, minus depreciation, even though my buildings current value had reached {$250000.00} & my policy I had in place was for over the {$250000.00} with no deductions & renters loss. Now I have all my tenants evacuated, no rent coming in for an indefinite time frame based on construction & the insurance investigation. My mortgage company told me the still want me to pay for my mortgage with my " escrows '' that they so irresponsibly handled while I figure out the next few months of complete loss.
12/28/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 300XX
 Web
I have a interest only loan. Every month I try to pay what I can to reduce the principal balance. Bayview was applying the extra payment to the principal until XXXX 2015. Although I 've told them verbally and in written many times to always apply the extra money to the principal, from XXXX they chose to apply it to future payments. Any intent to correct that takes at least XXXX to XXXX calls over a month to their customer service department because the agents have no clue how to verify if the correction was made or not. They do n't even know how to read their system and most of the time is wasted in them trying to understand if there was a misapplication reversal or not. Each call takes between XXXX minutes to over an hour. When you ask to talk to a supervisor, they transfer you to a " never stop ringing extension ''. There is no one to complaint about. They just say sorry and apologize but do not provide a resolution and as a client you feel completely mistreated. I wonder how these people can handle something as important as loan payments and they are not even trained to do that. I am attaching an email that I sent them in XXXX XXXX and they replied on XXXX XXXX. The same day that they made the misapplication again for the following month. In the statement they request the payments to a XXXX XXXX XXXX in a letter they sent me they suggest to send the payment to their address in Florida in order to " ensure proper application ''. This is contradicting. Why do n't they have the Florida address in the statements? Why would they not " properly apply the payment '' when I send the payment to their XXXX XXXX XXXX
11/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 919XX
 Web
I divorced my husband on XX/XX/XXXX, on the divorce decree he was supposed to redo the loan and put it on his name only ( see atach 1 ). At a later time, we went back together, however, during this time he forced me to give him a quit claim ( see attach 2 ) He got the title but the loan remained on both of us name. Upon his death XX/XX/XXXX the mortgage company removed him from the debt and make me liable for the full amount, so I am not able to refinance or sale the property because I am not on title. Due to the hardship, on XX/XX/XXXX, I started a loan modification with XXXX XXXX XXXX and the outcome was denied on a letter dated XX/XX/XXXX ( see attach 3 ) they stated I did not qualify. On XX/XX/XXXX the loan was sold to Bayview ( see attach 4 ) and I requested another loan modification on XX/XX/XXXX. I submitted all the required documents, then I found out that they change my asst manager XXXX XXXX ( see attach 5 ) I started with another asset manager XXXX XXXX ( see attach 6 ) I submitted the papers once again, three appraisals were done during this time ( see attach 7,8,9 ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX All the papers were complete by XX/XX/XXXX ( see attach 10 ) then I received another letter dated XX/XX/XXXX stating that it was incomplete ( see attach 11 ) Due to the fact that the property had equity, they determined not to approved the loan modification. ( It took about a year to get an answer ) At the present time I got a third asset manager, XXXX XXXX handling my case. On XXXX XXXX got a NOD. Two days ago I found a notice of trustee sale taped to my front door ( see attach 12 )
09/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 763XX
 Web
Numerous attempts have been made to get this error corrected. I entered mortgage forbearance XX/XX/XXXX and was approved and continued through XX/XX/XXXX. In XX/XX/XXXX I called to discuss options upon the completion of my forbearance XXXX XXXX. While discussing options with the rep, I decided to go with the deferment of all payments, including escrow, through XX/XX/XXXX to begin repayment on XX/XX/XXXX. I then received notice that my repayment would begin XX/XX/XXXX - an error had been created on the mortgage company side - this was confirmed when another rep listened to the previous phone call. Due to their error, they are denying XXXX XXXX to be included as originally agreed. I never agreed to begin payment in XXXX XXXX Again, this was confirmed with a check of the phone call from XXXX. I have attached the approval for the forbearance through XX/XX/XXXX and the denial to include it after requesting the error be corrected. I have also included the statement where the payment was to begin XX/XX/XXXX. I have continually requested an override of their error to no avail. I have been promised return phone calls and they have not been received. I need their error to be corrected so that I can make my XX/XX/XXXX payment. If I make my payment now, it will be applied to XXXX XXXX XXXX They have also charged me late charges and continue to call me for the XX/XX/XXXX payment - violating the Cares Act and my approved forbearance. I agreed to make payments beginning XXXX XXXX XXXX and not before. I demand they correct their error and correct my account to begin payments XX/XX/XXXX as agreed.
09/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
 Web Older American
No Customer Service provided. Have phone several times to their ( XXXX ) XXXX Customer Relations Department, also to their " Residential Asset Manager '' Ms. XXXX XXXX, phone ( XXXX ) XXXX. On both cases left messages and nobody return the calls. Have told them that we need to move the due date, because our Social Security monthly payments don't arrive until last week of each month ... ..Deaf ears..!! Got the impression that instead of helping their customers, they do want to keep collecting " Past Due Fees ''. We are senior citizens. My wife XXXX is XXXX and I'm XXXX years old. On another subject, they did send us a letter, dated XXXX XXXX ' 2019, asking us that we need to send them proof of Homeowner 's Insurance. They did provide us with a website : XXXX XXXX XXXX, so that we can up-load our Insurance information, as we did on XXXX XXXX ' 2019, as shown by the reply we did receive from such enterprise saying : " Successful Save '' ... .Your Insurance data was saved. Now recently, we did receive another letter dated XXXX ' 2019 telling us that " This is the Second and final notice '' to provide the Proof of Insurance ...!!! Also, because of our complaints in writing, we received a letter dated XXXX XXXX, signed by XXXX XXXX at Customer Support Department, telling us that they have tried to contact us several times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We are close to our phone ALL day long and IF we go out, the phone line is transferred to our cellular phone, so we DOUBT very seriously of their words in writing, as expressed on their letter..!!
04/04/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 33162
 Web Older American
BAYVIEW LOAN SERVICING, LOAN # XXXX. I WAS PAYING {$74000.00} AT THE TIME YOU MODIFIED MY LOAN TO PAY {$65000.00} SO KEEPING MY INTEREST RATE THE SAME WITH TERM AND CONDITION THE SAME AS PER YOUR LETTER DATED XX/XX/XXXX. MY LAST PAYMENT OF {$650.00} WAS MADE LAST XXXXXXXX XXXX XXXXXXXX AND ALL OF A SUDDEN YOU PUSHED WITHOUT INFORMING ME ABOUT TRANSFERRING MY LOAN TO GET YOUR OWN SERVICING COMPANY, COMMUNITY LOAN SERVICING TO DEAL WITH MY LOAN. I AM REQUESTING THAT MY LOAN STAYS WITH YOU. YOU PUT ME THROUGH THIS GOVERNMENT PROGRAM BECAUSE I WAS AFFECTED BY XXXX XXXX, OFFERING ME THAT THE UNPAID MONTHLY PAYMENTS WERE GOING TO THE END OF THE LOAN LIFE AND THAT EVERYTHING ELSE WAS GOING TO REMAIN THE SAME. WHY ARE YOU CAUSING ME SO MUCH HEADACES. MY PAYOFF AT THE TIME OF YOUR LETTER WAS {$150000.00} AND IT IS AT THIS TIME {$180000.00} ACCORDING TO THE LAST LOAN SERVICING COMPANY. WHAT YOU ARE DOING WITH MY LOAN IS WRONG OR THE GOVERNMENT PROGRAM IS JUST A SET UP FOR THE AMERICAN PEOPLE TO LOSE THEIR AMERICAN DREAM, THEIR HOUSES. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX HAVE BEEN ENTERNTAINING ME FOR A LONG TIME, TELLING ME THAT THEY'RE PROCESSING MY LOAN AND INSTED OF DOING WHAT THEY SAID THEY WERE DOING THEY HAVE GOT MY LOAN INVOLVES WITH SO MANY LOAN PROCESSING COMPANIES WITHOUT TELLING ME THAT THEY WERE TRANSFERRING MY LOAN TO SIX LOAN SERVICING COMPANIES : COMMUNITY LOAN SERVICING, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BAYVIEW LOAN SERVICING ARE RESPONSIBLE OF MY LOAN. YOU MODIFIED MY LOAN AS PER YOU LETTER AND YOU NEED TO CLEAR MY LOAN ACCOUNT.
12/22/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 08046
 Web Servicemember
I did a re-fi with First Mutual they then sold it to XXXX which went out of business.I was then contacted by XXXX XXXX XXXX Who stated that My FHA mortgage was assigned to them and that my {$900.00} a month mortgage would be {$2300.00}. I immediately contacted them and told them that since I 'm a Veteran that my mortgage could not be assigned to them without a face to face and authorized by the VA. They then filed foreclosure paperwork through the court. Out of fear and lack of knowledge I paid them until I was financially strapped. My Wife had to have a XXXX which caused me to stop paying XXXX completely I saved up enough money to hire a law firm XXXX XXXX XXXX XXXX. The firm placed me in a XXXX XXXX lawsuit against XXXX and they backed off and stated that my mortgage had been securitized and that Bayview Loans Servicing LLC would be my new servicer. Again out of fear of loosing my home I paid Bayview a total of {$9600.00} {$1800.00} a month for 6 months because they threatened foreclosure via the same debt collector lawfirm XXXX XXXX XXXX that XXXX had used. After paying the 6 month trial period for a modification which the results from the XXXX Bayview sent paperwork to file for a modification that they said I had already been approved for. With lawyer fees and false modification payments I 'm out about {$20000.00} and Bayview is threatening to sue for foreclosure again. Like I stated earlier I 'm a Veteran with a sickly Wife and just want to pay fair market value for my home Bayview states that I owe them {$320000.00} and my home was appraised at {$150000.00}.
05/03/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • ME
  • 049XX
 Web
Starting XX/XX/XXXX Community Loan Serving started charging me an additional {$55.00} monthly. They know I'm on a Forbearance and am struggling. I called about this additional charge and was told by a rep it was for a late fee. I told the rep I was not late. The Rep. instructed me that the only way to get it removed and/or get reimbursed was to contact customer service in writing and wait for 30 days for a response. I contact customer service in writing, and waited the 30 plus days ... .and then was told it was not a late charge it was property inspection fees and they will not reimburse me. That was fine except now, every single month since XX/XX/XXXX until now XX/XX/XXXX the charge remains on my bill for me to pay monthly, and I am forced to pay it, the amount is always {$55.00} dollars and not related to the normal mortgage amount. And no matter what I pay my account goes into suspense. In XX/XX/XXXX I received a letter stating that an Audit was issued and I have been indeed over paying and they are going to reimburse me. With this letter was no check or the amount that was due to me for the over payments. I called and spoke to a rep which told me she will issue me a {$55.00} check but the remainder of what is owed to me I'll have to fight for it by contacting customer service and waiting for 30 days to hear from them. I instead am writing you in hopes you can help me. As I am absolutely confused and exhausted with dealing with this lender for many inconsistencies. Meaning, this is not the only problem I am encountering with Community Loan Servicing LLC.
03/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KS
  • 66049
 Web
When Bayview ( now community loan ) took over the loan ( from chase ) they would not accept chases forbearance agreement. Even though this was provided to them and multiple conversations occurred. Bayview went so far to attempt to foreclose on my home. Multiple people in my family receiving notification of this ( and not one person co signed so thats a privacy issue ). I tried very hard to work with the company. They would not hear me I finally contacted the attorney general who was able to stop what they were illegally doing. They have marked my loan as being in default from XX/XX/XXXX until XX/XX/XXXX appearing as though I simply didnt make payments and was severely late greatly affecting my credit score. Additionally I have reached out to this company multiple times via email and phone calls. I have discussed a modification be offered which has not occurred. I also have noticed a XXXX increase on my mortgage in under a year. There are still attorney fees they are charging me for that they have assured the attorneys general that they were removed. My interest rate is the highest its been I believe around 9 % Before they took the loan my interest rate was under 5 %. Because I can not trust this company for obvious reasons I fear they will try to do something that will harm me in some way again. I assume take action on my own, and am seeking a mortgage arrears resolution process be initiated. I would like the lowest mod possible. I can not seem to communicate with this company in a manner that is effective. Please communicate this on my behalf. XXXX XXXX
05/05/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 45245
 Web
In XXXX XXXX, we filed XXXX XXXX bankruptcy. In XXXX XXXX, we completed our bankruptcy and according to our bankruptcy documents, we were to resume our original mortgage payment of {$480.00} in XXXX XXXX to our mortgage company Bayview Loan. This amount did n't include our current escrow, so we started paying {$650.00}. In XXXX XXXX, we found out they were cashing our checks but not applying our payments to our account. They claimed we owed {$11000.00} in back escrow. After NUMEROUS phone calls and faxes, we were sent a payment history from XXXX XXXX to present. We have been in bankruptcy since XXXX, where was the rest rest of our payment history? At first, we were told that was all that was available. Then we were told they were sending it but that there was an 8 month gap between their old system and new system that they can ' t provide. So far, we have received NOTHING! Also, we were requesting an escrow analysis because according to the payment statement we did receive, on XXXX XXXX, three months before we were to complete our bankruptcy they added close to {$11000.00} to our escrow account. Bayview has made numerous promises to get us documentation, provide us with a researcher, and help us determine if we owe this money and if we do, why it was added so late in the bankruptcy so it could not be paid off. They have done nothing. They have ruined our credit report we worked so hard to clean up and are now threatening foreclosure. Also, if we still owed arrears, why did they sign off on the bankruptcy completion papers saying all arrears had been paid?
06/17/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 150XX
 Web
Have been under economic hardship since my divorce in XXXX. I was laid off from work as well in XXXX of XXXX. I am a single mom of XXXX children living at home with me. I have since found odd end work from home jobs and currently have stable and reliable full time employment. I have experienced filings for loan modifications with XXXX XXXX XXXX ( my prior lender ) with the same issues that I now have with the new lender, Bayview Loan Servicing. With XXXX, after ALL of the trial payments were made, I was sent to a notary about XXXX times to have the same new loan modification documents signed, each time saying it was not notarized correctly. Now with Bayview Loan Servicing, my first XXXX trial payments went through and Bayview kicked back my last payment, therefore making me late on the XXXX payment when they had accepted it on XXXX/XXXX/XXXX and then kicked it back XXXX/XXXX/XXXX ( a XXXX later ). So they did receive my payment but want it to appear as though I missed a trial payment so that they could not give me the loan modification. I can see now that mortgage companies would do something like that since XXXX so far have done that to me. I even made a payment after I filed taxes in XX/XX/XXXX this year in an attempt to pay what I could on the mortgage and the Loan Officer XXXX XXXX said that payment could not count towards the trial payment and would only go towards the balance on the loan. I just do n't want to lose my home. I would just like to get the Loan Modification I have been trying to apply for several times in the past XXXX or so years.
03/24/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 312XX
 Web Older American
My mother and father were both on a mortgage with XXXX/ XXXX XXXX My father passed away in XXXX. When we inquired about mortgage insurance. We were promptly told that theirs expired a year prior to my father 's death. The initial mortgage was {$830.00} and the interest rate was well over 21 %. With much haggling the reduced the mortgage payment to {$300.00} with an interest rate of 7.7 %. Throughout all these years they never did assignment or any paperwork pertaining to the mortgage until I asked them for a copy of the mortgage and the note. The then sold the loan to Bayview Loan Servicing LLC. The loan is a 30 year fixed rate mortgage. Upon transferring it to Bayview, we were told that it is now a daily interest loan. The bill says that the {$300.00} payment is all going to interest.. My father passed away in XXXX. XXXX just filed some assignment paperwork to them from my dad and the old mortgage company. My mother 's name is not on The documentation. His name is even spelled incorrectly. They further filed an assignment from XXXX to Bayview loan servicing all on the same day XXXX. I have no way of knowing wether my parents had mortgage insurance. My mother has XXXX, my father is deceased, and XXXX never would produce any focumentation. My parents only income at the time was social security. With my father now deceased my mothers income is only half of what it was, I believe my parents are victims of predatory lending. Something very sinister has gone on here. I have to speak for my mom because she ca n't speak for herself. I need some help.
08/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 45440
 Web Older American
I am currently in a chapter XXXX bankruptcy which was filed inXX/XX/XXXX. The mortgage on my home was sold to Bayview Loan Servicing inXX/XX/XXXX. The real estate taxes on my home are escrowed and should be paid by my mortgage company by XX/XX/XXXX, and XX/XX/XXXX each year so as not to incur late fees. As my documentation will show the taxes on my property were not paid until XX/XX/XXXX which caused a late fee of {$330.00} to be assessed. The taxes for the second half of XX/XX/XXXXwere paid on time. This year the first half tax bill was again paid late. The taxes were paid on XX/XX/XXXX, which again caused a late fee of {$330.00} to be assessed. I went to the XXXX County Treasurer 's office today to get a print out showing the taxes for my property for the second half have still not been paid and there is a late fee of {$330.00}. When my taxes were not paid correctly for the first half of XX/XX/XXXX I spoke with my attorney for my bankruptcy about the matter. He said it is not legal for a mortgage company to collect funds for an escrow account and not properly pay the items escrowed for on a timely basis. At that time I was concerned that other money was not properly being accounted for by Bayview Loan Servicing. My attorney requested from Bayview a complete accounting of my mortgage payments and escrow account. We still have not seen that paperwork. It is my desire that Bayview Loan Servicing be requires to provide me with a complete accounting of the funds collected from the bankruptcy court and show in detail how they are being applied.
02/09/2016 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 295XX
 Web Older American
Bayview loan servicing sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at Bayview who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a federal express pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was XXXX certified letter and XXXX in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. Bayview is either confused our incompetent either way I think my XXXX year old mother with stage XXXX XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by Bayview and filled out and sent to them
10/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • GA
  • 30506
 Web
Community Loan Servicing took over my home loan. They have reported my loan as missed payments in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid with proof of payment through my bank statements. I have requested to have those late payments removed off my credit report which has tremendously hurt my score as they werent late and my loan was sold to another company XXXX XXXX whom took over my payments in XX/XX/XXXX. I call Community Loan Servicing only to be rerouted to XXXX XXXX. I then have to find a land line to call from so they dont have my phone number attached to my old account just to get a representative on the phone to redirect me to an email address for my concerns on this matter as she said she couldnt help me I have emailed Community Loan Servicing FOUR times without a response! I have filed disputes with all 3 credit bureaus to have this removed and its currently under investigation. I am trying to refinance my home loan with a better deal and this is my hold up. For the past week I have stressed over this as NO ONE WILL ANSWER at Community Loan Servicing. I shouldnt have to go through this much trouble to get customer service on a loan I had with them. I log on to their website and it redirects me to XXXX XXXX yet again. Someone needs to train this business with better customer service!! I can even access my old account not will anyone help me remove these negative remarks off my report. I have proof of payments and I have never been treated so poorly by a company! Someone needs to be held responsible for this!
08/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60302
 Web Older American, Servicemember
I have a loan with Bayview XXXX. By their numbers ( which are incorrect ) I owe about {$13000.00} in real estate taxes and {$2000.00} for insurance ( annually ). This is roughly {$16000.00} per year. They have been deducting {$1700.00} monthly for escrow which totals about {$21000.00} annually. After paying all taxes and insurance this year there was a remaining {$2000.00} ( roughly ) in my account. This actually means there will be {$23000.00} ( roughly ) in the account to pay {$16000.00} in taxes and insurance next year. This is an overage of roughly {$7200.00}. Since XX/XX/2019 I have been requesting a total escrow report. As of date, I have not received one. Further, since this date, I have requested the escrow be reduced given they are rolling over thousands of dollars. I was notified today that they will reduce payment rough {$200.00} per month or {$2400.00} annually. This reduction falls about {$5000.00} short of what is actually needed. I have been with Bayview XXXX for 2-years and escrow payments have gone up about {$800.00} per month since they took over the loan. My complaint is Bayview XXXX has negated payment reduction for 6 months ( since they want to put reductions in for XX/XX/XXXX payment ) and are charging exorbitant unwarranted escrow fees. Also noted is there has been a tax reduction on this property, not a real estate tax increase. Further, I am XXXX this year and real estate taxes are frozen in XXXX County for seniors. There is no justifiable reason for these fees given there are no increases anticipated.
12/28/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 19148
 Web Older American
We received a notice of foreclosure from XXXX in XXXX. We attempted to modify the mortgage and have correspondence noting that due to health issues and the disrepair of the property we could not maintain the current mortgage. We hired an attorney to complete Deed in Lieu which required that we put the property up for sale. Followed all directions. No offer. Contacted XXXX to complete deed in lieu, informed that representative could not speak to us. Notified XXXX we could not keep property at current payment. Moved in XXXX XXXX. House in foreclosure. Received notice that Bayview was now mortgage company ( servicer? ) They began sending mortgage statements and asking if we wanted to remain in home. We again made it clear we can not afford current rate and asked about the deed in lieu in which we paid an attorney to handle sale of property. Bayview said all we needed to do was sign a document verifying deed in lieu. Received instead request for new information. Bayview 's correspondence and telephone messgages indicate that they are a debt collector ; however, they have incurred two additional years of debt on a property we have repeatedly told them we can not afford. XXXX sold a mortgage for a foreclosed property with the intent of accumulating additional debt on a property that had already been foreclosed upon. I have XXXX XXXX. My husband has XXXX XXXX. We are unable to afford the cost of emptying out the property. Yet we continue to receive mortgage statements for a property we did everything to avoid foreclosure upon, to no avail.
02/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30034
 Web
I was lay-off of my job but I found another job shortly after .... However, the new job paid less money. Before I get be hide on my mortgage I contacted my mortgage company and explained my situation and asked for a modification. I was told by the mortgage company that I had to be at least 3 months be hide before the could do anything for me. After my savings were gone which was months later I filed for a modification. I sent in all required documents and made all three trail payments. After that I was told by my account manager that I had completed everything that I had to do and now the underwriters had to process the modification. I called every month to get an update. Finally, I was told to make two payments to bring the mortgage current and my modification would be finalized. I made the two payments and called the mortgage company back in two weeks. At that time my account manager informed my that he had giving me the wrong information. I was told that I had to pay over 20K ( the arrears ) to bring my mortgage current or loss my home. I wrote upper management and explain the issue. Management was extremely rude to me. And now I an in the process of losing my home. This entire experience has been long, hard, misleading, stressful, inhumane, unethical and unprofessional. I hope that no-one never has to go through this awful experience from Bayview Loan Services LLC. This mortgage company needs to be accountable of their mistakes. Because the way they do business is negatively effect hard working people 's lives in a major way.
06/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92675
 Web
Community Loan Servicing ( formally known as Bayview ) accepted my XXXX mortgage payment but failed and refuses to post the funds to my account. Instead they merged with another company, XXXX XXXX ( aka XXXX ), which is really the same company, and refuse to post the funds they are already in possession of. This is called stealing. They are already sending me notices of collection, foreclosure and threatening to post negative information to my credit reports. Instead of handling their business properly Community is demanding that I only communicate with the new servicer which is really one and the same as the old one. This is clearly an illegal scam where these mortgage companies work together to foreclose on property at great profit to them and great loss to the people who actually live in this country. This is the forth or fifth complaint I have filed and CFPB continues to do absolutely nothing of any effect. Which is frightful because they seem to be the only governing body associated with this type of " business ''. Bayview / Community / XXXX XXXX / XXXX needs to be closely examined as they are breaking numerous laws set in place to protect the public from this type of aggressive business practices. CPFB needs to handle these extremely stressful concerns as this issue has been ongoing since 2019 without resolve. I have once again provided proof that my payment was received by Community / XXXX and proof they they are currently trying to foreclose on my home regardless of this payment. This is illegal and needs to be stopped.
03/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92870
 Web
In XX/XX/XXXX I missed 4 mortgage payments due to loss of monetary contribution from my ex-spouse and slow in business revenue from my floral business. I called my lender XXXX XXXX ( now Bayview Service ) to ask for reinstatement but they refused. So in XXXX, I called XXXX XXXX XXXX in XXXX XXXX to help me with loan mod assistance. From XX/XX/XXXX-XX/XX/XXXX I got denied for the loan mods. I then hired XXXX under XXXX XXXX to help me stop foreclosure as well as appeal the loan mods. While we were in loan mods appeal and review, they sent me foreclosure letters with auction sale dates. They violated the law by doing Dual tracking foreclosure. My sale date was in XX/XX/XXXX then postpone to XXXX, then back later to XXXX. It was postpone only because I called them to ask where's all my documents I have sent them. Their excuse was that they can't find them. But that didn't stop them from stopping the sale. They harassed & left me with no choice but to file Chapter XXXX on XX/XX/XXXX. It is still under the court 's review. I don't think I can afford the payments under Chapter XXXX. I am not upside down in my house. There's still equity in my house but Bayview wanted to take my house away without giving me a chance for reinstatement or loan mod. Since my dad is the grantor and he's XXXX yr ( I'm secondary ), I really believe they discriminated against him because they believe he doesn't have much time to " pay back '', so they denied giving us any kind of assistance. They violated the Fair Lending act for discrimination based on age.
12/26/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MN
  • 551XX
 Web
My husband passed away, the title of the house has been transferred to me as the surviving joint tenant. I was told by Lender to apply for the Loan Modification - Loan Assumption process to get the loan on my name. I have sufficient income and submitted all required documents in the timely fashion following Lender 's Instructions. First Lender was keep asking for the same documents when even the Relationship Manager has to apologize to us for inconvenience. Now on XX/XX/2018 Lender executed the BPO that supported by the similar value of the Lender 's the Interior Appraisal of $ XXXX instead of completing the Loan Modification - Loan Assumption process for the widow, Lender orders another BPO on XX/XX/2018 and denies widow for Loan Modification - Loan Assumption process using the $ XXXX value for NPV Test. My understanding and according to the same Lender only one BPO or Appraisal can be ordered every 90 days. The same NPV test also showed that my gross income three times less than showed on all submitted supporting income documentation. The Lender keeps playing with the value of the property. I hope this all a simply accidental issue and not the staged circumstances to victimize the widow by inflammation of the property price opinion and ignoring valid Interior Appraised value of the property done by certified appraiser hired by the Lender itself. I am requesting to postpone the foreclosure sale for the subject property and review the circumstances listed above to complete Loan Modification - Assumption processed for the widow.
09/11/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 388XX
 Web Older American
Our home was destroyed by Hurricane XXXX in XXXX 2005.Due to a Flood Determination error by our bank we had no flood ins. We have litigated this item and have received partial compensation. A Grant was given to us for $ XXXX to repair home, but XXXX demanded XXXX before they would release funds to repair home. As part of our compensation, the bank signed an agreement, Right to Modify, with us that gave us the right to request a rate change once our house was repaired. XXXX was our Mortgage Holder and we did request the rate change. They never answered it but sold our loan to XXXX. We requested XXXX XXXX to modify the interest on our loan. They never answered but sold our loan to XXXX XXXX, in XXXX. We contacted them to modify the interest rate. They did acknowledge our communication, but were more interested in refinancing our loan. We submitted XXXX applications for refi but they kept losing them. Finally, we told them that we were not going to make any more payments until the lived up to the agreement signed by XXXX. We also requested to see the original docs for our loan. At that point they no longer answered our calls or letters. That was 5 years ago. We did get threats to accelerate the loan and they did place us with a foreclosure mill attorney but we did abate that with a Bankruptcy Proceeding. They still have not addressed the agreement nor will they answer any questions about original note and mortgage. I have since contracted XXXX XXXX and I believe they are hoping I XXXX and this will all go away. What should I do?
05/10/2017 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 925XX
 Web
I and my short sale negotiator, has been trying to work with baview loan LLC, for over a year now. I was approved for the short sale, to prevent foreclosure. But it has been very difficult dealing with the asset manger, XXXX XXXX . Below I ATTACHED an email thread from my realtor, the conversation he has had with XXXX XXXX , we have found a buyer, also the contact has been signed. The expected closing date XXXX / XXXX / 2017 , I received a letter from bayview XXXX XXXX , 2017 . The letter was dated XXXX XXXX , 2017 stating I was denied a short sale, due to timing and they do n't have enough time to process the paper work. I have been trying to reach out, I was told they dont know who I am, also I 'm not authorized to speak with XXXX XXXX . Which is very strAnge because I was sent letter, also i have spoken with XXXX XXXX on several occasions. They sent a letter 15 days after they summited to foreclosure. Which doesnt make since, if we have gotten an appraisal on the home, found buyers, they have excepted the offer and all parties have agreed to the terms. Including XXXX XXXX XXXX ( asset manger ) at Bayview loan LLC. After the letter there have been several attempts to contact XXXX XXXX XXXX , via phone and email. Several voice mails. Also we have reached out to customer service, to seek help or some type of answers. On why was a foreclosure sale has been in place. We have been doing everything we can to work with XXXX XXXX XXXX , but it has been no success. My loan is a Va loan.
05/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89169
 Web Older American
The loan servicer Bayview failed to prove that an alleged corp advance balance was left from the previous servicer XXXX of {$1300.00}, in addition according to loan terms these charges are not payable together with monthly payments, but at any time. Furthermore, Bayview has not rights to collect any monies from this loan. As Bayview stated in its response from my former complaint indicating that he is collecting in behalf of a XXXX XXXX that supposedly is the lender/creditor, but the mbs trust was dissolved on XX/XX/2008 and the investors were several times paid. Bayview is not the original lender neither the servicer to a loan that doesn't exist. Bayview as XXXX XXXX XXXX and XXXX XXXX have been and still are illegally collecting payments from a loan that they do not own. Bayview has not responded to my QWR and XXXX XXXX XXXX has sent me a false fabricated mortgage note with robo signing which I'm sure also Bayview is planing to use if they finally respond to my QWR. As they did with the fabricated bills of the former so called servicer XXXX who also collected and charged a lot of money from us by playing tricks like XXXX XXXX XXXX of stopping drafting the payments from my bank and then, charging us a lot of money in fees. Bayview had the auducity in sending today a bill of the illegal monthly payment and the so call corp advancement from XXXX calling it as, '' past due '' and payable next month as a total of {$2000.00}. I'm fed up with these people committing fraud by taking advantage of responsible elderly people.
03/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • CA
  • 91792
 Web
From : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date : XXXX XXXX, 2016 at XXXX XXXX PST To : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ; Cc : XXXXXXXXXXXX Subject : CANCELLATION OF TRIAL MODIFICATION Hi XXXX XXXX, This is my official notification that I DO NOT want to move forward with the trial modification that was discussed earlier today and not to process my 1st trial payment of {$1900.00} from my XXXX XXXX Account. Due to the trial modification being almost a {$1000.00} monthly increase it will not be affordable and I am looking elsewhere. Also, I was not aware of the balloon amortization that I have investigated more thoroughly. Thank you for your time and effort, but again I am declining your trial BALLOON AMORTIZATION TRIAL. Sincerely, XXXX XXXX XXXX XXXX Dear Bureau of Consumer Financial Protection, I sent the above listed letter of explanation declining my " Balloon Amortization Trial '' with Bayview Loan Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ref Loan # XXXX, with the hopes of continuing to work with " Keep Your Home XXXX '' who was trying to submit my loan with payment. I received a phone call this morning that Bayview Loan Servicing has denied " Keep Your Home XXXX '' the ability to make a payment on my loan and take over my loan. As, explained in my aforementioned letter, Bayview Loan Servicing, will be furhter placing me into a Financial Hardship, while the " Keep Your Home XXXX '' program will help assist me in my situation. How can Bayview block a Governement Agency from helping and assisting me?
10/24/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • VA
  • 20155
 Web
On XX/XX/2015, I wrote an email letter to XXXX XXXX, Bayview Loan Servicing , LLC that I wanted to sale my house because I was unable to meet with my monthly mortgage payments. Unfortunately, XXXX XXXX never responded back to me. My HARP was denied and since I was XXXX retired, my income had been reduced XXXX % prior to my retirement. During that time, I made XXXX of the payments each month in the amount of {$500.00}. Bayview Loan Servicing accepted and continued to receive monthly payments and charged me late fee and penalty. I stopped my monthly payments in XXXX of 2015 because Bayview Loan Servicing threatened me to foreclose my house. Instead, I made a " good faith '' and attempted to negotiate with them ; and yet, they refused to communicate with me. I wanted to sale my house but with a conditional, so that I can payoff my mortgage principal and I can keep the remaining amount of money. By doing that, both parties will be satisfied. The communication has broken down between myself and Bayview Loan Servicing , LLC . I do n't know who is my note holder/holders and I want to communicate with my note holder/holders, so that I can communicate directly. Bayview Loan Servicing can not makes that kind of important decision. If I can request you to find out who is my mortgage note holder/holders and with the complete contact information. The information as followed:1. Mortgage company/companies name. 2. Mortgage company/companies complete address3. Point of Contact ( POC ) 4. Account NumberXXXX. POC 's Phone Number
03/22/2016 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • GA
  • 30087
 Web
I am the original owner of my home which was purchased in XXXX. In XXXX, I did a home equity line of credit and did a quit claim deed, adding my husband to the mortgage. In XXXX XXXX, the husband refinanced the mortgage unbeknown to me. I had received preliminary foreclosure notices from XXXX XXXX XXXX in XXXX. When I contacted the bank to discuss the notice, I was informed that they could not speak to me because I was not listed on the mortgage. I requested documentation from the bank to validate their statement. I received from the bank a copy of an " Original Promissory Note '' which only indicated the husband 's name, signature and initials. I was not aware of, nor a party to the refinance closing transaction of said property on XXXX XXXX, XXXX. My name nor signature is not present on the binding agreement known as the " Promissory Note '' dated XXXX XXXX, XXXX. I have submitted an affidavit to XXXX XXXX XXXX, as a sworn document, dated and notarized, XXXX XXXX, XXXX. XXXX XXXX XXXX has transferred the loan to Bayview Loan Servicing , LLC in XXXX XXXX. I was notified by Bayview Loan Servicing LLC, of a default for an Unsecured Instrument, which I have not signed. Bayview Loan Servicing LLC, has retained, XXXX in XXXX, Ga, as the representing party of Servicer. There is definite violations of the Federal Truth-in-Lending Act. I was not aware of the refinance transaction, not a party to the closing of this transaction and there 's only one name and signature on the " Promissory Note ''., which is not mine.
06/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60628
 Web
My mortgage is wi th Bayview Loans tr ansferred from XXXX XXXX i n 2015. I have been paying the mortgage promptly monthly. I discovered that all payments were being applied to interest only. I contacted Bayview and was informed that the problem would be corrected. It was not. Later l was informed that the loan was a daily interest loan in addition to the 30 year fixed. I was not aware of this. When l make payments l use the customer service representatives. I ask how much is due each time and l make the regular monthly payment. Recently l found out that the daily interest payment was also due and that is the reason why all payments were applied to interest only. When l receive my monthly statements it does not reflect the daily interest amount and calls each month to the representatives did not indicate that additional monies were due. I think that this is a deceptive practice to cheat me out of my monies for the principle amount on the mortgage. I was never informed by mail or over the phone that additional monies were due. This practice allowed Bayview to take my entire mortgage payment and apply it to interest only. Since l started an inquiry with Bayview l have been given the run around. I received a statement outlying how the payments were applied. The statement was confusing and inaccurate. Recently l have been informed that the mortgage has been transferred. I think that the transfer is an attempt to get rid of my account because their practices were deceptive. I believe l am a victim of fraud.
11/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33615
 Web Older American
I had my mortgage loan with XXXX. In XXXX my sister, the co-borrower, died and I put in a claim with my MI. XXXX never responded and instead sent my mortgage to a Mortgage loan servicing agencies, first Bayview, XXXX, later Community and now Community sent it to XXXX. This is bogus. XXXX and its assignees are trying to steal my home. I have not missed a payment to Community. During Covid-19, I took benefit of Cares Act and waived 4 mortgage payments, according to Cares Act, I could have waived 180 days, 6 months, I only waived 4 monthly payments. After Deferral period, Community sent me a new monthly payment which was higher then before Cares Act and I stated payment had to be same as it was before deferral. Community changed amount to close to what it was before Cares Act and I have made my monthly mortgage payments each month. Around XX/XX/XXXX, I made 2 mortgage payments to Community, by mistake, and emptied my bank account. I asked Community to refund the second payment and silence from Community. Community instead shows me in default, is trying to collect {$8000.00} plus from me and now has my house in foreclosure. What the XXXX XXXX???? Please help me. This is my home. XXXX and all their assignees should be fined for stealing from homeowners. Please contact my niece XXXX XXXX at XXXX XXXX XXXX as she is helping me. I am XXXX plus years old, XXXX in XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, and stuck with a huge mortgage. My payment is {$1000.00}. and my Social security is {$1000.00}. Help me.
01/31/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OK
  • 741XX
 Web
-My business was shut down by the government due to Covid. My loan was put on forbearance. My business was to reopen XXXX XXXX. I was promised my loan modification could start XX/XX/XXXX. Since XXXX, XXXX, I repeatedly asked Community Loan Servicing for full payment history of my mortgage.. After filing a complaint on this site, I received a partially illegible, disorganized, incoherent document on XX/XX/XXXX, for my review. Community Loan Servicing demanded i start paying on XXXX XXXX, XXXX. It was demanded that I pay a modification payment by XXXX XXXX XXXX in order to " save my home '', and that unless I paid it I would no longer be eligible for a modification, although I still had questions that they refused to answer.. -I had been promised that the modification would start in XXXX, XXXX. -I asked repeatedly for an explanation of why I was offered a modification with one interest rate, then they raised the interest rate in the next letter for no reason. No answer. -I asked repeatedly for an explanation of how I could possibly owe {$190000.00} on a {$180000.00} mortgage after paying for 14 years. No answer. -I asked repeatedly for an explanation of some fees. No answer. -I asked repeatedly for the total sum of money I have already paid to them. No answer. -By my calculations I have paid them approximately {$330000.00} over 14 years on the {$180000.00} mortgage. The modification offered was for an additional {$600000.00} over another 40 years. Almost XXXX XXXX dollars for a {$180000.00} mortgage.
05/15/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10465
 Web Older American, Servicemember
I am an XXXX XXXX XXXX XXXX senior citizen who is a surviving spouse of a USA Veteran. Sho rtly after my husband passed away, I applied for a new mortgage on XXXX XXXX , XXXX , with XXXX XXXX XXXX e XXXX XXXX XXXX At that time I did n't know that it was an " Interest Only Period Fixed Rate Note Loan # XXXX . Shortly after that the loan was sold to XXXX and then to The XXXX XXXX XXXX XXXX , Loan # XXXX . My niece " XXXX XXXX who is my Attorney-in-Fact has been assiduously working on this Loan Modification since XXXX XXXX , XXXX A counselor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX on XXXX informed us that it was a " Predatory Lending Mortgage ''. At our first foreclosure settlement conference on XXXX XXXX , XXXX , a court appointe d Lawyer , XXXX XXXX informed us once again, that is was a Predatory Note. At the Foreclos ure Prevention Unit at t he XXXX XXXX Court House, XXXX XXXX , an Attorney Fellow stated in in his email to us dated XXXX , that he could now say that this Predatory Loan was not supposed to raise her monthly payment amount that increased it by over {$500.00} - a 25 % increase! We are not sure, but we think that these lenders violated the Truth & Lending Act/TIILA and we may have grounds to file a Civil Lawsuit. The most recent Loan Servicing Company that denied the last Loan Modification was, Bayview Loan Sevicing, LLC. ( See Attached l etter dated XXXX XXXX , XXXX ).
02/05/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • NY
  • 11201
 Web
My home mortgage originated with XXXX Mortgage and was transferred to servicing by Bayview Mortgage a couple of years ago. At that time, within a couple of months, my XXXX ARM ( with XXXX remaining years on it ) was modified to interest only payments based on 40 year payout without my permission or consent. When the 10 years was up and my mortgage was set to adjust ( downward due to lower interest rates ) I sent Bayview a qualified Respa complaint insisting that they adhere to the terms of my loan and give me notice 60 days before adjustment to XXXX XXXX XXXX 1 year rate + 2.25 % margin rounded to nearest 0.125 %. The interest was I was informed changed from 6.625 % to 4.625 % based on 20 years remaining ( not XXXX or XXXX ) because it " could n't change more than 2 % on any single adjustment ''. I had made payments of principal in advance and for a month they moved my money around in and out of different categories from escrow, to interest, to payments and it took them over a month and several phone calls for them to finally get it right. Then, all of a sudden my interest rate went down to 3.375 % with no explanation. I paid XXXX, XXXX and XXXX payments. I went to pay my XXXX payment ( in advance as I do when able ) and all of a sudden my interest rate is 3.875 %. It seems Bayview changes the terms of my mortgage and interest rates willy-nilly with no consent, notification or explanation. I am worried the next adjustment ( s ) will be detrimental, as they do not follow what is written in my " note ''.
04/10/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Threatened to take legal action
  • IL
  • 60504
 Web
I have received calls from this number on my personal phone, and at my place of employment. The XXXX caller was a gentleman, and he would not give me his name or the name of the company he represents. He only said that he works with a locator service and he needed to verify my address so that I would n't miss a court day. He also wanted me to call a certain number. At that time I told him that I could not give him any information since he had n't given me enough details. He went on to tell me that a complaint had been filed against me and he gave me no specifics, and that he wanted to make sure I did n't miss a court date. He claimed that he 'd sent information to my home and it was returned. I have lived in the same home for about XXXX years, so I did n't believe him. Today I received a similar call, but this time a lady left a name. She also said that she was calling from a locator service. She said her name is XXXX XXXX, and she could be reached at XXXX XXXX XXXX XXXX, Ext. XXXX. The message she left said that a complaint had been filed against me, that I had been " serviced this morning '', and that she would be calling the human resources or risk management at my place of employment so that I can be served on site without incident. The work day is over and I have not been 'served '. She also called me at work today, and she called my employer as well. She also called a relative, and left a message. When I called the number left on the message, the recording said the name of the company is Bayview.
06/06/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NJ
  • 07055
 Web
In the beginning of XXXX XXXX , I began working with XXXX XXXX from Bayview Loan Servicing , LLC. I am a XXXX , and for about 2 months I had been working with XXXX because XXXX XXXX , a seller who has an account/mortgage with Bayview wanted to do a short sale and sell his house to his tenant. For 2 months, XXXX lead me on assuring me that if I submitted everything he requested and had a complete file, he would stop the house from going into an auction sale, and the short sale between my clients, the seller and buyer, would be completed. I communicated with XXXX almost daily over the phone, which was always recorded by Bayview, and through email. XXXX XXXX XXXX was the deadline for us to have a complete file in order to stop the auction sale. On XXXX XXXX XXXX , XXXX sent me an email stating that the sale had been postponed and the house would not go on auction sale on XXXX XXXX XXXX . After XXXX XXXX XXXX , I continued to schedule appointments to speak with XXXX as I always did, but he would not call me, until yesterday, XXXX XXXX XXXX , he had his supervisor call me to tell me in an aggressive tone of voice that the house was sold on XXXX XXXX XXXX and that there was nothing else to be discussed between me and them. So ultimately, I 'm filing this complaint because XXXX and Bayview had me working for 2 months and were not truthful throughout the whole process. They took advantage of my clients and performed misrepresentation.
02/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CT
  • 060XX
 Web
Mortgage company : Community Loan Servicing 1. I had my mortgage with XXXX XXXX since I bought the house in XXXX. I applied for the forbearance due to COVID related issues. I did not pay my mortgage for about 7 months in XXXX. I started paying for my mortgage in XX/XX/XXXX and I was in the process of applying for the mortgage modification. During the process my mortgage was moved to Community Loan Servicing. I've been paying for mortgage regularly and on time as I was in the " trial '' period. The amount I paid per month was $ XXXX. I completed my trail period and made my last payment on XX/XX/XXXX. I received a load modification documents telling me that going forward I have to pay {$2400.00}. That's not the amount I agreed to or was told to pay the last XXXX months. I have 10 days to sign the documents but I'm refusing to because ( once again, that's not the amount I applied for or was told I'm going have to pay ). I contacted them multiple times and I've been on hold for about XXXX minutes and no one picks up the phone. the contact information provided on the documents is wrong ( wrong phone number and wrong e-mail address ). 2. The Community Loan Servicing also reported me to the credit burau and my credit score dropped XXXX points. I contacted them ( once again ) and they are telling me I missed a payment, but it is not true. I've been paying on time each month, and I have my bank statement to prove it. Unfortunately, I am also in a process of buy a new car so this impacted me significantly.
06/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32751
 Web Older American
To whom it may concern : Please see information attached which shows I signed and agreed to a modification on XX/XX/XXXX. Due to unemployment until XX/XX/XXXX, per the attached agreement I informed Bayview of my Employment and on several occasions contacted the office to put my loan back in good standing as Promised.Instead I now have a higher interest rate and also added interest separated from my principal in the amount of over {$37000.00} since XX/XX/XXXX I have paid more interest, and I have interest which is waiting for me to pay the loan in full. My loan was paid up by XXXX XXXX XXXX until i got a Job. When I started back to work the loan was caught up. I have tried to correct this for over 4 years. I am reaching retirement with my mortgage, in a situation that I was promised that the loan would be Refinanced or modified by Bayview, however when I called they told me they had no authority to do what they promised. I feel the promise was just to get me to sign the paperwork.Speaking to Representative after Representative then Mortgage transferred to still getting no help. Phone call after phone call has caused me so much frustration, I do not think at XXXX years of age I should have this battle, therefore I am really hoping to get this settled with help from CFPB. This is my second request for help, my property value is not increasing, and the home needs some repairs.I will be retiring in XX/XX/XXXX, and would like to do so in peace. I am providing the attached information. Regards, XXXX XXXX
11/17/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • FL
  • 33030
 Web
My name is XXXX XXXX owner of my XXXX grand mothers home. Her legal address of the subject property is XXXX XXXX XXXX XXXX, XXXX Fl. XXXX. I sold the home to the same purchaser over 12 months ago. From that time the bank without my permission accessed the home with their preservation team, cut down and mowed down thousands of dollars of plants and trees after we called the police twice, filed reports and my realtor notified their preservation team and their contractor MM mortgage. From that time the bank has agreed to a settlement for damages but Im waiting for them to settle. Furthermore the bank came back with a very inflated counter offer to the purchaser which was unsubstantiated from an appraisal standpoint. The purchase offer is {$260000.00}. The bank came back at {$330000.00}. Which I refuted and worked very closely with XXXX XXXX department head XXXX XXXX for over 3 1/2 months getting their own contractors bids to show there is over {$120000.00} worth of structural repairs needed for the property including roof decking, shingles, termite damage, under ground plumbing damage, mold, flooring, upgraded electrical service, kitchen and bath room remodeling etc. The 1st appraisal showed {$25000.00} in upgrades at the {$330000.00}. Price. Ounce we established the Home needs over {$120000.00}. As per Bayveiws own contractors bids, the bank still refused to reduce the price to meet the buyers offer. Can you please help me!!!!! Obviously something is very ascew. Thank you, XXXX XXXX ( XXXX XXXX XXXX
08/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91321
 Web
The lawyer 's charges were adding up, then, I decided to settle with Bayview. I spoke to XXXX XXXX my point of contact in Bayview on XX/XX/2018 regarding the payoff amount. He told me that I needed to pay {$24000.00} including all the late charges to bring my account current. However, on XX/XX/2018, I sent a cashier 's check by XXXX for {$24000.00} to Bayview which was the payoff amount to bring my account current. Bayview received and cashed the cashier 's check but still continued to send me threatening messages that the will foreclose my house if payment is not received. As a matter of fact, I overpaid Bayview and they need to refund me, they charge me for Escrow ( tax and insurance ). Bayview has no justification in charging me for Escrow. I always pay tax and insurance on my house direct by myself and I have fully paid the tax and insurance for this year. I have also an unapplied fund of {$1400.00} on my account which Bayview refuses to refund back to me. My regular mortgage payment is XXXX per month, now XXXX has increased my payment to {$2200.00} without any justification. Moreover, I paid the payoff charge of {$24.00}, XXXX in XX/XX/XXXXy and in XX/XX/XXXX, I paid another {$2200.00} which is my regular monthly payment. As of today, my account should have been current but Bayview sent me a billing statement showing an outstanding balance of {$5900.00}. At this point, it shows that they are trying to frustrate me. I have contacted my lawyer and I am going to take them to court. See Attached
06/15/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • ID
  • 837XX
 Web
My mortgage loan was being serviced by XXXX XXXX XXXX for the past 5+ years. I filed bankruptcy under Chapter XXXX in XXXX of XXXX. I was not in arrears, and my plan indicated I was to pay my mortgage payment monthly outside of the plan. XXXX XXXX XXXX sent me monthly statements every single month, as well as quarterly escrow account reviews, so I could know when to pay, how much to pay, etc. My monthly statements showed by loan balance, my escrow balance, my payment breakdown, and an explanation of amount due. My loan was transferred to Bayview Loan Servicing in XXXX of XXXX. I have not received ANY correspondence from Bayview Loan Servicing other than the initial welcome letter. In other words, they refuse to send me my billing statements each month. They will not send me any information about my account unless I call every month to ask them to send my ledger. They claim they are prohibited from sending me monthly invoice statements. However, That can not be true if XXXX XXXX XXXX was sending invoices every month. How can I keep abreast of my finances if I am not receiving any information on the bills I am to pay? Chapter XXXX bankruptcy should not prohibit me from receiving information about my mortgage loan on a monthly basis. I am not aware of any law or provision in the bankruptcy code that prohibits mortgage companies from sending an invoice each month, especially in a Chapter XXXX where I am to continue to make regular monthly payments and have agreed to do so in my Chapter XXXX plan.
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NH
  • 038XX
 Web
In XXXX my wife and I were on a forbearance plan. Once we successfully completed that, we entered into a repayment plan with XXXX XXXXXXXX XXXX and starting paying to them immediately when instructed to by the agreement. This started in XXXX. According to our new mortgage holder ( this was apparently switched over to CLS from XXXX unknown to us in XXXX ), Community Loan Servicing ( CLS ), we never made a XXXX payment. This has decimated my credit. It has put our application for a equity loan on our home on indefinite hold. We were also planning on refinancing, and several letters received by Community Loan Servicing via certified mail that our home would be entered into a foreclosure ( Notice of Default and Intent to Accelerate ) on XX/XX/XXXX, as well as on XX/XX/XXXX. These letters have caused so much undue stress to our family that I have been prescribed sleep medication to help deal with my anxiety about potentially losing our home. I have missed several days of work due to my XXXX. As you can see from the attached, we did in fact make XXXX 's payment according to the payment plan on XX/XX/XXXX. ( XXXX 's payment was, of course, made on XX/XX/XXXX of {$3100.00} ) which was the start of the repayment plan. We have also made every subsequent payment, on time, including this XXXX 's payment. I have already asked CLS to make note of this and report to the credit companies their error, but they refused. My credit is still damaged and my health is suffering due to my anxiety and XXXX.
01/22/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92656
 Web Older American
On XX/XX/XXXXBayview Loan Servicing ( BLS ) bought our Mortgage Loan from XXXX XXXX. Since XX/XX/XXXX, we have had nothing but headaches with the new XXXX XXXX XXXX. We have made ALL ( 100 % ) our monthly payments on time ( {$2600.00} ). We do pay our Property Taxes and Property Insurance on our own ... no need for an escrow account. This is exactly the same way we did operate with XXXX and how the terms of the loan were approved by XXXX and ourselves. We made several phone calls to Bayview Loan Servicing ( BLS ), left messages and not only that NOBODY did return our phone call messages, worst is that nobody from BLS was able to make a correction to our claims and they keep insisting in that we owe them money..!!? A letter from them dated XX/XX/XXXX was recently received telling us of an " intent to accelerate '' and that we're in default. A lender like BLS doesn't not deserve to be a part of our community. When we tried to make our payments on line, either the website is not working OR they are listing a phone number that offers you many different products to be purchased!! Instead of making it easier for the customer to make their payments ... .sometimes we wonder if what they do is trying for customers to either miss their payments on time, so that they can collect outrageous fees..!! Attached you'll find copies showing : 1 ) Letter Notice of Default 2 ) Letter showing Property Taxes paid up-to-date 3 ) Property Insurance Installment Notice showing we're paid up-to-date
05/27/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89108
 Web
I received the answer from my complaint, yet this did not answer my questions nor did it solve the issue. Again I asked for a complete statement of payments, none has come. My monthly bill is {$720.00}. I answered the last complaint in letting you kno w Bayview has had more than enough time to produce the document I requested. This has not happened. My XX/XX/XXXX bill again was {$720.00} I have made payments Totaling {$850.00}. thus the balance for XX/XX/XXXX should have started at, {$590.00}. This balance is offset by my payments thus far in the month of XX/XX/XXXX of {$810.00}. My balance to start XX/XX/XXXX should be {$500.00}. This is not showing on their site, only the last payment of {$10000.00} from XX/XX/XXXX shows.

Also there is still the matter of the Attorney fees, again their contracted attorney has yet to answer my certified letter on them mailing 20+ copies of letters to my tenant, who is not on the loan nor has interest in this property. I am demanding half of the attorney fees be returned by Bayview for failure to do their due diligence on this matter. It was their attorney that did not do the work, let them refund me and collect the money from their attorney. This would be well over {$550.00} of fees to be returned.

LET THEM KNOW THEY ARE ON NOTICE AND I WILL SUE THEM SHOULD THEY OBFUSCATE ANY LONGER. I have continued to call and follow up on this matter, yet they will not be forthcoming on this. Their canned letter of response is not acceptable.

09/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 20772
 Web
I am currently in a modification program with Bayview Loan Servicing. I was initially denied the modification in XX/XX/XXXX, but received a notice that trial payments were to start effective with the XXXX 2016 payment. I sent my first payment due XXXX XXXX, 2016 via USPS certified mail. The payment was sent on XXXX/XXXX/16 and arrived on XXXX/XXXX/16. I received my green card and knew how long it would get there. My payment for XXXX 2016, I just sent via regular mail because I did not have time to go to the post office. I mailed it on XXXX/XXXX/16. Today if XXXX/XXXX/16 and the payment has not posted to my bank account. I 've tried calling the customer service number ( XXXX ), but all I get is that no one is available to take my call and that the voice mail is full and I can not leave a message. I 've also sent an email on XXXX/XXXX/16 to customer inquiring about the status of my payment and why it has not been posted. I 've read complaints about this company and of how they will hold payments to make you appear late to either disqualify from your modification plan or report you to the credit bureau. I feel that is what they are trying to do to me. As of today, I will be sending Bayview customer service another email informing them that I will be placing a stop payment on the check that was mailed and that I will be processing the payment over the phone. I do not want this to disqualify me from completing the trial payments for the modification which I feel Bayview is trying to do.
11/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28262
 Web Servicemember
Bayview Servicing was my mortgage company on an investment property. Unfortunately, that mortgage terminated with a foreclosure. The delinquency that led to that foreclosure began in XX/XX/XXXX as indicated on the attached mortgage statement from that month and further evidenced by the XX/XX/XXXX statement. So, therefore, on my credit report, the date of first delinquency should reflect XX/XX/XXXX or XX/XX/XXXX at the latest ... which means the derogatory reference should have come off my report at the end of XX/XX/XXXX or should come off at the end of XX/XX/XXXX. When I pulled my credit report in XX/XX/XXXX, the date of first delinquency was correctly ( ish ) reflected as XX/XX/XXXX - see attached credit report from XXXX. Sometime between then and XX/XX/XXXX, Bayview changed the date of first delinquency to XX/XX/XXXX. That date is not correct and therefore delays the account from being removed from my credit report. I disputed this error through XXXX twice - the second time I added the mortgage statement. Each time, the result came back that " consumer dispute not specific '' even though I not only checked the box that reads date of delinquency incorrect, I also added text specifying the error and attached the mortgage statement. Attached are the dispute results showing that " not specific '' comment. To resolve, I am seeking help from CFPB to force this correction on my credit report, so that this derogatory reference rolls off appropriately as soon as possible in XXXX.
02/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IA
  • 527XX
 Web Servicemember
Our Mortgage was originally with XXXXXXXX XXXX. Unfortunately there were some health issues in XXXX and XXXX that caused us to start falling behind. We requested a modification to the loan - at this time we were only 45 days past due but trying to keep up with the regular payments. XXXX XXXX started the modification process, however in the 3rd month of our modified payment trial XXXX XXXX sold the loan to Bayview Loan Servicing LLC. We were told by XXXX XXXX that Bayview would honor the modification. Bayview did NOT. We started this process in XXXX of XXXX with XXXX XXXX As of today XX/XX/XXXX the modification is not complete with Bayview. We are making our modified payment to Bayview on time each month yet we are told that there is one thing or another preventing the modification. The latest challenge has been the home equity loan we have on the house, Bayview needed the credit union to subordinate the title. We spoke with the Credit union and they sent the required document list to Bayview in XXXX of XXXX. As of this date XX/XX/XXXX Bayview has yet to send the correct documents to the credit union to finalize the modification. The fear now is that all the money we sent to Bayview that was put in suspense will be eaten by fees and charges rather than going towards the loan. We have requested a transaction report several times but have received nothing. I am attaching a detailed timeline of events document to this complaint as it is too large to type into the window provided.
03/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 321XX
 Web
Bayview Loan servicing L.L.C. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Has been discriminating against me for over 5 years now! I recently completed my US Bankruptcy Court Chapter XXXX Bankruptcy, Final month of completion was XX/XX/XXXX, The Bankruptcy was Discharged on XX/XX/XXXX. BLS has completly abused me after they assumed my mortgage XX/XX/XXXX from XXXX XX/XX/XXXX. I have composed an eight page letter, describing in detail, how BLS has been misapplying my monthly payments, holding them " in suspense '' for no valid reason, and thus due to their unorthodox accounting and billing practices, made it appear that I was late in paying, when in fact the exact oppisite is true, I started making payments at least one month early. Many of the statements BLS sends me, are unintellegible, and impossible to figure out what it says. ( statement for XX/XX/XXXX in particular ) I have called BLS customer service at least eight times trying to get their errors corrected. BLS keeps promising to send me a full accounting of my account, however 3 weeks later I still have nothing from BLS, they are not honoring my requests, falsely reported me to the three credit bureaus that I was late in 2 payments! BLS has sent multiple statements for the same month. I need CFPB 's Help in getting BLS to set the record strait and correct the negative reporting to the three credit bureaus. BLS recently cost me getting a refinance because of their false credit reporting! Please, Please Help! Thank You!
06/26/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20735
 Web
I am executor of my father 's estate. My father had an existing mortgage loan through XXXX that was subsequently transferred to Bayview Loan Servicing 8 months after his death. The loan with XXXX was current at the time it was transferred to Bayview Loan Servicing. Bayview Loan Servicing received the mortgage and attached a {$200.00} late payment to the account which is unexplained. They refuse to remove those charges which I currently dispute. On XXXX XXXX, 2015, I made an online internet payment for the month of XXXX. A week later the available funds were never drafted from the designated account and Bayview loan attached a {$35.00} NSF fee to the mortgage account on top of the {$200.00} late fee payment that they insist that the estate pay. The NSF fee is because they were supposedly unable to locate the bank account ( not insufficient funds ). The funds were indeed available at the time. Bayview Loan Servicing said that they can not help or remove any of these fees. We are only 60 days into this relationship with this company and it is a headache. The negative reviews for Bayview is 85 % or higher. This loan servicer should be investigated immediately because their business practices and unexplained fees appear to be unethical. I am asking CFPB to step in and mediate and penalize where necessary on behalf of my father 's estate and other consumers who have been affected by their practices. I am thoroughly convinced that this company is violating consumer protection laws.
04/27/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30127
 Web
my name is XXXX XXXX XXXX : NOT XXXX RECEIVED LETTER FROM YOU XX/XX/XXXX WHATIS ITGOING TO TAKE YOU PEOPLE TO UNSTAND I DO NOT OWE XX/XX/XXXX PAYMENT IF SOME ONE WOULD LOOK AT THE NOTE THEIR IS ONE SAID I HAD PAYED A EXTRA PAYMENT NONE DUE IN XXXX. I SPOKE TO A LADY WHO CONFIRMED IT WAS NOT DUE, JUST GOT ANOTHER LETTER TODAY RE : HAMP-HOME INSURANCE I RECEIVED A LETTER FROM BAYVIEW SAYING INSURANCE GOING UP AND IF I WANT TO DISPUT IT SEND A LETTER I DID ON XX/XX/XXXX-HAS MY ACCOUNT # -STICKER WITH MY NAME ON IT-WHY CA N'T YOUR DPT DO YOUR JOB AND TAKE CARE OF THE PEOPLE WHO PAY THE PAYMENTS : ALSO THE BAYVIEW CALLS ME ON XX/XX/XXXX SAYING NEVER RECEIVED SEVERAL PAYMENT NOT TRUE I HAVE PROVIT MONEY ORDER THEY WERE CASHED ASK THEM TO CHECK IT OUT ALSO WHY WOULD I DAMAGE THE MODIFACTION THAT TOOK 2YRS TO GET EVERY SENCE XXXX TOOK OVER IT TAKE 4DYS TO GET TO THEIR BANK WHICH I HAVE PROVE ALSO BUT THEY SAY AFTER IT GET TO A BANK THEN THEY WAIT ON THEIR CHECK WHICH MAKES NO SENCE WHEN I SEND MONEY TO FLORIDA IT ONLY TOOK 3DYS NO PROLEMS DO YOU AND BAYVIEW LIKE SEEING PEOPLE LIKE ME WHO WORKS HARD TO KEEP BILLS ON TRACK AND NEVER LATE DONOT CARE WHAT THEY SAY DO YOUR JOB AND MAKE THEM FIX IT I HOPE SOME DAY THE GOVEMENT FINES YOUR COMPANY FOR NOT TAKEING CARE OF THE PEOPLE YOU COMPLAINTING ABOUT.BAYVIEW LOAN IS-XXXX-IF I DO NOT GET ANY WERE WITH YOUR COMPANY I WILL TRY HIGHER UP WITH XXXX XXXX OFFICE -OR ON TV/RADIO I AM NOT JOKING.PLEASE HELP ALL I AM ASKING THAT YOU DO YOUR JOB.
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NH
  • 038XX
 Web
In XXXX my wife and I were on a forbearance plan. Once we successfully completed that, we entered into a repayment plan with XXXXXXXX XXXX XXXX and starting paying to them immediately when instructed to by the agreement. This started in XXXX. According to our new mortgage holder ( this was apparently switched over to CLS from XXXX unknown to us in XXXX ), Community Loan Servicing ( CLS ), we never made a XXXX payment. This has decimated my credit. It has put our application for a equity loan on our home on indefinite hold. We were also planning on refinancing, and several letters received by Community Loan Servicing via certified mail that our home would be entered into a foreclosure ( Notice of Default and Intent to Accelerate ) on XX/XX/XXXX, as well as on XX/XX/XXXX. These letters have caused so much undue stress to our family that I have been prescribed XXXX XXXX to help deal with my XXXX about potentially losing our home. I have missed several days of work due to my XXXX. As you can see from the attached, we did in fact make XXXX 's payment according to the payment plan on XX/XX/XXXX. ( XXXX 's payment was, of course, made on XX/XX/XXXX of {$3100.00} ) which was the start of the repayment plan. We have also made every subsequent payment, on time, including this XXXX 's payment. I have already asked CLS to make note of this and report to the credit companies their error, but they refused. My credit is still damaged and my health is suffering due to my XXXX and XXXX.
10/09/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 92557
 Web
I am behind on my mortgage due to XXXX XXXX XXXX and it 's complications. I have been awarded Social Security XXXX, and have notified my lender of such. I am working with XXXX XXXX XXXX at Bayview Loan Servicing , LLC and he is aware of this. He and I are going to work with Keep Your Home California to modify my loan AS SOON AS XXXX PAYMENTS START XXXX/XXXX/2016. I have repeatedly offered to send XXXX XXXX copies of my Award Letter showing that my payments start on XXXX XXXX, 2016. He has refused, saying that he can only use a bank statement showing my first deposit. In the meantime, Bayview has started foreclosure proceedings through XXXX XXXX. I called XXXX XXXX and he said they were " just doing their due diligence, not to worry ''. In the meantime, I called XXXX XXXX and was told that XXXX XXXX gave me the wrong information. They said XXXX XXXX should talk to his legal department to have them rescind the foreclosure. I called XXXX XXXX and asked him to speak with his legal department and he refused, saying that " Everyone has a story, I ca n't call them on each and every case ''. I again asked to fax him the XXXX paperwork showing my award and first pay date. He flatly refused to accept them. Fortunately, XXXX XXXX has stated that each call is on a recorded line. I also recorded our last conversation on my end, in case his recordings get lost. I am also attaching a letter that I am faxing to XXXX XXXX. They told me they would send it on to Bayview Loan Servicing , LLC
06/04/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20745
 Web
I fell behind in my Mortgage XXXX of XXXX, I was put on a Repayment plan with Bay View Loan Servicing, I ended up making multiple payments, My balance for XXXX ended up being {$4.00}, XXXX so I mistakenly made XXXX payments in the month of XXXX XXXX payment was for $ XXXX XXXX XXXX at this point my balance was {$4400.00} so I made Additional payments on XXXX XXXX {$2000.00} and XXXX XXXX {$890.00} I was told be Representatives at Bayview loan Servicing that I was fully paid through XX/XX/XXXX.I then receive a Statement for XXXX XXXX stating I owed for XXXX {$2.00}, XXXX What is so confusing I begin to receive calls from People saying they wanted more money than once I called Bayview a man by the name of XXXX said do n't worry trust his words I am paid through XXXX. On XXXX XXXX XXXX I called to inquiry about this additional payment for XXXX another Representative stated that I still owe for XXXX at this point I am Stressed completely out of my mind, I begin receiving letters from Bayview loab Servicing with no name on the letter trying to Threaten me and Exstrot more money out of me, I could n't believe what was happening, I also noticed that my XXXX statement did not have the additional XXXX payments that I had over paid Bayview leaving Bayview to owe me $ XXXX I am warning everyone who deals with these people to read carefully and Demand statements from Bayview and other Companies that Claim to be helping you make home Affordable act. They could be ripping you off!
03/19/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • MD
  • 20603
 Web
About three years ago I attempted to assume grandparents estate because I am the estate representative and the home was willed to me. I filed all the appropriate paperwork and Bayview Loan Servicing/Community Loan Servicing denied me and would accept me as the representative although I had the official court docs. I filed case # XXXX and Bayview overturned the decision allowing me to begin the process. A few months later that modified the loan in 2019 and then told me they were supposed to make me assume the loan before modifying. I've spent the last 2 years going through the assumption process due to their delays. The loan was FINALLY assumed officially last year in XXXX, I signed paperwork for modification in XX/XX/2019 and yet I still have no modification paperwork. It's years later and the company has been holding all of my payments and has continued to charge me 3 years of fees for late fees, legal fees and fees for having to front the money. This is fraudulently being done at my expense! I've been paying them since they originally approved the modification of my grandparents loan. I am still 3years later not able to write the interest off on my taxes continuously see years worth of fees being allocated to me fraudulently! They owe me all the fees from the point that they denied my paperwork in error 3 years ago. I have a timeline of documents including the dates and letters from the modifications, emails with the assumptions department etc. This is unethical.
01/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NM
  • 875XX
 Web
On XXXX XXXX, XXXX, I contacted Bayview via fax and notified them that the loan for which it claims to be servicer was cancelled by written notice mailed to XXXX XXXX XXXX at least as early as XXXX XXXX, XXXX pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX that same letter, I asked Bayview to not contact me again regarding the loan at issue. Since that time Bayview has repeatedly contacted me falsely claiming that I have " requested to be reviewed for a mortgage loan modification. '' I have attached a small sample of the letters Bayview sent after I asked them not to contact me dated ; XXXX XXXX, XXXX ( XXXXXXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX, XXXX XXXX XXXX ). These represent but a few of the harassing contacts and the frequency of the dates are a clear indication of the harassment. On XXXX XXXX, XXXX, Bayview sent a representative to my home claiming that Bayview had not heard from me and that Bayview believed that I had abandoned my property. Meanwhile, there is another party who has filed a foreclosure action on the very same loan in state court. Bayview 's contacts are harassing, and I have already notified it that the mortgage loan at issue was cancelled at least as early as XXXX pursuant to XXXX XXXX XXXX yet it has been months since that notification, and Bayview has provided no response whatsoever. It simply continues to send me modification packages falsely claiming I have requested those packages when I have not.
04/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OK
  • 74066
 Web Older American
Regarding Community Loan Servicing Our mortgage was to be paid in full in XXXX, XXXX, however, at that time, we were told that we had one late payment ( untrue because we were set up on auto pay ) and no other explanation but we still owed {$6600.00}. We sent {$2100.00} in XXXX, XXXX but it was returned because we did not have a pay plan in place. We called to set up a pay plan of {$630.00} per month and started paying {$700.00} per month starting in XXXX and the payments were in a holding account and not being applied.. Our last payment was made on XX/XX/XXXX. XXXX ( husband ) tried calling on XX/XX/XXXX to make a payment. He was on the phone for about XXXX hours. The first person told him that the payment was {$280.00} but wasn't sure after looking at our account. He was transferred to another person who stated we owed {$140.00} but still wasn't sure and then was transferred to a XXXX. Our regular XXXX who XXXX had spoken to in XXXX was not available. He spoke with XXXX XXXX and XXXX stated that our account was paid in full and not payment was due, I ( XXXX, wife ) then logged on to our account and yes, it showed our account was paid in full I think. We do not know where we stand at this time. XXXX has called without success and I have emailed XXXX different email addresses trying to get this figured out. I even got a read receipt from one email but still no contact and no solution. I am enclosing documents and I hope you can make better since of it than I can.
06/13/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 53189
 Web
This is the continuation of the previous case # XXXX XXXX. We have the financial explanation from the processors and submit in specific evidence of their inaccuracies the payment of XXXX taxes. XXXX claims they paid the taxes. The city and county placed a lien on the property and without payment were going to foreclose. There were several independent payments made by me to satisfy the lien and stop the foreclosure process. Without forensic financial review capabilities, it is difficult to accurately claim other discrepancies. There is no mention of who at and why XXXX applied an additional {$200000.00} charge on our 2nd mortgage and how much interest they had charged on the {$200000.00}. What are the legal consequences of arbitrarily adding such a large sum of money? This action along with not sufficiently explaining their actions catapulted the mistrust and deciding to hold them accountable for their actions. The reason for bankruptcy is in part due to this continuous deceit from XXXX. Why keep changing the processors and how much of the fees they incurred came from changing processors? Their financial representation does not match that of the XXXX city and county tax assessors records. Once they removed the {$200000.00} fee wrongfully/illegally to our second mortgage we were supposed to receive information identifying any charges and interest associated with the {$200000.00} and that was going to be applied to a reduction in principle. What happens now?
12/31/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Application, originator, mortgage broker
  • FL
  • 33511
 Web Older American
Firstly, I 've been switched around from one mortgage company to another without any notification. That being said, I was with XXXX bank for about 7 years with an interest only loan when they switched me to Bay View Loan Servicing. While in the process of obtaining a modification, which I 'm told I must be at least 2 months late to qualify, I kept receiving calls and letters for payment for which I informed them that I was in the process of a modification by your own bank, so please stop sending letters and phone calls. This has continued for over 5 months now ; have been approved for the loan modification, for which I have made two payment already. They continue. It 's clearly a case of the left not knowing what the right is doing. One end of the bank is collecting while the other is setting up a new loan. Do n't they communicate? This situation is prevalent throughout the financial world. I can blame technology and particularly automation on this problem. Instead of becoming more productive, we are becoming less with thousands of similar problems because people are getting lazy as a result. No one looks into matter anymore thinking automation will take care of it On top of that I have a home equity line which was not considered. In addition, they are providing this information to the XXXX credit reporting companies that I am late every month on my payments, thus really ruining my credit, with no information relating to the fact that its a loan modification.
01/06/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 119XX
 Web
XX/XX/2020 XXXX and XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, NY XXXX Good morning, We're reaching out to you, this morning, to bring to your attention the questionable behavior of Bayview home loans, as well as their attorneys, XXXX XXXX. My husband and I have been working with Bayview Home Loans since XXXX, attempting to negotiate a Forbearance Plan. We submitted a complete request package on XX/XX/XXXX and shortly thereafter were notified, via mail, by XXXX XXXX that there is a pending hearing scheduled for XX/XX/XXXX. Not only does Bayview have no record of REQUESTING this hearing, they have no record on file of the hearing date scheduled or of giving XXXX XXXX permission to schedule it. We've spoken to Bayview on three separate times regarding this matter - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On each of those conversations, Bayview Home Loans confirmed for us that there was NO HEARING SCHEDULED and they had NOT GIVEN permission to XXXX XXXX to do so. We're extremely concerned about this situation, given that we can't get a straight answer from either organization and we're asking that you step in and request that this hearing be immediately put on hold. Once again, we are actively engaged in negotiations with Bayview Home Loans - given that, under federal guidelines, no legal action can take place until the determination of our request is completed. I can be reached at XXXX anytime. Thank you for your assistance with this, XXXX XXXX
05/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33029
 Web
I entered into a COVID-19 Forbearance Plan with my mortgage servicer, Bayview Loan Servicing LLC. A copy of the Forbearance Agreement is attached. The agreement was entered on XX/XX/XXXX. The agreement states that it covers payments for the months of XXXX, XXXX, and XXXX of 2020. Representatives at Bayview have confirmed to me that payment for XXXX, XXXX, and XXXX did not have to be made and there will be no late fees and the credit report will continue to show as current. On XX/XX/XXXX, Bayview reported my account to the credit bureaus as 30 days late for the month of XXXX. They also charged me a late fee and continue to show my account as past due. On XX/XX/XXXX I called Bayview again and was connected with XXXX XXXX XXXX with their escalations department. XXXX reviewed the account and told me that I was 100 % protected with the forbearance agreement. I copy of the email communication with XXXX is also attached. On XX/XX/XXXX Bayview reported my account as 30 days past due for the month of XXXX. Now I have XXXX and XXXX showing as 30 days past due. Both months of which are covered by the Forbearance Agreement. I am including a copy of my credit report to show both late-payments and the past due status. Just to be clear, I was not 30 days past due at the time of the agreement or the month prior to the agreement. I am currently in the process of obtaining necessary financing and this incorrect reporting is seriously jeopardizing that possibility.
05/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 934XX
 Web
I started my loan modification process with XXXX XXXX XXXX in XX/XX/XXXX. I thought I was nearing the end of the process and near a decision on my request when my loan was sold to Bayview Loan Servicing. Ultimately the process had to be restarted and I've been working on that for more than a year. Through this reapplication and review period I've been trying to establish how many payments I've missed. After much back and forth, I finally got something from Bayview. While I agree with the payments missed with Bayview, they show I've missed payments when my loan was with XXXX XXXX XXXX. I am still disputing the validity of debt that Bayview says I have with the previous servicer of my loan ( XXXX XXXX XXXX ) It does not agree with my records at all.. Meanwhile I've been trying to make regular payments and have been in regular contact with the asset manager at Bayview. In this past week I have been trying to get in contact with him to make another payment. I have been attempting to reach him by phone and by email. Finally after days of trying I got a message the phone number was no longer in service and my email was returned as undeliverable. Finally I was able to get through to someone at Bayview only to find out my file as assigned to another asset manager so I could successfully make a payment on time. I have not gotten any correspondence letting me know about this change of personel. I am frustrated by their lack of attention and customer service.
07/29/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19720
 Web
i am currently in bankruptcy chapter XXXX awaiting discharge. The company Bayview Loan servicing acquired my account at the same time the bankruptcy final payment was made. They have been holding up this process for 11 months with no explanation. Every time they continue the case in court, I 'm required to continue to pay the higher mortgage cost due to an escrow shortage which was paid completely months ago. Since then, they have continued the case every month. They now are claiming i have a escrow shortage of {$460.00} however, I 've made XXXX payments ( {$430.00} toward escrow/mo ) since the original escrow from last year was paid off and they have not applied any of those payments to the current escrow analysis. Once I 've provided docs proving i do n't owe them anything, they then claim i owe them 3 month payments of XX/XX/2014 which i have also provided them and their attorney with the check copies. They have been bouncing back and forth between the escrow shortage and the XXXX payments. I have made every single payment and paid off the previous escrow shortage. i feel they are prolonging this on purpose to get an additional {$270.00} roughly from me every month. i do NOT owe this company any money. They have continued XXXX court hearings and can not provide me with proof that i owe them while i have been the XXXX to provide all the documents proving my side. i want my account adjusted properly and any overage be applied to the principal.
03/30/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85209
 Web Older American
We had a hardship situation between XX/XX/XXXX and XX/XX/XXXX that caused us to file bankruptcy and we could n't make our mortgage payments. I will attach a " Hardship Letter '', explaining details. We have been working with Bayview Loan Servicing to get our mortgage modified or restructured to include the payments we missed. We provided them with hundreds of pages of documents. They say they send them to their underwriting department and then we get a notice saying we did n't provide everything they needed and therefore they ca n't modify our loan. Then we contact them and say we did provide everything they needed and the whole process starts over again. This has been going on for over a year. Recently, they started foreclosure proceedings and we have a Trustee Sale Date of XX/XX/XXXX. Since then I have contacted everyone I possible could to save our home and get Bayview to follow through. I have sent information to the White House, both of my Congressmen, Senators and XXXX Ethics Department ( they are the original mortgage holder ). I have sent everything Bayview has asked for. The most recent communication from them indicates they will have a resolution by XX/XX/XXXX, but they have given us a date like this, over and over and nothing happens. I ca n't sit back an wait for them to take my home. I need help to get them to take action. If they will just include the payments we 've missed in our mortgage, we can make our payments and be fine.
09/23/2016 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AK
  • XXXXX
 Web Servicemember
My uncle had a little house is XXXX Washington. The lenders kept sucking him into cash out refinance and continued to attempt to do it even after being told he had XXXX. I am a real estate broker and quickly ran comps. He was upside down during the time they were still trying to cash out refinance. The house was worth about XXXX and he owed XXXX. I cleaned up the house so he could go home to live his final days and I cleaned it out more upon his death. I live in Alaska and this involved several trips and time away from my business to do so. The bank then tried to get a default judgment on me even though I was never living in the home, never a signer on his bank account, and never on his mortgage and I lived over XXXX miles away! I had to spend thousands of dollars defending myself from this legal action. My husband and I were in the process of building a home a home here, and this would have messed up our financing! Despite a court order dismissing me from the case, the bank continues to try and collect from me. My uncle passed on XX/XX/XXXX and I 'm filing this complaint on XX/XX/XXXX. XXXX XXXX XXXX XXXX is a predatory lender on XXXX veterans, and Bayview Loan Servicing is unscrupulous company that is violating the debt collection laws. Also, note that I left the house cleaner than any repo I 've handled in my 17 years in the real estate industry. Please note : I put my personal information on this form. My uncle was the retired veteran.
07/07/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60660
 Web
I have been paying my mortgage for 10 years. Bayview loan serving acquired my mortgage years ago after the bank, XXXX XXXX went out of business. Last year I had XXXX XXXX and became no more than 2 months behind on my payments before then I never missed a payment. I began the Bayview process of modification after finding out I would not be returning to work and had to rely on Social Security XXXX XXXX. The woman assigned to me, XXXX I believe said if I provided her with bank statements, proof of SS and expense statement that I would pay a lower amount, {$620.00} or so for 3 months on the XXXX of XXXX through XXXX my loan would be modified and the would have to sign the paperwork. My original payment prior was I believe {$840.00} or so. I paid the {$620.00} for 3 months. I was sent a XXXX the last week of XXXX to modify my loan to the modification and the amount was {$780.00} a {$34.00} difference from my original mortgage payment Bayview wanted starting in XXXX. I told XXXX XXXX that was not the agreement and was not given enough time to go to the bank for witnesses and a notoriety and I couldn't afford the payment. I did pay XXXX for the lower amount. I was sent another XXXX the last week of XXXX saying sign and pay the modification for XX/XX/2020 by the XXXX for the {$780.00}. I called on XX/XX/XXXX but was continuously hung up on by the phone system. Unable to pay online or by phone by Bayview I am now filing a complaint. XXXX XXXX
11/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92883
 Web
I applied for a loan modification with bayview loan servicing i submitted a complete package my income and financial situation has improved and i would like save my home, my loan application was denied by bayview because it wasn't in there best interest to modify my loan because my property is upside down, this is the reason I`am seeking a loan modification after hearing this i did some research and discover several things that were wrong with my loan, first off the company that originated the loan was located out of the State of California the transaction and process of my loan was completely done over the phone, i didn't receive disclosures regarding loan, documents to read and understand the loan, nor did have any options for any other types of loan products, nor was there a right to rescind the loan included in the documents, but the biggest issue of all was the Truth in lending stated one rate of interest and the mortgage note stated another rate also the first mortgage statement had yet another rate of interest which governs the payments and loan balances. now bayview is stating that i owe a certain amount and i believe its a different amount which is the heart of the matter and why bayview loan servicing has denied my loan for modification, this was a bad loan from the start and i know that there are many federal laws that have been violated by the lender of this subprime loan, so a federal lawsuit is also a option on the table,
10/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75224
 Web
Bayview Asset Management , LLC - Concur with Bayview Loan Servicing , LLC XX/XX/XXXX - I received the revised XXXX 1098 Year End Mortgage Int. Statement - The Revised statement as of XX/XX/XXXX states the principal balance was {$290000.00} and BLS is reporting total interest received was {$14000.00} showing a reduction of {$10000.00} BLS how did you derive at this amount? Your correspondence letter gave no explanation - BAYVIEW LOAN SERVICING EXPLAIN THE DESCREPENCY in detail. To help you figure it out ... I have attached the Payment History Excel file from the BLS Customer Web Portal - LOOK at row 58 and 60 highlighted in YELLOW. The report shows there was {$24000.00} in the suspense account on XX/XX/XXXX. On XX/XX/XXXX the Suspense account Balance decreased ( {$16000.00} ) and the principal balance was reported to be {$290000.00} - WHAT HAPPENED TO THE {$16000.00}??? There is no balance reported for XX/XX/XXXX in the report as stamped on XXXX 1098 Year End Mortgage Statement I have yet to receive the Revised XXXX 1098 Year End Mortgage Interest statement The payment History that is reported through BLS Web Portal shows in detail where payments were not being applied on a regular monthly basis. NO where on the report does it show where the Trustee partial payments were being applied. INACURATE PAYMENT REPORTING HAS CAUSED THIS PROBLEM. BLS Please report your response through the CFPB web portal so both sides to the story are revealed.
08/16/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33415
 Web Older American
I get a modification loan 3 years ago, and because of my low income the mortgage monthly payment was established and signed by Bayview Loan Servicing in $ XXXX From XXXX to XX/XX/XXXXto present i have been receiving letters of intimidation from Bayview ( available upon request ) saying i had to pay them between {$5000.00} and {$6000.00} the amounts varied ; Bayview also put the whole value of the house in my credit {$31.00} making my credit notably lower. All is wrong information as I never failed in paying my mortgage payment. On XX/XX/XXXXBayview sent me a letter saying my Condominium had failed in presenting proof of hazard insurance. Innumerable letters to the Condo asking for that proof were never answered but finally and after uncountable emails to Bayview I received a letter from them dated XX/XX/XXXX here included saying " the lender placed insurance we purchased for your property is cancelled effective XX/XX/XXXX ''. But on XXXX XXXX I received a mail from Bayview saying " we do not have proof of coverage from XX/XX/XXXX-XX/XX/XXXX. If you are able to provide a copy, we will be able to cancel the lender placed insurance that is effective for this time frame. The condo will not provide a copy directly to me. Next thing is Bayview has returned my current XXXX payment without a letter or explanation. In their website my acct shows i have to pay {$260.00} a month, that 's wrong, and is not the established modification amount.
09/20/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33415
 Web Older American
I did file a previous complaint against XXXX XXXX XXXX case # XXXX, on XXXX XXXX but there is no answer to that complaint yet, instead they did file a FRIVOLOUS FORECLOSURE at the XXXX XXXX Courthouse against my property, Case # XXXX staying I did not make payments from XXXX to present, which is not true as the bank statements enclosed show, instead XXXX is returning my paymets see proof XXXX supporting foreclosure documentation doesnt support the claim as is just the initial loan paperwork and loan modification of XXXX annexed to my previous complaint. XXXX foreclosure stays I owe them {$25000.00}, but there are no pending payments and I always pay on time so when I called Bayview Loan Servicing with the help of Credit org ( call ID # XXXX ) I could finally talk to them and ask about the claimed amount of {$25000.00} but no explanation was given and they hang up on me. After that XXXX XXXX from Bayview Loan Servicing called me today to say the foreclosure is because of my lack of payment from XXXX this year to present ; which is not true as it can seen the Bank statements. I never missed a payment. XXXX XXXX said he wanted to see the proof of payment so here enclosed are the Bank statements showing the payments. XXXX XXXX neither explained in what was based the claim of {$25000.00}. Making a frivolous foreclosure claim with no legal ground is a serious issue, a total abuse, and an attempt to damage my interests and my health.
12/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 303XX
 Web
My escrow account was double charged for XX/XX/XXXX and XX/XX/XXXX XXXX and cities taxes by Bayview Loan Servicing , LLC . When they send me XXXX XXXX Report with shortage in XX/XX/XXXX, I called them to correct it, but instead of actual investigation of the problem they tried to make me believe that each payment XXXX XXXX and city from my escrow account was just XXXX of total payment due. I went to XXXX XXXX 's office and got Tax Bills for XX/XX/XXXX and XX/XX/XXXX that proofed that I was right. What is more XXXX XXXX and city taxes were paid by the company which I bought the house from, I guess, by mistake. As I 've been told at the XXXX 's office, checks from Bayview Loan Servicing were rejected and send back to the same address that they came from. I send all docs to Bayview and they finally figure out that they tried to pay taxes for my neighbor 's parcel because of wrong property legal description on XXXX deed. I bought the house in XX/XX/XXXX, and all taxes were correct until XX/XX/XXXX. The corrected legal description was recorded in XX/XX/XXXX. I faxed all proofs of it to Bayview on XX/XX/XXXX. And it is still not corrected as of today date. I spoke with all departments within the company, like customer service, escrow analysts, and customer advocacy team. They neither ca n't find money that they send to XXXX and city in XX/XX/XXXX and were returned back to them or correct my escrow account for 7 months already.
05/23/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • OK
  • 741XX
 Web
I have been trying to resolve this since finding out in XX/XX/XXXX that my mortgage was being sold by XXXX to another company XXXX. At the time I was on a forbearance plan due to company furloughs because of XXXX. I was planning to resume payments in XXXX which I wasn't able to do because of the transfer. I filed a complaint on this website on XX/XX/XXXX because XXXX failed to reply to my numerous requests for information. They did however send you a letter so the case was closed even though my questions and concerns were never really addressed. Despite my leaving numerous messages since then I still have not been contacted by the person they say is over my account. They did finally apply the funds by XXXX to my account and sent me the modification documents stating it was done and I was to begin paying on XX/XX/XXXX. I am still however waiting to see if the XXXX funds will be approved and applied to the remaining past due, as of the last conversation with them XXXX had still not replied to their requests either. Now on XX/XX/XXXX I received another letter from XXXX saying they have sold my mortgage to a new company called XXXX XXXX and I am to begin paying them effective XX/XX/XXXX. I have been in this house since XXXX and until XXXX and XXXX never missed a payment. I do not want to lose it but this mess has gone on long enough. Will you please tell me who to contact if you can't help this time as I am beyond fed up!
11/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55112
 Web
This company is incorrectly applying a portion of my mortgage payments to escrow and not crediting me for the full payment to my mortgage. As of XX/XX/XXXX my mortgage was current. My monthly mortgage payments are {$1100.00}. On XX/XX/XXXX I made a partial payment of {$300.00} toward my XX/XX/XXXX mortgage payment, leaving a balance due of {$890.00}. On XX/XX/XXXX I paid the balance of {$890.00}. In mid-XXXX I noticed the company was showing that I still owed {$300.00} for the payment due XX/XX/XXXX. I called to inquire why they were claiming I still owed for XXXX when the payment was made in full. They informed me the {$300.00} payment I made on XX/XX/XXXX was applied to escrow. I told them I did not direct any payment to go to escrow. The agent told me she would submit a request to have the payment taken from escrow and applied to the mortgage payment. On XX/XX/XXXX I made a single payment of {$1100.00} for the payment due XX/XX/XXXX. The company applied {$300.00} of that payment to XXXX 's mortgage payment and the remaining balance of {$890.00} they applied to escrow, making it look as though I made no payment for XXXX. I called 2 more times ( a total of 3 times now ) requesting that they fix their errors. No one can explain why they are applying part of my payments to escrow without crediting me for the payment. No one can give me answers and the problem has not been corrected as of today 's date.
11/08/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 91741
 Web
I have been working with Bayview Loan Servicing for 7 months to do a deed-in-lieu on a mortgage i 'm in default in. Their most recent reason for the delay is, after asking me, " do you have any liens on your home? '' My response is now yes. Up until two weeks ago, there were no liens on the property. As a result of Bayview draging their feet and failing to respond to request for information for months, my HOA has now placed a lien on my home and says they will be foreclosing on it soon. I 've contacted XXXX XXXX and made another good-faith attempt to resolve the lien but ca n't get him to respond in writing. I have the money to resolve the {$10000.00} HOA lien but do n't want to resolve it until Bayview says they are willing to move forward with the DIL process. They say that they need to " verify my income. '' I 've sent them the same paystubs and bank statement for 7 months. They are consistent and rarely fluctuate. They 've endlessly asked for the same paperwork over and over. I have plenty of evidence to support that WHEN Bayview actually request information, I usually respond within 24 hours. If I ask for information from them it take weeks and up to a month for them to respond. Additionally, I am hearing and speech impaired. They 've refused to make reasonable accommodations as outlined in the Americans with Disabilities act and allow me to communicate via email for for efficient service.
05/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37040
 Web Servicemember
XXXX XXXX XXXX has held this mortgage on my investment property for years. In XXXX they notified me that they were selling the loan t o Bayview Loan Servcing. The first notification from Bayview was that I was behind on my payments to the tune of {$1500.00}. This should n't be possible because according to XXXX XXXX XXXX I was current up until XXXX XXXX , XXXX . The loan was supposed to transfer to Bayview on that date and my first payment was to go to them. However, Bayview claims that I owe them for XXXX , XXXX , and XXXX payments. Yesterday XXXX / XXXX / XXXX I received a letter dated XXXX / XXXX / XXXX that the loan was in default and that I owed them all the way back to XXXX / XXXX / XXXX , a month before they took over the loan. So I calle d Bayview and they said I was 3 months behind. How could this be if Bayview only h as held the loan for a total of 38 days starting on XXXX / XXXX / XXXX . Last week I verified with XXXX XXXX XXXX that I was current up to XXXX XXXX . Bayview claims I now owe them {$1600.00} in late fees and Corporate Advance Balance ... .w hatever that is. I tried to call Bayview again today XXXX / XXXX / XXXX and after waiting on hold for aprox 10 mins they closed the office while I was on hold. I believe they are trying to take my property. A property that is a major investment in my time and money over the last 15 years.
05/04/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92606
 Web
Bayview Loan Servicing , LLC has been harassing and threatening foreclosure. My account is current and has always been paid on time. Per contract my due date is the XXXX of each month and I have a 15 day grace period. Bayview has acknowledge and receives all my payments within the grace period, normally by the XXXX or XXXX day or each month. Bayview has called me starting on the XXXX day of each month, regardless. Additionally, Bayview charges a convenience fee for accepting my payment in addition to my regular mortgage payment.

I have asked customer service representatives who have called why they have been calling, harassing and threatening foreclosure. Was told that this are normal and acceptable collection actions and practices.

Previously received calls in XXXX and XXXX . On XX/XX/XXXX received call from XXXX XXXX at XXXX XXXX . Who escalate the call to management XXXX ( did not provide last name ) at ext. XXXX . Asked why I was being harassed and demanded that they do not call to harass me. If I become late ( which I have NOT ) to notify me via US Mail as all creditors / mortgage companies due.

I have also asked that they DO NOT call to harass if payment is done on time and to communicate with me via US mail. Bayview has failed to comply to the my requests that they " do no harass me '' if and when all my payments are in time and within the grace period.

01/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90660
 Web
I had been paying the same mortgage payment to Bayview loan servicing company which include tax and insurance for many years. Its an impound account for $ XXXX/month and later increase to $ XXXX/month and now it becomes $ XXXX/ month. On XX/XX/2018 I received anticipated escrow account disbursements letter that my property tax become {$14000.00} starting XX/XX/2018. I received an annual secured property tax bill from Treasurer and tax collector is only {$1500.00} from XXXX XXXX to XXXX XXXX. I had sent several letters to Bayview Loan servicing with a copy of the tax bill that I received from the treasurer and tax collector office but never get any reply back. Also I had paid the mortgage on time and sometime a little late, but once I talk to customer service they told me that I am current then later I received a mortgage statement that I was late about 2 months. So I paid those 2 month on the statement now it come again that I still own them another 2 months. I am confused about what is going on since I just talk to their customer service about the update payment. Later Bayview loan servicing sent one letter to me saying that they had sold the loan to XXXX fXXXX so I have to contact them. I am very stress and don't know when they going to put my property into foreclosure. Now with XXXX XXXX. They also sent me the same statement that my mortgage become $ XXXX/month due to my property tax increase.
12/28/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MD
  • 20876
 Web
As a follow-up to Complaint Filed on XX/XX/XXXX ( Reference Complaint # XXXX ) I received an update from XXXX XXXX XXXX Asset Manager assigned to my loan that my request for a Streamline was denied because of prior modifications. He asked that I complete a Loan Modification and stated that it will also be denied as well since I was given modifications in the past. Sadly, my situation is a unique one with the XXXX XXXX XXXX XXXX to XXXX XXXX, then a divorce that just occurred onXX/XX/XXXX. It has been an uphill battle for me and my XXXX young impressionable children. Here 's my ask if a request will be submitted to XXXX XXXX - the investor for consideration of a repayment then why can not my initial denial suffice why is Bayview requesting for me to complete a loan modification package fully knowing that it would take an inordinate process to go through approval only to be denied anyway and dragging out the inevitable of submitting my hardship directly to the investor XXXX XXXX. I ask that you intervene and help me I need the stability for my children. While I know we all have circumstances these circumstances were unfortunate and out of my control. I would have loved to wave a magic wand and have them go away. I did not want a divorce and more importantly I did not want my young daughter to XXXX either. It is not what anyone of us want for our life. I beg that you help me and my family.
11/01/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Due to us filing previous class action suits request on behalf of ourselves and other consumers like us. Sub Servicer Bayview Loan Servicing purposely targeted us due to our XXXX and filed a foreclosure on our home and dual tracked us while in a current active workout with them. Sub Servicer Bayview Loan Servicing has bullied, harassed and retaliated against us for multiple years and purposefully strung the workout out on a modification agreement with us for a year while we made payments to find out if S.J. 47 would pass or not. Therefore, we are requesting that all of our class action complaints filed with the Consumer Financial Protection Bureau and the Arizona Attorney General be grandfathered. S.J. 47 states : " Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to Arbitration Agreements " This joint resolution nullifies a rule submitted by the Consumer Financial Protection Bureau XXXX CFPB XXXX regarding arbitration agreements. XXXX The rule regulates the use of arbitration agreements in contracts for specific consumer financial products and services. It prohibits the use of a predispute arbitration agreement to prevent a consumer from filing or participating in certain class action suits. The rule also requires consumer financial product and service providers to furnish the CFPB with particular information regarding arbitrations. ) ''
02/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30097
 Web
Bayview Loan Servicing will not answer the phone or return my call. They dont want to talk after trying to scam me out of money! On XX/XX/XXXX I received a call from XXXX at Bayview Loan Servicing congratulating me for completing my Trial Load Modification. She said I would be receiving a package from Bayview Loan Servicing and I would be working with XXXX XXXX going forward. I received the package from Bayview Loan Servicing, signed the documents, had them notorized and returned them. On XX/XX/XXXX XXXX XXXX from Bayview Loan Servicing called and claimed they didnt receive my final trial payment. I sent her proof the payment was debit from my account on XX/XX/XXXX, she continued to argue with me, so I told her I was going to contact my bank. My bank investigated the supposedly missing payment and told me that XXXX lied! The payment went through on XX/XX/XXXX and the bank gave me the transaction number. XXXX did everything to sabotage my loan modification and she is the reason my bank did a reversal payment. She wanted it to look like insufficient funds. When Bayview received my payment on XX/XX/XXXX it should have been applied to my account. I have been calling Bayview Loan Servicing all week trying to submit the payment again that was reversed because of XXXX XXXX lies! No one will answer or return my call!!! This is really ticking me off and I will be contacting my attorney Monday!
10/05/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30012
 Web
Inaccurate information report to FHA on an account that is not mine. I 'm contacting you in reference to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My exhusband was awarded this property in our divorce. He did not refinance the house out of my name so I was filed for a Chapter XXXX in XXXX, quitclaimed the property to him and divested all interests in the property. Apparently in XXXX my ex let the proper go via foreclosure and a deed in lieu was signed by him and recorded in XXXX XXXX. I purchased a new home in XXXX and last month I attempted to refinance my home and was told by the lender that an alert was placed in the FHA XXXX system stating that I had a property foreclosed on and that it made me unavailable to refinance under FHA for 3 years. This property belonged to my ex and I should in no way be harmed behind it. I was told I 'm held liable too but that its impossible as I did not sign off on the deed in lieu of foreclosure therefore invalidating the deed. I was told I did n't have to sign papers since the property was given to my ex in the divorce. It can be XXXX statues to adhere to. Either its mine too or its not. If my signature was needed and was never obtained then the deed in lieu is not valid. I ca n't be penalized with him along with his property as it is not mine. I want Bayview to send information to FHA XXXX and have the erroneous information deleted from my profile.
02/22/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 074XX
 Web
Hello, My husband and I had a mortgage through XXXX ( it was in his name ). After he XXXX XXXX in XX/XX/XXXX, I took over as the executor of the estate. I purchased insurance through XXXX XXXX for the home in XX/XX/XXXX. However, XXXX purchased extra insurance on the home ( forced-placed insurance ) -- at an extremely high rate of {$11000.00} or so per year. They then increased my escrow and my total payment jumped significantly. We tried to resolve the issue with XXXX, but they have since then sold my mortgage to a debt collector, Bayview Loan Servicing LLC ( who currently hold the mortgage ). The loan number at Bayview is XXXX. The home address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Their customer service rep advised that if we could provide proof of insurance for the home for the period ( XX/XX/XXXX onwards ), we would receive a full refund for the forced-placed insurance. I have attached the proof of insurance to this email. The proof of insurance lists the my name + the Estate of XXXX XXXX XXXX ( my husband ). It fulfills all of the requirements they have asked for. This has been extremely difficult with Bayview. They have regularly not known Yet now they are refusing to provide the refund, arguing the insurance was not sufficient. Since its a significant amount of money I've been charged, I have been left with no choice but to file this complaint. Sincerely, XXXX XXXX
01/14/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 31705
 Web Older American
I have a daily interest mortgage loan. This loan has changed financial institutions several times since I took out the mortgage loan in XXXX. I have had problems paying my mortgage in the past due to an identity theft and the haulting of my Social Security Benifits. I sought help with getting the then mortgage holder at the time to defer my payments. I have since had to file Chapter XXXX bankruptcy. I filed my bankruptcy case in XX/XX/XXXX. During my bankruptcy filing the mortgage changed hands again. A company called Bayview Servicing is now handling my payments for whom ever has my mortgage. My payments of XXXX I often rounded off and was sending XXXX dollars or XXXX.The original mortgage company was applying the overpayment to my principal. This new company is holding my over payment for over a year as unapplied funds. I have ask them several times to apply the funds to my principal. This company is holding my money and it is not benefiting me by lowering my principal. I was told they are holding my money because it is not a payment, I repeat this is a daily interest mortgage. If my payment was a day past the due date the company would not hesitate to take the additional interest from my payment. Bayview has been holding XXXX of my money for over a year. I want these funds and the annual interest it would have saved me had it been applied to my mortgage applied to my mortgage.
01/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CT
  • 063XX
 Web Older American
At the end of XX/XX/XXXX, XXXX XXXX transferred my mortgage to Bayview as my new mortgage servicer. On XX/XX/XXXX I received a Transfer of Service Notice from Bayview. I missed the XX/XX/XXXX mortgage payment and made a payment arrangement with XXXX to pay {$2400.00} per month from XX/XX/XXXX through XX/XX/XXXX. Please see attached XX/XX/XXXX letter from XXXX. It is my understanding that the payment arrangement that I made with XXXX would follow over to Bayview. I sent a copy of this letter to Bayview on XX/XX/XXXX. I have been paying a month behind because I only get paid once monthly at my job. By the month of XXXX I should be able to start paying within the month. For instance on XX/XX/XXXX I paid for the month of XXXX in the amount of {$2500.00}. I get paid next on XX/XX/XXXX and will pay the amount of {$2500.00}, which should be my last payment of {$2400.00}. I have notified Bayview of this. Every statement I have received from Bayview has a different amount. I have called Bayview several times trying to straighten out my loan. Every person at Bayview that I spoke to has told me a different amount that we owe and a different story. Yesterday I received a notice on my house door to call Bayview. I spoke to Bayview today and the woman I spoke to said that the payment arrangement was broken. I was never told that. Where is all the extra money I have been paying going to?
09/21/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 07106
 Web Older American
In XXXX XXXX, XXXX XXXX, took out a mortgage loan in the name of XXXX XXXX and purchased another property which was put into XXXX XXXX 's name and XXXX perpetrated fraud of which she was convicted and sentenced to prison for Identity theft. The lender at the time was XXXX XXXX XXXX XXXX. XXXX XXXX had kept paying her regular mortgage thinking that it would soon be paid off, but then started to receive notices that her home was in foreclosure, but it was not her primary residence. The property was XXXX XXXX, XXXX XXXX, NJ. She found out that this fraud had taken place, when XXXX XXXX started to send notices that that home was in foreclosure and notified the police, who arrested XXXX XXXX and found the documents attached. Many of which where unsigned. XXXX XXXX forged XXXX XXXX signatures. XXXX took out a brand new mortgage and used those funds to purchase XXXX XXXX, XXXX XXXX, NJ property. XXXX used XXXX ' social security number. XXXX stopped paying on this mortgage in XXXX XXXX and feels that she should not be responsible for this fraudulent mortgage. This mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now Bayview. XXXX is an XXXX XXXX XXXX widow and needs assistance with this fraudulent mortgage. Her home should have been paid off free and clear by now, instead she is facing foreclosure due to this fraudulent mortgage taken on XXXX XXXX XXXX, XXXX, NJ.
06/17/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30127
 Web
my name is XXXX '' XXXX i am again complaing about bayview why have you not done your job i am asking that the company stop sending me info about the hamp waste of paper and not in military they sent me certified letter that i had to take to the post-office thought is was serious the letter contain only about the hamp i got a regular mail reL this and a certified letter in say day wasted by time and gas XXXX round trip to have the same letter sent t me if they want to spend money and waste it they can lower my payments i want the letters stoped you have not done your job i have ask you find out why if i send a money order to the company it takes days to get their i am never late, also if i pay on line it takes XXXX to get to thier bank then they say they then wait on a check sent to them XXXX they post my payment this makes no sence do not send me a statement what i have payed that is always what i get do your job and make them have payment sent to only XXXX place i am sure the way they have it set up so they can add late payment to bill i have proof the payment this month got their on the XXXX better not have a letter or call say they did not receive it. every time i complain you send me a letter saying working on it has been many months now if they want to waste money by sending out the hamp info they can lower my payment. do your job and investigate.loan # XXXX thank you.
06/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NM
  • 875XX
 Web
A version of this Complaint was filed on XX/XX/XXXX ( XXXX ). After speaking with a CFPB representative I am refilling the complaint as instructed. The company against whom the complaint is filed - Bayview Loan Servicing, pr eviously misrepresented to the CFPB that the matter was in litigation. While there is a foreclosure matter pending in litigation, the company against whom this complaint is filed is NOT a party to that litigation and thus it is required to respond to the CFPB complaint. The company has recently confirmed it is not a party to that litigation stating in part : Bayview is not a party to the foreclosure action. See Exhib it 1 hereto, p.3 at paragraph 2.

Bayview will likely make the false claim that its " counsel '' will review and respond, however the attorney that will likely respond is NOT representing Bayview or XXXX ( th e previous loan servicer ) and is admittedly not Bayview 's counsel.

The responding attorney has no actual knowledge of the actions regarding the previous loan servicer which ceased business operations in XXXX . The attorney is simply paid to say whatever it needs to in order to conceal the fraud outlined in my complaint.. It has proven that in the Exhibit attached hereto as Exhibit 1 w herein matters therein directly contradict other claims the attorney has made.

Complaint and documentation attached.

03/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 27889
 Web
I was in a forbearance period due to COVID-19. As soon as I was able, I contacted the mortgage company which at the time was XXXX XXXX XXXX to request a loan modification. I received the paperwork, it was acceptable and I signed and had notarized all of the documents. In the meantime, I received some correspondence from Community Loan Servicing that they had purchased my loan. I didn't care as I was told they would honor the agreement I had signed with XXXX. I spoke with tons of representatives over the course of time trying to find out who I was supposed to pay, how much, when due, etc. but got the same response every time that they were working on it. At least six months have passed. Last week I received a loan modification packet from Community Loan Servicing which has been completely redone. The interest rate is higher as is the monthly payment. I had already signed the documents for the forbearance loan prior to my loan being sold. I didn't believe that selling a loan changed the terms. I would like to move forward with the original loan modification that was signed and delivered according to instructions. I don't believe I should be penalized because another vendor took possession of my loan. I didn't have a say in that. Please respond as soon as possible. I'm so worried that if something doesn't happen soon my home may be repossessed. Thank you for your time.
01/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 547XX
 Web Older American
XX/XX/XXXX XXXX XXXX sold out loan to XXXX XXXX, their loan servicer, bayveiw, was to start servicing after XX/XX/XXXX. Our loan payment was {$280.00}. On XX/XX/XXXX we received a letter from Bayview stating we owed {$860.00}. We didn't. XX/XX/XXXX a letter asking for completed financial statment. Confusing! XX/XX/XXXX letter says we owe {$570.00}, formal demand, notice of default, intent to accelerate! This went on through out XXXX. XX/XX/XXXX XXXX XXXX XXXX a bill collector for bayview, said we owe full amount of loan, {$16000.00}, or foreclosure. XXXX we received a money order back, {$600.00}, that payment put us over what we owed!! I did not understand, we received letters from Bayview several times a month, every month! They put us in foreclosure court, we answered. We filed modification, they foreclosed! The same thing through modification. Then second chance. I mean, we couldn't get a break from them. They couldn't even do automatic withdrawal. I sent a complaint, answer, XX/XX/XXXX, and still no reply what they are doing. My wife is on meds for XXXX and XXXX, and I am pulling my hair out. Not many problems until Bayview took over. We took out the loan in XXXX, 15 year loan for {$25000.00}, with interest and loan costs, almost {$52000.00}. 11.3 % interest, don't want to lose our home to these incompetent home stealers, I'm XXXX, my wife is having XXXX XXXX.
05/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60611
 Web Older American
I have requested the details for the mortgage amount we owe. Bayview Financial sent me a computer generated mortgage payoff letter. Bayview did not provide the detail I requested but sent me a canned letter which is inaccurate. Bayview did not provide the detail for the ( Escrow / Impound Account. ) There is no way of knowing what makes up this amount. In addition Bayview does not provide the detail for the ( Escrow Shortage Account ) in the payoff letter. The only amounts in escrow for our mortgage should be my property insurance and property taxes. Bayview will not provide any detail so I can not determine if their amounts and calculation for these accounts are accurate. Bayview has not verified these amounts and the amount of payoff in their letter is incorrect. After reviewing my property tax records the records show that Bayview has made a serious error and double paid the property taxes which has contributed to the incorrect amounts in the ( Escrow / Impound and Escrow Shortage Accounts ). Bayview has raised my monthly payment substantially with no explanation based on this false and incorrect information resulting from their mistake. It is likely this was also the case with XXXX XXXX which preceded Bayview as the loan servicer of our mortgage.. I feel strongly that Bayview is ignoring us and treating us unfairly because we are seniors and a minority.
07/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30518
 Web
In XX/XX/2018, Bayview acquired the loan on my home from XXXX. When I contacted Bayview via phone on XXXX XX/XX/2018, after having already spoken to XXXX, I was informed I would have a 60-day grace period before my first payment with Bayview. Evidently, this was not the case. I filed a complaint with CFPB to obtain assistance with resolving the issue and began paying the arrearages. As I had stated in my previous complaint, I had been unemployed for several months the previous fall and had fallen two months behind on payments when Bayview acquired the loan. By XX/XX/2018, my employment was steady and I was able to make additional payments. Between XX/XX/XXXX and XX/XX/2018, I made four payments to bring the mortgage current and pay the two arrearage payments. The statement attached shows a payment made to XXXX in XX/XX/XXXX, as well as the payments I have made to Bayview. I am confused how Bayview can hold my payments in suspension, changing the monthly payment due from {$400.00} ( XXXX ) to {$430.00} ( Bayview ) without signed documentation, or at least a refinance / modification request. After much research, I found that Bayview was fined and found at fault with another mortgagee who attempted, in good faith, to work with Bayview, but the appellate court found Bayview to have engaged in " deceptive '' practices. This is why I need the assistance of the CFPB.
04/29/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 77008
 Web
Bayview Loan Servicing , LLC ( Bayview ) is my purported mortgagee. They initiated foreclosure proceedings on my home in Texas XX/XX/2016 without first providing a default notice and opportunity to cure as required by the Texas Property Code and Deed of Trust. I was not in default when the foreclosure was commenced. I filed a lawsuit to get the foreclosure restrained, and the judge granted my request for a TRO. Before the foreclosure, Bayview did not comply with 12 CFR 1024.39 ( a ), which requires a servicer to establish contact with a delinquent borrower not later than the 36th day after the delinquency. Bayview never called me. Not later than the 45th day, a servicer has to provide a delinquent borrower with a written notice as set out in 12 CFR 1024.39 ( b ) ( 1 ). Bayview did not do this either. Bayview has also violated the continuity of contacts requirements of 12 CFR 1024.40. Furthermore, pursuant to 12 CFR 1024.41 ( f ) ( 1 ), a servicer shall not make the first notice or filing required for foreclosure unless the borrower 's mortgage loan obligation is more than 120 days delinquent. If Bayview has not even complied with the above rules regarding initial contact and loss mitigation, then certainly they should not be trying to foreclose. Bayview is totally ignoring my contract rights and RESPA, and they are going to try to foreclose on me again soon.
09/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 243XX
 Web
Community Loan Servicing, ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ), phone XXXX, had our mortgage over a period of time and it was a complete nightmare. I was constantly calling to have late charges removed because they were added to our monthly statements and the account was never late. They continuously tried to say they did not receive my payment on time when I have the cancelled checks to prove it was received timely. They attempted to add extra homeowners insurance to my mortgage several times ( when they had proof and a copy of the policy I have through XXXX XXXX for over 20 years ) and the insurance had never escrowed in from the beginning of the loan. They changed the owner of the loan from my name to the estate of.. my deceased father, and I could not get anyone to help or even talk to me about the loan. The loan has been in my name from the beginning, so not sure what happened or why they changed it. Im still trying to reach someone there that will actually help me to get things straightened out even now after they have sold our loan to another servicer. This loan with Community Loan Servicing is showing still open and late on my credit report to this day and is ruining my credit. Ive been trying to resolve this for months to no avail. Its time to get an attorney involved if this can not be resolved within the next 5 business days.
10/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95762
 Web
I obtained a home loan through XXXX XXXX XXXX XXXX on XXXX XXXX. I received a notice of service transfer on XX/XX/2021 ( the letter is dated XX/XX/2021 ) that the loan had been transferred to Community Loan Servicing , XXXX effective XXXX. I had made the XX/XX/2021 payment to XXXX XXXX XXXX, and the check cleared my XX/XX/2021. The payment went to the previous servicer since the notice of transfer was not mailed until XX/XX/XXXX at the earliest and received by me XX/XX/XXXX. In the letter it states the XXXX payment must be made to the new servicer, which of course is not possible given the letter was mailed so late. On XX/XX/2021 I received a debt collection email from Community Loan Serving XXXX stating my payment has not been made and and is due to Community Loan Servicing. The payment of {$4800.00} had been made to the previous loan servicer. Community Loan Servicing has required that I provide proof of the XXXX payment. My issue is this is their problem as the servicer that bought my mortgage and executed the transfer so poorly that the transfer of service notice was not sent in time for me to direct the payment to them. They did state I have a 60 day grace period for late payment fees and credit reporting, but that if I did not provide this proof, my loan would be delinquent after the 60 days. This is at best nonsensical and very poor servicing.
07/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AR
  • 72956
 Web
Bayview Loan Servicing foreclosed on my home of 16 years on XX/XX/2018. They locked me out of my home in XXXX, without notice, because I was unable to live there due to damage from hurricane Harvey. They stated it was an abandoned home, although Bayview was well aware of my situation. I had an as-is cash buyer who wanted to close on XX/XX/XXXX, but Bayview refused to pull my home from the sale. They had stated it was up to the foreclosure attorney, which turned out to be false. The day of the sale, I was advised it was because the contract has to be provided to them 10 days in advance, but this had not been communicated to me. There is a long list of lies ( Bayview refers to it as they miscommunicated to me ), but it's a moot point right now. Bayview refuses to provide me with the purchaser information so I can retrieve my personal property that was not damaged by the hurricane. Besides some clothing, collectibles and unique furnishings, there are urns with remains, legal and tax documents, etc. There is also my vehicle. I am 500 miles away, have several health issues and restricted driving, so it isn't as if I can just hop over and get everything. I advised them I would be filing complaints over the handling of my foreclosure and the missing items after their people went in and locked me out pre-foreclosure and was told to call the police!
05/22/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 961XX
 Web
I am a XXXX XXXX XXXX XXXX homeowner who paid my mortgage on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX through XXXX XXXX. I pay through this company because Bayview Loan servicing always says they didnt get the payment or its late. When I got a letter of foreclosure process starting in XX/XX/XXXX. I was confused. They said I was 6 months behind. I called them and they said they returned my payments. Why I asked. I really dont know XXXX with Bayview Said. So I have been talking with him since XXXX and have got further behind because he wont accept payments. I told him I recovered 2 of the payments through XXXX XXXX but have not been able to get the other 2 yet. XXXX and XXXX. I offered to give him {$2000.00} right then in XXXX. He keeps telling me he will accept the {$2000.00} and two more payments and then hes going to pull my account out of foreclosure status. Nothing has happened with many phone calls and numerous emails which he said to email him and he will call me immediately but never does. I keep calling and I get the run around every time. I am XXXX due to XXXX XXXX XXXX XXXX that are XXXX and my husband has had XXXX XXXX XXXX. I have a XXXX XXXX son that resides with us who needs serious medical help but cant even pay our mortgage on time due to medical expenses. Can you please help us. Sincerely yours, XXXX XXXX XXXX XXXX
01/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 434XX
 Web
I have been arguing with Bayview Loan Servicing company since they took over my loan. Most of the issues are regarding payments being recorded to account late. Until now I have been making electronic payments through my checking account. For months they have been adding small fees here and there. The representatives at Bayview I have spoken with have been rude and in most cases unable to accommodate my requests. When I question charges they often times do n't understand the codes are fees. Recently, finally, I was able to receive a detailed statement going back to when they took over the loan. It is so confusing I have no idea what they are charging me. My account has been in good standing all along and this company 's representatives feel they are in the right even when they ca n't explain what they are doing. Most recently I was told fees would be credited if I agreed to sign up for their automatic bill pay 2 months ago. I have yet to see past fees credited. Now I see new unpaid fees. Where do I get answers? If there is anything you could do to help me find out what I am being charged and what the fees are I would appreciate it. Why are they charging all these fees? Did I agree to it? Are they within their rights? This is the worst lender I have ever dealt with in my life. I feel they are not being transparent. Thank You, XXXX XXXX
10/31/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30087
 Web
I have requested that Bayview Loan Servicing correct my credit report with all XXXX credit reporting bureaus beginning XXXX. Thereafter, XXXX reported my loan as closed on XXXX. This dropped my credit score and stopped me from refinancing my mortgage. I sent another letter to XXXX via certified mail on XXXX. On a phone call with XXXX on XXXX the company rep stated my file would be corrected with the credit bureaus by XXXX XXXX. This has not happened. I received a letter from XXXX dated XXXX indicating they would correct the information they are reporting to the credit bureaus. I received a XXXX report from XXXX reflecting that XXXX changed some information but it is still being reported erroneously as settled in XXXX bankruptcy with no balance and incomplete payment history. I have made countless phone calls with no results. XXXX sent a letter stating that my loan would be transferred to XXXX XXXXXXXX XXXX on XXXX XXXX, XXXX. I feel that XXXX has prevented my re-financing of this mortgage through repeated erroneous reporting. I have attached my most recent letter faxed and e-mailed to them today with supporting documents of previous letters, credit file information, etc. I am requesting that this matter be resolved asap as the error is causing me financial harm. Bayviews actions are clearly in violation of the Fair Credit Reporting Act.
09/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10001
 Web
My payments have been consistently misapplied by servicer. I have spoken to them every month to try and rectify, but have gotten nowhere. I make weekly payments to the servicer. They claim to keep payments in a suspense account until a full payment is received. However, that is not what they do in fact. Some payments consistently get misapplied to principal rather than the next monthly payment, causing late fees and penalties, even though a full payment has been made and received. After calling, they usually resolve, but I do not always receive a complete refund for the improper late fees. I end up having to call over {$5.00}, it 's ridiculous. The documentation of my payments has gotten so confusing that I am not even sure anymore what has been applied or paid. I made weekly payments in the past with other servicers and did not have any issues. They should apply payments first to outstanding interest, than to principal. Alternatively, they should follow their own procedures when collecting payments. If they are placing into suspense account, that should be consistently done. I should not have to guess how my payment will be applied and then have to call EVERY MONTH to resolve improper late fees. I have given them ample opportunity ( 10 or more phone calls ) to resolve before resorting to this complaint and they have failed to do so.
07/16/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 19154
 Web
I recently filed a complaint with the XXXX regarding Bayview Servicing mortgage company. Recently I refinanced my mortgage through a different mortgage company to get away from Bayview. The customer service is horrific and each time you call a representative tells you something different the information provided is consistently inconsistent. I have made over a XXXX attempts to contact Bayview regarding the my XXXX mortgage payment which was paid on XXXX XXXX, 2015. When I requested a payoff statement the statement indicated that monies was due for insurance, mortgage payment and " potential late fees. '' This evening I spoke with a representative and she stated that she has limited supervisor support in the evening and could not provide me with any information regarding my account. The representatives are not knowledgable regarding the product and/or services that Bayview offers. Please help me with obtaining any and all funds owed to me by Bayview. My loan that was sold to Bayview is paid and full which included inappropriate charges. I called many many times to challenge the pay off amount and was told that the amount was correct. The loan was paid off and now I have to fight with Bayview to get my money back. They are rip offs and should not be privileged to service mortgage borrowers. I have spend hours and hours on the phone
06/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11234
 Web
To whom it may concern, My name is XXXX XXXX and in XXXX of XXXX, I was impacted by the COVID -19 virus. I requested to be placed on forbearance due to the Covid-19 pandemic. I was told by my mortgage company, Bayview Loan Servicing, that as part of the CARES act, there will be no negative reports to the credit bureaus and that my credit would not be affected. While on forbearance, I sold the property in XXXX of XXXX, and as a result, my account was closed in XXXX of XXXX. I recently received a report on my credit that indicated Bayview Loan Servicing reported in XX/XX/XXXX, that I had a 120 days late ( please see the attachment below ). This was reported by Bayview Loan Servicing in XXXX of XXXX after my account was closed. This has a negative impact on my credit. My account was in forbearance and it was closed while in forbearance. I dont see why there was a need to report a 120 day late report on my account, I was told by a representative of Bayview Loan Servicing that as part of the CARES act, there will be no negative reports to the credit bureaus and that my credit would not be affected. I sent a letter to Bayview Loan Servicing on XX/XX/XXXX and I also spoke to a representative from Bayview Loan Servicing regarding the issue. I have not heard any feedback from them. I can be reached at XXXX. Sincerely, XXXX XXXX
03/01/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32401
 Web
Im filing this complaint against XXXX XXXX XXXX Servicing On XXXX XXXX i contacted XXXX XXXX XXXX XXXX in which XXXX picked up the phone. I asked XXXX did I have an over draft on my account in which she stated no. So on the XXXX XXXX i wrote them a check for XXXX and on XXXX XXXX i got a letter from Bay view saying there was an over draft on my account after i wrote the check on the XXXX. So on XXXX XXXX they sent the check through for XXXX dollars but on XXXX XXXX they charged my account for XXXX which made a grand total of XXXX. I contacted XXXX XXXX on the XXXX and talked to XXXX and which she stated XXXX XXXX was in charge of doing things. I talk to XXXX on the XXXX and he said i would have my money back friday or Monday and here it is Tiesday and i still didnt receive my money. The lady i talked to gave me a tracking number for fed x but the tracking number do not go to anything it says a label has been created but has not move towards my door.They charged my account for XXXX dollars and XXXX XXXX will not return my calls I do not know his position but its not profressional for him to do that. Bay view owes me a total of XXXX XXXX dollars for the check and XXXX dollars in over drafts. I live from check to check and Friday morning i had XXXX dollars in my account i have been broke all week. XXXX XXXX XXXXXXXXXXXX XXXX
04/09/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • VA
  • 22193
 Web Older American
Been having issues with Bayview Loan Servicing , LLC ( Loan Number XXXX ) since they or the mortgage company they represent purchased my mortgage from XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX. Many charges have been applied/charged to my escrow from the beginning, the most disturbing charge was the increase of my mortgage on XXXX XXXX, from {$1200.00} - {$1600.00}, an increase of {$380.00} due to their Annual Escrow Account Estimation for XX/XX/XXXX, which included the full amount of taxes that would be due for XX/XX/XXXX. However, I 'm in a Tax Relief Program because I 'm a XXXX and my current income, and only required to pay {$38.00} annually for my property taxes. I have provided tax relief documents to Bayview for XX/XX/XXXX and XX/XX/XXXX but they continue to show I 'm in the rear with my mortgage. They continue to send loan modification documents which I have not requested. I want my statements to reflect my correct mortgage payment which is now {$1400.00} due to this year 's increase of 1 % from 3-4 %. Any associated fees charged due to a loan modification request credit back to my escrow account. One of the documents state that I had requested a loan modification, I have never requested a loan modification through Bayview. I had received a loan modification through XXXX initial payment started XXXX XXXX, XXXX.
07/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CT
  • 060XX
 Web
My mother passed away in XX/XX/2018. She owned a condominium in XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX CT. The property has a mortgage with Bayview Mortgage. I called them in XXXX explained that we were selling the home, and sent them a copy of the will. The representative at Bayview told me to " keep paying one payment a month and we will be fine. We listed the property for sale with a Realtor and I have continued to make a payment each month as instructed. As of this date the lender has not taken any legal action against the property, which is now in probate. However, at the end of XXXX their inspector changed the locks on the property and posted a notice that no one can sell the property. This is interfering with our ability to sell the property, as well as depriving my family of the use of the property, which we are entitled to, as the heirs of the estate. Please help us regain possession of our family property. Bayview has no legal reason nor right to take possession of the home. The home is in good condition. In fact I have recently done substantial work to the property to facilitate its sale. The property was also completely secure until the lender broke into it illegally. Although, I have provided the requested probate documents to the bank they refuse to discuss the matter or respond to my repeated calls.
04/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90715
 Web
There were two major errors in servicing my loan. First error occured when my loan was modified about three years ago. I was left behind when the loan was not properly reconciled after the modification became complete. Then my loan was transferred to Bayview. They billed me incorrectly and then admitted they made a mistake. I have been fighting them now for a full three years trying to get them to correct their errors. They several times sent me back letters claiming they did not make an error. I hired an attorney to help me audit my loan and they found errors. After paying an attorney for over a year now, Bayview admits they made an error and they have now corrected their errors. They however, have not corrected the bad credit rating they gave me over the past 3 years. They stopped accepting payments from me many times due to these errors. They also took monies from Keep Your Home California in XX/XX/2001 and did not apply those funds until about two years later. Now my attorney has asked them for assistance in bringing my loan current and they will not call my attorney back. This game they play is not only unfair and is forcing me into foreclosure, but according to my attorney is illegal. RESPA Regulation X requires my servicer NOT to evade my requests for assistance. Bayview has evaded now for almost three years.
06/03/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • XXXXX
 Web Servicemember
Bayview Loan Servicing is a disreputable, inept company that has no business holding a license to service mortgages. According to the CFPB, the COVID-19 CARES Act Relief Options prohibits loan servicers from loan foreclosure for federally backed mortgages for 60-days, and if one experiences financial hardship due to the coronavirus pandemic, we have the RIGHT to request a forbearance up to 180-days, which can be extended by another 180-days. Bayview Loan Servicing was contacted in wriitng at least twice weeks ago to begin forebearance effective in XX/XX/2020. NO ADDITIONAL DOCUMENTATION IS REQUIRED TO QUALIFY OTHER THAN A CLAIM TO HAVE PANDEMIC-RELATED FINANCIAL HARDSHIP. Bayview required two forms to request forbearance, one requiring the documentation the law does not require. Even with that, they failed to provide forbearance and withdrew funds from my account. This is fraud under the Electronic Funds Transfer Act. I have asked that my account information be deleted from this account as I was provided temporary help. I informed this inept company to delete my information though they did not. Look at Bay Loan Servicing reviews on the Better Business Bureau or any other reputable source. This disreputable tarnished company does not deserve to hold a license in the state of California or any other state.
03/29/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 33162
 Web Older American
I HAVE BEEN CURRENT WITH MY MORTGAGE PAYMENTS FOR XXXX YEARS. COMMUNITY LOAN SERVICING BAYVIEW LOAN SERVICING, LOAN # XXXX HAS BEEN TRANSFERRING MY LOAN TO SEVERAL LOAN SERVICING COMPANIES WITHOUT INFORMING ME ABOUT THEIR DECISSIONS. IN XX/XX/2022 THEY TRANSFERRED IT TO XXXX XXXX XXXX. THE PAYOFF AMOUNT WAS {$170000.00} AS OF XX/XX/2022 BUT NOW IT IS {$180000.00} AS OF TODAY, FOR THE LAST XXXX MONTHS THEY INCREASED THE PAYOFF AMOUNT SUSTANTIALLY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OF XXXX XXXX XXXX WERE TELLING ME THAT THEY WERE WORKING ON MY LOAN MODIFICATION TO GET MY MONTHLY PAYMENTS STABLISHED AND WITH SAME TERMS AND CONDITIONS. THEY ASKED ME IF {$650.00} MONTHLY PAYMENTS WAS OK WITH ME i ANSWERED YES. I REQUEST THAT MY MORTGAGE ACCOUNT STAYS WITH COMMUNITY LOAN SERVICING BAYVIEW LOAN SERVICINB SINCE THEY WERE OFFERING ME HELP THROUGH THE GOVERNMENT PROGRAM SINCE I LOST MY JOB DUE TO XXXX. PLEASE I NEED TO FINISH WITH THIS NIGHTMARE. I AM A SENIOR CITIZEN DREAMING ABOUT TO HAVING SOME PEACE OF MIND AT MY AGE. GOVERNMENT PROGRAM WAS OFFERED TO ALL CITIZENS WHO LOST THEIR JOBS DUE TO XXXX TO AVOID LOOSING THEIR HOMES AND I HOPE THIS GOVERNMENT PROGRAM REALLY IS TO HELP US TO KEEP OUR HOMES. I WORKED VERY VERY HEARD TO RAISE MY CHILDREN AS A SINGLE MOTHER AND ALSO PAYING MY MORTGE ON TIME.
04/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32127
 Web
My home was hit by hurricane Irma XX/XX/2017. I live in XXXX XXXX, Florida. The hurricane damage required me to repair my air conditioning which I could not afford. My mortgage company at the time was XXXX and I called and was offered three months of a forebearance to get back on my feet after the storm. I accepted as this allowed me to repair my air conditioner and fencing that had been knocked down. When three months were I called XXXX to make my XX/XX/XXXX payment and was told they would only accept {$3800.00} and I could not pay one month. I did not have that money as it was spent to repair damages from the hurricane. My loan was then transferred to Bayview and I applied for a modification to put the past due on the end of the mortgage and start making payments again. Bayview denied the modification, refused to accept less than all payments due and filed foreclosure. I have appealed Bayview 's decision to not offer me a modification and their response is that the investor is XXXX XXXX XXXX and I have exceeded the allowable number of modifications. I feel as though I would not be in this position had I not been offered the forebearance to " help me '' after the storm. I am afraid of losing my home because of hurricane Irma. I was current and my first missed payment was XX/XX/2017 after the storm. Thank you.
02/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11357
 Web Older American
My XXXX home mortgage was sold to a company called Bayview Loan Servicing , LLC in XXXX of XXXX. I was up to date with my mortgage payments and I was advised by Bayview on XX/XX/XXXX that my mortgage was in default because I was paying the incorrect amounts. They stated my mortgage payments were supposed to be {$3700.00}.. My mortgage amounts have always been {$3400.00}. I began paying the new amount of {$3700.00} as directed and now I have been advised that my mortgage in default and that my house would be put into foreclosure. They are not applying payments correctly and it has been extremely difficult trying to get in touch with the representative who was assigned to me. It takes her a full 48 hours to return my call. If you look at my statements it shows unapplied payments. My mortgage is not in default as I have been making the mortgage payments in the new amount that they requested. The representative assigned to me at Bayview can not explain to me why I am in default and is now requesting {$15000.00} and stated if I do not pay this amount my house will be put into foreclosure. I went back to my original mortgage holder, XXXX Bank and they advised me to negotiate with Bayview because there was no mistake on my part in the amount that I was paying the correct amount on the statements that I was receiving.
04/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89408
 Web
I had been asking my mortgage company for help for 3 years starting in XXXX. My husband was diagnosed with XXXX. The 1st offer that they sent me was in the XXXX week of XX/XX/XXXX. They wanted the offer to start in XXXX but did not give me the paperwork in time period I signed it with the stipulation that they were gon na take money from funds they were holding due to a loss on our home. The next thing I received from them was information that I did not take their offer. I was transferred from 3 different people during this process I reached out to another government agency for some help because I'd already had a signed agreement. They had a for closure date set for XXXX. They postpone math while working on another offer for me both of these offers were {$500.00} more than my mortgage payment. Which didn't really help me but I was willing to sign or do anything to get back on track. The next thing I got from my mortgage company was a letter introducing me to another guy who is going to be handling my case and that was the XXXX week of XX/XX/XXXX Then I get a knock on my door on the XX/XX/XXXX stating that they had foreclosed on my home I have been fighting them asking them to resend it asking them to let me make it up asking me to get a new loan I really need some help here A fair resolution would be for them
10/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 474XX
 Web
Fist thing I am on fixed income my payment is late every month I have tried to get them to change my payment date they will not they said they change it once but it was a bother company and they change it years ago when I got hurt on job. Now they are always saying I missed a payment when in fact I did not I call in it is always I different date. And then I needed help with my taxes so I got escrow that and hazarded ins that cost XXXX I made a deal with them I would pay XXXX more a month and I have been doing this for two half years and now they are telling me I owe them XXXX and I have to start paying more XXXX and I have been paying XXXX all that money has disappeared they will not help you get different woman every time that looks at my loan and they can not figure it out I messed one pay and I called them next three payment I pay XXXX three times to catch up and I did now I am getting letter they are going to for close on me and I am not missed a payment they bought my note and my life has been living XXXX call none stop home phone and my cell phone Bayview loan servicing XXXX. XXXX XXXX XXXX Florida escrow Department. Bayview servicing XXXX. XXXX XXXX XXXX tx XXXX phone XXXX XXXX XXXX they will not help they say they will and then I always get litter forclose on me I have tried everything XXXX XXXX
08/30/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • TX
  • 78250
 Web Servicemember
XXXX of XXXX I was notified by our Insurance carriers that the mortgage company had not issued payment for renewal of our insurance policies - Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided them with the information I had for our servicing company. I then received a notice in XXXX that policies were cancelled due to lender non payment. I tried calling our lender and was not able to reach anyone to determine what was going on. I was finally able to reach someone that informed me that our loan had been sold back in XXXX of XXXX. I was never informed that the loan had been sold nor had I received any kind of welcome letter or transfer letter of any kind. I then come to find out that our automatic payments also stopped during that time. In XXXX I was finally informed who the new services was and tried several times to log in online as I was unable to reach anyone by phone with no luck as I did not have the new loan number. Today I received a call indicating that all I needed to do was send in my insurance information and payment would be issued. They did not seem to understand the issues that arose from all of this. Automatic payment were not drafted as needed - Insurance was not paid as required - Monthly billing statements were never provided - a notice of transfer of servicing was never provided.
02/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89503
 Web
My name is XXXX XXXX XXXX and my home ( a mobile home ) at XXXX XXXX XXXX, XXXX, NV XXXX burned down more than two ( 2 ) years ago. I reached out to my loan servicer ( Loan # XXXX ), Community Loan Servicing ( Number XXXX ) when I inquired they advised me that I did not have insurance. I was approached by a friend of mine who is skilled in real estate and he looked at my payment statement and advised me that I had an impound account and I, in fact was being billed for insurance. XXXX XXXX became my Third Party Authorization and Power of Attorney. He sent the documents on XX/XX/XXXX. He then called the company on XX/XX/XXXX and spoke with a representative named XXXX in the XXXX Call Center. XXXX refused to answer any questions related to the insurance. XXXX XXXX then called back multiple times with the question about the insurance and escrow accounts only to learn that there was a lender placed insurance policy. And, in XX/XX/XXXX the lender received a check for {$82000.00} which should have fully satisfied the loan. I am asking that you use the money received to pay off the Loan ( now a short pay ). Finally, please stop the foreclosure and notify all credit agencies and communicate that I do Not have a delinquent loan. The insurance claim number in this matter is XXXX. Thank you for your assistance.
09/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75224
 Web
Please explain all discrepancies in the payment history for year XX/XX/XXXX-XX/XX/XXXX. I did not have access to payment history on Bayview Loan Servicing ( BLS ) web portal. When I completed my Chapter XXXX and it was finalized Bayview Loan Servicing released payment information and I was able to access the payment history on BLS Customer web-portal. The evidence in the report attached to this complaint shows that {$27000.00} was being held in the suspense account through as of date XX/XX/XXXX - XX/XX/XXXX the suspense Balance dropped to form {$27000.00} to {$26000.00} to {$25000.00} to {$24000.00} Please explain where the money in the expense account came from and why it was not applied to timely monthly mortgage payments. The Suspense account dropped {$7800.00} - XX/XX/XXXX. I have been over paying the monthly mortgage payment by {$52.00} monthly a total payment of {$2000.00} - On the BLS Monthly statement the payment amount is {$2000.00}. No where is the overage of {$52.00} being accounted for by Bayview Loan Servicing it is not reported on the website or the monthly statements. WHY NOT? BLS ESCALATION TEAM Please look at the attached legible payment history documents and cross reference the payment history and explain the suspense amount and suspense balance fluctuation.Where is the Money?
08/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33914
 Web
It 's very lengthy. To start my loan was being serviced by XXXX XXXX XXXX, after 5-6 years of trying to get a modification, 2 short-sales, than deed in lieu, we finally decided to do deed in lieu, they offered me {$10000.00} for cash for keys. ( Please note that I had a cash buyer through the short-sale and they ( mortgage company ) would not sign the papers in a timely manner and the people walked from the deal twice! ) After going through months of trying to close on the deed in lieu though XXXX XXXX XXXX ( XXXX ), my loan was transferred to Bayview Loan Servicing. They picked up where XXXX left off on the deed in lieu, but they said I could not get {$10000.00} it would be {$3500.00}. 1/2 when I sign the papers and 1/2 will be mailed to me. After months of going through the same procedures with them I was told the deed in lieu was approved, in XXXX, 2017. I signed the papers in XXXX, 2017 and they sent a notary to the house, they said he would have the check in hand, and I would have to sign for it, he did not have the check. To date I have not received any money from them. I followed all their instructions and they will not return my calls. The last I heard it was coming in the mail. Also I have not received any final papers saying the house was transferred out of my name and back to the bank.
03/25/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 94546
 Web
I wanted to refinance my loan with XXXX and also to modify my loan with them. As soon as they saw that we wanted to do that they sold the loan to bay view loan services. As soon as the loan was sold we found ourselves with people that came to do appraisals of the house without calling or making appointments. Then we had to pay XXXX appx in late fees that the company could not provide proof of. Then they opened an escrow account in our name without asking permission even though all our taxes and insurances are paid through XX/XX/XXXX and late XX/XX/XXXX. I attempted to call them XXXX times .i left messages only got voice mails. Then when I finally got a hold of a person when I told him that if the issue of the escrow account does not get closed I will inform CFBP he put me on hold and never answered the phone anymore. After on hold for over XXXX. Minutes I had to hang up the phone. Last year we subdivided the property. XXXX mortgage signed off on the subdivision. Now I have a mortgage covering XXXX properties which the bank does not recognize that are XXXX properties even if the county has XXXX different apn numbers. This new lender send an appraiser to do an appraisal on the old property ... ... which he did it incorrectly for the bank ... so he provided the bank with false information ... ....
02/18/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95648
 Web
I have a massive issue with my servicers. I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. I recently had my loan transferred over from BAYVIEW LOAN SERVICING who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer XXXX XXXX XXXX. Ive been working and trying so hard for so many years now to receive a loan modification from Bayview Loan Management and before that XXXX XXXX XXXX. And not once have they worked with me and cared or tried to help. To this day I have not received a welcome letter from the new servicer XXXX XXXX XXXX. Bayview Loan Management still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. Bayview Loan Management and XXXX XXXX XXXX strategically transferred my loan so that the time frame would just sell my home. If Bayview Loan Management and XXXX XXXX XXXX continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
09/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 31088
 Web
The loan was originally with XXXX and I received notice that effectiveXX/XX/XXXXBayview Loan Servicing will take over the mortgage. I was late paying XX/XX/XXXX payment so I sent XXXX XXXX AND XX/XX/XXXXpayment in one check with instructions in the memo section that the check was XX/XX/XXXXandXX/XX/XXXX. OnlyXX/XX/XXXX XXXX applied the check for XXXX 's payment and the remaining to my escrow account. Since that date I 've written multiple letters to XXXX and Bayview to have that money removed from the escrow account and placed towards a monthly payment to get my account up to date. XXXX has answered my letter and said since the account and escrow was turned over to Bayview then I must direct all questions and concerns to Bayview. I received a letter from Bayview saying they received my letter and they would answer it by XX/XX/XXXX. However, I then received a letter and notice of intent to foreclose if I 've not paid ( what I already paid ) by XX/XX/XXXX ; BEFORE they will even answer my letter and have them move the money that I already paid from the escrow account towards a monthly mortgage payment OR refund me the escrow so I can then send them a check. I saw no other option than to take out a loan so I could pay an additional monthly mortgage payment so my house is not taken from me.
08/09/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MN
  • 551XX
 Web
Our loan was assumed by Bayview Loan Servicing in XXXX XXXX. We had previously been serviced by XXXX. We filed Chapter XXXX bankruptcy in XXXX and made every monthly loan payment. We paid the courts our monthly payment for 60 months, they in turn paid the loan servicing company every penny they requested. When our loan was sold to Bayview they began sending paperwork about refinancing. The final court payment had been paid to XXXX in XXXX, just before the transfer. Once our chapter XXXX was paid in full Bayview notified the court and us that we were {$20000.00} behind in payments. I have called, sent filing documents, data from the courts about payments to the loan servicing companies and finally this past Spring 60 months of bank statements showing a payment made to a servicing company. They do not respond, they do not ever answer the phone and if they do call you back it 's always during the work day. I originally told them I am willing to discuss refinancing once we discuss why they think we owe them $ XXXX when it has already been paid. At this time I want this settled so that I can refinance or sell this home to get the mortgage out of their hands. Additionally, I am trying to make sense of the escrow monies they are collecting - they appear to be collecting more than required.
12/29/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 91941
 Web Older American
In 2014, our mortgage was sold to Bayview Loan Servicing , LLC . Since the recession of XX/XX/XXXX-XX/XX/XXXX, we have had difficulty paying our bills on time. Regarding our mortgage, the payment is due on the XXXX of the month, and we usually pay by XX/XX/XXXX, before a late fee is charged. There have been months where we were behind by 30 days, but have caught up. The company always calls us after the XXXX of the month, with multiple phone calls, until we pay. Recently, they did not receive our homeowner 's insurance information and set up an escrow account, thereby increasing our monthly payments. The insurance has been resolved and we have paid all of our monthly mortgage payments. Because of the escrow account, they are not applying the amount that we pay to the mortgage, but to the escrow account. When I called to make the XX/XX/XXXX and XX/XX/XXXX mortgage payment, they say that I am delinquent on my account. I have spent numerous hours on the phone trying to resolve this issue. I just sent an overnight letter cancelling the escrow account - even though I never asked them to put it on the account - as they told me that was the only way to resolve it. My main complaint is I want the phone calls to STOP. We feel that Bayview Loan is targeting us because my husband is XXXX.
04/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IN
  • 47303
 Web Older American
XXXX foreclosed on a mortgage that was paid ahead. XXXX agreed to restore and breached the agreement. An Underwriter by the name of XXXX XXXX obtained a modification approval on XX/XX/XXXX, using " reverse engineered '' income and property value information. XXXX XXXX claimed he verified an appraisal that indicated a FMV of {$160000.00} when he had no appraisal. Bayview loan servicing admitted they had no appraisal from XXXX to the Indiana Attorney General in XXXX. The records of payments made showed no payment to any vendor for an appraisal. At trial Bayview 's expert testified that the value of the property was immaterial. He claimed that XXXX XXXX loans more money on rental property than it is worth all the time. An FHA approved appraisal done in the relevant time frame shows a FMV of {$100000.00}. In addition Bayview admitted to the Indiana Attorney General in XXXX they received no HUD-1 from XXXX. At trial Bayview 's witness by the last name of XXXX testified the Defendants we not entitled to disclosure. ( HUD-1 ) He claimed that when 1 of the Defendants signed the original XXXX XXXX Mortgage in XXXX, he waived his rights to disclosure. Bayview was fully aware that the prior servicer paid the Defendants Law Firm without disclosure and provided no disclosure.
01/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
In response to my last complaint, this morning I received a voicemail from a person by the name of XXXX XXXX inviting me to call her at my earliest convenience. I did so at XXXX PST today ( XX/XX/2021 ) but the number she gave me was the general customer service number. That meant waiting in a queue for half hour to get to speak to somebody. When someone finally picked up, I had to get verified. After I was verified, I had to tell her to transfer me to Ms. XXXX. The representative spent 5 minutes searching for her in the directory. When she finally transferred me, the call went directly to a voicemail with two options : 1 ) make an appointment, 2 ) leave a message. I chose " make an appointment '' only to hear a recorded message informing me that no appointment could be made at this time. Is this how Community Loan Servicing addresses their customers ' calls for help? I am in a dire situation trying to save my building and my livelihood, and they refuse to do something as simple as giving me a number for a direct contact. Once again, I spent time and emotional energy trying to be a responsible homeowner only to be sandbagged by this institution 's continued internal disfunction. Please help me sort this through because they are clearly not interested in helping me.
10/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have emailed and faxed the authorization to XXXX XXXX XXXX multiple times over the past month and XXXX XXXX XXXX claims they have never received it even though we have talked to multiple people, and been given multiple and different fax numbers and email addresses. *****There is a FORECLOSURE AUCTION IN TWO DAYS AND XXXX XXXX XXXX IS REFUSING TO SPEAK TO US AS AN AUTHORIZED THIRD PARTY********* Today, we spoke to a manager who supposedly gave us her personal fax and assured us she would call uW back the moment she received it. Guess what??? -- -- NO CALL BACK FROM MANAGEMENT EITHER. XXXX XXXX XXXX has been playing this Authorization Game with us for over a month. Seems the only way they will acknowledge receipt of our authorization is to file a CFPB complaint, so here it is. I expect XXXX XXXX XXXX to be fined appropriately for this purposeful deception and fraud. If the CFPB or any other government entity would like a full and complete list of the multitude of issues we have with XXXX XXXX XXXX on EVERY SHORT SALE FILE WE HAVE EVER HAD WITH THEM, they need only to ask. I expect this authorization to be attached to the file IMMEDITAELY AND WITH NO FURTHER DELAYS OR EXCUSES!!!!!!!!!!!!!!!!!!!!!
05/05/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IA
  • 52806
 Web
This is a follow up to complaint number XXXX with Bayview Loan Servicing, loan number XXXX. I have filed a appeal of theri decision not to extend me a loan mondification. Explaining in this appeal the reason I had financial issues with the first modification that was out of my control due to employment. I submitted documentation of the changes of employment, and the differences in income ( from a loss of income of almost 8k a year, to rebounding back to the income levels that I had before the modification was in effect. I have been denied by BayView, with conflicting reasoning, on letter stating that they did not have the documentation needed to make a determination by the date stating in the denial letter. And a second letter stating that I was denied for being late on the last payment ( which I did call and attempted to make, and was told by the representative on the XX/XX/XXXX that I could not make the payment, and they would not except a payment. Even though I made the first two payments on time, and one of them 2 weeks early. I am submitting the two details letters that was sent within a week of each other giving different reasons for denial. All documentation was givin showing the change in work, and my health issues that cause all of this to take place.
09/02/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • PA
  • 19087
 Web
I recently executed a Deed in Lieu with Bayview Mortgage servicing ( XXXX XXXX had bought the loan from XXXX ). The date of the Deed was on, or about, XXXX/XXXX/15. I have heard nothing From the servicer or the Title Company since then and can not get them to record the document. I had kept the mortgage current for several years even though the property was " under water ''. By renting the home ; I was able to service the debt while still putting in additional cash. This situation became untenable when the loan became amortizing. I offered Bayview the opportunity to move the loan back to interest only and I would rent it and carry it for XXXX more years as the market recovered. They liked that plan but put my through the HAMP program. After months on information gathering, they determined the program was not available to me ... the reasons are still unknown to me. As the HAMP program only allows for interest rate reduction ( ( my rate was 2.75 % ) ; it did not provide me the relief needed to continue. The interest only model would have worked for both me and the Lender but I was told it was not allowed by the CFPB. Regardless, the best alternative for me was the Deed in Lieu, I am just looking for them to complete that process OR at least communicate with me.
08/29/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 900XX
 Web
In XX/XX/XXXX, Bayview Loan Servicing became the new company that took over my loan from XXXX XXXX XXXX who took over my loan from XXXX XXXX XXXX. After years of trying to get a loan modification from XXXX. Bayview started a loan modification for me in XX/XX/XXXX. After losing " sent '' files and other mishaps by the Bayview that prolonged the modification process for months. In XX/XX/XXXX and XX/XX/XXXX I received two " drive-by '' appraisals on my property which were totally incorrect. I had in XX/XX/XXXX, gotten an appraisal on my property. After getting turned down for a loan modification for a mistakes, like not recording documents that were sent to representative to name a few things that Bayview had made. I appealed the decision of denying me a loan modification. As I wait for the appeal to be completed, to my surprise I receive a " posted notice of foreclosure date '' on my property stating that a foreclosure sale is scheduled for XX/XX/XXXX. I have never received a disposition on my appeal but Bayview has hired XXXX XXXX to sale my property. This seems like Dual Tracking which is unlawful for a loan service to do as an appeal is still pending. I have not received anything regarding my appeal but a foreclosure sale is scheduled for XX/XX/XXXX
05/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 926XX
 Web Older American
Bayview Loan Servicing is consistently sending me letters that I am default in my mortgage payments and sending me statements that do not show accurate payments to my loan account. I am continually getting letters indicating that they have representatives available to get me appropriate counseling for my financial troubles, which I've never had with my mortgage companies. Recently, I received two certified notices, one addressed to my beloved deceased mother titled " NOTICE OF DEFAULT AND INTENT TO ACCELERATE '' dated XX/XX/XXXX. The second notice was sent to me, see attached copies. Since XXXX, I have never defaulted on any payment for my mortgage and always paid on a timely basis. I have had to resort to sending my monthly payment by certified mail with the USPS so that these payments may be traceable. I have all the documentation necessary to bring a formal complaint against Bayview Loan Servicing. The unprofessional tactics have caused me much distress. I have on many occasions called their offices to resolve this ongoing harassment. I have even advised them that I would retain legal counsel if this unfair treatment did not stop. Therefore, I am appealing to your agency to investigate Bayview Loan Servicing for the complaint herewith formally submitted.
04/13/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • XXXXX
 Web Older American
In XXXX were solicited by XXXX Representative to refinance our home. Loan closed XXXX. 1. XXXX or XXXX XXXX sold my loan to XXXX XXXX 2. Applied for modification XXXX Received approval XXXX was instructed to wait for papers. 3. XXXX XXXX XXXX filed Lis Pendens/Forclosure 4. XXXX We offered XXXX to bring loan up to date with a large lump sum payment. BA refused to accept OR reject offer. Refused to make a decision at the Corporate President office level. BA did not want a resolution, XXXX wanted our house. 5. Spouse did not sign loan docs as required by FL homestead law. Entered motion to dismiss mortgage and foreclosure based upon FL law, still pending. 6. XXXX XXXX sold their interest to BayView Loan Services that removed XXXX from pending lawsuit/forclosure proceedings and our motions against XXXX. 7. XXXX to XXXX At not time has XXXX acted in good faith toward any form of equitable resolution. By way of example, see # 4 and # 5 above. 8. XXXX XXXX sold their position to BayView Loan Serviced in XXXX. BV started by grossly overstating our loan balance. 9. XXXX In XXXX place ( but not entirely we hope ) comes the new and continuing battle with BayView ... ... ... ... to be agressively investigated by CFPB we pray. With your help WE WILL NOT GIVE UP.
04/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • OR
  • 97402
 Web
My loan was in forbearance due to impact from Covid 19 and on a repayment plan with XXXX Mortgage who sold my loan to Community Loan Servicing in XX/XX/2021. I immediately contacted this new company to make sure everything had transferred properly and was forced to set up a new payment arrangement as the previous agreement did not transfer. After numerous hours and phone calls, I was led to believe that everything was in place and my account would not be delinquent with this new payment arrangement. I even received documentation stating I was on a repayment plan. However, it has since been reported 30 Days past due as of this month XXXX XXXX XXXX and my credit took a hit. I called to get this corrected, spoke with a rep only to be escalated, as Community Loan Servicing would not take responsibility for this issue. They repeatedly said that a repayment plan was not coverage for credit reporting though I was lead to believe so in all previous communications. They acknowledged my loan came from XXXX Mortgage in forbearance, and would look at backdating my current account with their own forbearance, but made no attempt to settle the credit issue. They gave no specific timeline on any resolution nor any promise that future credit reporting would not be negative.
09/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10303
 Web
My name is XXXX XXXX XXXX XXXX loan number is XXXX social security number is XXXX date of birth XXXX. My complaint is that community loan servicing LLC took me off a covid forbearance I've been making my payments little by little I'm a little behind. But I suppose to be on the extended forbearance .that protects me for going default I got a phone call XX/XX/2021 saying I'm past due. When I call them they claim that I'm still on forbearance. But they never updated the system. And that can cause a serious problem .also community loan servicing Insurance department sent me a letter asking me for proof of hazard flood insurance for the out side of the condo I told them that the condo association is responsible for that and the condo policy is under XXXX XXXX all they have to do is call them to get policy information regarding that issue. And they unlawfully sent me a letter saying that they were going to raise my mortgage payment next month. Regarding the other matter the forbearance. Also they keep charging me late fees and services fees for little things .I do have money in suspense and paying little by little around a XXXX every two weeks and sometimes XXXX. I told them to keep me on forbearance until I catch up on my payments and I was affected by XXXX
11/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89436
 Web
XXXX XXXX XXXX XXXX several mortgage companies ... mine started with XXXX XXXX and was sold within 30 days to Bayview which in turn sold it within 30 days to XXXX XXXX XXXX ... I made 2 payments 1 ) for {$1500.00} to XXXX on XX/XX/2019 and 2 ) for {$1300.00} on XX/XX/2019. On XX/XX/2019 they sold the acct to Baview with a suspended transfer amount of ( {$1300.00} ) and transferred amount of {$150000.00} bayview says it transferred at origination amount of {$150000.00} then they applied the suspended amount of {$1300.00} which brings the amount to {$150000.00} ... .I noticed the double payment within 7 days and started to get it resolved with both XXXX and Bayview ... it has now been approx 8 weeks, 10 calls, numerous explanations given, some helpful most not and still not resolved ... they made me get the paymentment history ... which XXXX XXXX services both company 's ... then said they could request it ... emailed all proofs on XX/XX/2019 called XX/XX/2019 ... and still not resolved ... I have a letter dated XX/XX/2019 they have sold the mortgage to XXXX XXXX XXXX ... interesting on date of letter and when proofs were sent to them ... in the meantime they are saying to make payments as usual though they will have no penalties for the next 30-60 days
01/08/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • GA
  • 30253
 Web
I am writing in reference to Loan Number XXXX being serviced by Bayview Loan Servicing LLC. The objective of this correspondence is to File a formal complaint against Bayview Loan Servicing in reference to the payoff of my home. On XXXX XXXX, XXXX I signed a loan modification agreement with Bayview Loan Servicing , LLC that also had a principal reduction component as part of the agreement. The principal reduction component was for a total amount of {$410000.00}, reducing the principal of the loan over a 36 month period ( modification agreement attached ). In XXXX of XXXX, I received an IRS Form XXXX as a cancellation of debt for the total amount of the principal reduction of {$410000.00} ( Form XXXX attached ). I have also, received XXXX separate payoff since XXXX of XXXX that state the amount of the payoff of the loan with the total amount of the principal reduction included. Additionally, I have a taped conversation with an individual from Bayview stating that the payoff amount included the total amount of principal reduction. I have attached copies of all the payoff statements sent to me over the last few months. Lastly, I currently have the home for sale. Please assist me in resolving this matter in an expeditious manner and avoid litigation.
03/02/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30064
 Web
My ex-husband and I own ( with a mortgage ) a co-op apartment in XXXX. As part of the divorce, he got to live there, and was supposed to maintain the payments. As it's a co-op, it has ( essentially ) HOA or maintenance fees. My ex-husband got very behind in the HOA fees, so much so that legal counsel for the co-op contacted the company holding/servicing our mortgage. The servicing company paid the HOA in full, and added the amount to our mortgage payment. All of which, while embarrassing, is fine. About then, I stepped in. I'll skip over the part where the servicing company refused to let me pay the arrears back in a lump sum, and that the many times I've called with questions the friendly folks on the phone were not equipped ( educated, trained, etc. ) to answer. For reasons not made clear to me, and without mine or my ex-husband 's permission, the servicing company now considers the legal counsel for the co-op to be the primary client. All of my mortgage statements, my tax documents, etc., are sent to a lawyer who is not in my employ, not representing my interests and ( if my conversation with the representative from the lawyer 's office is correct ), never asked for it. Please make them stop sharing my personal information with strangers.
06/04/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 11756
 Web
My mortgage company increased my mortgage payment by approximately {$250.00} but could not justify the amount when questioned. When I calculated the increase from XXXX of my escrow it was a {$400.00} difference, which is approximately a {$34.00} difference per month. Bayview confirmed this over the phone yet still charged me {$250.00} more per month in escrow. Every time I called they refused to give me a supervisor or the name of a supervisor and continued to tell me that I could dispute the amount even though their documentation did not support their claim. I requested documentation and they did not fulfill that request. They stated that they had tax bills to support the amount but when I requested a copy of them they did not have them. You can not give someone a bill without supporting documentation. The disturbing piece is their customer service department supported their flimsy, weak statements and believed they were right. I am shopping for a new company. If your loan is sold here I strongly advise you to find a new servicer because they will take everything from you if you are not paying attention and they do not resolve issues, nor do they provide any form of customer service. Their only actions are to steal form unsuspecting customers.
08/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 86401
 Web Older American, Servicemember
In preparing an official complaint through the FTC and the CPSA, I took a look at the complete history of billing statements made available on your website. To an extent, I recant allegations that Bayview/Community failed to apply advance prepayments directly to principle as required by the original not, HOWEVER ( my complaint will go forward, though modified ) It seems Bayview/Community altered my payment without my approval to accommodate 12 months of payments across 26 bi-weekly payments, thereby circumventing the prepayment clause. THAT IS A DECEPTIVE PRACTICE AND IS INTENTIONAL THEFT. unfortunately, I have no recourse for that. HOWEVER, it does appear that XXXX indeed did fail to apply advance prepayments according to the terms of the original note. Thus it became incumbent upon Bayview/Community as assignee of the note, to apply all accumulated prepayments to the principle as Bayview/Community assumed control of this account. Therefore, I now implore Bayview/Community to adjust the opening balance of this note as assumed by the total of advance prepayment accumulated. I do not care if that involves the reissuance of 1099INT or 1098 's ; none of that is my concern. I am moving forward with a formal complaint with a copy of this text.
07/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • 077XX
 Web Older American
On XX/XX/XXXX I signed a mortgage note and gave it to XXXX XXXX XXXX XXXX ( XXXX ). XXXX went out of business by XX/XX/XXXX and did not assign a note to any entity. Then XXXX XXXX XXXX XXXX claimed that it was the servicer of my loan and XXXX XXXX was the owner of my mortgage without proof. In XXXX of XXXX the loan went into default. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( MERS ) assigned the note and mortgage to XXXX with having a power of attorney, On XX/XX/XXXX Chase created the Affidavit of Lost note, On XX/XX/XXXX Chase assigned the note and mortgage to Bayview Loan Servicing LLC ( Bayview ). On XX/XX/XXXX Bayview filed for foreclosure with the assignment of XX/XX/XXXX, the Affidavit of Lost Note of XX/XX/XXXX, and the Assignment of XX/XX/XXXX. On XX/XX/XXXX Bayview transferred the mortgage to XXXX XXXX ( XXXX ). Now XXXX claims that XXXX XXXX is the owner of my mortgage which negates XXXX, XXXX, and XXXX 's claims about the assignment of XX/XX/XXXX, the affidavit of lost note of XX/XX/XXXX, and the assignment of XX/XX/XXXX. Sometime in XXXX Bayview fabricated a HAM Agreement of XXXX in which a notary public forged my signature. I am trying to get to the bottom of this chain of fraud and figure out who owns my mortgage with proof.
01/11/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • TX
  • 775XX
 Web
I want to file a complaint regarding 2 missing house payments that are not being accounted for by my mortgage company. I did not miss any payments for XX/XX/XXXX until XX/XX/XXXX. I started getting behind on my payments XX/XX/XXXX. I missed XX/XX/XXXX and XX/XX/XXXX, then I started paying my house note on XX/XX/XXXX for {$5200.00}, paid {$5200.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5100.00} on XXXX, paid {$360.00} on XX/XX/XXXX suspense shortage, paid XXXX on XX/XX/XXXX suspense shortage, paid {$12000.00} on XX/XX/XXXX, paid {$3000.00} on XX/XX/XXXX thru XX/XX/XXXX. I have paid a total of 9 months of payments to pay my house notes. XXXX XXXX XXXX XXXX is only accounting for XXXX payments which is incorrect. Please review all documentation enclosed. I have order a total print out from XXXX to clarify payments and other institutions. However all payments up to XX/XX/XXXX is on my account activity loan payments from Bayveiw Loan Servicing LLc. And all the payments from XX/XX/XXXX until XX/XX/XXXX I have. I am in the process of a loan modification that is approve on XX/XX/XXXX. However I donot want to close on it until this error on the monies paid are corrected.
07/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NC
  • 28052
 Web
Community Loan Servicing was that company I used to have my mortgage with ( https : //communityloanservicing.com/ ). I sold the property. Community Loan Servicing got paid. I however never got a disbursement check from them. The closing was on XX/XX/2022 ( when the house went to the new owner ). I had paid XX/XX/2022. I understand they charged XXXX, XXXX, and XX/XX/2022 to the title company. There was escrow too. Meaning that they should give me money back. Community Loan Servicing instead transfer my loan to XXXX XXXX. XXXX XXXX says my information could be with XXXX XXXX I have spent numerous amount of hours with representatives from the 3 companies but none of them can find my info. I changed address but have not even been able to update any of my info because none of these companies have my account information. My name is : XXXX XXXX My phone number is : XXXX My social security is : XXXX My email is XXXX The account number with Community Loan Servicing is XXXX The address of my property that got sold and had the mortgage is : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX. The closing ( sale ) happened on XX/XX/2022. The title company was : XXXX XXXX XXXX XXXX. My new ( mailing ) address is : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX
02/12/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30097
 Web
My loan was transferred to Bayview Loan Servicing and it has been nothing but a NIGHTMARE! I was doing a Trial Loan Modification and I paid all XXXX payments on time as agreed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming the didnt receive my XX/XX/XXXX payment. I sent proof to XXXX showing it was debit from my account just like XX/XX/XXXX and XX/XX/XXXX payments. She argued with me that it wasnt received. I went to my bank and they thought it was strange also that they claimed they didnt receive my XX/XX/XXXX payment. I called my bank today to asked if they found out what happened and the clearly stated that XXXX XXXX XXXX lied to me! The XX/XX/XXXXpayment was received by XXXX XXXX XXXX and they provided me with the transaction number. XXXX lied to me so that I would file something with my bank and make it look like the funds were returned. XXXX is my witness. I did everything I was supposed to do. They are ripping people off and telling lies about not receiving payments. My Attorney will be handling this because it has STRESSED ME OUT. I HATE A LIAR and I HATE MY LOAN WAS TRANSFERRED TO THESE CROOKS! Please STOP these people from illegally foreclosing on people homes ...
02/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90744
 Web
Bayview Loan Servicing wasn't mortgage company I was on foreclosure my sale date was XX/XX/XXXX according to the lawyers They gave me a reinstatement quote of {$20000.00} as of XX/XX/XXXX I was put on a repayment plan gave them {$10000.00} XX/XX/XXXX then 1st repayment {$3000.00} XX/XX/XXXX last payment XX/XX/XXXX I thought I was clear done all caught up but then in XX/XX/XXXX I get a notice that they sold my mortgage to XXXX according to XXXX I still owed {$5700.00} which is what XXXX stated in my mortage statement I cant believe they want more money I can not in good faith give NO more money unless someone can tell me where did all the money I gave them go I have given them more than enough & still they want more money scaring me into foreclosure or default I'm asking you to please look into this I can not will not give them no more money unless someone can tell me where all the money went why I still owe & how come my balance on my house never went down??? Attached is all the mortgage statements since XXXX the figures never add up all tax forms documents XXXX & XXXX. Also I'm attaching all proff of my payments to them bayview loan Servicing Please please help me If you can tell me how I owe them more money I would love to know
01/15/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 34119
 Web Older American
Bayview loans holds my Mortgage. It seems they are giving me the runaround and have no intention of approving any modifications. I submitted all docs required. I meet all requirements for modification as my income was cut in half due to retirement. I am 1 month behind because of them not approving this. they turned me down once and told me to reapply, reason they turned me down they said docs were not sent in on time. have papers to prove that is a lie. Then I reapplied and sent them XXXX pages of docs at XXXX time. Underwriter should have gone over all docs at XXXX time and if anything was needed send out XXXX correspondence with any questions. Instead just like the first time they send asking for XXXX thing than 3 weeks later another thing than3 weeks later another. It got to the point they asked for the same docs twice. I sent XXXX faxes to the CEO of Bayview to express my concerns and was never answered. My bank told me that they are doing this because they have to by the Government and this is their way of avoiding this. I need someone to step up and help me. there is a lot more about what has occurred with them. I have all papers from the first time I started this till now and they prove what they are doing to the consumer.
05/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33573
 Web Older American
We sold our home in XXXX on XX/XX/XXXX, mortgage loan balance was paid in full to Community Loan Servicing LLC. There is an escrow balance of {$5000.00} that is due me that I have been unable to collect. I first called company around XX/XX/XXXX and was told my check was mailed on XXXX, but was sent to the XXXX XXXX. I never received the check even though I did have my mail being forwarded. I tried calling several times but had a very difficult time getting through to anyone. On XX/XX/XXXX I reached someone that updated my new address and tried to get me through to the customer advocate team. No one answered & I was prompted to leave my call back number, which I did but never got a call back. I called again on XX/XX/XXXX and was told a new check was issued and MAILED on XX/XX/XXXX to my current address & to give it 5 business days to arrive. Today is XX/XX/XXXX and no check. I just called again and was told there was no 2nd check sent because they still had to put a stop payment on the 1st one, they would send a new check in 5-7 daysBUT they probably wont be able to because my loan was sold to a new company and as of XX/XX/XXXX I would have to deal with them! I have been lied to repeatedly and I want my money due me. Please help!
01/25/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80228
 Web
My Mortgage was initially held by XXXX XXXX then sold to XXXX XXXX and then to XXXX XXXX and then to XXXX XXXX. I was never informed my loan had been sold from XXXX to XXXX and kept paying XXXX XXXX who collected the money. In XX/XX/XXXX I received a certified letter from XXXX saying I was in default and immediately paid three payments but they had already sold my mortgage to Bayview. I have paid the mortgage each month but Bayview states that I have not paid for XX/XX/XXXX. When I first called Bayview they said I owed XXXX dollars and then I was current. I paid the amount at that time. Now they are saying I am late for a payment even though I provided documentation that I had paid every month. XXXX reimbursed some payments but did not return all the payments I had paid them. Bayview says XXXX did not pay them the correct amount. I requested a transcript of calls with Bayview which they have not produced, I have also requested an answer to the documentation sent to them showing the payments I have made to all these companies and have received no written response. I am speaking to their escalation department again requesting and they are now saying that I requested a transfer from my escrow account which I have not made.
09/29/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • OH
  • 43202
 Web
For a period of time, my mortgage was underwritten by Wells-Fargo ( because mortgages are allowed to be bought and sold freely with no input from the customer ). How do I know if I am one of the people who has been wronged in this fiasco? Will Wells Fargo be forced to somehow publish the names of its victims so we can look ourselves up? The action of Well Fargo is likely to have damaged the credit ratings of many, many people. Today credit ratings are vital to most every aspect of a person 's life, since they are used as the basis not only judge whether you can receive a particular mortgage or car loan, but they are used to approve rental applications, financial aid for education opportunities, and to determine employability by many employers. Something must be done to restore the proper credit rating standing of these people. What can I do to find out whether Wells Fargo 's action affected my credit rating and how can I fix that damage? I know that Wells-Fargo has been cited and fined for defrauding the public, but I am asking that you also pursue them for each and every case of *identity theft* in which their staff engaged when using the names of customers to open accounts without the customers ' knowledge. Thank you
11/01/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60139
 Web Older American
my loan was transferred from XXXX XXXX to Bayview loan on XXXX/XXXX/2015 and from the beginning there was problems with their accounting for crediting me with previous payments to my former XXXX XXXX. Finally after months of exchanging paper work I finally had an apology from Bayview Loan saying they made a mistake and would rectify my account which they did, but now it is starting all over again. On XXXX/XXXX/15 I received an annual escrow disclosure statement saying there would a shortage of {$46.00} and if I made a lump sum payment ( which i did on my XXXX/XXXX/15 mort. payment ) my new monthly payment would be {$1400.00} instead of my previous regular amount {$1400.00}. Now i received an amount due on my XXXX/XXXX/15 for {$1400.00} because they never credited my lump sum payment of {$46.00} on my XXXX/XXXX/15 payment. On Bayview Web site I payed my amt. on the due date XXXX/XXXX/15 and they posted on their site as XXXX/XXXX/15, but now they say they received it on XXXX/XXXX/15 which makes me late by six days. On my XXXX/XXXX/15 payment Bayview only deducted {$180.00} off my principal amt. when it should be {$540.00} according to their statement dated XXXX/XXXX/15 with my extra {$100.00} to principal. Some thing is wrong!
11/22/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OK
  • 741XX
 Web Older American
My ballet school business ( I teach in schools ) was shut down by Covid, and still is due to the Delta variant. I was on forbearance. I was offered a modification payment of $ XXXXon XX/XX/2021. I was planning to accept but noticed it said my balance due of XXXX} was as much as the original loan of {$XXXX} XXXX years ago. I have paid them {$XXXX} already. I asked for full payment history with balances from the beginning of the loan, including an explanation of {$XXXX} XXXX XXXX they invented, to show how this balance could be accurate. After months of calling, put on hold for XXXX minutes per time, messaging, emailing, texting, and sending a certified letter, I finally received only the last XXXX years payment history. They had previously charged me almost {XXXX} for a previous modification from XXXX to XXXX % They sent me a new loan modification with a higher payment of {$XXXX on XX/XX/2021, with a maturity date of XXXX. That would be XXXX years of paying them, plus another {XXXX, or {$XXXX} for my {XXXX} house. They will not send me the full payment history, no matter how many times I ask or who I talk to. I asked to resume payments in XXXX when my business is supposed to resume ; they speedily set it up for XX/XX/2021.
09/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02301
 Web
I had an open mortgage loan with XXXX XXXX XXXX XXXX Acct # XXXX reporting date XX/XX/XXXX and an open date XX/XX/XXXX. Bayview Loan Servicing is reporting that I had a loan with them open date XX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States? I never had a mortgage with BAYVIEW LOAN SERVICING at no time in my entire life. I have enclosed my supporting documents to affirm the claim that Bayview Loan Servicing repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. Bayview Loan Servicing is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ). I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit Bayview Loan Servicing account should be removed from my XXXX credit report. I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.
09/21/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 94561
 Web
The servicing of my mortgage was transferred to Bayview Loan Servicing XX/XX/XXXX. The loan is a 10 year interest only note that originated XX/XX/XXXX, with the interest only period beginning XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX Bayview sent me a notice stating that the interest only period of the loan had expired and payments were now required for principal and interest. I contacted customer service and notified them of the error in servicing, the customer service representative reviewed the note and amortization schedule and created a case for review agreeing that the loan was still in the interest only period. On XX/XX/XXXX, I received a letter from Bayview providing all of the supporting documentation with the section stating the interest only period started on XX/XX/XXXX, then concluding that the XXXX period interest only period has expired. I have spoken with multiple supervisors who have all committed to resolving the issue, but the issue has not been resolved. It is hard to believe that this company can stay in business with the demonstrated level of incompetence, which brings the concern that they are in fact maliciously mis-servicing loans to fraudulently force people out of unfavorable loans for the servicer.
12/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • 92131
 Web Servicemember
By Letter dated XX/XX/XXXX, Consumer Loan Servicing Responded to my complaint to the CFPB. Consumer Loan Servicing was not factual in their response, nopr di they address the following : - There are two ( 2 ) seperate entries on my credit report. - The entry for XXXX Mortgage XXXX, which is clearly identified as a Conventional RE Mortgage. - The second entry, for Community Loan Servicing is hidden and falsely identified as Secured Individual Account. - Community Loan Servicing, did not legally exist until XXXX XXXX, XXXX. I have never done business with this enity, nor do I have any documentation saying that I did. Furthermore, XXXX Mortgage XXXX, did not change it's name until XX/XX/XXXX. First, How is it legally possible for a business that did not exist, until XX/XX/XXXX ; to submit an entry on my credit report dated XX/XX/XXXX. Second, how can a business that I have never done any business, have the legal right to make any entries on my credit report? I request that any entry on my credit report that has been made by Community Loan Servicing, be removed ASAP, and that only the proper information confirming my closed account with XXXX Mortgage servicing be allowed to remain! Regards, XXXX XXXX XXXX
06/25/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 130XX
 Web
XXXX XXXX XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX when taken over by FDIC. Over appraised home by {$95000.00} using a second appraisal when first came in much, much lower. At closing never paid all funds. Went out of business before addressing fully. Sent 3 people to my home on XX/XX/XXXX to harass me banging on windows and doors frightening my children and arousing neighbors. Filed foreclosure proceedings that were dismissed for failure to prosecute XXXX XXXX XXXX.XX/XX/XXXX-XX/XX/XXXX Claimed ownership of Note and mortgage through FDIC. Rejected 10 loan modifications from XX/XX/XXXX-XX/XX/XXXX. Filed two foreclosure complaints, second was picked up by XXXX XXXX XXXX XXXX who bought mortgage during litigation from XXXX.both dismissed. Bayview Loan Servicing LLC.XX/XX/XXXX-XX/XX/XXXX Have no original Note, was not in possession of it at time it filed foreclosure summons. Still awarded Summary Judgement even though they admitted that their affidavit was wrong, and found a missing {$7600.00} 1 year into foreclosure proceedings, proving at was not even in default when lis-pendens filed. Judge is a close family friend of my ex wife and should have recused himselfas he did in two other cases involving us. Appeal being filed
10/28/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 27703
 Web
I had my mortgage loan bought by Bayview Loan Servicing , LLC . Subsequently I am in the position to sell my house and the Law firm doing the closing requested a Loan payoff amount eight days prior to the closing. The law firm never received anything and they called Bayview two days before the closing. Bayview told them they could not provide information to them over the phone but I, as the owner, could get the needed information. I called and was told I could not get the info over the phone either. I requested the payoff amount through Bayview 's website and now was told it would take 48 - 72 hours. I tried calling back to speak with a supervisor to try to escalate the process and was forwarded to a voice message. I called back again and after an excessive wait was told a supervisor would not be able to speak with me for at least another hour and asked if the supervisor could just call me back. I finally agreed and never received a return call. I called again this morning and same scenario that the supervisor was handling other calls and would call me back. For something as simple as a payoff amount I can not get anyone to provide information to me. The law firm is experiencing the same lack of customer service.
10/21/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • WI
  • 53189
 Web
The original loans were originated through XXXX, XXXX loan when the home was purchased ( loan $ XXXX ) XXXX, {$180000.00} ) and a subsequent XXXX mortgage ( loan # XXXX XXXX XXXX. According to our County Clerks office XXXX released the lien for the XXXX mortgage on XXXX of XXXX and sent a letter to us on XXXX XXXX verifying the loan was paid off. XXXX of XXXX we filed for bankruptcy and as the process of notifying creditors our law firm contacted XXXX of our intent and they responded the total amount due for both loans was {$73000.00} and that is what the court documented as the total due. Throughout the time between XXXX and XXXX we have complied to all requests for consideration of loan modification. Every request was denied due to an additional {$240000.00} owed. In XXXX Bayview Loan Servicing is now servicing the loan ( acct # XXXX ) and are labeling the {$240000.00} as a corporate advance. The disturbing twist of events has paralyzed our family in fear of losing our home and due to their positioning of the events have left us without any alternative options of refinancing through another lender or selling he home. Lastly, the only secured position through liens is the second mortgage of {$73000.00}
06/27/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89104
 Web
Homeowner/Borrower requested loss mitigation assistance in XX/XX/XXXX and received a TPP. While homeowner was making the TPP payments, servicer moved forward with non-judicial foreclosure anyways. Homeowner was not aware that the property had been sold in foreclosure until someone knocked on his door and advised him that he and his family needed to move out since they no longer owned the property. At that point homeowner complained to servicer. In XX/XX/XXXX, servicer acknowledged the unlawful foreclosure by instituting a court action to rescind the Trustee 's Deed Upon Sale. Homeowner was not served with the court documents. In about XX/XX/XXXX the court action concluded, resulting in a court order rescinding the foreclosure sale. In the interim, however, the property was no longer insured and sustained water damage for which homeowner has not received any compensation/repair to date. Moreover, servicer continues to pursue homeowner for all charges accrued during the period of time that it illegally sold the property out from under homeowner. A new Notice of Default and Election to Sell was just filed in about XX/XX/XXXX. As of today, there is no sale date. Homeowner has submitted an RMA package but was denied.
01/23/2018 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 33426
 Web
BAYVIEW LOAN SERVICING LLC THROUGH ITS CRIMINAL DEBT COLLECTION ATTORNEYS, XXXX XXXX STOLD REAL PROPERTY FROM ME, THROUGH AN ILLEGAL FORECLOSURE WITH OUT STANDING, PAYING OFF JUDGES TO BLOCK ME FROM .LITIGATING AND DEFENDING MY HOME. TO STEAL WEALTH THIS IS THE CURRENT SITUATION IN FLORIDA THE GOVERNMENT IS IN IT WITH THIS PREDATORY CORPORATIONS IN CONSPIRACY TO STEAL AND DEFRAUD PROPERTY FROM ITS CITIZENS, THEY VIOLATED MY FIFTH AMENDMENT AND FIRST, THEY ARE CURRENTLY TRYING TO SHOT ME UP AND LET THERE CRIMINAL ACTIONS GO UNTOLD AND UNPUNISHED. THE CFPB MUSY OPEN INVESTIGATION AGAINST THESE COMPANIES IMMEDIATELY. AS THEY HAVE NO RESPECT FOR THE LAW AND CITIZENS. AND ARE CRIMINAL THIEVES WHO STOLD PROPERTY AND EQUITY AND THEY HAVE NO TITLE AND ARE TRYING TO SHORTSALE THE HOME SO THEY CAN GET A HOLD OF THE CASH AND RUN LIKE THIEVES THEY ARE. THESE PEOPLE HAVE CAUSED GREAT HARMS TO ME WITH THE HELP OF THE CORRUPT FLORIDA CRIMINAL JUDICIAL SYSTEM. AS THEY ARE ALL AGAINST ME CAUSE I FIGHT BACK AND THEY DONT LIKE THAT, THIS CRIMINALS MUST BE INVESTIGATED AND HELP ACCOUNTABLE, AS THEY ARE THE CAUSE OF THE 2008 CRASH AND CONTINUE STEALING EQUITY AND MONEYS FROM CONSUMERS LEFT AND RIGHT FOR GREED WITH OUT BEEN JAILED.
08/16/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • 92027
 Web
Bayview Financial Loan Service held our mortgage from XX/XX/XXXX toXX/XX/XXXX. Starting in XX/XX/XXXX they illegally forced and charged me for a duplicate insurance policy. My insurance I had carried all along was still active and in place yet they doubled up on a policy and forced me to pay it. I spend over a year providing documents and following all procedures they insisted on in order to clear it up. Due to the monthly payment increase I was unable to keep up with the additional increase that was unjustly being charged. Many attempts were made to modify the loan, yet Bayview was non-responsive. By XX/XX/XXXX I was advised and pushed into a corner to stop payment completely and file for a short sale on the property. During the short sale of the property, Bayview was investigated several time by the federal government and disciplined for their inadequate and wrongful practices. This short sale was finalized and paid for in XXXX of XXXX. I was told this history would only reflect and show detriment to my credit for a couple of years. As I apply for loans, I am constantly haunted by this troubling past. I would like all the accounts associated with Bayview to be cleared off my credit. Thank you for your help.
02/06/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 078XX
 Web
The property went into foreclosure and I was contacted by this company directly with a guarantee to get a loan modification and adjusted terms on the mortgage. The office kept contacting to make an appointment to go to their office, finally a representative came to the property even though I had tried to cancel the appointment. I initially paid {$500.00} at the first meeting and signed a contract with the company trying to save my home. Throughout the process I was not happy with the service provided so I decided to then contact the lender and found out there was a sheriff sale scheduled. Information was only being accepting by the lender from the third party. I paid {$2000.00} to XXXX XXXX for XXXX aka XXXX XXXX XXXX XXXX. Throughout the process they were very confrontational and even more so when I asked for a refund. They only offered to provide 50 % of what I had paid back which I have declined because upon further research and working with a housing counselor I determined I should have never had to pay for this due to being mislead. When I asked for a full refund the owner of the company " XXXX XXXX '' contacted me and screamed that they did lots of work and I would not be getting my full money back.
05/11/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • XXXXX
 Web
XXXX XXXX XXXX XXXX & Bayview Loan Servicing LLC have jointly engaged in fraudulent and deceitful tactics designed to prolong, frustrate and extend the reasonable time allowed to furnish a mortgagor documents demand in a closing such as payoff letter, conditional lien and XXXX release upon full payment and cancelation of assignment of rents upon payment in full. The tactics have proven to be very profitable where month after month they collect on additional mortgage payments and interest that would not be otherwise due. In addition, they are claiming illegal and unlawful fees to record a mortgage discharge and for payoff letters which are totally abusive and illegitimate. I have asked for a copy of my mortgage which they provided for a fee because they claimed all the fees would be detailed but none of it was true, these two company whom pretend to be distinct actually share same office space and ownership and I believe are employing extremely fraudulent tactics. None of it is getting noticed by anyone on the enforcement side. it must be someone protecting them again, I demand a full investigation into these illegal and fraudulent conduct by such bid companies that affect the lives of so many consumers.
04/02/2017 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • NJ
  • 07060
 Web Servicemember
Bay Loan Servicing has been mishandling our loan modification since it was first initiated. After calls and e-mails on our part to the case manager, she either does not respond or just simply ignores us. The case manager weeks ago sent a XXXX packet which contained the legal documents to finally complete this process. We signed, dated and notarized there legal paper work. We also included our banking information in order for them to withdraw our monthly mortgage payments. We sent the return documents via XXXX and a week later we received a reply from Bay Loan via mail that they had in fact received our paper work and that our payments would be pulled from our bank account. Nothing else is needed from our end, since everything was properly completed. So fast forward to today and we receive a 3rd packet stating that they made a clerical error and that we now have to re sign all the documents again. How is this possible? When is this endless cycle going to end? We are requesting a call from corporate directly and need assistance with finally resolving this modification. We are law abiding citizens and jump through hoops to do the right thing and yet again we are told that the process must start once again.
04/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AR
  • XXXXX
 Web Older American
I have submitted several or more applications with Bay view Loan Serving LLC., a servicing loan co for my mortgage, and each time they have classified my application as incomplete, not on time, and missing. I have compiled with their request to complete the applications each time, and return to them within their time frame requested. I am still receiving replies from Bay view Loan serving that the applications are still incomplete. This has been repeated process from XX/XX/XXXX and continues to, ( XX/XX/XXXX). My mortgage balance is XXXX and I am paying a mortgage note of {$1100.00} monthly, with an interest rate of 8.3 %. I am retired, XXXX and a XXXX patented. I have borrowed from relatives in helping to complete the mortgage payment, but still behind a payment every month. I have submitted hardship letters in my behalf, to support my application for modification to Bay view Loan Servicing LLC ... Customer is assign to asset manager who state in their letters that they are available if and when needed, but the asset manager are never available. The caller is put on hold for hours and never gets to speak with the person whom he or she assigned or is asked to leave a message that is never answered.
07/17/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90638
 Web
I have been trying to modify my loan over the last few months but have not received a response from the servicer, Bayview Loan Servicing. I had a previous sale date in XXXX and was able to get it postponed but since I submitted my new file on XXXX XXXX , 2017 I have not heard a peep or received any mail addressing my modification package. During the week of XXXX XXXX through the XXXX , I was advised that my account representative was out of town until XXXX XXXX , so I have left 6 messages for her with absolutely no response. In the voicemails, I have been describing my situation and that I do n't want to lose my home in foreclosure. When I call the general numbers that I have for Bayview, I go in circles through their automated system and it just leads me back to the representatives answering machine. I have been going though this for the last week or so. I have an active sale date for XXXX / XXXX /17 and need some answers from Bayview. Last month something similar happened and I was told that my house was going to be sold and I felt that I was getting blamed for Bayview not working on my file. I am simply just asking for a response from the servicer. I do n't know what else to do.
01/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28226
 Web
in XX/XX/XXXX I filed for a modification to get help because I was behind on my mortgage I had already filed a chapterXXXX prior to that every week I called in to check the status of my modification and every time I called they asked for some more information witch I gave immediately then in XXXX of XXXX my chapter XXXX payments were raised to were I could not afford them and was informed that if I did not make my XXXX payment that my chapter XXXX will be dismissed 1 week after the chaper XXXX was dismissed I was told that the modification was denied for every option that was available witch I could not understand and asked for clarity on the situation for a appeal but received very minimal information so I submitted what I could to at least inform them that I wanted to appeal there decision but haven't heard anything from bayview loan servicing yet but I do know that they have put a sale date on my home for XX/XX/XXXX I'm just looking for help and it seems that they are only concerned with taking my home i have beenin and out of the court system since XXXX with this same situation and been getting every door closed on me with no help even though i have documents that says that i have been wronged
11/08/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • VT
  • 053XX
 Web
This is to inform you we have just got confirmation about two weeks ago from XXXX bank that there were some incorrect billing errors on the account that then transferred to you. While we are still exploring how to work this out best, I do now understand why there was a delay in continue the forbearance with you, and you reporting that appropriately. I will add, my only grievance, at this time with the information we have, is that it is disappointing to see you failed to report I qualified for mortgage assistance relief in XXXX, did not communicate with the payment portal, which caused for a delay once you transferred it again ... and you failed to report that I was approved for the payment to the new servicer. They can see in the notes they have from you the application was pending, but you also did not report to them the loan was in forbearance... again, just causing delays from non relayed information, that seems to be from carelessness rather than direct intent. If you have suggestions on how you would like to see the incorrect mortgage amount transferred to you, please let me know, otherwise I will be in touch once I get more information from HUD and a lawyer on how to proceed. Thank you.
12/22/2018 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 92113
 Web
I have made several attempts to get your help with this fraudulent loan made by XXXX XXXX, loan number XXXX. In my last complaints your office keep closing my cases and your summary of my complaint issue on prior complaints are incorrect. I would like to submit another complaint and have my prior complaint amended with this submission. XXXX. I've submitted the Uniform Affidavit and I've had no further response. I also would like a Confirmed Sll disclaimer and need explanation of how it could be resource that could help me resolve this injustice of 10 years we have endured. I am in receipt of a letter from XXXX XXXX XXXX, Senator office, stating that XXXX XXXX in her XXXX XXXX office has been asked to assist me. I would like our home released from this fraudulent loan and the loan given to it's rightful owner. XXXX XXXX. We did not take part in this loan nor did we receive anything from it. It was done illegally and without us having any knowledge of it. XXXX XXXX did spend 4 years in prison, of a 8 year sentence. When I receive correspondence from your office it has his name as the complainter which in fact it is I XXXX XXXX. It may be because the loan is in his name, please respond to me,
12/04/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92675
 Web
Community Loan Servicing ( previously Bayview Loan Servicing ) does not have any idea what is going on with my mortgage. They will not accept payments. They will not give me access to COVID relief mandated by law. They will not return calls or emails.The amount of XXXX Community Loan Servicing, XXXX XXXX and his cohorts have bestowed upon me and my family is inhuman and unlawful. Loan modifications, deferrals and repayment plans are all clearly mandated by law and just as clearly ignored by XXXX and the company he manages. Their one goal is to profit on the weak and those that do not have the knowledge or abilities to stand up for themselves. I had to demand to talk to a supervisor for over an hour while I listened to the " ASSet managers '' try to convince me to short sell my home. I have the money to pay my mortgage but XXXX and Community Loan Servicing will not accept it. This is the second time I have had to involve a third ( oversight and regulatory ) party just to keep XXXX and Community from taking my home and putting my son and I on the street. I don't have words for the amount of shame I feel for even being the same race as XXXX XXXX and the employees of Community Loan Servicing.
01/29/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 324XX
 Web Servicemember
My home has been in foreclosure since XX/XX/XXXX. I prevailed in the initial foreclosure case but after several years the XXXX XXXX XXXX XXXX XXXX foreclosed again and the sale date occurred on XX/XX/XXXX. I requested the Loan Servicer, Bay View Loan Servicing modify my mortgage to a monthly payment amount I could afford. I obtained an Attorney that specialized in Loss Mitigation and submitted all required documents and financials to my Attorney but during the loss mitigation review process the sale date occurred. The sale date should not have occurred while we were in midstream of Loss Mitigation. My Attorney maintains there is a recent regulation prohibiting a foreclosure sale while Loss Mitigation is in progress. My Attorney filed a Motion to Vacate the foreclosure sale ; however, the Circuit Judge denied our objection to the sale. My wife and XXXX year old son live in our home and our home is a place of business for both my wife and I as we are a XXXX XXXX. Foreclosure of our home will be devastating to our lives and our XXXX XXXX and ongoing renovation projects. Please help me work out a solution with the Loan Servicer, Bayview and the XXXX XXXX XXXX XXXX XXXX. Thank You
04/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32751
 Web Older American
My Mortgage loan was transferred to a Servicing Company on XX/XX/XXXX The Mortgage Company was XXXX XXXX XXXX. In XX/XX/XXXX I was laid off my job and got behind in my payments. I contacted XXXX XXXX for assistance and they a modification which was raising my interest rate to 8 % and placing {$37000.00} in a deferred status to lower my payment for a short period of time. They told me once I regained employment my loan could be adjusted back to the interest rate and also that the deferred interest may even be written off because of the dropping value of homes in my neighborhood. I agreed, and once I gained employment went back to have another modification. Bayview Loan Servicing told me they could not help me because they were the Servicing Company and they did not do modifications or refinance since I was not delinquent. I contacted XXXX XXXX and they would not help. The Loan has now been sold to XXXX XXXX XXXX XXXX XXXX XXXX. I have called to speak to someone there for the last three months, and have not been able to speak to anyone. Four years plus of paying all this interest plus having {$37000.00} just sitting is very frustrating. I am at retirement age with a upside down loan.
06/07/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • OH
  • 44685
 Web
We fell behind on our mortgage a while back, the company we originally signed with, XXXX XXXX Loans, sold to Bayview Loan Servicing and we did not get informed of this as it was happening but rather thru the bill. Life happened around us, our oldest daughter had a XXXX that resulted with XXXX her mom. This daughter kept us occupied along with my own struggle of XXXX and my husband working XXXX jobs to try making ends meet. We did n't and fell further behind. We were approved with a XXXX program, but the 3rd month a submitted payment a couple days too late. We reapplied, over and over and over. Each time we were given hope it would be approved due to our medical hardship. This has dragged on For nearly 5 years. They delay with several letters at once, each contradicting themselves, even a lawyer looked over our papers and said as much. She of course told us we have a lawsuit against them. We just want to make our mortgage right and keep our home. Of course with " bad credit '' we ca n't get a loan to pay our past due balance and the mortgage company has put us off for so long we are in a foreclosure process. Again, we desperately want to keep our home and looking for answers to do so.
06/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 328XX
 Web
I received a mortgage statement dated XX/XX/20 requiring a reinstatement fee of {$45000.00} within 10 business day can you supply a breakdown of the 1. - {$7100.00} in escrow please send the breakdown of how you arrived at this figure 2. XXXX in late fees please send the breakdown of how you arrived at this figure 3. {$8300.00} XXXX in XXXX XXXX XXXX XXXX please send the breakdown of how you arrived at this figure 4. {$5400.00} unapplied funds please send the breakdown of how you arrived at this figure 6. {$890.00} attorney fees please send the breakdown of how you arrived at this figure 7. {$800.00} attorney fees please send the breakdown of how you arrived at this figure 8. {$11.00} property inspection please send the breakdown of how you arrived at this figure In addition i am requesting inclusion in the Emergency Forbearance Plan and my rights covered under the Cares Act and any other plan offered to delay defer fees and payments for 12 months 9. Has any agency including but not limited to Goverment, State , County directed you Bayview or XXXX to proceed with Forbearance or delayment of payments and fees without requiring mortgagees to file documents to get this consideration?
03/28/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • IL
  • 60076
 Web
I am in desperate need of assistance. I have work with my lander Bayview for almost a year and have submitted all the required documents to continue my modification review. However ; at this point they have not afford me a modification. I am more than sure that their intentions are to foreclose my home, My husband is going trough XXXX and this is affecting hes health. I am doing everything from my side to keep a roof over our heads. As I have mention Bayview my intentions were not to fall behind, however ; due to the extreme loss of income it was out of my control. My intentions are to keep my house with an affordable mortgage payment. I did tell my specialist XXXX if I will not get a respond soon I will filling a complaint with my attorney General. Bayview keeps stating I am not able to afford my house. Therefore I have order a new appraisal to be done for my property and is actually under water. Therefore my loan does qualify for an affordable mortgage payment. I do have a surplus and have cut lots of unnecessary expenses. Please question Bayview what are there intentions, mine are to be current once again and start paying my mortgage. Thank you in advance for your consideration.
01/04/2017 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • No notice of investigation status/result
  • FL
  • 33543
 Web
My wife and I applied for a refinance in early XX/XX/XXXX of our Florida property and we were consequently denied because Bayview Loan Servicing LLC is now claiming that our loan modification was more than 180 days delinquent. This was not on the credit reports when we got the original mortgage loan in XX/XX/XXXX. Our account with Bayview ( XXXX ) has been paid as agreed since the contract started in XX/XX/XXXX. We have diligently been working with Bayview since XX/XX/XXXX and provided them with the necessary documentation to resolve this issue. We have supporting documents including a payment history from Bayview Loan Servicing showing pay as agreed and that our loan is current. We even filed a dispute with XXXX to have this remove from the credit report. XXXX is in agreement that the loan was paid as agreed. We had made several attempts at communications with Bayview 's customer service department only to get the same response that we need to send over the credit report to us to review and we will get back to you. This is has been happening for the past 2 months with no resolve in sight. Can some one please help us to resolve this as it is ruining out credit standing. Thank you!
05/22/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 08005
 Web
Bay view loans is reporting incorrect information. They are stating that I am over 120 days late on my mortgage payments. Originaly, the mortgage was first opened with XXXX. Everything was fine until the mortgage was sold to XXXX. Neither XXXX nor XXXX sent any kind of documents stating who the mortgage was with and where payments were being sent to. As of the beginning of XXXX, 2016, XXXX transferred the mortgage to bay view loans without anyone knowing. Bay view loans was n't even heard of until about XXXX 2016. XXXX XXXX has made no comment on selling the mortgage to bayview loans. Bay view loans still insist the house is in forclosure EVEN THOUGH XXXX DOCUMENTS HAVE BEEN SENT TO MY ADDRESS!!!!!!!!!!!!!!!!!!!! XXXX seems to not know much of anything and bayview loans will only send automated gibberish to consumer finance. I am alos trying to work with a lawyer on fixing the issue, but XXXX bank is refusing to cooperate with the situation. I am looking into if I can sue XXXX and bay view loans for not providing a single document and not notifying anyone about any changes. XXXX bank was been contacted about getting proofs of payment, but still refuse to work with myself or XXXX
01/29/2016 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • NY
  • 120XX
 Web
I am currently in foreclosure with XXXX. I have been dealing with XXXX XXXX at bayview loan servicing and have provided all requested documents to her to try to save my home from being foreclosed however my income has shown to not be enough to support the modification after tiffani informed me it was two weeks ago. Now on XXXX XXXX she informed me that she misspoke and that my income had not been approved as she stated two weeks early. My daughter has been kind enough to pay me for watching my grand daughter to get a bit of income coming into the house. I explained this to tiffani and she is requesting tax documents, paystubs and credit reports from my daughter. She is delaying my modification for these documents that my daughter does not feel comfortable providing when I have offered to provide cancelled checks and a letter from my daughter stating the agreement. I do not see how she can legally request this information and delay my claim for it. This is not my daughters debt and I am not looking to add my daughter on to the account. Please assist me with this business as I do not want to lose my home over documents that my daughter and I feel they have no legal right to ask for.
10/05/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22193
 Web
Regulatory Case : XXXX Propose Resolution date XX/XX/17 I have called XXXX XXXX XXXX and spoke to XXXX XXXX who requested I sent documents. I sent the documents and he said, I have a new point of contact, XXXX XXXX XXXX who refused to speak or give me status on modification. He said the sale is moving forward and nothing can stop it. He hang up the phone when I insisted I want to speak with supervisor. He said no once else will tell me anything more than selling the home so, I should not try. I insisted, but hang up the phone. I need Bayview to stop the foreclosure and continue with loan modification with documents I sent to them. It is not acceptable to foreclose while modification is not completed. I am not even given a chance to know how much money I owe. XXXX XXXX said nothing can stop the sale. CFPB, please escalate this case, and accept nothing from stopping the sale to continue with modification. Bayview is lying that they are working on the case. Their work out is to sell the house as confirmed by XXXX. The resolution date of XX/XX/17 is passed the sale date. They would return a resolution that the home is sold. I do not want this, I want a modification to continue.
01/18/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OR
  • XXXXX
 Web
This is a continuation of complaint # XXXX. The response from the prior servicer states that I was sent the modification documents but I never got them, which is why I kept calling asking for them to be sent. Each call I made, when I would make my payment, would typically end with me asking for the modification documents be sent to me. I am still waiting despite what the servicer says. I never signed for any documents, I never got any documents. I have only wanted to have this modification completed and with every payment have tried to get that to happen. I continue to do so. What this appears like to me is that the consumer ( me ) is being screwed here due to the terms of my modification. It makes zero sense that I would continue to call in asking for documents if I already had them. Additionally, at no time was I ever told " Oh, we sent those already ''. I just kept asking for them each month. I am begging that this modification be completed under the terms and conditions agreed to previously. I only want to keep my house so I have a place to live. I am currently in the process of moving back in as it is my only place to live. I beg the CFPB to help me get this resolved.
06/26/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • CA
  • 90019
 Web
My name XXXX XXXX XXXX, I submitted my application for a short sale with Bayview Loan Servicing, loan number : XXXX back on XX/XX/XXXX. The this whole process has been a nightmare and a real pain of a process. When I contacted Bayview I was advised to submit certain documentation to the lender to be reviewed. I did and was confirmed that they were received and was going to review the documents. My file was then transferred to an asset manager XXXX XXXX who I have never spoken to and never returns my calls. Her contact number is XXXX ; I was then advised that my file was transferred from the short sale department to the bankruptcy department. WHAT!!!! why? When the last time I filed BK was on XX/XX/XXXX file number BK XXXX. And keep getting advised that I have to speak to XXXX ... I do n't understand how a big company like Bayview has only XXXX person assign to my file that can update me or help me with my review or process. It is just ludicrous an unprofessional. The customer service is awful ... Go figure that the lender did n't help me when I tried to do a loan modification and advised me that I only qualify for a short sale that they are even making it hard to even do that.
07/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 71913
 Web Older American
I have had my mortgage with Bayview Loan Servicing , LLC, for approximately six years with good credit history, however this company was not of my own chosen, this company brought my mortgage from XXXX mortgage and with them my payment went up very high, and also doing this time i developed and continue to have health issues with XXXX for one, high bills, and paying back taxes that put me in a hardship with my finances. The first four of the six years Bayview Loan Servicing , LLC, didn't report my credit history to any of the credit bureaus with very good credit., and lately after several years they have been reporting my credit history., also during these same times I have applied for a modification loan five or more time, and have been denied five or more time, however the last modification application was fill out with the assistance from a state counselor to make sure the application was in proper order, and i still was denied the modification loan.from Bayview Loan Servicing , LLC. I am asking please, that Bayview Loan Servicing , LLC please have this inquiry, and credit history removed from my credit file because it is making it very difficult for me to acquire credit.
05/04/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 60123
 Web
I was told that our house is in the process of Modification since we informed our Servicing Loan company that we would like to keep the house. Their latest communication to us was on XXXX XXXX, 2015 where they requested to submit list of documents and, as our response, we submitted the required documents last XXXX XXXX, 2015. The deadline for the submission is on XXXX XXXX, 2015. However, in the mail, we received a Notice of Sheriff 's Sale of Real Estate last XXXX XXXX, 2015 from XXXX and XXXX with a Sale date of XXXX XXXX, 2015. We got confused because the XXXX XXXX, 2015 communication we received, was a congratulatory letter that our Application for Modification is in the beginning of the workout process. We thought for a while that the XXXX Sale letter is just a miscommunication between their legal and mitigation departments. But just to in the safe side, we decided to submit this concern to your office because we do not want our house to be sold and our application for modification is still very active. What we would like to achieve at this moment is, that we would be given the opportunity to prove our capability to pay by subjecting us under the Trial Period Plan.
08/29/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23237
 Web Servicemember
I refinanced my original mortgage with XXXX in XXXX at a high interest rate. This mortgage was modified to reduce interest in XXXX. That company sold to Bayview loan servicing the end of XXXX. The new company tool over the beginning of XXXX. This company has received payments above the amount due for my payment every month. They have been placing the additional funds in as unapplied funds even after reminding them this is to be applied to principle. They have also added a late fee to my bill even though I pay early and extra. They stated that this is not a late fee but a company fee that occurred during the transition period. Upon review of all documents they have sent there has been no resolution to this issue. I removed the twice a month auto drafts and chose to pay online the full amount I have been paying with the specific allocation for additional funds to be applied to principle. I received my statement last week and it still has a late fee listed and unapplied funds from my last payment. The statement also states that no payment is due until XXXX. It is my belief that this is also how the previous company was handling my payments upon further review of statements.
04/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60611
 Web Older American
In XX/XX/XXXX my wife and I applied to Bayview Loan Servicing for a mortgage modification based on hardship. The modification was denied. In XX/XX/XXXX we ask that the modification be reconsidered.. In addition to the reconsideration I asked for a breakdown of the amount past due because my records did not agree with the past due amount indicated by Bayview.. To date we have received no response from Bayview regarding our request Also Bayview has increased my monthly mortgage payment without explaining the increase. Our monthly mortgage payment has gone up approximately {$200.00} a month from the original mortgage agreement. XXXX XXXX was the original servicer of our mortgage and I was working with them on the correct past due amount and an increase in the monthly mortgage payment until Bayview took over the servicing of our mortgage in XX/XX/XXXX. After Bayview took over the servicing XXXX would not provide any further information concerning our mortgage. In summary I am asking for the following. 1. A detail breakdown of the amount past due 2. An explanation and detail breakdown on the monthly mortgage increases 3. A reconsideration of our loan modification request
01/13/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 078XX
 Web
In XXXX XXXX Bank filed a foreclosure notice to take my house as I went into default due to unemployment. After a number of attempts to short sell it & a job relocation, I had no choice but to file for bankruptcy in XX/XX/XXXX. In XX/XX/XXXX I was notified that Bayview Financial had bought the loan. Bayview has been sending me debt collection notices almost daily ( see attached ) and has called numerous times to " collect a debt. '' I have called them twice ( XX/XX/XXXX & XX/XX/XXXX ) to explain to them that the debt was discharged with my bankruptcy 2 years ago. The first time, XXXX informed me that I was still responsible for the debt despite the bankruptcy. The second time a friendlier woman told me that they had no record of my bankruptcy. This is beyond my comprehension as they clearly have information on every other aspect of my life. In the meantime, while I thought foreclosure was imminent & I would finally be able to rebuild my financial health, four years after the initial foreclosure filing the process now begins all over again. I have n't set foot in the house since XXXX. I 'm XXXX & apparently I will have this toxic asset on my credit report until I die.
07/04/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MA
  • 027XX
 Web
To whom it may concern, I have been having financial problems with keeping up with my bills. I have asked my mortgage provider for help. It 's very confusing with their response. One they said I ca n't get help because I made more then my bills. Then I reapplied. They said I should of not been behind on my mortgage and they ca n't help because I should of not falling behind and if your not behind on your mortgage we ca n't help you. But, yet they state on their web site to call as soon as your not able to make your payment, and you do n't have to be behind. Allot of things these days you have to pay up front. So when I catch up to XXXX bills I 'm already falling behind on another. My hardship is going through divorce and loss of XXXX income. But they still say I do n't have a hardship. They have allowed me to make a repayment program, which I 'm very thankful because I really want to make everything possible to keep this home. So now my income is {$4900.00}. I have bills of {$5200.00}. And now they also have jumped my monthly bill for mortgage from {$1200.00} to {$1700.00} which my bills would be around {$5600.00} ( with new calculation ) and they still refuse to help.
06/11/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • AZ
  • 85746
 Web
On XXXX XXXX, 2015 I reached out to my Congressman. I am currently XXXX, unable to work, and has a XXXX year old daughter. I am under tremendous stress, and receiving XXXX for my illnesses. As a result he was unable to keep up with my mortgage, and my home entered into foreclosure. I needed assistance to postpone a trustee sale on my family 's home. I have been working with a HUD housing counselor, gathering the necessary documents he needed to apply for XXXX ( XXXX ), XXXX program. The request was made to Bayview Loan Servicing for an extension, in order to give me enough time to submit the required documents, submit my application, and receive a tentative approval from XXXX. On XXXX XXXX, 2015 after sending a request to Bayview Loan Servicing to give XXXX XXXX more time, the Congressman 's office received a response concerning the case. The response stated a new sale date of XXXX XXXX, 2015. However on XXXX XXXX, 2015 I was notified his home was sold on XXXX XXXX, 2015. That same day my Congressman 's office spoke to XXXX XXXX of Bayview Servicing and confirmed that the home sold. A supervisor had agreed to contact their office that day but that has yet to happen.
04/09/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • XXXXX
 Web Older American
I previously submitted a complaint to you about Bayview loan servicing. I asked them to provide a copy of the mortgage note, and all documentation pertaining to my mortgage. They were suppose to comply by XX/XX/XXXX. The complied with no documentation. They sent me a letter stating that my mortgage has been sold again. They further stated that they will continue to service my loan I am suppose to send them my payments. They sent me a barely legible promissory note without my name on it. Only the name of my deceased husband. He has been deceased since XXXX. XXXX did an assignment from my deceased spouse and the previous lender on XX/XX/XXXX. They further did an assignment from XXXX to Bayview Loan servicing on XX/XX/XXXX. Bayview states that the loan was sold on XX/XX/XXXX and the documentation was filed in my local court jurisdiction. I have looked and it was not. I have no idea who actually owns the mortgage it even if I owe money at all. The promissory note that they produced is totally different from the original one that I have. I have not let them in on that fact as of yet. Please feel free to contact my daughter XXXX about anything pertaining to this matter.
09/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
in a letter dated XX/XX/2020 you state details of your Forbearance Plan yet it fails to in " bold lettering '' identify the commencement date of this document, i have written two letters to your COO in reference to the inadequate information Bayview is sending to the mortgages it is servicing and the COO has refused to respond in violation of the law. Please make your Senior staff including but not limited to Bayviews president, " new '' COO and CFO send a proper letter that complies with the law with the correct required detailed information, if this inadequate format is being used please resend the proper formatting to all the customers you are servicing. As of XX/XX/2020, approximately 20,000 residential borrowers were on an active forbearance plan out of the 152,353 residential mortgage you are servicing why are only 13 % of the borrowers allowed forbearance? Are you Bayview proceeding with foreclosures? Are you continuing to post fee to borrowers during this time? Since XXXX is no longer with you i advise you verify the aforementioned information notify management and take it as notice that you Bayview are not complying with the current forbearance laws.
06/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33055
 Web Servicemember
In XXXX of XXXX I was awarded a property though probate in XXXX county Fl. I contacted bayview loan servicing and sent them the documents by email and fax. Three weeks later I called to try and get the property refinanced and was told they could not speak to me regarding this property because I was not on the loan. I explained to them that I sent in the document sign by the judge. At that time they said they would review the documents. This went on for over a year. I sent the same documents over 5 times to them with the same response could not talk to me. In XXXX of XXXX I got a letter and call from bayview saying I was verified and they could speak to me now and I could make changes to the account. Between XXXX of XXXX and XXXX of XXXX the home has went to foreclosure and has assumed over 30,000 in fees and interest that I should not have had to pay. What Im asking is according to law I have read they were supposed to work with me and I was to be able to assume the mortgage in XXXX of XXXX after the probate was awarded to me. Since they did not I dont think I should be responsible for all the interest and fees and foreclosure costs that the property has now.
09/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MD
  • 20904
 Web
There are XXXX issues here. XXXX. I am trying to closeout my mortgage ( Bayview ). I have XXXX more payment left to pay. The mortgage company just sent me an escrow statement saying what my new payment will be in XX/XX/XXXX. My last payment should be next month. I have my house on the market to be sold. I need clarification. I tried numerous times to call but I never could get through to address this issue. XXXX. About XXXX years ago XXXX XXXX changed my address of the property. The mortgage company still has the old address ( XXXX XXXX XXXX XXXX noted on my mortgage documents. I received the formal documents of the change address XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and sent those formal documents to the mortgage company ( Bayview ). They have yet to change the address to the new address XXXX XXXX XXXX XXXX XXXX in my mortgage documents. I need them to make that change to receive the correct Deed of the property. I sent the formal document electronically to the mortgage ( Bayview ) company weeks ago. Before I submitted the document, I called a told XXXX of their representatives what the issue was. Nothing has been done to correct this issue.
05/05/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 93711
 Web
Community Loan Servicing , LLC services a commercial loan that I have. I recently discovered a problem with the impound account and property taxes and brought it to their attention on XX/XX/XXXX. I emailed a XXXX XXXX XXXX XXXX that I had previous contact with. He responded quickly and let me know he does not service my account anymore and XXXX XXXX is my new asset XXXX. XXXX was on vacation but upon his return we were able to navigate through most of the issues, mostly with XXXX 's help. We were about to wrap it all up and I had XXXX questions for XXXX. I asked XXXX those questions via email on XX/XX/XXXX. He responded with generic answers for specific questions I had. I replied to his email and asked him again for the answers. That was the last time I have heard from XXXX XXXX. Since I heard nothing I followed up with XXXX XXXX. I did not hear from XXXX so on XXXX I went on Community Loan Servicing , LLC website and sent an email to their general customer service email asking them for help and giving them 24 hours before I filed a complaint with CFPB. Almost 72 hours later, here we are, as I have not received answers to my XXXX questions.
10/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30127
 Web Older American
XX/XX/2019 checking credit report beside always having problems with bayview loan they say i have been late 18times not true i use to mail payment getting their b4 the XXXX i have proof-then a few yrs ago i started paying thru computer i have proof since XXXX this year i have had lotst of major problems from car-house, work, sick animals, had to buy denture upper broken half-then few weeks later bottom broke cost me to use credit card still paying, loan going up XXXX this 2019 from XXXX to XXXX plus 2nd moratage XXXX that is over XXXX month i only bring home about XXXX or less i spent over 2weeks filling out forms for a modification i know i can not make payments letter return i did not understand saying credit score only XXXX which is wrong is XXXX i called they told me my score was to high if no help i may have to go bankrupt witch i do not want to do i work so hard to get the score up i never seen any one have so much back luck as i have had from XXXX to XX/XX/2019 i just need help i still need the rest of my roof to be done now 2yrs only able to get one side due to a big leak insurance no help, the 1st part XXXX the other half if done will be XXXX.
03/11/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • AL
  • 367XX
 Web
We had a second mortgage loan through XXXX where we had automated monthly payments of {$270.00} deducted from our bank account. Our loan was sold to Bayview Loan Servicing without our knowledge. We noticed that our payments had stopped being deducted from our account, and we contacted XXXX. XXXX then told us that our loan had been sold, but we were not given any details. We found out that Bayview now had our loan because we saw it listed on our credit reports. We have been in contact with Bayview regularly via phone over the last 2 years, and our account has been passed around to several different people within the company with no resolution. We were told that Bayview did not usually handle loans like ours, and they were going to try to sell it. Meanwhile, they would not accept payments on the loan, yet they have been reporting to the credit agencies that we have missed 23 monthly payments in the last 2 years. We have no contract, no letters, no statements, and no email correspondence. We have tried to dispute this through the credit report a couple of times, but nothing has been resolved or corrected. Bayview reports that all information is accurate.
03/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 900XX
 Web
I refinanced my mortgage that was with Community Loan Servicing and paid off the loan on or about XX/XX/2022. I got a letter saying that my excess mortgage payment would be refunded within XXXX business days ( XX/XX/2022 ). I called them on XX/XX/2022 to notify them that I had not received the check. At that time I was told that the check was for {$7000.00}. I was sent to the Customer Advocacy department. I spoke to someone who said she would get back to me within XXXX - XXXX hours. She did not and has not called back. Nor have I received anything from Community Loan Servicing except a letter showing the amount of the refund that I should have received. When I call the Customer Advocacy department the computer says that my issue has been resolved and does not allow me to speak to anyone. It has not been resolved. I have not received my refund and no one has been in contact with me. When I called back to the general number they are telling me to call back, in spite of the fact that the computer does not allow me to connect with an actual person. I demanded to speak to a manager. I was put on hold an hour ago and no one has come back to the call.
08/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92064
 Web
URGENT!!!!! SALE DATE TOMORROW FRIDAY XX/XX/2019 I am a crime victim. My home was stolen through a title crime by two time felon XXXX XXXX XXXX through a forged Deed transfer which took title out of my name. XXXX was arrested on XX/XX/2019 in XXXX County for Mortgage Fraud and is currently in jail awaiting sentencing because he could not meet his bail of $ XXXX. I was in the middle of a loan modification and error process when my servicer Bayview Loan Servicing , LLC abruptly stopped it and dual tracked me to a foreclosure sale, for lack of holding legal title, knowing it was a criminal that stole my title. They are well aware of this title crime yet continue to conceal it in order to pass it off as a marketable title foreclosure sale. It DOES NOT have marketable title as it is tainted by forgery. This is a federal crime. Under legal statutes they are required by XXXX to report this in a Suspicious Activity Report ; Not use it to their advantage. My title shows XXXX XXXX, alter ego XXXX, as owner. They are not only aiding and abetting but they are selling a property that has been used in a crime to an unsuspecting buyer at a foreclosure sale.
07/24/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 93619
 Web Servicemember
Do to my family being financially/ medically negatively impacted do to Covid-19 We requested a forbearance on XX/XX/XXXX. We were told are forbearance would end XX/XX/XXXX. We have called and ask if we can extend our forbearance out since our loan is XXXX XXXX. We are told XXXX XXXX never noticed our Mortgage company that we are eligible for an additional two 90 day extensions totaling 18 month forbearance. Our mortgage company is telling us that's not true and is not extending our forbearance. We have emailed our point of contact and no one has returned our emails. We have called and we have been told to call back XX/XX/XXXX. We are afraid to wait to have our forbearance extended to close to the end date. We requested our current behind payments be deferred when our forbearance ihas ended regardless when it ends. We were told a deferment was not an option on our account. We needed to pay whats past do in full, apply for a repayment program were our only options! We are asking for our account to be evaluated for any additional qualified forbearance terms and asking that our behind payments be deferred. Thank you XXXX XXXX and XXXX XXXX
07/01/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 33432
 Web
I have been in communication with Community Loan servicing trying to get the servicing department to correct the escrow amounts. I have documented the discrepancies and they continue to overlook and make correct justifications. They have increased my monthly payment by increasing the escrow amounts due to the point where it may create a hardship. I have shared with them the documentation of many of the incorrect amounts with no avail. They sent an escrow refund check of $ XXXX see documentation for the insurance and real estate taxes, which has caused the escrow to be off balance as well as pay the professional liability insurance of {$2000.00} and the property insurance, $ XXXX a total of $ XXXX-see page XXXX of the analysis dated XX/XX/21 as well as page XXXXthe letter generated by XXXX XXXX . On XXXX, I received communication stating my loan has been transferred- see page XXXX. The lender placed insurance amount is also overstated. The annual premium they told me is XXXX. They have it listed monthly on the analysis dated XXXX, see page XXXX. All I asked was to correct the escrows. Now I have statements saying I am late- see pages 2 and 6.
04/18/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • OR
  • 97058
 Web Older American, Servicemember
The company XXXX XXXX sold my mortgage to several debt collector without notifying me about my mortgage. I got phone calls fr om Bay View saying that I was behind on payments. I did n't know who Bay View was and I could n't understand what their representative was saying as she would talk to fast. They wanted to know when I could get caught up on back payments. I went into XXXX XXXX to find out what was going on. XXXX XXXX told me that they were not going to do mortgages any more. Bay View sent letters wanting to know when I could make payments, they would call late at night ( XXXX ) .There were times that I could not understand what their operator would says, at times she would say baby view, demanding that I pay up at once. I 've tried to te ll Bay View th at I could n't make the {$540.00} dollar payment as I have other bills to pay. Bay View wo uld send letters almost on a weekly bases sometimes I would get XXXX letters the same day. Phone calls would be rude and very demanding to the point where they said that they would start foreclosure on the house. When they said this I immediately went down to talk to a Lawyer.
06/06/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43221
 Web
Our mortgage was opened in XX/XX/XXXX with XXXX XXXX . The mortgage was on a property that contained XXXX parcels. An escrow account was set up for the taxes and insurance. The payments on the mortgage were paid on time until XX/XX/XXXX , and then brought up to date in XX/XX/XXXX . At this time, we discovered there were past due taxes on the property. CHASE was paying taxes on only XXXX of the XXXX parcels, which has now created delinquent tax bills including interest and penalties. Additionally XXXX sold this mortgage to Bayview Loan Servicing . We have been trying to sell the property and payoff the account, however do not feel we are responsible for XXXX 's error and lack of payment of taxes. This error is causing a delay in the selling of the property. We have reached out t o Bayview Loan Servicing 4 times in the past several weeks and have not received any assistance in settling this issue. We have forwarded documentation including tax bills, and other pertinent documents. At one point, a representative from Bayview even acknowl edged there was an error, however that XXXX was ultimately responsible for the error.
06/16/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MD
  • 21042
 Web
I wish to refer to a loan with that is been serviced by Community Loan servicing. Their loan # is XXXX. Property address : XXXX XXXX XXXX, XXXX, MD. XXXX. The property was sold on XX/XX/2022 at a foreclosure action with settlement within 60days. I believe that the property have now settled for more than what was outstanding on it. All attempt to get Community loan servicing to be transparent with the transaction and provide details of the transaction has so far failed. We know that there are credit accrued to us even after deduction all their frivolous charges. But Community Loan servicing refused to provide detail and will not give us the balance due to us. The further mucky the water on this transaction, it appears the loan may have been transfer to another servicing company between the time it was sold at auction and before it is finally settled. No further information is provided to us. Kindly prevail on Community Loan Servicing and the new servicing company to be transparent and remit the balance due to us without further delay. We want to thank you for your time and cooperation on this matter. Sincerely, XXXX & XXXX XXXX
11/03/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95376
 Web
Community Loan Servicing ( FKA as Bayview Loan Servicing ) stopped allowing me to make payments in XXXX. I am the owner of the home but not the original mortgage holder. Something happened between the previous owner ( the mortgagee ) and the servicer/lender - and from that point my rights to make payments and discuss the loan and all assumption process; was stopped without explanation. Nearly two years later, on XX/XX/XXXX Community loan servicing filed a notice of default with NO notice to me what so ever. There was no notices of intent to accelerate, no notice of foreclosure prevention options or anything- the first thing I saw in over 20 months was a notice of default. Also the amount demanded seems very wrong. This is my primary residence, I am the sole legal owner ( since XX/XX/XXXX ) and I do intend to keep my home. I need help stopping the foreclosure process and I want to make payments but I still have not been allowed to do so. Please help so I do not lose my family home. The bank did NOT follow homeowner bill of rights and did not factor in COVID or any foreclosure prevention solutions and not any notices at all. PLS HELP!!
09/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 109XX
 Web
THIS WAS A 2ND MORTGAGE WHICH I HAD FORECLOSED ON XX/XX/XXXX MY LOAN WAS WITH XXXX WHICH THE LOAN WAS SETTLED WITH THEM AND XXXX XXXX SOMEWHERE ALONG THE LINE XXXX SOLD THE LOAN TO BAYVIEW LOAN SERVICING LLC WHICH IS REPORTING A REVOLVING 30/60 AND 90 DAY LATE PAYMENTS.. THEY ARE TELLING ME I NEED TO CONTACT A LAWYER OR THEY ARE GOING TO FORECLOSE ON THE PROPERTY. I HAVE SENT LETTERS CALLED, EMAILED AND HIRED A CREDIT RESOLUTION COMPANY TO TRY AND GET THIS RESOLVED. THEY KEEP SENDING ME LETTERS WHICH SAY I AM NOT PERSONALLY RESPONSIBLE BUT SAY I HAVE MADE PAYMENTS SO THEY CAN NOT REMOVE THE REPORTING STATUS. I HAVE AT NO TIME MADE ANY PAYMENT TO BAYVIEW LOAN SERVICING LLC. I DO NOT KNOW WHERE THEY ARE GETTING THIS INFORMATION FROM. I AM TRYING TO GET MY LIFE BACK TOGETHER AND PURCHASE A HOME BECAUSE CITIFINACIAL AND XXXX XXXX HAVE BEEN REMOVED FROM MY CREDIT REPORT AND I WORKED HARD TO GET MY SCORE BACK UP TO A XXXX AND THIS BAYVIEW LOAN REPORTING IS STOPPING ME FROM GETTING A LOAN NOW WITH THE LIMITED STAFF I CAN NOT EVEN GET THROUGH TO THEM VIA PHONE ANYMORE AND THE REPEATED LETTER THEY SEND IS REPETATIVE. PLEASE HELP ME REMOVE THIS.
09/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90008
 Web
I have been working with Bayview for months now on trying to retrieve a loan modification. When i would call in to check the status of the loan modification, i would receive a response back from XXXX XXXX that they were having issues with the Underwriter reviewing my information. He would advise that although all documents that were requested had been received, that the Underwriter was not reviewing them. He also advised that there had been some system changes which could cause the delay. This went on since XXXX of 2018. On XX/XX/XXXX of 2018, i received a denial letter stating that my account had been denied because i have too much equity in my property. I dont understand how they would allow me to come this far, when my property had equity when i first started the review process with them. I dont find it fair that i dont get the opportunity to save my home because of the equity. I dont have the funds to bring the account current while in foreclosure. I am not requesting any payment reductions, i am simply asking they put what i am behind to the back of the loan so i can begin resuming payments. Please help, i dont want to lose my home.
06/05/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IA
  • 52722
 Web
I filed for a modification of my loan last year, completed the trial paymentsakeing them all, and in XX/XX/XXXX Bayview Loan Services came up with a collection on a title search that was never found before of me owing back child support. I gave them the judgement by a iowa judge stating I dont owe, they didnt accept the court order, I filed for a new modification, and requested a reconsideration of the first, I submitted all docs that they requested and they have dragged there feet at every turn, not returning calls, request for information at all, I filled a complaint with CFPB just over a week ago, after this I got a call from my old account manager that a new one was assigned, and the same thing as happens with ththe new account manager, not returning calls, calling at times that when I have told them I was working and so on. Yesterday I have receive the first corespondents since I have filed, only after the CFPB complaint, and the letter contradicts each other, asking for information that I have already given them, and they still intend on selling the house on the XX/XX/XXXX without giving me due process under the modification law.
02/03/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 304XX
 Web
I am a mortgage banker at XXXX XXXX in the XXXX, GA office. I am having a problem with the company, Bayview loan Servicing LLC. To make a long story short, my client purchased a mobile home with land from the executors of the Estate of XXXX XXXX XXXX and the Estate of XXXX XXXX XXXX on XX/XX/2019. The address of the property is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. My client did not want to retire the title so we have been waiting on this company to release the title since this past XXXX. The company will not speak to me but they will speak to one of the executors. They have told the executor that they mailed the title to the office of the closing attorney ( XXXX XXXX in XXXX Ga ). The also informed the executor to not call them back. Mr. XXXX has not received the title and informed me to file a complaint. The phone number I have to the company is XXXX, but there is a different phone number for them online. The loan # is XXXX. All we need if for them to release the title so my client can apply for a new one. I would appreciate any assistance you can give me on this matter. Please let me know if you need any additional information.
12/04/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
 Web
My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). It 's been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. I would like to report this illegal and fraudulent activity by this incompetent mortgage servicing company so proper actions can be taken against them. It appears that this company is not managed properly and their harassing activities combined with their incompetence has caused agony and hardship for my family and I. Please process this complaint and provide the results as soon as possible. Thanks, XXXX ( XXXX ) XXXX
10/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92867
 Web
I have been requesting Mortgage Assistance with my lender Bayview who was transferred from XXXX XXXX XXXX. I have done what i can to keep close communication with my lender Bayview, but it seems Bayview is having employment issues going on and cant keep people employed with them. I had my file submitted to them about 3 times now and I had been told when my 3rd Party was calling that they got the docs and no more docs are needed- then they would call back a week later for a update and get complete different answer with who ever answered the call had no experience at all and no clue what they are doing. I have about had it with Bayview and need your assistance getting this file assigned and to stay assigned to one person w/ Bayview and not ever be transferred to one other person again. You will see the notes from XXXX XXXX XXXX that have been doing all that can be done to help this process move forward to get me a resolution with my lender, this is my home and I am very ill and suffer from XXXX and have many major other medical issues going on and i know i dont need a lender that cant hire a staff of people to do the job correctly
11/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 441XX
 Web
Complaint with Bayview loan servicing.LLC P.O.Box XXXX XXXX Mi, XXXX Company is located in Florida. Many many complaints, just look y=up. Please read this, this company Bayview loan servicing LLD, is in name only, they dp nothing but shuffle account around, no maintence, refusing payments. MAny homes are being foreclosed on. This company is a collection agency and A Mortgage CO. My issue is small I just need them to do an escrow analysis again, taxes are lower, refuses and payment went up {$200.00} I can not afford. Can not reach Anyone. I have faxed to them taxes still nothing. SOMEONE NEEDS TO STEP IN AND SHUT THEM DOWN. NOW MY ACCOUNT IS WITH AN ATTORNEY FOR FORECLOSURE. PEOPLE ARE LOSING THEIR HOMES. AND IT IS NOT CUSTOMERS FAULT. IF THIS COMPANY CONTINUES, THERE WILL MANY HOMELESS AND A CLASS ACTION. THIS COMPANY BOUGHT MORTGAGES FROM MANY GOOD BANKS, SO ALL THESE MORTGAGE LOANS ARE NOW CONSIDERED A COLLECTION ACCOUNT. AND SO MANY COMPLAINT ... XXXXi AM CALLING FLORIDA XXXX XXXX THIS IS AWFUL. i WORKED AT A BANK IN MORTGAGES AND CAN EASILY SEE THIS HAS TO STOP!!!! THIS IS A HUGE SCAM AND IT IS WITH PEOPLES HOMES!!!!
03/10/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KY
  • 400XX
 Web Servicemember
I am concerned about the quality and compliance control system in Community Loan Servicing. My loan was sold to Community Loan in XXXX. In XX/XX/XXXX I received a notice of cancellation from my insurance company. I called Community and, after a long talk, was told that they will take care of it. That it was an error. I followed up with an email and supporting documents. I never heard back. On XXXX XXXX I again received a notice of cancellation. I called and after a time found this : - The loan should have had the insurance escrow transferred but didn't. - After my first call the team I had spoken to sent a memo asking to have my bill paid. They were told not to pay it as the escrow was not supposed to be transferred. This decision was not told to me. - When I called on XXXX XXXX I was told initially that the loan didn't include insurance escrow but after pushing found out that it should have been paid. - I have again been told that the bill would be paid. I am concerned about the competence of this organization. Were this my taxes I could have lost my house. I am shocked at the sloppy work and hope it wasn't deliberate.
02/14/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • VA
  • 23505
 Web
I have an adjustable rate mortgage loan that has a very high rate of 9.45 % with very little going towards the principle. It also has a balloon payment of {$440000.00} due on XXXX XXXX, XXXX. In XXXX my loan amount was {$620000.00}. Today my loan amount is {$600000.00}. Over the last 10 years I have paid over {$500000.00} in payments with little reduction in the principle. I did not receive an amortization schedule and have not been able to get one from my mortgage servicer. I have complained many times to the mortgage company and my loan is either sold or the loan gets transferred to a new servicer. I have recently had a significant drop in income and could not make the payment. I have requested a loan modification under the HAMP program which was submitted in XXXX of XXXX. I am sure this would qualify as a predatory loan because of the high rate, non amortizing and excessive balloon payment. My monthly payment is {$5700.00}, of which {$4700.00} goes toward interest and only {$280.00} for principle. This is a loan that would not be made today. It only benefits the investors and makes it impossible for the borrower to repay.
02/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27519
 Web
It is regarding Community Loan servicing First my investment home mortgage was with Home point, they sold to Community servicing. we set up Autopay with Community loan servicing from my Bank for my mortgage on XX/XX/XXXX, I received a notification letter that the autopay was setup on XX/XX/XXXX, since i received the communication about autopay i didn't check my account. I applied for refinancing of my primary home on XX/XX/XXXX and i found out that my credit score dropped significantly about 160 pts because of 2 missed mortgage payments for Community loan servicing. I called the Community loan service and was able to talk to Escalation dept as i didnot recieve any notice, who told me that my autopay was cancelled and a letter was sent to my address which i got on XX/XX/XXXX, on the letter it was dated XX/XX/XXXX. I am not at fault and Community service reported to Credit Bureau and caused my score to drop 150pts. because of their negligence i am going through mental stress as many of my projects that need loan are on hold. I requested them and they told me that credit score will be corrected in 2 days, but didnot happen yet.
01/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 38018
 Web Servicemember
BayView Loan Servicing purchased and/or received our loan from XXXX XXXX on XX/XX/XXXX. BayView has been attempting to collect payment from us dating back to XX/XX/XXXX, although the loan was not theirs to service at that time and our payments were made ( which we have documented proof of ) to XXXX XXXX up until we were notified by XXXX XXXX on XX/XX/XXXX that the account would then be serviced by BayView. BayView also violated mortgage law by not informing us of the change of loan servicing until XX/XX/XXXX ( also documented ). According to law, they are required to notify us at a minimum of 30 days before the loan servicing changes hands, which they failed to ever do. The fact that they are : a. attempting to solicit funds for a period of time that they did not have legal right to the servicing of our loan and b. failed to maintain the legal 30 day notice of loan servicing change notification, BayView has violated state of Tennessee and federal mortgage loan laws. BayView has now began threats to foreclose on our home that is, documented, as being up to date on all payments and the error being on their side in this matter.
06/09/2017 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • CO
  • 80021
 Web
Back in XXXX , after the building industry collapse I missed payments on my mortgage. I applied for a home modification through XXXX XXXX XXXX . They held a XXXX and XXXX on my property. I was denied a modification, at first, then a new application package arrived by fed ex to fill out and sign before a certain date.. During that process, the XXXX loan was sold to Bayview Lending . They then sent countless application packets. I filled them all out. After getting denied 3 times for a modification, I tried to do a " Deed in-Lieu ''. That too got denied several tim es. I tried to short sell the property. Denied. All denied, but foreclosure dates kept moving. Last year I was contacted by an investor saying they could deal with the lender and had EXPERTS to deal with this and get it sold for me. They found buyers on several occasions, and each time bayview accepted the offers at first. All the proper paperwork had been filled out. They foreclosed the property 2 days ago. This whole process felt devious, uncoordinated, and incompetent.

My complaints are wit h : Bayview Lending XXXX XXXX XXXX XXXX XXXX

11/05/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Settlement process and costs
  • NY
  • 11743
 Web
I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$140000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly XXXX to verify my actual income and stated what it was instead. The current mortgage/note, XXXX XXXX XXXX Bank and also with Bayview loan servicing # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX, my S.S. # is *********** D.O.B. XX/XX/XXXX. XXXX XXXX XXXX Bank and Bayview Loan Servicing XXXX committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.
05/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 34746
 Web
As of XX/XX/2018, we have made 3 requests via phone to Bayview to cancel PMI. Each time we were told that we qualify and to send request in writing. Each request in writing returned denials. EarlyXX/XX/XXXX, we submitted another request with copy of deed. Two weeks later Bayview responded that we qualify and to complete an affidavit of no lien in addition to an authorization for an appraisal. Appraisal completed on XX/XX/XXXX. XX/XX/XXXX letter from Bayview stating that the value of our home has decreased and a copy of the valuation report is enclosed. There was no valuation report enclosed. Called two times yesterday around XXXX XXXX and spoke first to XXXX and then XXXX XXXX. No one could locate copy of valuation report. XXXX reached out to XXXX, her supervisor for assistance and still to no avail. Bayview is not transparent. As of today XX/XX/XXXX still no copy of appraisal. Instead on XX/XX/XXXX Bayview performed an Escrow Analysis and determined that there will be a shortage in the escrow account and has increased our monthly mortgage payment by {$55.00}. This analysis is normally done in XX/XX/XXXX or XX/XX/XXXX.
08/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 92117
 Web
I wrote the company, Bayview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX regarding their non-reporting of my mortgage loan payment history, ( loan # XXXX case # XXXX ), and I complained that they had not been reporting my mortgage payment activities to the credit agencies. They replied in a XX/XX/XXXX letter and said, " Due to your bankruptcy Chapter XXXX Discharge on XX/XX/XXXX we are unable to report your loan to the credit bureaus as it appears the debt was not reaffirmed prior to the discharge. Please note that if you would like for BLS to report the account to all pertinent credit bureaus, you must send us the reaffirmation agreement filed through the court. Once supporting documentation is received we review and update the account accordingly. '' I don't want to revive issues that were settled in a XXXX bankruptcy, I just want my loan and payment history reported. They are blackmailing me to accept new debt and are preventing me from an accurate credit payment history. Their actions are damaging to my ability to manage my credit and finances. Can you help me? Thank you. XXXX XXXX
09/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21146
 Web Older American, Servicemember
I have a variable rate mortgage. The interest rate resets each year. The " new '' rate is determined by taking a base of 2.25 % and adding in the 1 year Libor rate as of XX/XX/XXXX of that year. On about XX/XX/XXXX of each year, I get a notice telling me that my loan percentage is goingto reset and what that reset % would be if it were done on that date. This year, when I received my " reset '' letter on XX/XX/XXXX, it told me that my new rates was going to be 4 7/8 % based upon the fat that the current 1 year Libor rate was 2.61425 %. That percentage plus the base yielded a 4 7/8 % rate. However, the 1 year Libor rate changed dramatically between XX/XX/XXXX and XX/XX/XXXX ( went down from 2.61425 % to 2.15 % ). My contention is that my new loan rate should be 4.4 % ( 2.25 % base plus 2.15 % 1 year Libor ) or at worst 4.5 % if they round up rahter than the 4 7/8 % which I cam currently being charged. I have called the loan processor 4 times attempting to get this question answered to my satisfaction. In spite of numerous attempts to do so, I have not gotten a satisfactory answer as to why the rate is what it is.
02/16/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 90303
 Web
I have been working in getting a loan modification for over a year with Bay view. Going back and forth on getting documents to them with no responses from the Specialist they say are designated to my file. Recently, they asked for a documents ( a P & L ) which was provided to them within hours. I called to confirm receipt with the Asset Manager XXXX XXXX and unfortunately he was not available. Another Rude Representative within his department XXXX XXXX, took the call. When i asked whether they had received the document she said i had to speak with XXXX XXXX and rudely and adamantly advised that i was wasting my time and the sale date of XXXX/XXXX/17 would not be stopped. When i asked her why, she just went on to say that because we provided the documents were provide 7 days prior to a sale date.. She even verified in her system that the documents were requested on XXXX/XXXX/17 and they were provided the same day. How can they do such a thing and pull my home from under me in that way? Request documents and then say no we cant help you? I need your help! I have a sale date approaching XXXX/XXXX/17 next week Wednesday.
01/28/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • PA
  • 15317
 Web Older American
I have had my mortgage sold to Bayview Financial Services in Florida by XXXX in XXXX XXXX. I have been sending over double the payment every month since then. They have misapplied my funds very regularly and not applying my payment as instructed on the form to interest and extra to curtailment of principal. They are not permitted to call me. I have to call weekly to make sure they are applying the funds properly. In my statement of XXXX XXXX, XXXX it said I owed {$2100.00} and showed many misapplication reversals and suspense of my funds. I have no idea what they are doing as I received a certified letter in the mail about foreclosure because of three month non payment of the mortgage. I have all the bank statements and copies of all the checks showing that I have been paying {$1000.00} a month for two years. Now they are telling me that I should disregard this foreclosure notice and are applying the funds correctly but I am very worried something bad will happen to my property. Can you help?? I am scared and want my payments applied correctly on the date I mail them my payment and extra principal. What should I do?
08/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92592
 Web
I have a mortgage that is being serviced by Bayview loan servicing. I am not late, or behind on payments, but every month they start calling about the payment. Today is X/X/2017. The payment is not considered late until after XX/XX/XXXX, and I mailed them a check last week, so it will get there way before XX/XX/XXXX. So far today they have called me 7 times from 3 different phone numbers, and it is only XXXX XXXX. They are harassing me, and I am sick of it. The calls start early in the morning, and continue throughout the day. They are acting like I am in default, and I am not. My payment has been made every month, but they do this to me every month, and I have been paying on this loan for over ten years. They really know how to XXXX XXXX a good customer. I would refinance, but the loan has very good terms. ( They did not originate it. They took it over from XXXX ) I want them to stop calling me like this, and I told them so. The calls only increased after that. These calls are causing me stress, and anger. I do n't think they should be able to call and harass me like this when I am not late on my payments to them.
01/06/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • XXXXX
 Web
I have a problem again with this company. Since they took over my loan over a year ago they have not once collected an automated payment. I then managed to pay a backlog of payments and a agreed a plan with them however they again failed to auto-draft my payment citing the fact that they would not do this while the account is in arrears. I then sent a cheque to there payment centre that they have not cashed. I now have a foreclosure notice from them and have been try to contact them. Emailing constantly and despite them being received they are now being deleted without being read. I have left message after message by phone and email with their representative without a response. I have the full amount of arrears in my bank account to pay and have continued to ask how I am supposed to pay this if they wont auto draft the money or cash a cheque. Please help as this situation is quite ridiculous. The loan is with ( Loan # XXXX ) I am concerned that they are deliberately trying to foreclose on my property through not collecting my payments. Bayview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
07/15/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 11375
 Web
On XXXX XXXX, 2015 Bayview 's letter dated XXXX XXXX, 2015 was given to me by their attorney at the XXXX XXXX in the aforementioned matter. Bayview 's attorney claimed that this letter was sent to me on XXXX XXXX, 2015, however, this was yet another misrepresentation made by Bayview 's attorney in Court. As I 'm sure Bayview 's records indicate, Bayview never sent me their XXXX XXXX, 2015 letter. This complaint is to dispute the reason as to why XXXX XXXX was denied a HAMP loan modification. Based on Bayview 's response provided to my first QWR, Bayview indicated that {$5200.00} was used to determine XXXX XXXX monthly gross income XXXX {$3700.00} + {$1500.00} XXXX. In Bayview 's XXXX XXXX, 2015 letter it is further claimed that an affordable payment could not be reached without violating FHLMC 's HAMP requirements. This is not true nor is a specific rule cited to. The principal forbearance required in this case is less than 30 % of the UPB and less than the maximum amount of forbearance. Consequently, XXXX XXXX is eligible for a HAMP tier XXXX loan modification. Please see attached waterfall calculation.
03/28/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • IN
  • 464XX
 Web
Problem 1 ) I went through chapter XXXX for 41/2 years paid as agreed and when I finished I was told that my trustee didn't pay the correct amount which was XXXX short from the payment, so I agreed to modification for 3 months. So I recently receive a statement from their lawyer stating that I didn't fulfill my monthly payments and I couldn't understand why, so I call and Bayview Loan servicing the customer service agent stated that I didn't make my XXXX payment in which I did but I paid it early on XX/XX/2019.the, and that was the reason why modifacation wasnt approve. Problem 2 ) So after that I immediately, call my my bankrupt attorney and still awaiting a response, it was an hearing on this issue on XXXX XXXX from chapter XXXX federal court that I receive a copy in the mail indicating a hearing had taken place over the phone from the Federal bankrupt court. I have proofn that I made all of my require payments and I'm awaiting a response back from Bayview Loan servicing .please I need your assistance Bayview Laon Servicing Loan #. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX home XXXX cell
04/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web Older American
On XX/XX/XXXX, Bayview Loan Servicing bought my mortgage loan from XXXX XXXX and within the first week I started receiving Default notices. Bayview claimed I was behind on the loan when XXXX XXXX sold the loan to them. I spent hours on the phone with Customer Service, went back to XXXX XXXX to be told I was whole with XXXX XXXX, and I spoke to Bayview Customer Service and they still insisted I owed money to XXXX XXXX. I finally consulted an attorney and under the threat of legal action, I received a letter from Bayview that I did not owe any payments or any fees. They also stated my credit report was not affected. I believe this was in XXXX or XX/XX/XXXX. Then in XXXX it started again. I continuously paid my exact payment and did not pay any fees they were charging me. When I called they insisted I owed money and held payments I made in suspense, during this process. Now they are processing my payments but are still charging me fees, and fees on the fees. Enough is enough. I sent them a letter this week and I want to make an official complaint. Hopefully you can help us and clear up my credit report.
01/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33162
 Web Older American
MY HOME INSURANE DOUBLE EVERY YEAR, MAKING IT IMPOSIBLE FOR ME TO PAY MY MONTHLY MORTGAGE PAYMENT, IT IS SIX/SEVEN TIMES HIGHER THAN THE MORTGAGE PAYMENTS. IT IS ADVERTISE THAT THE MORTGAGE RATE IS SO LOW EVEN 1.5 %, 1.75 %, I AM PAYING 2 %. AUTHORITY NEEDS TO CONTROL THE HOME INSURANCE DEPATMENT AND STOP ADVERTISING THOSE LOW MORTGAGE INTEREST RATES, INDUCING PEOPLE TO BUY THEIR HOUSES WITHOUT TELLING THEM HOW HIGH HOME INSURANCE ARE. IT IS NOT FAIR MAKING PEOPLE TO GET INVOLVED IN BUYING A HOUSE KNOWING THAT THEY WON'T BE ABLE TO BECOME HOME OWNER TO GET THEIR AMERICAN DREAM, LIKE MYSELF, I HAVE BEEN PAYING MY MORTGAGE FOR 34 YEARS. AS A SINGLE MOTHER I HAVE WORKED VERY, VERY HARD TO RAISE MY CHILDREN WITHOUT ANY HELP FROM NOWHERE, NOW I AM A SENIOR CITIZEN SCARE OF LOSING MY HOME, IT IS NO FAIR. JUST THE IDEA OF BECOMING HOMELESS OR LIVING IN A SENIOR CITIZEN PLACE TERRIFIES ME. PLEASE HELP ME TO KEEP MY HOME, HELP ME BUYING MY HOME INSURANCE WHICH EXPIRES XX/XX/XXXX, XXXXOR MAYBE YOU HAVE A PROGRAM OR RESOURCES TO HELP ME TO PAY OFF MY MORTGAGE SO I CAN REACH MY AMERICAN DREAM. THANK YOU VERY MUCH
10/19/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • MD
  • 21237
 Web
My ex wife and I owned a home together before our divorce. We were told to sell the home through our divorce and we tried to do just that with Bayview to no prevail. I decided then before allowing a foreclosure to move back into the family home. I moved in and was given a modification but was NOT told that I had forced placed insurance on my home. Bayview Loan paid a local company to install a sump pump in this home which ultimately failed causing my and my family {$10000.00} in damages we were unaware were covered by this so called forced placed insurance. If I were notified in advance about this insurance by my company I would have never moved my family into this home. My loan specialist even admitted in email to having the sump pump installed in this home. Now, they are not fixing the mold issue and or replacement of the damaged areas in the home causing my family to be subjected to mold all over again which is a health risk for me and my newborn child. I have a total of XXXX children in this home and they are refusing to repair the home and cover the belongings in this home we moved into this home.
08/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 91360
 Web
Bayview Financial Loan Servicing is a predator debt collector. An unsecured SBA disaster relief loan was paid in full in XXXX. In XXXX of XXXX I received a re-instatement letter from Bayview Financial Loan Servicing for a commercial loan for a property with no address in XXXX ( I have never lived, worked or owned anything in XXXX ). and there was {$240.00} delinquent on the loan. I called the SBA loan dept and they told me the loan was paid in full with no outstanding balance. I explained that to Bayview Financial who in turn placed a charge off on credit report and repeatedly refused to remove it. Now as I am trying to refinance my house and I can not with this derogatory issue on my credit report - it states it is a real estate charge off. When I called again to dispute it, the supervisor at Bayview stated they now have found another new charge off for the same loan with a new amount of {$590.00} that will now be reported to the credit bureaus. The credit bureaus report whatever is given to them no matter how incorrect or wrong it is. This is absolute extortion and Bayview has no one to account to.
03/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • TX
  • 76017
 Web Older American, Servicemember
As of XX/XX/2020 my loan was up to date XXXX XXXX transferred my loan to Bayview Loan Servicing in XX/XX/2020 then in XX/XX/2020 Bayview Loan Servicing changed their name to Community Loan Servcing LLC. I was experiencing financial difficulty because of COVID and in XX/XX/2020 I requested and was granted forbearance for the next 18 months. I was hoping that Community Loan Servicing LLC as with other disasters and emergencies, they would be willing or in some cases required to provide forbearance and waiving late fees due to this pandemic. Under the CARES Act, if I was current as of the beginning of my forbearance in XXXX which I was they were not suppose to report late payments. I was granted forbearance in XX/XX/2020 which started with my XX/XX/2020 payment. Community Loan Servicing has reported 22 late payments on all three Credit Reporting agencies. I have tried reaching out to them to get this corrected but they refuse to make it right on my reports. I have had financial hardships ever since. And because of 22 late payments being reported on my reports have been turned down repeatedly for credit.
03/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75224
 Web
I am disputing my Principal Mortgage Balance that Bayview Loan Servicing is reporting. There are three issues in question. First Issue : XX/XX/XXXX I received an alert from XXXX Credit Bureau that Bayview Loan reported a Balance Increase First Mortgage, to {$280000.00}, the previous balance was {$280000.00}. Second Issue : XXXX, XXXX, XXXX Bayview Loan Servicing - XXXX Mortgage Interest Statement stated the Outstanding Mortgage Principal was {$280000.00} - Principal applied {$2700.00} bringing the balance to {$280000.00} ending Balance. Third Issue : XX/XX/XXXX Mortgage Statement reports the Principal Balance to be {$280000.00} with Principal & Interest & Escrow total Amount Due {$1000.00}. XXXX I received a letter from XXXX XXXX XXXX and learned that Bayview Loan Servicing transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting a negative escrow shortage of {$200.00} I want a full accounting detail to explain the mortgage increase that Bayview Loan Servicing reported to XXXX Credit Bureau. I want an full accounting detail to explain the Principal & Interest & Escrow Shortage.
06/12/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • LA
  • XXXXX
 Web
to whom it may concern : I have been in my home for 21 years. I got divorced about 13 years ago and was left to pay my house note..i found out that I was on a adjustable rate about 7 years ago.i have been trying to get on a fix note since then. every company I went through has taken my money ( and its about XXXX different companies ) saying they will get me on a fix rate..Never happen and I in a bad situation now..cause they want my home now!!! I have not paid a house note in 7 years and now they want my house..i have defraud out of my home cause of all these companies and I do n't think its fair to me and my children..its not like I have been sitting around doing nothing..what I want to know is why I cant get a loan modf..or a fix rate. my loan is now with bayview loan services and like all the rest they cant help me either. what is really going on? you work for these companies to help people like myself and yet still nothing is getting done..so I just have to take my lost out of my home and nothing are no one helped me..if anyone can find in there heart to help me please step forward and do so..
04/26/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 48204
 Web
I called bayview to ask why they were charging me late fees on my mortgage, when I send my payments two weeks ahead of time.I can send my payments on the first of the month and by the XXXX. off the month and they will tell me they have not recieve my payment and will charge me a late fee, I have until the XXXX of each month before my payments are late.When I called bayview loan servicing on XXXX XXXX, 2015 an ask when will they send my XXXX to file my taxes, they said that it will be mailing them out on a saturday XXXX. I waited until the end of XXXX and I still did not recieve a form. I called bayview back and they said oh we sent them out and if it do n't come go online an get a copy on their web site. I went on their web site an could not find it When I called them back and asked about my XXXX, they did'nt want to talk about the form an kept asking me why they have'nt recieve my payment. I called back in XXXX and asked them to send out a XXXX again, an all they wantrd to talk about was my payments being late. All along its seem like l am getting the run around, I 'm still waiting for XXXX.
11/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 240XX
 Web
Do to COVID my wife lost her income and we was SUPPOSEDLY put on a Forbearance plan that would STOP late fees, however they have not stopped the late fees! We are making $ XXXX {$800.00} a month payments ( what we can afford ) we pay something EVERY month. They said we can not make any payments at all or we can not be in any plan, they want us to send a balloon payment .... We have asked for a modification of the loan since it is FHA and they just keep dragging their feet, it has been since XXXX or XXXX since we was put in the so-called no late fee plan ... We have called and emailed well over 9 times and just get a runaround. I am XXXX and we have a child that was born with a XXXX. We have lived here in this house since 1998 and it seems they just want our house! Theres a missing payment which they say is from last year one time then again from this year ... ... they can not keep their answer straight! We want to be on a loan modification program and asked about that from the start and was told we would be placed on current no late fees program until modification, which neither is in place
10/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
my RE taxes in XX/XX/XXXX it showed Paid, although my mortgage does not have a escrow account and for 18 years paid my RE taxes on time Bayview Loans prepaid the taxes in XX/XX/XXXX. they are deliberately adding expenses to the account by prepaying and placing forced homeowners and flood insurance on the property. I paid homeowners ins XX/XX/XXXX @ {$960.00} in XXXX Bayview purchased another policy with the same company and Bayview added {$960.00} in fees for a second policy. In XX/XX/XXXX i paid the homeowners ins In XX/XX/XXXX when i went to pay my flood ins. i find that Bayview had prepaid it. they are violating my load agreement by creating a escrow account and placing forced homeowners and flood ins on the property. Bayview filed foreclosure complaint in XX/XX/XXXX, the case was dismissed in XXXX discrict Court on XX/XX/XXXX. After months of not receiving any correspondence or monthly mortgage statements On XX/XX/XXXX Bayview proceeded to send me a bill for over {$20000.00}. I have asked several times to send a breakdown but they refuse. violations 1024.37 1024.34 1026.41 Regulation X
12/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • XXXXX
 Web
My account No. with Bayview Loan Servicing is XXXX. I have been asking for Bayview to send me their short-sale package for three months, but typically, they've not responded. I have emailed and faxed their ceo, president, and head honchos all about this and have gotten nothing. Today, we were served with a Civil Action Summons from XXXX XXXX about our mortgage - WHAT? Since when did Bayview transfer our mortgage to them and they didn't even tell us. Now instead of complying with my simple request for their short sale package, we are in foreclosure. We spent two years of our lives a couple years back trying to get them to grant us a loan mod and they took us to court every month for mediation and finally gave us the mortgage mod. Now this. The way they have purposely ignored my plea for the short sale info is just awful - I told them the house is for sale and I just need those papers. Nothing. Now a summons. I also explained to them that I had a XXXX last year and my income is down to a monthly XXXX check. I hope they're investigated just as their predecessors were - XXXX XXXX XXXX.
01/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92883
 Web
I reapplied for a loan modification in late XXXX and sent all the documents in on XX/XX/XXXX and followed up two days later to make sure they were received, also l called during the month of XXXX to make sure nothing else was needed on the file and i faxed what was requested but towards the week of thanksgiving the customer service rep assigned to the account was out the office so i called and spoke to someone else but was told i could only leave a message, after the holiday i got a email requesting more documents so i faxed those documents on XX/XX/XXXX and again on XX/XX/XXXX, and called to follow up again on them and left messages and emails with the assigned rep but did n't get a reply until two weeks later stating that she did n't get the faxed so i re faxed them again so after all of these things they tell me today my file has been denied, when the fact is that i sent the documents in a whole month ago and they wait until now to tell me they did n't get my documents which an excuse when i called and emailed several times on the status of the file this whole thing is wrong!!
06/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95667
 Web
I have received several notices from Bayview Mortgage that my payment is delinquent and my loan is now in default. I have attempted to contact them on numerous occasions to rectify the matter but Bayview has been unresponsive. I have also sent them a certified letter trying to resolve the issue but they have not responded. My account is fully paid to date. I have sent them documentation of checks sent going back to XXXX 2018 and Ive never missed a payment. The accounting error is with Bayview and stems from their attempt to place forced insurance on the property. This increased my escrow amount substantially and so my regular monthly payments were recorded at deficient. I contacted XXXX XXXX of the Bayview insurance department by email who indicated to me that she has removed the forced placed insurance as I provided her with adequate documentation of other insurance. She instructed me to contact the escrow department asking for an escrow review which I did to no avail. I am continuing to received calls and letters from Bayview that they intend to foreclose on my property.
04/16/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OR
  • 972XX
 Web
I am a housing counselor working with a borrower who 's loan is serviced by Bayview. Bayview under charged about {$3300.00} for escrow in XX/XX/XXXX and the borrower elected to pay this amount in a lump sum in XX/XX/XXXX. However, Bayview continues to charge the borrower a mortgage payment including {$370.00} extra for the escrow repayment. Each time the borrower tried to contact Bayview to find out what happened to his payment, the system hangs up on him and he can not reach a representative. We called Bayview together using a desk number for a Loss Mitigation Representative that we had on file at our office ( because I also experienced the inability to reach a live person ). XXXX, the representative we spoke with, supposedly moved the funds.from a XXXX account where they had been mistakenly placed to the escrow account. However, the borrower continues to be charged the additional {$370.00} for escrow repayment. Each time that we contact Bayview we are unable to reach a representative through their customer service line and they give us the run around about the escrow account.
10/23/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 934XX
 Web Older American
I applied for a loan modification with Bayview Loan Servicing. I did this after my loan was transferred from XXXX XXXX XXXX. When it was with XXXX XXXX XXXX I was told that a modification at 5.125 % over 40 years would be acceptable. This was sent to us in a report. I sent in the appropriate documentation whereupon XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing in XXXX/XXXX of 2017. Bayview took in all the documentation and said we 'd be getting a modification only to turn around and tell me that my request was denied based on " the investor '' This loan, among others qualified for the settlement between XXXX, the investor and XXXX XXXX XXXX, the master servicer which stated that all of these types of loans need to have a modification applied to them. My payment jumped over {$1500.00} this month to now over {$7100.00} per month. As I am XXXX years old, I have no way to deal with this. When the loan originated I could afford the payments but my income was not substantiated. This has gone on for nearly a year between my dealing with XXXX XXXX XXXX and Bayview.
11/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10303
 Web
My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX ny address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my complaint is that my mortgage loan used to be with community loan servicing llc account number is XXXX before my loan was sold to XXXX XXXX XX/XX/2021 I was approved for a loan modification my trial period payment was XXXX the due date was XX/XX/XXXX with a grace period as long I get in in before the end of XXXX. I got letter from prior servicing dated XX/XX/2021 from asset manager Mr XXXX XXXX phone number is XXXX XXXX XXXX faxXXXX XXXX XXXX loan servicing llc saying I was approved I agree and accepted the terms then I ask Mr XXXX XXXX that my loan will be going to a new servicing company called XXXX XXXX and I ask him would I have to do loan modification application all over again. He responded no everything will transfer as is and selene finance will honor your modification request because it was approved by your investor so I called XXXX XXXX and put in my new account number XXXX and it still shows I am past due.
02/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28173
 Web
BAYVIEW IS ENGAGING IN DECEPTIVE LOAN SERVICING PRACTICES BY NOT PROVIDING UPDATED AND CORRECT FINANCIAL STATEMENTS, PROVIDING INCORRECT ACCOUNT INFORMATION IN ORDER TO CREATE A DEFAULT LOAN SCENARIO, NOT ABIDING BY THE TRUTH IN LENDING ACT, NOT PROCESSING/APPLYING MORTGAGE PAYMENTS IN ACCORD WITH THE SPECIFIED ACCOUNT SCHEDULE, NOT PROVIDING CORRECT PAYMENT INFORMATION WHEN REQUESTED, THEREBY CREATING A DEFAULT STATUS, NOT COMPLYING WITH THE FEDERAL REGULATED ACTS, THAT GOVERN LOANS AND PROCESS, AND THREATENING TO MAKE THE MORTGAGE LOAN IN DEFAULT STATUS, REVOKING A MODIFICATION AGREEMENT PREVIOUSLY AGREED TO BY XXXX XXXX XXXX, UNLESS PAYMENT IS MADE IMMEDIATELY ON XXXX/XXXX/16 ON THE TELEPHONE, WITH NO PROOF OR REQUESTED DOCUMENTATION PROVIDED PRIOR TO PAYMENTS BEING MADE. ADDITIONALLY THREATENING TO CANCEL THE MODIFICATION AGREEMENT XXXX HAS SIGNED WITH NO NOTIFICATION PERIOD OR GRACE PERIOD AS PER FEDERAL LAW, IF PAYMENT NOT MADE ON XXXX/XXXX/16 VIA THE PHONE BY XXXX XXXX, DESPITE XXXX XXXX DISAGREEMENT AND REQUEST FOR PROOF OR STATEMENTS TO BETTER CLARIFY THE SITUATION
09/03/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Settlement process and costs
  • WI
  • 535XX
 Web
Bayview Loan Servicing purchased the servicing on my home equity loan. During an attempt to refinance my XXXX mortgage Bayview reviewed my loan file and sent mailed correspondence saying I owed them {$220.00} for XXXX related to the XXXX. I had my mortgage lender contact Bayview to ask what this fee was. The gentleman on the phone originally said it was for attorney fees. After my mortgage lender questioned him he said it was probably assessed because my homeowners insurance had lapsed. My mortgage lender asked when the homeowners insurance had lapsed so he could send proof that there was insurance in place and that " Force Placed '' insurance was not necessary. Bayview said they would send me written correspondence showing me proof. Instead they sent a letter ( almost idententical to the first XXXX ) saying that " After a review of my loan file I owe {$220.00} in XXXX XXXX XXXX. '' They also included another copy of the first letter. Bayview has never come up with a good explanation of what this fee is for or any proof that I owe it. My Account number with Bayview is XXXX.
04/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92354
 Web
Hi, I am on a COVID-19 pandemic forbearance, I was been told that my loan is not eligible for loan modification because as per XXXX XXXX guidelines since I had received 3 modifications in the past therefore at present ( COVID ) time it will not be modified. The current times are different, I sincerely request for help as I am unable to pay lump sum amount of about XXXX and also probably can not afford repayment unless it stretched out to very long time. I do not want to loose my home. Just like certain rules and policies have been changed due to the worst ever times humanity is facing in US, I sincerely request my loan can be modified to a lower interest rate ( XXXX at present ) with an affordable payment. No one contacted me in the last 30 days from the servicing company and when I last contacted I was been informed that I do not qualify for any options. Why does the servicing company even write on their website that No one will be required to immediately make up the paused payments, all at once or in a lump sum. My email address is XXXX. Thanks. Regards, XXXX.
01/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19382
 Web
On XX/XX/2018, the servicing of my loan was transferred from XXXX XXXX XXXX to Bayview Loan Servicing. The loan was originated in XX/XX/2018 and an initial payment was made XX/XX/2018, as XXXX XXXX required the loan to be one payment ahead to set up biweekly payments. Biweekly payments were set up and shortly thereafter I was notified that the loan servicing was being transferred. When the servicing was transferred, the balance on Bayview Loan Servicing 's website did not reflect the payment I made in XX/XX/2018. Additionally, they told me I wasn't allowed to make biweekly payments on the loan, even though I had already set up biweekly payments with XXXX. I spent approximately 8 hours on the phone with Bayview trying to resolve these issues and found them rude and very unhelpful. The last I heard they were reaching out to XXXX about the missed payment. When I called to follow up, they told me it would be at least 30 days. My experience with Bayview thus far has been horrible and I am almost ready to refinance the loan so that I don't have to continue dealing with them.
02/25/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 198XX
 Web
We were defrauded {$5000.00} from the middle of XXXX 2014 to XXXX 2014, by applying for a loan modification thru XXXX XXXX XXXX. That was cash money. We were finally able to speak to a real XXXX modification officer. They in turn, had XXXX XXXX XXXX to handle the modification. We paid them {$4100.00}, and were " approved '' for a loan modification thru Bayview Loan Servicing. We have paid them {$2900.00}. We have been trying to get Bayview to correct our address. We live in DE, they have a CA address. We can not access their online system, saying our loan number does not exist. In the meantime, we have received XXXX letters in the mail from XXXX XXXX stating our mortgage has been modified. We have received NOTHING from Bayview concerning our mortgage. Two weeks ago, we received a letter from the Attorney Generals Office ( DE ) stating XXXX XXXX is not licensed to practice law in DE. We have just copied a stack of correspondence to be sent to DOJ. We do n't know if we have a mortgage, if we should find an address for them to mail payments to ...???? We are at a total loss
09/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • 972XX
 Web
On XXXX XXXX, 2020, i received a letter from Bayview Loan Servicing requesting proof of hazard Insurance for my loan. That same day, I obtained the insurance and emailed them proof, along with the condo association Certificate of insurance, to the email on the letter - XXXX. On XXXX XXXX, 2020, i received another similar notice and this time, i emailed the proof again to the email and also entered to the website listed on the letter - XXXX/ ( hidden ). Both times I received no response, call, email, nothing. Today, XX/XX/ 2020, i received yet another letter, this time stating that they obtained insurance to my condo since i didn't provide proof. I have tried calling and they never have anyone to answer the phones. My second loan payment, they double charged me and i had to cal twice only to be told that i needed proof, even though they had the money in their account and they were the ones to charge it, in order to get the money back. This company is dishonest and predatory and the ones who usually get hurt are people of XXXX such as myself! This is unacceptable.
06/30/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 77084
 Web Older American
Community Loan Servicing, LLC. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX, United States. XX/XX/2021, I mailed a cashier 's check to Community Loan Servicing, LLC., in the amount of {$4000.00} which was to be applied to the principal portion of my mortgage. In addition, I included a letter stating that the entire check was to applied to the principal only and this was also indicated on the check itself. Community Loan Servicing, LLC., took it on themselves to pay my XXXX and XXXX monthly payments, and {$2100.00} was applied to the principal of the mortgage. I called Community Loan Servicing customer service and the representative reversed the transaction and applied the entire {$4000.00} to my principal. They admitted that they made a mistake, but if I had not stayed on top of this blunder Community Loan Services, LLC. would have got away with misappropriating my cashier 's check money meant to be paid on the principal of my mortgage. Unfortunately, I would have continued to pay more interest on my outstanding balance which would have been a plus for them.
02/15/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 91745
 Web
It is tax time. I need a copy of my XX/XX/XXXX and XX/XX/XXXX Form XXXX Mortgage Interest Statements. I asked and has been asking Bayview Servicing Co, my mortgage lender servicer for copies of the statements but to no avail. I started doing this since XX/XX/XXXX and their response is, they were already mailed. I always check my mail in search of the needed statements however, I don't find any. I am getting desperate. I will travel on XX/XX/XXXX for a month, I am scared I can not file my income tax return before I leave. I remember last year. I requested the XX/XX/XXXX XXXX form. They were not able to give me the form. They just gave me the amounts of interest I paid them enabling me to include the information in the XX/XX/XXXX tax return. I am thinking, what could be the reason why they don't give the form? It is very important for me because it gives me the deduction amount that I can make from the tax computation and it should tell me the balance of my mortgage debt. I am paying a lot for this mortgage and they owe me to give a correct report/statement on time.
01/30/2020 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NJ
  • XXXXX
 Web
Please assist in an additional attempt to a resolution with Bayview Financial Services in regards to mortgage of Estate Property as each attempt I have tried, they have responded with insufficient evidence, to support they're claim. Bayview Case Number : XXXX Regulatory Case Number : XXXX * I have enclosed the court record. * Bayview has both death certificates * Bayview has copy of my birth certificate, showing I am the sister of XXXX XXXX, additionally, they have aknowledged I live in the home. I can provide my spouses, XXXX XXXX sons birth certificate as well, if needed, as he too is a successor of interest. I can provide verification that we hold note, & Security Deed as well as the Quit Claim Deed to property. I understand Bayview is not familiar with the prior situations at hand, nor the disputes, or the questions concerning Mr. XXXX actions regarding the Estate. I am offering a simple gesture of accommodation, in hope of crediting Bayview, with good business ethics, as well as a mortgage company that works with they're clients in such a time of despair.
08/21/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 91362
 Web
The loan has an escrow payment attached due to a property tax non payment that is now 18 months ago. The taxes have been serviced the payments made insurance maintained. To be specific Bayview Loan Servicing has made two tax payments totaling {$4400.00} and I have made one over the period of the supposed escrow. All other payments have been made by myself. The mortgage company stated over the telephone several times the " escrow '' payments would be complete and the loan would return to the original loan payment in XXXX of XXXX. The overpayments have amounted to over {$10000.00}. The amount was to be returned to myself at the end of the escrow period. The escrow period was to be from XXXX XXXX ending in XXXX of XXXX. The XXXX payment includes the escrow payment again with a confusing " reset '' of the escrow amount claimed. When the company has been concatenated by phone the explanation has never been clear and the unknown escrow amount and timeframe now open ended. We have also had a problem with holding of payments for 10 days after mailing resulting in late fees
07/06/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92807
 Web
Bayview Loan Servicing would send me a voluminous amount of letters stating that Bayview would like to help me avoid Foreclosure ; With options such as a Repayment Plan, Short Sale, Modifications and/or Deed-In-Lieu of Foreclosure. My home has an accepted purchase contract of {$530000.00} and is currently in escrow. The current total unpaid principal balance is approximately {$470000.00}. But with the late fees and other charges to Bayview Loan Servicing, the total payoff amount is about {$500000.00}. To make a long story short, because I need to pay fees and closing costs ( escrow fees, title insurance, real estate agent fees, HOA documents, transfer fees, government recording fees, termite repairs, etc., ) associated with selling a house ; I requested Bayview to waive about {$4000.00} from the {$500000.00} Pay Off Amount so we can close escrow. Bayview said " No. '' So, I asked Bayview if I can do an IOU ( installment agreement ) for the {$4000.00} shortage and I would pay Bayview in installments so that we can close escrow. Again, Bayview 's answer was a " No. ''
02/15/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MS
  • 392XX
 Web Servicemember
When I was deemed a XXXX XXXX XXXX and unemployable Veteran, I put in for a hardship under the Obama Mortgage relief to reduce my payments from almost {$800.00} a month to a lesser a month payment. They reduced my payment to {$240.00} a month and extended my payments to 480 months. I had never heard of a 40 year mortgage, also even though I had gotten my remaining balance down to {$18000.00} now my remaining balance is over {$23000.00}. It was never explained that out of the {$240.00} I pay each verbally or in writing that only {$17.00} goes to the principal. That explains why my payoff has went from {$18000.00} to {$23000.00}. On top of all of that I am forced to have an escrow even though I am tax exempt due to being aXXXX XXXX XXXX Vet, also I pay my own home owners insurance via bank draft. As of XX/XX/XXXX there was a {$1200.00} in escrow. Last year the escrow had gotten almost to {$2000.00} and then XXXX out. It is something wrong because I haven't missed nothing but 1 payment in the pass two years, but on my credit report it shows 2 or more missed payments.
05/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30038
 Web
XXXX XXXX XXXX and Bayview Loan Servicing is attempting to foreclose on my home with a fraudulent assignment transfer. Section 201 of the pooling and servings agreement states that all assignments and transfers had to be conveyed before the cut off date of the trust filed with the United States Securities Exchange. I contacted Bayview loan, I stressed my concerns and disputes they stopped the foreclosure sale, and told me that they would be sending a workout package, and I have not received. We made a phone to the case manager, but my calls have not been returned. I filed an affidavit of Fraud by an Expert XXXX XXXX XXXX in XXXX Superior Court XX/XX/XXXX on this fraudulent assignment that being used to conduct this foreclosure. I also revoked the power of attorney that i signed XX/XX/XXXX. I removed XXXX XXXX XXXX XXXX from having the right to signs attorney in fact for me, and everything is recorded in XXXX Co Superior Court. Bayview as not responded to my debt validation letter, proof claim, or my QWR This was a loan that was apart of the GLOBAL WIDE SETTLEMENT
02/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30097
 Web
XX/XX/2018, Im still trying to contact Bayview Loan Servicing so they can update my account..No one will answer the phone or return my call. All the lies and scamming, guess they dont want to talk to me. YES, Bayview Loan Servicing Approved and Executed my Loan Modification, but XXXX XXXX continue to send me harassing letters about foreclosure, claiming they didnt receive my last trial modification payment. I have provided proof that Bayview Loan Servicing received the last trial Modification Payment. They are so INCOMPETENT there. Im NOT Sure if the employees there have high school education, especially XXXX, she is so dense. My account need to be updated. When my attorney finishes with these crooks they will be sorry! I have a contract signed, approved and executed by Bayview Loan Servicing saying I didnt need to do anything else. I received instructions where to send the new modification payments. I have already sent XXXX XXXX my 1st Loan Modification Payment so I dont know what XXXX XXXX is talking about. She is a big liar, trying to scam more money out of me!
09/08/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 173XX
 Web
I am XXXX years old with XXXX children. My home is also attached to the only income I receive. I have lost renters, had to do several repairs on the apartments and finally have all my unites filled with constant payments. I understand that I have had XXXX modifications before and that my mortgage company has tried to help me. I finally have faithful tenants and am asking for one more chance to make this right. I know I can pay the mortgage now and I have complete faith in my tenants to make sure my payments are made on time. I submitted a review package for assistance with proof of my hardship and they would not even forward to management to be reviewed. They simply told me no. I do not feel as a account manager and them not loaning me the money they have a right to deny me without proper review. I do now want to lose my home and my only of income as I do work. My husband use to handle all of this before passed and I am now dealing with it and can manage much better than I did before if given an opportunity. Please help me any way you can. Thank you in advance.
09/20/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33177
 Web Older American, Servicemember
XXXX XXXX XXXX XXXX has been contacted several times. The last time was XX/XX/2021. As the servicer of a loan with Bayview Loan Serving now Community Loan Servicing XXXX XXXX XXXX XXXX were notified that the property attached to the loan was sold and closed out on XX/XX/2021. XXXX XXXX XXXX continued to deduct {$300.00} from my business account which created a problem of taking my money for a mortgage that was closed out. XXXX XXXX XXXX suggested talking to Bayview. I did so on on two separate occasions XX/XX/2021 and again today XX/XX/2021. At XXXX & XXXX I have spoken with XXXX, XXXX XXXX, XXXX XXXX XXXX. At Bayview, I spoke with XXXX XXXX, asset manager. Maybe my like name confuses XXXX XXXX XXXX in the communication since I am sent back & forth between the two entities. The resolution is simple. XXXX XXXX XXXX accept the payoff from funds received at closing on XX/XX/2021, zero out the mortgage account and refund all {$300.00} payments plus {$35.00} bank fees after XX/XX/2021 from my business account. These actions have disrupted my life and business.
08/18/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IA
  • 52806
 Web
I have tried tor to resolve my issue of a loan modification with Bayview Loan Servicing several times. I have resently filed a complaint against them for not allowing me to have modification do to an issue with my employement during the last one that made it impossible to make the third , and last payment on time for my last modification. I gave them evidence of the change in income, and job that caused this, and it was not excepted, even though I did try to make the last payment only two days after their cut-off date . In their last denial, they gave me the option to file for another loan mondification along with sort sale , and deed in-lew of foreclosure. I submitted a new loan modification application on XX/XX/2019, requesting new consideration. I Am doing this new application even though it has been over a year since the old approval , to which they have denied my because I an still the year due to when the trial months fell, not the approval itself. I want to ensure that I will be given fair consideration , and not rail-roaded into losing my home.
02/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30097
 Web
Bayview Loan Servicing is stealing mortgage payments and claiming they never received your payment. During my Trial Loan Modification I made all 3 of my payments on time. XXXX XXXX is a very dishonest person, she lied saying they didnt receive my XX/XX/XXXX payment. Today I decided to go online and look at my statement and I can clearly see where Bayview Loan Servicing received my payment on XX/XX/XXXX in the amount of {$710.00} and it was credit to my account on XX/XX/XXXX, a blind man can see the fraudulent activity going on here. XXXX XXXX sent me a letter yesterday saying my Loan Modification is denied because I didnt make my last payment. Is XXXX really that XXXX, she doesnt see the payment? I have done everything to resolve this issue. I will be going forward with a lawsuit against these CROOKS! My Loan Modification was APPROVED and EXECUTED because I did everything I was supposed to during my Trial Modification Period! Something serious is wrong with XXXX XXXX and she needs to be terminated and locked up for trying to steal and scam people!
03/08/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30022
 Web
I own a second home that was financed through XXXX. I have been paying my mortgage directly to them for many years. I went to their website to get my year end statements for taxes and the account no longer existed. I call XXXX and at the end of XXXX and was told they sold my loan to Bayview Loan Servicing back in XXXX. I have never been sent any documentation from Bayview. I received a few phone calls from a women who asked me to call her back because she has good news, which I did not do. After speaking with XXXX, I realized that this women was from Bayview and gave her a call. She claimed I was 4 months behind on my mortgage and offered me to restructure the loan. Instead of a XXXX mortgage payment I can lower it to XXXX. My XXXX mortgage payment was in the XXXX range. I then asked her to email me some documentation and statements so I can review and respond. I still have not received any. I have called but no response. My situation is now I 'm in contract to sell the 2nd home and am afraid this will cause a problem. Not sure what to do. Thanks
07/02/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19720
 Web
I filed a complaint through CFPB on Bayview loan servicing for reporting false information to the credit bureaus a few months ago. They responded to the complaint apologizing for their errors and stated that it was their mistake for the missing payments as monies had not been applied properly. I have refinanced to another company and Bayview updated my credit report to {$0.00} balance which IS correct, but they put all of the derogatory payment history back on my report which they already acknowledged was their fault. Per my lawyer and the judge, they were required to remove all of the false information from all of my credit reports. This has once again negatively affected my credit. They have put since XX/XX/XXXX that I have been 90 days late and that only XX/XX/XXXX and XX/XX/XXXX have been current. Which is false. They also continue to send me bills for escrow of {$210.00} even though my account has been refinanced to another lender since XX/XX/XXXX. I do not want them to report that I am past due on those monies as my account is paid in FULL.
12/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
i submitted a complaint against Bayview loan servicing on XX/XX/18 in regards to my loan which is has many federal violations, as was stated previously i never received my disclosures from XXXX XXXX nor did i received the right to rescind the loan, Bay view loan is servicing this loan for a lender which i believe to be XXXX XXXX XXXX which has been the subject numerous lawsuits because they assumed loans from XXXX XXXX which was also involved in my loan, so when the LENDER took over this loan they assumed all responsibilities of that loan and since XXXX XXXX assigned the loan the day after it was purchased, XXXX XXXX is out of the picture and out of business, based on the documents i have the Note and TRUTH and Lending Don`t match which is a direct Violation of the Federal Lending Laws regarding Mortgages, so my loan was a bad loan from the start, interest rate, payments and terms. Bayview is not going to just sweep this matter under the rug and pass the buck this has become a Federal issue because there was no Truth in this Lending!.
10/29/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 334XX
 Web
Company of concern : Bayview Loan Servicing XXXX XXXX XXXX XXXX MI XXXX complaint : After a refi, this company took over servicing from the lender that closed the loan. During the loan closing process and after the loan closed Bayview has been repeatedly requesting that we supply them with proof of hazard insurance. We have provided ( myself and my insurance agency ) to the whomever the person from Bayview requesting the docs at the time of inquiry. I've emailed on several occasions and even used their online portal system to submit the docs. I've requested several times from Bayview that someone please acknowledge my proof of insurance and remove me from the " final notice '' list. They send me a letter every month explaining they need proof. They also state they will auto draw an absorbent amount from my account to cover the cost of insurance. I'm at a loss and don't know how to move forward with this company. I'm hoping my complaint will help solve the service issue I'm experiencing. To be honest, these tactics feel predatory.
08/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AL
  • 359XX
 Web Older American
XX/XX/2022 I Applied For Forbearance On Home Mortage As They Were Showing On Ther Web Site With Community Loan ( Formally Bay View Loan SVS. ) & They Said They Could Help With That Up To 6 Months Or Up To A Year I Sent Application In & They Responded With Ok & That They Were Going To Re Look At It 90 Days Out So They Did They Asked Me If I Was Still Strugling & I Responded Yes/ That Was XX/XX/2022 & At End Of XXXX I Got A Letter From Another Company ( XXXX XXXX XXXX ) That Was A Dept Collector On Loan I Then Tried To Go On Line Where My Account Was ( Community Loan ) To See What Was Going On & Site Was No Longer Avaliable To Me & I Have Been Talking With XXXX XXXX XXXX. Since Then & Trying To Get Some Help With Lower Payment Or Loan Modification. I Then Found Out That Former Lender ( Community : Loan Did Not Put It In Forberance But They Differed Payments Instead. I Went To XXXX On Line For Help & They Are No Longer Accepting Applications At This Time. My Next Steep Is Looking Localy To See If I Can Get A New Loan With New Lender
02/21/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75022
 Web
Bayview Loan Servicing is incorrectly reporting late payments on a loan that never existed. The line item on my credit report appears to be a duplicate of a XXXX XXXX XXXX XXXX. They have reported late payments of greater than 120 days as recently as XX/XX/XXXX. These incorrect late payment reports are preventing me from qualifying for a mortgage. I have no other negative items on my credit report. I have asked Bayview to review the account in writing and via multiple phone calls. They leave the erroneous information on my report, and typically add an additional late payment to my report for whatever the current month is when I file the request for them to investigate or a request/dispute with the bureaus. Months of incorrect late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Also of note - on my credit report it shows " account closing date '' of XXXX. Last activity date of XXXX.
12/22/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CT
  • 06902
 Web
I submitted a form for a XXXX, a mortgage assistance program, to my mortgage servicer, Bayview XXXX XXXX XXXX. At this time, my mortgage is at XXXX XXXX % and the monthly payment represents more than 65 % of my gross monthly income. I started the process XX/XX/2016 and now after XXXX representatives and sending all the documents needed. It is clear to me that they have not presented my documents to the government program, XXXX. It is clear to me that Bayview XXXX XXXX is catering to the investor who is holding my mortgage, XXXX. With interest rates so low, why would they release my mortgage to be amended under the XXXX program. They did n't submit my application and denied my request to submit it. I tried to refinance but my income is too low so I was denied. I have been paying for 11 years and am current but it is very difficult for me at this time to continue paying such a large portion of my income to stay in my house. The government should be going after the loan servicing companies because they are abusing people like me.
02/10/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 11757
 Web Older American
My son and family wanted the property but they were not able to keep up payments I helped for years but XXXX XXXX I could no longer assist. My loan was originally with XXXX where they allowed me to try a short ale sale to avoid forclosure. After 18 months on market a bid came in and at the that time loan was sold to Bayview Loan Servicing Loan # XXXX and they rejected it so at that time I requested a deed in lieu. On XXXX/XXXX/XXXX I have sent application and since then repeatedly sent documents including the application package twice XXXX XXXX, XXXX then on XXXX they request final document which was sent now on XXXX/XXXX/XXXX the same documents are being requested. over again they were sent either to their document email, processors email or XXXX. And still have issues they have n't received them. Today I again emailed them. It is difficult to get someone on phone. I held 15 min when I asked for a manager then gave up. I would like to be approved for deed in lieu or they can advise me they will move forward with forclosure.
10/07/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MA
  • 01880
 Web Older American
After re-reviewing an account transaction document received from Bayview Loan Servicing LLC XX/XX/XXXX earlier today, I found a charge of $ XXXX from the servicer applied to my account in in XXXX XXXX for a FORCED PLACED homeowners insurance premium despite having full coverage at the time. Upon further review of the document listing transactions from XXXX XXXX - XXXX XXXX, there appears to be no reversal/credit of that charge. I own a condominium XXXX Massachusetts XXXX and the master policy at the time was in place from XXXX XXXX and ran through XXXX XXXX. The certificate was submitted to Bayview Loan Servicing LLC in XXXX XXXX within three weeks of being requested by them for proof of insurance. The premium however, was charged to my mortgage account two full months BEFORE receiving any notice and while the policy was in place and in good standing. Nor was I ever advised in writing or at any time during the phone conversation confirming receipt of the policy certificate of having a forced-placed policy or any charges.
11/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19348
 Web
My mortgage was sold from XXXX XXXX to Bayview Servicing last year after my mortgage process was screwed up. I contacted the new mortgage company Bayview Loan Servicing in XX/XX/XXXX because my XXXX school taxes had not been paid to the XXXX XXXX XXXX XXXX. The rep on the phone confirmed that the bill had not been paid. She said, I am marking the bill paid and will send an inquiry to the escrow department so they can trace your payment. She assured me that they would research the account and pay any outstanding bills. I received another notice this month stating that if I did not pay the delinquent amount by XX/XX/XXXX that my home would be sold. I contacted them again and was assured it was indeed paid, but they could not provide me with a check number to provide the county. They gave me a tracking number for a XXXX XXXX shipment and the dates did not match up to what the agent XXXX said my payment was sent/processed. The county confirms that they don't have my payment. I do not want my home sold out from under me.
09/18/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30044
 Web Older American
I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to XXXX XXXX XXXX effective next month. I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.
07/08/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 10550
 Web
I have a mortgage which was originally with XXXX. I 've been working with them since XXXX XXXX to complete a deed in lieu process, which was recently approved with a {$6400.00} incentive due to me. I was advised by the representative at XXXX that they would draft the final papers for me to sign and the new servicing company would take it from there. The servicing of the loan was sold to Bayview Loan Servicing , LLC on XXXX/XXXX/XXXX. Given the urgency, I have been following up regularly with my representative at Bayview, to no avail. It seems as if they are purposely delaying the process by not returning my calls in a timely manner or following up with the necessary parties to complete this deed in lieu, which has already been approved. The house has already been taken over by XXXX, yet I continue being billed for water, etc. Time is of the essence and I 'm being put in a stressful position, because of the risk of foreclosure. I need someone to help intercede, given the sensitive and urgent nature of this matter.
07/02/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 92008
 Web
My normal interest only mortgage payments for XX/XX/XXXX and XX/XX/XXXX were sent via mail on XXXX XXXX, 2015 and XXXX XXXX, 2015. Both payments were stamped on XXXX XXXX, 2015. I received a letter dated XXXX XXXX, 2015 that says they are returning the checks because they can not apply the payments. No other explanation was provided. I sent an email on XXXX XXXX, 2015 to a Bayview representative which serves as a formal QWR. The email was read on XXXX XXXX, 2015. To date I have received no response nor explanation for my payments being returned along with other issues concerning the servicing of my mortgage. My XX/XX/XXXX payment was mailed on XXXX XXXX, 2015 and they have not processed nor returned that payment. I am sending the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments today. Bayview has neglected to answer any of my inquiries and I would like an explanation and correction to the accounting of my loan. Bayview continues to report derogatory information to the credit bureaus while I am current on my loan.
05/20/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 32808
 Web
I received the Florida Hardest Hit assistance in XXXX XXXX and FHH paid my mortgage comany XXXX partial arrears of XXXX and my monthly mortgage for one year until XXXX XXXX. During this peroid I have been unable to work out a plan to resolve the outstanding arrears of {$8800.00}. I am now able to pay the monthly payment and resolve the arrears within one year. Bayview/XXXX failed to dismiss my foreclosure proceedings and have not moved to reschedule the hearing for XXXX XXXX. This foreclosure proceedings should have been dismissed upon receipt of funds from FHH. In sum, Bayview/XXXX have received approximately XXXX during the last year and are still moving forward with foreclosure proceedings. These actions are not consistent with the FHH program and fail to demonstrate good faith or the intent of the FHH program. In addition, I provided quarterly reports to my FHH agent detailing my inability to resolve outstanding issues with the mortgage company. Documents detailing my efforts can be provided upon request.
02/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92883
 Web
a qualified written request was submitted to bayview loan servicing on two separate occasion with no response to the request on XX/XX/XXXX and XX/XX/XXXX as per in sub title E Mortgage Servicing of the Dodd- Frank and Consumer Protection Act Bay View had 5 days to response by mail and must provide a substantive response to the borrower within business 30 days, THIS has not happen but bayview loan servicing is moving forward with the foreclosure and according to a letter date XX/XX/XXXX stating that bayview was still in the process of a resolution of the matter of the loan modification with a proposed resolution date of XX/XX/XXXX, so while bayview was telling me this they still had a sale for XX/XX/XXXX we called everyday this week to get an answer and nobody would tell us anything until today that the sale was still moving forward even with a pending answer on the loan modification and violations of the dodd- frank and the consumer protection act, there intent was to foreclose without any regard whatsoever.
05/11/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • GA
  • 30315
 Web Older American
Prior to 2014 my mortgage was handled by XXXX XXXX formerly XXXX XXXX XXXX .My note was coming out of my social security check every third Wednesday. Unknown to me XXXX transferred my note to XXXX who stated I was in default for the XX/XX/XXXX and XX/XX/XXXX. I disputed the default and sent information to XXXX showing the amount that was paid. XXXX did not post both payments until XX/XX/XXXX.XXXX transferred my not to BAYVIEW Servicing and my payments went from {$360.00} to {$510.00}. My check is {$1000.00} of which I have to pay life insurance on my XXXX greatgrandchildren and myself, light, gas and water. I have tried to resolve this matter to no avail. Now I 'm threaten with a bill of {$1000.00} by XXXX XXXX or face forclousure. All information requested by XXXX was sent including bank statements .XXXX is no longer in the XXXX area I do n't know what happened to the money that was coming out of my check but i would like to know. Any advice will be greatly appreciated.This loan was supposed to end in 2014.
05/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
In response to the XXXX XXXX XXXX XXXX who has the XXXX of XXXX I have attorneys in place and look to gather further XXXX letters which I am getting from Bayview for my attorneys. If you look at the image you will see that there are 2 joint tenancy 's on the property which goes to show that by law you can have more than two. Also the attached Colorado Law shows that property in joint tenancy does not have to be probated and that is all this XXXX XXXX talks about.The property transfers form one party to another I guess the lawyers that I have will explain this to the XXXX XXXX XXXX. This XXXX XXXX XXXX does not have a clue as you can see on the title of the property there is Joint Tenancy filed in XXXX, XXXX, XXXX and when you read the property title and you look at the XXXX XXXX in Colorado the property transfer and the XXXX XXXX XXXX has done no favors and the people at Bayview are going to pay with XXXX XXXX, and XXXX XXXX, and XXXX XXXX all ready lets get the XXXX XXXX XXXX to send another XXXX letter.
08/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 934XX
 Web
I have been working for many, many months in an attempt to get a loan modification with Bayview Loan Servicing. Originally my loan was with XXXX XXXX XXXX and I was almost through the loan modification process when the it was acquired by Bayview.. I have been trying to get my loan modified with them for about a year now. Their course of action seems to be stall, stall, stall. My first asset manager was somewhat responsive. at least he would return calls and send emails with information or requests for documents. But somehow he disappeared and it was weeks before I knew he was no longer assigned to my file. I now have another asset manager but he never returns phone calls. Several have been left for him over the course of the last several weeks but we almost never hear back. I have received no updates on the status of my loan modification request in recent weeks. I know something is happening as I received an appraisal on my home, but no updates at all on where we are in the process. I want to keep my home.
06/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CO
  • 80205
 Web Older American
I have spoken to company, Bayview Loan Servicing , LLC. about this incorrect information on my credit report on or about XX/XX/2018 also sent an email on the dated XX/XX/2018.This information was sent to ATTN : Customer Service and XXXX XXXX my account representative for # XXXX. Bayview Loan Servicing stating that the company has decided to make XXXX XXXX XXXX XXXX, ( who is primary on this loan ) to make myself XXXX XXXX XXXX ( second position ) co-equal on this loan as of XX/XX/2018. Bayview has put a {$19000.00} arrears on my credit report although I have been making consistent payments on this property for over 10 years, but there is not foreclosure on property. I hav n't received a payment coupon book in 10 years for this loan. The interest is 10 % on this loan. My loan was at 2 %, what happened? I believe this was done out of retaliation due to me refusing to refinance the loan with this company after, XXXX XXXX asked me four times in the same phone call. Thank you, XXXX XXXX XXXX. XXXX XXXX XXXX
08/15/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30106
 Web
In XX/XX/2018, I applied for a loan modification with my servicer Bayview Loan Servicing. I was advised after the paperwork was submitted that the " single point of contact '' or " relationship manager '' had changed and therefore I had to resubmit all of the paperwork. By the time I was advised of this, and the paperwork was resent ( XX/XX/2018 ) I was advised that my request for a loan modification could not be reviewed as they ( Bayview ) had set a foreclosure sale date for XX/XX/2018. Although the documents were resubmitted again last week ( XX/XX/2018 ), I fear that no one will acknowledge receipt of the documents nor review my request. I feel I have stable enough income to pursue a loan modification, and I am even willing to sell the property should a loan modification not work out. I am, however, upset that Bayview will not work with me to try to keep my home or work out a solution when I have been very transparent with them about my hardship and have complied with any/all requests for documents.
01/10/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34275
 Web Servicemember
My parents, XXXX and XXXX XXXX, obtained a loan from XXXX some twenty years ago relating to flood damage to their home in XXXX. They made payments on the loan for years. They are both now deceased. XXXX XXXX passed away on XXXX XXXX, XXXX, and XXXX XXXX passed away on XXXX XXXX, XXXX. Both died intestate, and without assets. No estate proceedings have been, or will be, commenced. Bayview is attempting to collect the loan despite the fact that both parents died without assets. In addition, Bayview is attempting to collect this debt from the decedents ' daughter, XXXX XXXX, who bears no legal responsibility for this debt. They are sending demand and collection letters to XXXX XXXX at her address at XXXX XXXX XXXX, XXXXXXXX. The decedents, XXXX and XXXX XXXX, never resided at XXXX XXXX XXXX. Finally, Bayview is falsely misrepresenting that this is a mortgage debt and that there is a mortgage on XXXX XXXX XXXX, XXXX XXXX 's residence, when that is not, in fact, true. XXXX XXXX is an apartment complex.
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MN
  • 55060
 Web
My mortgage loan was transferred from XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX while on a forbearance plan due to hardships associated with XXXX. Immediately upon receiving my loan, XXXX XXXX and community loan servicing ( cls ) reported me 120+ days late. They did this for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon complaining, XXXX XXXX corrected their error. But, CLS did not. I reached out to them and they said they had never done that and they send me a letter in XX/XX/XXXX confirming that. CLS loans were then transferred to XXXX, and as of today, I have tried to fix this issue but they cant resolve it because they say that XXXX must correct it not them. I have filed reports with the bureaus, I have escalated through XXXX, and they wont help either. This has created tremendous hardship because I cant refinance due to my credit being impacted by these 3 x 120+ Lates. Help!!!! Please. Someone needs to hold Community loan servicing and XXXX XXXX accountable to report credit accurately. Please help.
02/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33025
 Web
Considering Bayview Loan Servicing has a reputation of not working with clients, I have decided to submit this complaint although I have emailed their customer service about the erroneous information on my credit report but no answer is yet received. I found that the BayView mortgage-loan info from my credit report shows the missed payment for XX/XX/2018. This information is incorrect and it has been affecting my credit report unfairly. The payment in XXXX was made on the XXXX. Although not being held against me, there is also erroneous information related to the payments made in XXXX, XXXX, and XXXX. I am attaching a snap of my credit report with BAyview errors reflected as well as print-screens of all my payments to Bayview from last year so you can check when the debt was taken from my XXXX account. My records prove that I DID NOT make any late payment last year, all payments were granted before the XXXX of each month as Bayview regulates. Thanking you in advance for your kind help in this matter
08/04/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21037
 Web Servicemember
In XXXX XXXX, I requested an Escrow Analysis because my mortgage payment increased. The increase was due to higher taxes and insurance which I understood, however, the company said they were " allowed '' by law to invoice for more than what is actually owed for escrowed items effectively allowing them a cushion of extra funds in my escrow account. I expressed to them verbally that I can not afford anything over and above what the actual charges are. In XXXX XXXX, I once again requested an Escrow Analysis and was promised I would receive one by no later than XXXX/XXXX/XXXX. To date, I have yet to receive my Escrow Analysis but I have received a notice of intent of default and intent to accelerate, presumably because I am not paying the invoiced amount and now I have incurred late fees and additional charges. My son was diagnosed in XXXX XXXX with an XXXX and the XXXX of this situation is very hard on my son and me. I would so greatly appreciate any assistance you can provide. Thank you, XXXX XXXX XXXX
01/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OR
  • 971XX
 Web
I am a XXXX XXXX working with a client trying to avoid foreclosure. He tried contacting his lender numerous times regarding options for modification. They over and over told him to complete loss mitigation package sent to him. Informed him each time he sent all the documents over that he was missing documents, they never received them or that his documents were expired by the time they got the other documents. This has continued for over 2 years now and the ct is now in the OREGON FORECLOSURE AVOIDANCE PROGRAM. We both have experienced trying to contact the account manager in the case and left a number of voicemail and never received a call back. The client and I have yet to get a finalized review for a loss mitigation options for home retention. They continue to not be responsive and prolong the process it feels like till they client has not other option due to all the fees they 've inquired by the lender prolonging the process. When the homeowner has complied and provided all the documents needed.
10/24/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95206
 Web
Bayview loan services. I submit my loan modification with them for last three months as of XXXX/XXXX/XXXX Its still pending even though its still pending they already set a date XXXX/XXXX/XXXX of my home sale ( foreclosure ). i talk to XXXX XXXX XXXX XXXX they prequalify me and willing to help to but they need 21 days to do this so they ask me to ask my lender to postpond my sale date for few days and i did call bayview loan services and ask for the postpond date and they are not doing it. they are doing my loan modification which is still not done yet and at the same time they have my home sale date set already which is compleately prohibited in california homeowner bill of rights. i even told about this law to one of their manager XXXX and she said their is no such law where all my other resources i checked with they said this law does exist. so my complaint is to have them postpond the sale date of my home which is XXXX/XXXX/XXXX. regards XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXXXXXX
02/23/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 23502
 Web Older American
I applied and was approved for a loan modification with Bayview loan servicing. They messed up the first modification and issued me a second as a courtesy, but did n't notify me of the mistakes. I worked with a housing counselor who was the one to first find out about the mistakes. I made payments toward the 1st trial modification but they told me it was the wrong amount because they gave me a second modification and that amount was higher. So the modification is now void and my house is in foreclosure. Also, my house was damaged and the insurance company told me send the check to bayview. I did. Bay view kept telling me the check was sent to loss and found. Long story short they cashed the check ad lied to me for months telling me they did n't know where it was. Even after keeping my XXXX check ( which was more than enough to keep me out of foreclosure, Im scheduled for foreclosure in less than 30 days. Please contact me I fell this is wrong on so many levels and they are trying to steal my home.
06/02/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • SC
  • 29720
 Web Older American, Servicemember
Hello, I am a retired XXXX professional living on Social Security with a budget that handles us from payday to payday. My issue is with the cancellation of PMI on my mortgage. The mortgage was with XXXX beginning in XX/XX/XXXX. In XX/XX/XXXX an auto accident led to my getting a couple of months in arrears on the mortgage to pay for the next auto acquisition and related fees. In XX/XX/XXXX XXXX notified me that my mortgage had reached a point that my PMI would cancel once my payments were current. In XX/XX/XXXX XXXX transferred the servicing of my mortgage to Bayview Loan Servicing and they began foreclosure on the property. I managed to acquire a loan that I used to get my mortgage caught up in XX/XX/XXXX. Since then I have been in contact with Bayview several times regarding this issue. Each time the response states that I do not have a twelve month history of on time payments. Attached are several supporting documents. Thanks for being there to help us folks out. XXXX XXXX XXXX XXXX XXXX
03/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30013
 Web Older American
My account was transferred from XXXX to Bayview effective XX/XX/XXXX.At the time I had an excrow excess of {$1900.00}, On XX/XX/XXXX I called Bayview and spoke to XXXX XXXX and his superior regarding the escrow. I was a month behehind in the amount i of {$930.00}. It was agreed that this would be deducted from the escrow excess which would leave a balance of {$1000.00} owed to me, I was instructed to call customer service, which I did a week later. I spoke to XXXX ( he refused to give his last name ). In speaking to him, he gave me incorrect information, regarding my account. I was told the the trasfer had been made, however I have yet to receive the escrow balance. I have spoken to several people at Bayview and in each instance I have had to literally argue to correct misinformation regrding my account.I am frustrated and believe delaying tatics are being used to delay or deney the return of the escrow ( I was told that my escrow balance would take 30-60 days to be returned. Is the the norm?
08/28/2018 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • MO
  • 64052
 Web
After questioning the validity of the mortgage debt since they were not shown as active on my MIN number recorded by MERS ( Mortgage Electronic Recording Services ), XXXX could not explain why they were inactive on my NOTE and sold the claimed debt to Bayview Loan Servicing LLC on XX/XX/XXXX. Current MERS search reveals that XXXX was inactive on my NOTE MIN number since XX/XX/XXXX ( See attached document ). Bayview Loan Servicing LLC has been trying to get personal information from me but I have insisted that they validate this debt. They sent me a packet filled with old statements, photocopy of the NOTE ( which they do not show up as servicer of the claimed debt when I searched the MIN number on the NOTE on MERS ). Bayview has sent me letter of intent to accelerate foreclosure when they are not able to validate this claimed debt. I need them to validate this debt by providing a NOTE that shows them as a servicer of my MIN number and a Bill to the said account so as to confirm the default.
10/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92606
 Web Older American, Servicemember
This is the FOURTH time this complete loan mod file has been sent to Bayview. I will be filing further complaints against Bayview with the OCC and the CFPB as Bayview clearly is not reviewing the modification accurately. This is a XXXX-year woman in fear of losing her home with nowhere else to turn. She qualifies for a modification if Bayview could accurately underwrite the file and stop asking for erroneous information that does not apply to this account. THERE ARE NO PAY STUBS STOP ASKING FOR THEM SHE IS ON SSI AND SELF-EMPLOYED XXXX XXXX IS NOT ASSOCIATED WITH THIS LOAN STOP ASKING FOR HIS INFORMATION ON THE RMA This may be under the umbrella of elderly abuse, as these documents have been provided repeatedly and no one is reading them, as the same documents are requested over and over and over again. I will take it up with outside agencies as I have had enough of Bayviews incompetenceit is appalling and you should be ashamed of yourselves. XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX
09/09/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 43302
 Web
Our loan was sold to Bayview Loan Servicing , LLC from XXXX XXXX XXXX while we were undertaking a loan modification. We have made our 3 monthly trial payments ahead of schedule. We went to apply for a car loan and were shown our credit report. We discovered at this time that Bayview has reported to XXXX, XXXX, and XXXX that our mortgage is 90 days delinquent and that we also have a XXXX and XXXX mortgage ( which we have never taken out period! ) We are unable to attain a vehicle at this time because of this issue and did contact Bayview Loan Servicing , LLC, namely XXXX XXXX, after discovering this. After many attempts at making contact we finally were able to reach him the next day, in which he had stated that he had never seen a situation like ours before. He stated that in his computer, it had shown that we were, in fact, not delinquent on any payments but showed that we had multiple mortgages. He said he would contact us the following day with a resolution but has yet to make contact.
02/28/2017 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • NJ
  • XXXXX
 Web
Because of the illegal selling of my mortgage to Bayview Loan Servicing I receive phone calls from the customer services I had made it clear I do not know this company nor what to business with them XXXX and Bayview went to the table to benefit themselves without me they should n't be call me contact my realtor trying to find my tell the realtor that the bank has they own realtor company this is not my business the realtor text me this number XXXX XXXX who again I do not know because of this illegal sale I receiving advertising mail from the following attorney office the names are XXXX XXXX XXXX XXXX, NJ XXXX XXXX, Law Office of XXXX XXXX XXXX Because of this illegal sale of mortgage I 'm being harassed and my mailing address is made public and long with my personal business the Bayview Loan Servicing do have the right to tell me that they will be showing my house no have right to enter my home without my permission please ensure that my United States Civil Rights and not being valdated
11/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 471XX
 Web
My home loan was going to reach maturity date but was not going to be paid off. Bayview loan offered to modify the loan where the payments would be reduced to {$190.00} with the first payment due on XX/XX/2019 and then due on the first of each month. I was advised no payment was due in XXXX due to the modification. Bayview continues to send " get back on track '' offers. They call my husband and me multiple times a day. When I call them they advise me I owe for 4 months as I am 4 months behind. But then I confirm I am not four months behind. The " speciality dept '' says the " regular '' dept has not been trained and they are not able to help me. However, they keep reporting my loan late to the credit bureaus. My loan has been current for months and yet they just recently reported it 90 days late when it is not. The telephone calls, late notices, foreclosure notices and the major hit on my credit report is unacceptable. I am current on my loan but they refuse to update their system.
09/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • XXXXX
 Web
I have been paying off my mortgage to XXXX XXXX ( XXXX ) the original provider in a regular, automatic fashion. From about the beginning of this year Bayview Loan Servicing have been sending me letters demanding that I pay the same mortgage to THEM. I sent them several letters explaining that their demands are senseless, but they would not listen. ( There was no authorization from mortgage provider to switch. ) They are threatening with foreclosure. They ruined my credit rating and prevented me getting a loan. In about XX/XX/XXXX the provider stopped collecting from me. I then switched payments to them. For some reason they are pretending not to receive those, even though XX/XX/XXXX and XX/XX/XXXX have been marked in my XXXX account as PAID. I am enclosing one of the typical letters. The person just designated to look after my account is XXXX XXXX, tel XXXX XXXX XXXX, email : XXXX They keep acting as if had no money to pay. This is not the case, I simply don't want to pay fwice.
05/14/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 290XX
 Web Older American, Servicemember
I was in the process of having my mortgage re-negotiated with XXXX XXXX when my home was lost in a fire. I owed at the time {$130000.00}, I received an insurance check for {$190000.00}. I had plans to rebuild. I learned that XXXX turned the mortgage over to Bayview Mortgage and the {$190000.00} disappeared and this has left me with out a home. I have made many attempts to find out where the money went because there was a second mortgage on the house and it was not paid, I'm paying it right now. The check was made out to XXXX, myself, XXXX XXXX., and I can't get an accounting of where the money went and why my home was not rebuilt. I did pay an attorney {$3000.00} to look into the matter but he has ripped me off also. He will not answer his phone. It was XXXX XXXX XXXX in XXXX, NJ. I'v tried reaching him many times. I just want someone to tell me where the money went. I'm retired after 34 years of XXXX XXXX. and my husband served over 20 years in the XXXX. I just want some answers.
05/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DC
  • 20008
 Web
Bayview Loan Servicing, even while knowing that the information that they have on our mortgage account is incorrect, sent in this wrong information to the credit reporting agency, causing our credit scores to plummet at the same time that we are attempting to refinance our mortgage loan. Bayview has incorrect information about our property tax escrow account -- we had already appealed this information and had the corrected tax documents sent from the District of Columbia to XXXX XXXX ( who previously held our mortgage ). Bayview bought this mortgage, ignored the corrected tax information, and then reported out accounts as delinquent. We contacted Bayview immediately upon learning that their information was incorrect, but they still went ahead and reported the account delinquent to the credit reporting agencies. We are attempting to refinance our mortgage, however, Bayview 's actions are causing us both direct financial harm and preventing us from leaving Bayview 's portfolio.
07/12/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Have to keep complaining, Bayview never responds back or mail any letters about modification. Finally received copy of loan documents, said need XXXX XXXX on modification paperwork even though, XXXX XXXX has power of attorney for mortgage, stated didnt want assumpiton loan, faxed in all paperwork XXXX-XXXX-2018 with both our information, no one calls no one sent letter saying missing paperwork like other companies and there is a process for customer BILL OF RIGHTS! Always have to complain to get any results from Bayview, number to call says XXXX and XXXX reps never answer goes to voice mail says hit OPTION to speak to rep going to voice mail always ask to leave a message, left a message XXXX-XXXX-18 and still no call back! Bayview doesnt follow the procedures for California laws! Rep gave me fax of XXXX and XXXX where does paperwork go? Want modification done have complied with everything and have proof of many faxes! AND USED MY LOAN NUMBER DIDNT SHOW UP IN AUTOMATED SYSTEM!
03/31/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 074XX
 Web
I have been in a loan modification for well over 8 months with Bayview Loan Servicing and they have been jerking us around and not returning phone calls and as of now they ca n't locate a check that was sent ( certified and signed for by them ) at the beginning of the month, their response was they see it was received, they will look into it trying to locate it and get back to us. They are consistently inconsistent. Every month a check has to be sent over night with a tracking number which costs an additional {$20.00}. Wrong information is continuously being sent by Bayview. There are too many inconsistencies and " mistakes '' on their end. The issues are now compounding each other. We should have been out of modification about 5 months ago and able to handle all transactions with XXXX ourselves but we and our mortgage are being held hostage by Bayview. Instead we go from person to person even supervisors and nothing is getting resolved and all of our questions go unanswered.
07/31/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75115
 Web Servicemember
In a divorce decree the court order states that XXXX XXXX XXXX was awarded the home. He should EITHER refinance or assume the loan in his name only. XXXX XXXX and XXXX XXXX divorced XX/XX/2016. Since then XXXX XXXX changed name back to maiden name XXXX XXXX. I, XXXX XXXX have petitioned the mortgage companies several times throughout the years and it has been a dead end at every attempt. My name is no longer on the deed and yet I can not get my name off of the mortgage. Mr XXXX can not refinance because his credit score does not meet the minimal requirement and yet I a held XXXX to a mortgage that I am no longer the owner and my name is not on the deed. Essentially, I am being held XXXX to a home that I no longer own. When I present the divorce decree to the mortgage companies it is ignored. They just tell me to refinance which he can not. I can not move on with my life in the purchase of my own home because it affects my credit scores when Mr XXXX is late on a payment, etc.
10/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10024
 Web
RE : XXXX XXXX XXXX, XXXX, MA, XXXX The mortgage is now with Community Loan Servicing LLC, and they are attempting to foreclose. Community Loan servicing sent me a letter on XX/XX/XXXX, reference XXXX, that foreclosure proceedings would be started if XXXX XXXX ( also on the title of my home and responsible for paying the mortgage, on the note ) does not contact them. Attorney XXXX XXXX XXXX submitted in writing a document to XXXX Court, signed on XX/XX/XXXX, stating that his client, XXXX XXXX had been paying his mortgage. There is no contact from XXXX XXXX or from XXXX XXXX with additional information. Furthermore, there have been a number of forced entries in to the home and the XXXX Police have repeatedly refused to file reports. This occurred again on XX/XX/XXXX, even after a police officer stated that a window was open at the house during an investigation after an XXXX alarm went off at XXXX XXXX. Someone appears to be watching the house. Regards, XXXX XXXX XXXX
05/25/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 194XX
 Web
This is continuation to the first complaint made about Community Loan Servicing. There are still payments that have not been applied to my loan. My online account has also been blocked and I am no longer able to make payments online toward the principal since XX/XX/XXXX. I tried contacting XXXX XXXX and he has not responded. I spoke to one of the customer service representatives and they were very helpful and trying to get my questions answered. Issues to be resolved. 1. Still showing applied principal payments 2. Not able to make any payments online on my account 3. Requested Amortization Table with current scenario. Please advise! . visit www.communityloanservicingcares.com. public-header-image-one Header Payments Documents Request for Assistance Help Profile Log Out Make a Payment Auto Pay Payment History Manage Accounts Unable to make a payment Sorry, currently you are unable to make an online payment. Please contact Customer Relations at XXXX XXXX XXXX XXXX.
07/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30518
 Web
Since Bayview took over the mortgage from XXXX XXXX company in 2018, there have been issues with Bayview not applying payments, adding " fees '' that are not ( in my understanding ) appropriate, and then sends letters stating that I am behind, when I am actually paying based on the figure settled with XXXX ( {$400.00} / month ) plus additional to cover any late fees. In XXXX, just after I separated from employment with XXXX XXXX, Bayview began sending letters stating that I was approximately {$1600.00} in arrears, even though I had had been paying monthly ( again, based on XXXX 's amount ). I viewed my Bayview account online today to see where Bayview actively held some payments, and applied others. Attached are documents showing the payments via XXXX XXXX bill pay, and additional documents ( submitted to Bayview ) showing a hardship that should resolve in the next two weeks ( car accident in XXXX prohibited my gaining new employment whilst receiving chiropractic care ).
05/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85635
 Web Servicemember
Bayview Loan Servicing is the mortgage company. They have put " forced '' homeowner 's insurance on the loan. Despite the fact that I have provided proof of homeowner 's insurance through XXXX XXXX XXXX XXXX proof was faxed in XXXX to both their insurance and customer service departments ), made a follow up phone call in XXXX XXXX they stated they were " still reviewing '' ), the forced insurance was still on the XXXX invoice, and now I am in receipt of the invoice for the XXXX payment and the forced insurance is still present. This is over {$200.00} in forced insurance fees that should not have to be paid. I sent a letter on XX/XX/XXXX both electronically and via regular mail advising that if the forced insurance was still present on the statement for the XXXX payment a complaint would be filed. The letter also contained, yet again, a copy of the declarations page for the XXXX XXXX policy. Bayview has made no attempt to rectify this or reach out and discuss the matter.
08/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • FL
  • 33029
 Web Older American, Servicemember
Account # XXXX XXXX XXXX XXXX XXXX On XX/XX/2020 we sold our home, which Bayview Loan Servicing was servicing our mortgage. At the time of the closing, we had {$5500.00} in an escrow funding account for taxes and insurance, which is to be refunded to us, as of the date of the home sale. We have contacted Bayview Loan Servicing multiple times, regarding our refund. They acknowledge the amount to be refunded. However, as of today, we have not received our money. Bayview Loan Servicing keep sending us letters that they have refunded our money. Yet, we receive those letters, but, have yet to receive our money. We are requesting our {$5500.00} which is owed to us by Bayview Loan Servicing. This company has been nothing but trouble throughout the life of our mortgage. They have very poor customer service, and are rude at times. We are a retired couple ( over XXXX ), seeking to get our money from our escrow account. Thank you for your prompt attention into this matter.
08/21/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 306XX
 Web
Bayview loan Servicing/Community loan Servicing are refusing to grant me COVID-19 RELIEF! I AM NOT BEHIND ON MY MORTAGE I called them on XX/XX/2021 and requested forbearance Bayview/Community LOAN SERVICING HUNG UP THE PHONE ON ME TERRIBLE CUSTOMER SERVICE TYRANNTS YES THEY ARE XXXX THEY ARE OUT OF CONTROL JUST MEAN TO CONSUMERS! THE GOVERNMENT OWNS FHA AND HAVE ALLOWED THIS SCUTINY TO CONTINUE ON OUR TAX DOLLARS! WE THE PEOPLE DESIRE AND DESERVE BETTER! i WANT RELEIF WITH OUT DESTRIMINATION! WE THE PEOPLE ARE THE POWER WE ARE PAYING THESE GOVERNMENT HIRED XXXX TO XXXX US HERE IN XXXX FIRE THEM ALL! FOR XXXX XXXX BAYVIEW LOANS ARE BEING SUED LEFT AND RIGHT BY THE SAME GOVERNMENT THAT HIRED THEM! CONTINUING TO CHANGE THIER NAME THEY ARE XXXX THE GOVERNMENT HIRED TYRANNTS! THAT IS WHY THEY CONTINUE! REMOVE XXXX/BAYVIEW/XXXX/COMMUNITY AND ALL OF XXXX OTHER NAMES FINE AND PENTILIZE THEM FOR NAME CHANGING XXXX DOLLARS FOR NAME CHANGE AND THEN THIS NONSENSE WILL STOP!
04/01/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30038
 Web
On or about XX/XX/XXXX I received a streamlined loan modification trial {$3200.00} from Bayview Loan Servicing. I successfully completely the 3 month trial by paying {$3200.00} before the due day XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. I was told not make another payment until I heard from the new service company Shellpoint because the Service rights were transferred XXXX.I made my XXXX payment on or XX/XX/XXXX to Bayview. I called Bayview they informed me that my modification trial was successfully completed and the new service company would continue with my modification which was 187 additional months. I received a welcome package and a statement saying make of about {$2200.00} to be paid XXXX XXXX. I called 6 times to inquire about my modification agreement and I didnt hear back from XXXX XXXX. I received a Notice of default dated XXXX XXXX and no modification. I called Bayview and the said everything was sent to XXXX XXXX and they would honor the modification.
05/24/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 782XX
 Web
My mortgage loan was transferred to Bayview Loan Servicing LLC in XXXX 2017 for a modification application. I was told by Bayview representative in XXXX the process would take 30 days or less for underwriting to make a decision on my loan modification. We are now several days from XXXX , yet no one from Bayview has contacted me either by email, mail, or phone call about the status on the loan In weeks. In the meantime, I tried making a mortgage payment but my mortgage company said I had to make payments directly to Bayview. When I called their automatic phone service, I was n't Able to make a payment. I 've left many phone messages, emails, and letters by mail asking them to call me for an update, and explaining how to make my mortgage payments. I have n't heard from anyone from Bayview. My credit report shows late payment from mortgage. Also, I mailed a check for payment to XXXX Texas address but payment was not applied to my checking account on time.
03/04/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • ID
  • 836XX
 Web
In XX/XX/XXXX Community Loan Servicing said that I had contact them to do a modification on my loan so they started the process of that which begins with a house appraisal. I contact them and said that it was a HUGE MISTAKE, I didnt asked for that, my payments were and are up to date. Last time I was late on a payment was in XXXX. The result of this mistake is that according to them I have to pay for the paper-work related to the loan modification, the one that I did not requested!. In XX/XX/XXXX I was finally able to talk to XXXX XXXX who is my account representative and said that the charge was going to be removed. Today in XXXX The charge still showing in my statement and when I called I was told that the charge cant be taken off and that my representative couldnt talk to me. I had to be put on hold for over an hour and be transferred to three different people just to hear that answer. Why do I have to pay for their mistakes?? I really need help with this!
05/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
This information is for the XXXX XXXX XXXX XXXX. As you can see the title from XXXX county court shows that there are 2 joint tenancys. XXXX XXXX XXXX, and XXXX XXXX XXXX.If the XXXX XXXX XXXX would read the information provided out of a Colorado Law Book there is no probate and they have done no favors due to the fact that XXXX & XXXX are the owners XXXX is not a third party. Maybe the XXXX XXXX XXXX should talk to an intelligent attorney that understands the law. There can also be a Chapter XXXX Bankruptcy filed and asking for damages with the Judge since the people at Bayview are complete idiots. Read the Law and see that there is nothing that needs to be probated and since you have been held in Contempt in Bankruptcy before this should not be a problem. These People can not say yeah we made a mistake they would rather lose millions of dollars and I am just waiting for the XXXX XXXX XXXX to send another stupid letter. Looking forward to meeting her in Court.
12/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19702
 Web
I received a statement dated XX/XX/19 stating my payment was $XXXX, I then received a statement dated XX/XX/19 stating my payment would be $XXXX. I called for clarification on XX/XX/19 and spoke with XXXX he explained something about an escrow shortage of $XXXX and a rec. Corp fee of $XXXX which came to a total of $XXXX. Although it wasn't explained clearly and I had to pull teeth to get an actual number, I paid the total of $XXXX escrow and fee shortage. I then receive a statement on XX/XX/19 showing my payment is $XXXX and the $XXXX payment is showing on the statement as unapplied funds. I called again on XX/XX/19 and was told the $XXXX payment was applied to the mortgage, instead of an escrow payment even though the check clearly stated escrow and rec. corp payment on the check. I then received another statement dated XX/XX/19 stating my payment is $XXXX. I still haven't been able to speak with someone who can tell me what my next payment will be and why?
07/24/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30263
 Web
Refinanced mortgage with XXXX. Closed on XX/XX/2017. Title company sent old loan company payoff amount on XX/XX/2017, that was several hundred dollars more than needed to payoff mortgage. It has been more than 30 days. Old loan company refuses to return my overpayment, has repeatedly lied about the amounts and details when speaking with me, and now has stopped giving me updates as promised. In short, they owe me several hundred dollars in over payment, now owe me interest from XX/XX/2017 on that amount, and are causing me pain and suffering. I have spent hours trying to get them to supply documentation and refund, to no avail. Bayview should not be allowed to stay in business and commit acts like this upon consumers. Old Loan Servicer : Bayview Loan Servicing , LLC ; XXXX XXXX ; XXXX Closing Company : XXXX XXXX XXXX ; XXXX XXXX ; XXXX Amount Paid : {$100000.00} Required Amount for payoff : {$100000.00} Date refund should have been received : Prior to XX/XX/2017
12/21/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33314
 Web
XXXX XXXX I became XXXX and approved on XXXX XXXX. XXXX XXXX foreclosure avoided, renegotiated loan with Bayview Loan servicing. House appraised at {$71000.00}. I got the house back for {$100000.00} with {$45000.00} pushed back to end of loan so I could qualify and make mortgage payments. Bayview officer came to my home to sign one document. XXXX XXXX XXXX I applied for mortgage susp for XXXX months to do repairs after Irma. Bayview responded by selling mortgage to XXXX servicing and no suspention of payments. XXXX rep refused susp of payments. XXXX servicing read the contract to me over the phone and sent a copy. I have never seen or agreed to part two of contract. They are adding {$45000.00} to the loan for late fees and interest that were waived in renegotiation. Back in XXXX I had a choice between taking a {$30000.00} payment and moving or to renegotiate loan. There is no way I would pay twice the value of the house. That 's why it was reappraised.
06/03/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • FL
  • 347XX
 Web
Bayview Loan Servicing charge extra interest including unsubstantiated fees to payoff loan when loan was re-financed to XXXX XXXX. The principal outstanding was : {$300000.00}, however interest of {$2300.00} was added on although this interest only loan 's monthly payment was already made and some additional charge ( fee ) of {$660.00} was added in. I received a check from Bayview for only {$350.00} leaving {$2700.00} to still be refunded. I contacted Bayview several times starting on XXXX/XXXX/2016 but have received no response. From the attached payoff letter sent from Bayview to XXXX, you can see they have added in interest again on the loan ( {$2300.00} which the calculation does n't even add up ) of which this interest was already paid ( The refinance closed on XXXX/XXXX/2016 ) You can also see that there is a {$660.00} amount added on which violates the mortgage agreement as there is no condition that occurred that should have imposed such a fee.
04/17/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44024
 Web
My ex-wife 's late mortgage information ( 12+ months past due ) has been incorrectly put on my credit report! We refinanced a home through XXXX XXXX, then we divorced and I filed bankruptcy. In the documents I will attach, it clearly shows that this mortgage amount was discharged by the bankruptcy, and this is also in the divorce decree On the bankruptcy petition - see page 20, XXXX XXXX mortgage for {$68000.00} was included in the bankruptcy filing On the divorce decree - see page 17, Exhibit 1, under division of property On the attached credit report shows that this negative information has been put on the XXXX and EXXXX credit bureaus, but looks like not on XXXX. I have had a XXXX Ohio company, XXXX XXXX XXXX, send official documentation to XXXX XXXX ( actually now Bayview Bank, who, when I called them took over the mortgage when it got many months past due. ) XXXX contacted Bayview approximately XX/XX/2020. Still no response from Bayview to date
01/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33825
 Web
Bayview loan Servicing llc has added XXXX to my Mortgage that was sold to them by XXXX XXXX XXXX who did foreclose on me in XX/XX/XXXX.I filed for modifaction in XX/XX/XXXX and was denied stating I failed to return documents 4 times I needed that modafication my spouse XXXX XXXX do to injury 's from XXXX.I did the modifaction with Bayview with the interest rate the same 7.25 % for 45 years I had already paid for 16 years my balance was XXXX.I Have paid them for 2 years always ahead not behind. I provided a lot of evidence to the credit Company 's as of XX/XX/XXXX the credit Company 's have deleted Bayview Loan Servicing llc from my credit file.I 'm paid up till XX/XX/XXXX.Also they sent me 2 XXXX tax forms one under my info and another one under my name along with my XXXX Spouse under XXXX XXXX XXXX XX/XX/XXXX.If you could please help me I have no funds since Irma.Much respect.I DO NOT OWE XXXX .XXXX SHOWS ON CREDIT REPORT PAID 100 % OF MORTGAGE.
11/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 94103
 Web
Bayview Loan Servicing currently holds my mortgage, I requested a loan modification and they denied it because they claim that I defaulted on a modification in the last 12 months but I have not had a modification in the past 12 month my modification was almost 2 years ago. They only allow me to speak to one dedicated representative who is never available and when I try to schedule an appointment with this person, no appointments are available. I have sent at least 5 email and left at least 5 voicemail to the dedicated representative and have not received any response. I have also requested an appeal of the modification they just rejected and to be placed into a Forbearance and Bayview has not responded to either request. This is starting to feel like predatory lending. I have a lot of equity in my home and I don't want to loose it, I have been making my payments but they are not being applied to my loan, even though they are accepting the money.
07/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 16801
 Web
XXXX has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted XXXX immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). XXXX 's customer service has been atrocious, XXXX clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.
11/05/2017 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • MD
  • 217XX
 Web
I filed a complaint with CFPB on XXXX, XXXX, linked to fraudulent practices by Bayview Loan Servicing and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Enclosed are copies of correspondence with Bayview informing me they would research my issues and respond by XXXX XXXX, XXXX. I received a certified letter dated XXXX XXXX, XXXX form the XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This firm represents Bayview Loan Servicing .The letter informed us our home will be auctioned off on XXXX XXXX, XXXX. Also, I have enclosed a copy of the XXXX XXXX, XXXX newspaper publishing the sale. Therefore, apparently Bayview Loan Servicing and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has chosen to ignore the CFPB. Likewise, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has sent copies of this notice to our Town Hall and to two creditors from 7 years ago. I believe XXXX, XXXX XXXX XXXX XXXX XXXX and Bayview loan are now inflicting additional distress to myself and husband.
03/06/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 10303
 Web
My name is XXXX XXXX my social security number is XXXX I have a mortgage loan with bayview loan servicing my loan account number is XXXX the customer service number is XXXX XXXX XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX .my complaint is that I'm two payment s behind I asked them to go on a repayment plan. They told me that I have to make a payment for XXXX .in which I did then allow sudden they tell me that I have to put more money down like XXXX dollars. I ask them can they accept the payment I made recently for XXXX. I only now owe XXXX and XXXX payment.. Can you please talk to bayview loan Serpvicing to see if they will process my repayment plan with the payment I made recently. I'm trying to work with them. But they won't more money down I'm only two payment s behind since I made XXXX payment. I'm trying to prevent any foreclosure from happening. I'm not in any danger now. Just two payment s behind
05/29/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IA
  • 52806
 Web
I had a modification with Bayview Loan Servicing, I completed the trial payment period making all payments on time. As I was waiting on them to convert the mortgage to a conventional loan they did a title search were they found a lean for child support. This Lean is not valid and was not found by other title searches done on this property, or other mortgages that I have had. I even have a court order stating that I didn't owe child support, which they said did not prove anything. Bayview also will not return phone calls, or even make contacts with me about my modification. I have also received a letter stating that they are reconsidering my old modification based on the court document, and a decision was to be made by XX/XX/XXXX. As of today XX/XX/2018 there has been no decision. I believe that they are using stall tactics to take my house, and violating the modification law. I have also filed a complaint with XXXX XXXX pertaining to Bayview.
09/10/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 129XX
 Web
my mortgage was sold to bayveiw loan servicing about 14 months ago they doubled my payment because they miscalculated my escrow I was told to fax a letter requesting an escrow analysis I did and they said 30 days later they did not receive the fax It took almost 8 months to get it straighten out They would not allow me to talk to the escrow dept. XXXX XXXX I switched checking account and faxed them letter and voided check on new account and now XXXX they again have no record of it. They tod me in the beginning I could not e-mail the info and now they tell me I can they also will take the new routing # and account # over the phone but will not stop the payment from the old account. They are making it hard for me to make payments on time and there customer service is to there advantage I 'm paying fees for there lack of customer service and also there reporting late payments to them when it is there service that is causing payments to be late.
04/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11554
 Web Older American
Please find this message as a formal written complaint about Community Loan Servicing, LLC. On many different occasions, I've used Community Loan Servicing , LLC 's front-facing payment system to make additional payments to my mortgage loan. The system allows you to split the payments to your preference. Multiple times I've had to call the company because they failed to apply my payments as requested. I am very frustrated with their mismanagement. Their system appears to be very deceptive ; allowing one thing but yet doing another. I would like Community Loan Servicing to honor my payment requests. Currently, I notice in my suspense account there is a balance of {$5400.00}. Based on the RESPA rules, this should have been directly applied to my periodic payment of {$2400.00}, which it has not. I would prefer since I am up to date on payments, to have this applied to my principle. Please have someone help me. Best, XXXX XXXX XXXX XXXX
03/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 23185
 Web Older American
In XXXX of XXXX my wife and I contacted Bayview Loan Servicing for a loan modification to our loan payments. That request was denied in XXXX of XXXX stating that our debt to income ratio was to high. However Bayview instituted a repayment plan that went into affect in XXXX of XXXX which increased our monthly payment from {$1500.00} per month to {$1900.00} Due to my wife 's illness and diagnosis which began in XXXX and stills continues to now I contacted them in XXXX of XXXX to get some relief with our mortgage payment and they agreed to a one-time payment of {$1700.00}. I contacted them today, XX/XX/XXXX for some help and was told that there was nothing that they could do. If we had a COVID 19 situation, they would consider a ( 3 ) month forebarence but after the ( 3 ) months all payments would need to be caught up. This company represents investors only and as far I've expericiend they have not done anything to help me and my wife,
12/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20774
 Web
After undergoing several hardships over the past XXXX year to include family XXXX, my XXXX XXXX XXXX XXXX, several treatments of XXXX, to include a XXXX XXXX XXXX and subsequent hospitalizations from being ill, I fell behind on my mortgage. In pursuit of obtaining a loan modification and placing the arrears on the end of the loan, I hired an attorney to represent me in saving my home from foreclosure ; however, I was not notified of the foreclosure until after the sale. Currently, I am still undergoing treatments under hospitalization and enduring a significant amount of stress from not knowing the current status of my home. I have repeatedly called the lender ( Bayview Loan Servicing ) and XXXX XXXX and have not received any concrete information from them but have subsequently received an " IMPORTANT NOTICE ABOUT EVICTION '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Email : XXXXXXXXXXXX.
09/30/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 93001
 Web
I ( co-borrower ) am currently applying for a modification with Bayview Loan Servicing. My file was under review, until I was notified by the underwriter that I must remove the primary borrower ( quit claim deed ) in order to proceed with my modification request. This to me seems to be unethical, that in order to continue the review for a modification my wife must relinquish her rights to the property per the hardship. Our current hardship is that we have legally separated. We both agreed to work on resolving the mortgage issue as we are both responsible for the loan. We have provided proof to our servicer that my wife ( borrower ) is not contributing to the household income. Yet this did not satisfy the servicer. The servicer is now requesting the removal of my wife from title, through a quit claim deed, so that my file remains under review. Please help us to determine if in fact this is truly a requirement for a modification review.
11/12/2020 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • XXXXX
 Web
1. My mortgage is current, as of XX/XX/2019, but the monthly statement still shows that I am one payment behind. 2. Mortgage Amount always is paid on time, but is placed in 'Suspense ' each month. 3. Administrative fees of {$37.00} is charged each month. 4. Can't work to get it resolved as they do not return calls nor do I have a specific department or person assigned to my account. 5. Original records transferred by XXXX XXXX XXXX to former Bayview Loan Servicing, now Community Loan Servicing ( same company, different name ), contained errors such as the following ... 5a ) Incorrect property tax owed when it was paid in full, on time. ( Proof was submitted ) 5b ) Incorrect property insurance amount owed when it was fully paid and on time. ( Proof was submitted ) 5c ) Forced Escrow - however the Property Tax was taken out after my first complaint. Bayview prepaid the home insurance ; it is now included in the payment amount.
08/04/2015 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • HI
  • 96761
 Web
I previously submitted a complaint on same company in XXXX ( case # XXXX ) I received letter from creditor on the case # for Bayview Loan Servicing stating they would discontinue all collection Activity on the loan ( DISCHARGED ). I have now received a billing from them again for change of my mortgage interest rate and that I owe {$5000.00} that is due XXXX XXXX, XXXX. I spoke with Bayview this afternoon and they said I will have to send them a letter and documentation to show the mortgage account was include in my bankruptcy ( Chapter XXXX - XXXX ). they were suppose to have all this information and correct their records back in XXXX as per my case # XXXX. THIS IS A DISCHARGED DEBT .... CREDITORS WHO VIOLATE THIS ORDER CAN BE REQUIRED TO PAY DAMAGES AND FEES TO THE DEBTOR ... Do you need me to submit all the documentation again? they need to stop, HOW MANY TIMES DO I HAVE TO CONTACT THEM AFTER WE TOOK CARE OF THIS IN XXXX.
12/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33313
 Web
Bayview Loan Servicing , LLC bought my mortgage from XXXX, since after the transfer, the employees from Bayview always try to over charge me. When I called them to discuss a charge that they imposed on my account, they can not give me any answer, they try hard to get me confused so that i will not have no choice but pay the amount they ask me for. they don't know how to fix any problem. couple months ago they asked me for proof of hazard insurance. I emailed that to them since XX/XX/2019, then called to make sure the document was received. Even though after they received it, no one cares to update my file instead they sent me a bill of {$550.00} escrow shortage. they pay my taxes of {$460.00} they misused my escrow money so that they can over charge. my escrow money should not be used to pay for hazard insurance because the insurance is paid by my HOA. I sent Bayview the proof of hazard insurance, they still demand that I pay extra.
03/31/2019 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 32904
 Web
I have been dealing with Bayview loan services for approximately 3yrs now since they bought my Mortgage from XXXX. I fell behind on my Mortgage when I was laid off by my employer. I have been in a modification program with Bayview and during this time I've had difficulty contacting them to make my monthly payments. I've spent days trying to contact Bayview to make my trial modification payments. Just recently they refused to take my monthly payment stating that they were missing a signed document. Mind you I've been making payments on the modification up to this point. Because they refused the payment it voided my modification program and now Bayview is filing for foreclosure on my home. How is this legal? I was approved for the modification program by Bayview and had been making my monthly payments on time and they randomly refuse my payment. How can I save my home? I don't want to sell my home nor do I want it to be foreclosed on.
04/22/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77015
 Web
I've recently began applying additional payments to my principal and the servicing company has done a poor job of applying it correctly, without me having to call and reinforce that the payment was sent to the principal. I've used the app/website each time to apply it and chose principal ONLY payment each time. They have either sent it to the suspense account or applied it to my monthly mortgage payment. XXXX {$2000.00} to Principal only and they put it in the suspense account. I called XX/XX/XXXX and the agent put in a research to have it moved. XX/XX/XXXX, and XXXX, it still hadn't been moved. On the XXXX, I got the same agent from the 1st time. He researched again. On the XXXX, I got another agent who saw the notes and put in another research. Today, XX/XX/XXXX, still no change. It says next payment due XX/XX/XXXX, with {$220.00}, sitting in my suspense account. This also happened in XXXX when I applied an extra {$1000.00}.
04/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 194XX
 Web
Community Loan ServicingXXXX Loan # XXXX - Call Community Loan Serving at ( XXXX ) XXXX I've been making weekly payments of {$250.00} online on their website and each time I have made the selection for " additional principal payment ''. In the payment history it states that those payments are in a suspense status. I called and spoke to a nice customer service representative and I was told that she would manually apply them to the principal on the corresponding dates. She said that I would see this in 2 business days and the status has not changed. I am concerned because I've read that some mortgage companies try not to apply these additional payments to the principal and the whole purpose of me doing this is because I'm trying to save on the interested and hopefully knock years off my loan. see below : Payment History XX/XX/XXXX {$250.00} XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XXXX XXXX
09/08/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 95205
 Web
I XXXX XXXX XXXX, need help with my home, we complied with all the requested documents sent for modification to Bayview Loan Servicing. We were told we did not qualify. We confided in a person from XXXX and we were told to take our documents we did we had n't heard from this person who told us everything was fine do n't worry we waited and waited. we decided to go to the office and we were told this person no longer worked there. Now we are facing pre-foreclosure we have XXXX children and no where to go we sent letter to Bayview please help us save our home. My wife lost her business work was slow for me. Now I am the only wage earner we are struggling we want to save our home please help us. If we knew this person was n't doing anything to help us we would have struggled our best to pay our mortgage and not fall into default. Please help us. Now we have someone helping us gather all the documents together and making copies.
04/13/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 94605
 Web
I was approved for a Home Affordable Unemployment Plan ( HAUP ) with my service provider, Bayview Loan Servicing for 6 months. In the meantime I also requested a loan modification to reduce my mortgage payments. I was told that while my modification would be in review to keep paying the reduced mortgage payments under the HAUP plan. I was denied the modification and was then told that the HAUP agreement was no longer in effect as a result of the modification being denied. I was never told that the HAUP would be cancelled if I did not get the modification I requested. I continued to send in the " reduced '' payments under the HAUP agreement as I 'm still unemployed. I have been charged late fees on my account when I am not late on my payments, my monthly statements are never accurate and I continue to get calls every month regarding the same issues of " nonpayment '' on my account when I make the payments on time every month.
04/20/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 08865
 Web Older American
I am behind on my Mortgage payments, I have had poor-paying jobs for a few years, plus mental and physical health issues. Since end of 2016, I have tried to work with the Co, to resolve some title issues on my property. I understand that I have the right to request the complete closing docs, from the original closing ; but the Mortgage Co has been very slow and in-cooperative with my request for docs. Finally, after several verbal requests, I was informed to put a request in writing, which I did. Now there may be a Sherriff 's sale on m y property, while I am still being delayed by the Mortgage Co, over my requests for info. I shall probably go forward with the Dee d in Lieu of Forec losure, since I am running out of time, caused directly by the in-cooperative movements by the Mortgage Co. Please advise if I have any leverage over the Mortgage co. wa sting so much of my time. I do not have any money for an attorney.
03/03/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21228
 Web Older American, Servicemember
Greetings, Re : Community Loan Servicing : Mortgage Fraud I purchase my home XX/XX/XXXX and Paid it Off. XX/XX/XXXX Community Loan Servicing, LLC sent me a new Mortgage Loan in the amount of {$110000.00} from their company. they appear to be using fraudulent information that's not there's. My wife and I was victims of Identity Theft # XXXX and was documented with a police report. They appear to be using fraudulent information that's not there's. However, I never refinance nor applied for a Mortgage with this company ever. I have asked them to provide original Community loan documentation. As of this date they have not provide proper Mortgage Documents. Every time we clear this matter up with former Mortgage Loan Company and they close their claim. A new Loan and/or Mortgage Company files complaints with the Three Credit Agencies for nonpayment of a Mortgage I do not owe. I need your help with this matter. Thank you
07/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34972
 Web
I took a mortgage loan with XXXX on XX/XX/XXXX. The residence was sold and the loan was paid off in XX/XX/XXXX. In XX/XX/XXXX, I received a package in the mail from Bayview Mortgage who wanted me to sign and return a document about the loan. I told them that this is fraud and the loan has been paid. In XXXX, I applied for a building loan and was denied because Bayview and XXXX are still listed on my credit report showing late payments that can not be attributed to me, as the loan has been paid by dates shown on the report. I sent a Release of Mortgage to XXXX to prove that the loan was paid. An investigation was completed. Proof of the release of mortgage is attached to this complaint. XXXX is unreachable and Bayview insists that I still have a loan with them. In XXXX investigation it clearly states that the account balance is XXXX, and the accounts are closed. However, This loan still shows up on my credit report.
09/22/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
Notice of Error in your letter dated XX/XX/XXXX you failed to provide any documentation to support your response. You claim funds rec 'd XXXX and XX/XX/XXXX were place in unapplied funds as they were insufficient to satisfy the monthly contractual payment. The monthly contractual amount due is {$840.00} how much was due in XXXX how much was due in XXXX? how much was rec 'd in XXXX and XX/XX/XXXX? how much was rec 'd on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX explain each month and how much was due each of those months. Your claiming that 3 payments made for XXXX XXXX and XXXX were not sufficient to make one payment? explain in detail send proof of your statements and supply the documentation that XXXX provided to you to conclude your analysis. Since you always fail to send supportive documents as required by law i'm trying to be as specific as i can so i dont have to request over and over to get any documentation.
06/23/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 14075
 Web
I believe I am a victim of a long-term process of loan flipping by multiple mortgage lenders, including Community Loan Servicing XXXX XXXX XXXX, and maybe XXXX XXXX XXXX Over the past ten years, we have had trouble keeping up with our mortgage payments, and on several occasions ( including a post covid refinance ), we have neared default and foreclosure. Each time, the lender offered a modification method that featured a loan refinance. These refinances would always include a new loan with higher rates and longer terms. We accepted multiple modifications over the years, thinking it was our only option. Today, this leaves us with a higher outstanding principle than when we started and higher ( mostly all interest ) payments. We now find no progress on our principle after over ten years of making payments and a new refinance ( 40-year mortgage ) with XXXX XXXXr, where the payment is mostly interest. Please help.
09/16/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web Servicemember
XXXX XXXX, 2017 I am having problems with Bayview Loan Servicing , LLC. They do not acknowledge the receipt of my e-mails, letters, or faxes. They do not acknowledge the payment made for my Trial Payment Plan - Loan Modification. This is a continuing challenge. I have been trying to get them to answer two letters that my wife sent them. One letter was sent on XXXX XXXX, and the other on XXXX XXXX, 2017. I have questions regarding the Trial Modification Plan - Loan Modification. However, BLS refuses to answer my questions, and let me know that if I did not accept the Trail Modification Plan - Loan Modification the way it is by XXXX XXXX, 2017 they will proceed with a Foreclosure Trial on XXXX XXXX, 2017. They are in total violation of the T.R.I.D act. How can Bayview Loan Servicing , LLC continue to do business in the U.S.A.? Their President is the former COO of XXXX XXXX which is under investigation for fraud.
04/06/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 95138
 Web
I am trying to get a loan modification or HAMP, Principal Reduction Alternative and Bayview Loan Servicing says I am not eligible for a loan modification because I did a XXXX-Out Refinance transaction in XXXX and had equity in the property which was fully paid on XXXX XXXX XXXX. I applied for a trial loan modification when XXXX XXXX XXXX was servicing the loan and was approved for a Loan Modification as per the attachment on XXXX XXXX XXXX. For some reason unknown since this loan is with the same investor they will not review any option for a loan modification. Please advise how I may save or keep the home because Bayview Loan servicing is saying that I need to pay the past due balance in full to reinstate the loan. Currently the home is not in foreclosure. Please advise any option available regarding a loan modification for to keep the house from Deed in Lieu, Foreclosure or Short Sale, my cell at XXXX XXXX XXXX
11/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22980
 Web Older American, Servicemember
My name is XXXX XXXX, and this month I will turn XXXX years old. I am dealing with a serious medical issue with my wife of 35-years. My situation is complicated, but I have been pressed with an acceleration letter to foreclose on my home. My home can be worth anywhere from {$170000.00} to {$210000.00}. I owe {$130000.00} on my mortgage that includes back payments. My recreational vehicle was repossessed, and I am virtually living on a fixed income. Accordingly, I request the opportunity for Bayview Loan Servicing to give me the opportunity to list my home for sale. My wife and I should be living in an assisted living center, and our current matters both medically and financially are just too difficult to deal with. I request a cease and desist on any foreclosure actions, as my home has equity and it should sell fast. A foreclosure action will only cause me financial losses that I simply can not incur at this time.
01/29/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • GA
  • 306XX
 Web
I filed a complaint with your agency with a reply that it is closed because of authorization reasons. XXXX I have submitted over and over again to Bayview information that I am the conservator for my dad. I have the legal papers that I have sent them. My attorney has sent information to them to show that I am the legal representation for my father. HE HAS BEEN declared incompetant two years ago. We have filed in court and had court papers served to this company to show that I AM the legal representative for my dad. This company has not asked for or responded in any way to me or to a court order. This has been going on for 6 months. I can fax anything that is needed to them if they would just contact me. I ask that this be reopened and sent back to the company. My dad is not able to answer any questions or sign anything on his own behalf. This is a way the company is just not doing anything to resolve this matter
10/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 243XX
 Web
Community Loan Servicing formerly Bayview, will not answer any of my phone calls or emails to resolve an ongoing issue with my mortgage they once serviced. Now that they have sold the mortgage, they refuse to communicate with me at all. The company has stated that I missed one payment that put my loan on a rolling 30 day delinquency. They then reported XXXX late payments to the credit bureaus and are ruining my credit. I have contacted the company, provided the cancelled check theyre stating they never received as well as provided proof of insurance they stated I did not have. The company erroneously added hazard insurance to my mortgage when my agent had faxed them my policy on numerous occasions. I have attached the cancelled check, proof of insurance and a screenshot of my credit report. I would appreciate any and all help available as this company will NEVER respond to their clients or fix their mistakes!!!
04/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 900XX
 Web
I initially filed a complaint on XX/XX/2022 which has been closed by your agency in spite of the fact that the issue has not been resolved. I am having difficulty obtaining my {$7000.00} in escrow overpayment from Community Loan Servicing. They are aware that the refund was not received by me. The USPS returned the original check to the company marked as undeliverable. My address is current. I don't know why the USPS returned the check and I am not responsible for their error. However, at this juncture Community Loan Servicing knows that I do not have my refund and are willfully withholding my funds. This is illegal and highly unethical. Instead of reiterating all of the events that I have taken place I will attach the report from the previous complaint in which XXXX admits to knowing that I do not have my refund. They have not made any effort to return my funds to me despite making repeated promises to do so.
03/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 334XX
 Web
Bayview Loan is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. It is reporting to XXXX and XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. XXXXn and XXXX are reporting a monthly payment of {$1900.00} and XXXX is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX. XXXX and XXXX are reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX XXXX is reporting XXXXand XXXX is reporting it as XX/XX/XXXX. ALso XXXX and XXXX are reporting it as 120 days late but XXXX is reporting payment status unknown. There are so many obvious FCRA violations
08/17/2016 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NM
  • 88005
 Web
Mortgage was included in a chapter XXXX bankruptcy that was discharged back in XXXX. Now in XXXX of XXXX they filed a Motion for In XXXX Default Judgment for Foreclosure and Order for Foreclosure Sale. Both my ex-husband and I have been out for over a year. I moved out in XXXX of XXXX and he in early XXXX. They keep contacting him, yet when I 've tried contacting them they will not speak w/ me. I 've also attempted to contact their XXXX To no avail he is unwilling to help or disclose much since he is their " legal council ''. I told him nimerous times on our call that we no longer resided in the home and that it has been vacant for well over a year. Now they are attempting to have my ex-husband sign a " Loan Modification '', yet have made no attempt to contact me. My ex husband provided me with the following contact info : XXXX, loan # XXXX, phone # XXXX. Have made several attempts to contact with no success.
08/25/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 07039
 Web
I am a licensed real estate agent working with a borrower to accomplish a short sale. Bayview Loan Servicing is refusing to assist the borrowers because they stated they do not have enough time according to CFPB rules. Bayview received the short sale file on XX/XX/XXXX when the borrowers had a foreclosure sale date on XX/XX/XXXX. The borrowers were able to get the judge to grant additional time until XX/XX/XXXX so Bayview could review the borrowers for a short sale but they still continue to refuse based on the CFPB rules. My understanding is that once the file is submitted, the lender should have at least 37 to 30 days to review in which Bayview has this time. In addition, Bayview informed me that the net proceeds need to be $ XXXX in which the net proceeds exceed the amount at $ XXXX. Bayview is using the CFPB guidelines as an excuse to not assist this homeowner avoid foreclosure. NJ is a judiciary state.
03/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90018
 Web
I have been working with Bayview since XXXX in regards to mortgage assistance. I have submitted all the documents, whenever we call in to get an update we are transferred to the point of contact, we have left several messages and he never returns any of our calls. We have set up appointments with him, to which he still never calls. I tried to call in to see if any one else can help me or to be transferred to his manager, but again I am transferred to his voicemail. How is one supposed to get any information or find out the status if my point of contact is not doing his job properly? Bayview is making this situation far worse and forcing me with no options. They now closed my application stating they are missing documents but will not tell me what documents are missing. They are making it more difficult to communicate and do what I am supposed to be doing when they are refusing to help me or return my calls.
10/26/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • AZ
  • 85249
 Web Servicemember
Bayview Loan Servicing has n't contacted me or sent me any package after we made three trial modification payments. On XXXX XXXX, 2016, we received a Balloon Amortization Trial Document from Bayview Loan Servicing. ( See Exhibit A ) On XXXX XXXX, 2016, The Balloon Amortization Trial Document with balloon addendum sent directed us to make three trial payments starting XXXX XXXX, 2016. On XXXX XXXX, 2016, we paid XXXX XXXX, 2016 payment ( See Exhibit B ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit C ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit D ) On XXXX XXXX, 2016, Asset Manager, XXXX XXXX stated if we had n't received any permanent modification documents by XXXX 2016 to contact Bayveiw Loan Servicing. We will continue to make our trial modification payments starting with our fourth payment until we receive a modification package from Bayview Loan Servicing.
02/17/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • DC
  • 200XX
 Web
The original price of the mortgage was to be {$340000.00}. When we got to closing the price had been increased wothout prior warning or explanation by {$60000.00}, which was the exact amount the lender allowed for repairs and other improvements to be made to the property, however, so how the mortgager increased the price by that amount. Due to the drastic nature of price and/or fees change ( increase ) presented at the closing, there is reason to believe that there were violations of both the Truth in Lending Act and RESPA. The price of the residential mortgage was increased by {$60000.00} at the closing, without warning, nor prior discussion, thus increasing the price to {$400000.00} for an older XXXX bedroom home, very predatory pricing for the particular area. It is hoped that the reasoning for this can be uncovered and rectified during the course of this investigation, and any resulting negotiations.
01/07/2021 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NJ
  • 07450
 Web
When closing on my home I learned there is a second lien from a modification back in XX/XX/XXXX through XXXX XXXX XXXX. My loan was sold to a new provider Bayview loans in XX/XX/XXXX. The 2nd lien was then assigned to Bayview from HUD. Bayview then sold my loan to XXXX XXXX. My credit report was listed as paid in full with Bayview loans and my understanding was the deferred loan was sold into my account to XXXX. Bayview did not disclose to me that they would still hold this loan.As I was closing on my home, the title agent pulled the second Loan which still belongs to Bayview. I pulled my credit which states paid in full but Bayview insists I own this loan. XXXX servicing my current lender is unaware of second loan as this was not disclosed to them. Due to this outstanding amount of over {$100000.00} I lost all equity in my home and unable to purchase a new home. Bayview will not compromise on this loan.
05/16/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IA
  • 52806
 Web
I have a loan through Community Loan Servicing, I applied for a loan modification back in 2019, after months in the application process they finally approved me, but they did right in the middle of the COVID 19 crisis. I made two payments in the three payment agreement but my hours were cut cut to the crisis, and I ask for a forbearance, And I was granted it. After I was granted the forbearance, Community then said that the modification is in default. I have returned to my work full time and have been promoted to a higher pay than I was when I was granted the original modification. I have applied for a new modification but they also are stating that they might proceed with foreclosure proceeding as well after the forbearance ends at the end of XXXX. I believe that this practice is unfair, and is meant to deceive the mortgagee holder that they had protections under a forbearance they really did not have.
01/11/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • NJ
  • XXXXX
 Web
I applied for a loan modification with my lender Bayview. I have since then have been approved for a loan modification. I have made my trial payments on time and have followed all of their instructions. I was sent my final loan modification documents on XXXX XXXX. Since then I have signed and sent the notarized documents back to the lender THREE times, keeping in mind to send it with the return envelope THEY provided for the return. I was recently sent a 3rd packet exactly the same as the previous XXXX to be signed again. I spoke to the lender and the representative told me it was normal for that to happen and to resign and send back. I did just that. Now today I followed up with the lender to confirm they received the fed ex and was informed that my loan modification was in the processes of being denied for failure to return the signed agreement on time. Which is ridiculous since I did so THREE TIMES.
06/01/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 010XX
 Web
Received 90 Demand letter dated XX/XX/XXXX while in active bankruptcy # XXXX. Contacted BayView Loan Servicing regarding mortgage loan # XXXX status. BayView Loan servicing did confirm status of account and could not explain why i am receiving phone calls and active attempts to collect debt. I sent in a formal dispute but to this date activity continues. Next, mortgage transferred from XXXX to Bayview on or about XX/XX/XXXX. There are at least 2 missing payments and escrows have been overprojected over 1/6 above escrow pad. total Escrow balance they claim i owe is {$4900.00}. Finally, i contacted BayView Loan Servicing and was informed that BayView, in fact, does not have an escrow account set up for my mortgage when, in fact, i signed loan paperwork authorizing escrows with XXXX years ago. Until now, i've always had an active escrow account for XXXX XXXX XXXX XXXX, MA XXXX, my primary residence.
04/24/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 216XX
 Web
I am the XXXX in this case. I already filed a complaint XXXX / XXXX / XXXX and not only has not been resolved but it is impossible to communicate with them once I enter the loan number. They sent a new application to the borrower ( FHA case that got a TPP with XXXX at the end of last year/first payment made/ XXXX closed case in XXXX / XXXX / XXXX ) that I am about to submit and fax did n't go through ( twice ), I tried to called to confirm the fax number, three times and was put on hold by the system aroun d 15 minutes each time and nobody answered. XXXX XXXX , ( XXXX ) XXXX manager of this account is never available, nor backup agent so, I finally left a message to XXXX XXXX from the advocate team, ( XXXX ) XXXX . I am sending FHA XXXX agreement sent by consumer befor e HAMP expired. XXXX sold the loan on XXXX XXXX XXXX BayView should honor the agreement
12/18/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 215XX
 Web
Our loan was sold to another mortgage company and the balance of our loan raised from XXXX to XXXX. When I called and asked for a pay off on this loan I was told that it would be XXXX. They also say that we are behind on the payments, yet we have been making a payment a month, plus 2 months we made double payments because they said we were behind. I have researched this company and they have a lot of complaints against them. When you call to talk to someone it is automated and if you do get through then you have to leave a message and they never return your calls. This is very up setting because our original loan was for XXXX in 2001 then it went to another company and then another company and now to this company and we still owe almost as much as we did when we first got the loan. Also the interest rate was supposed to be fixed and it has raised. We need help and so does a lot of other people.
05/08/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OH
  • 452XX
 Web Servicemember
My name is XXXX XXXX my husband gotten a VA loan 30 years ago, he passed away in XXXX I paid my mortgage faithfully for approximately 30 years then I had to refinance it when he passed away, well it was sold the mortgage from XXXX to Bayview mortgage company I fell behind on my mortgage because I was hospitalized during the XXXX outbreak, then my mortgage was sold again, to new mortgage company I called talked to them and they had me fill out paperwork for basically to take payments I was behind on and put it in the backend of the loan I was told, ,well fee months later I find out they sold my house out from underneath me, now I'm basically homeless, I was told many things by the new company and never happened,, especially when I was hospitalized during the XXXX outbreak, is there anything I can do I tried everything but no help from anyone, sincerely mrs XXXX XXXX ,my contact number is XXXX.
10/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • VA
  • 23112
 Web
Attempting to sell our house in a short sale with Bayview Loan Servicing. The process has been ongoing since XXXX XXXX. We finally got an approval to close on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was a minor change regarding funds to close. It was submitted back to Bayview. They had stated the investor had to review it and that a rush was put on it. On XXXX/XXXX/XXXX we have still not heard back. I attempted to call and was given a XXXX 's name to call on XXXX/XXXX/XXXX as they were going to reach out to the investor. It appears from my point of view that this company is attempting to delay this closing of the mortgage. The buyers are greatly affected by the lack of urgency or even timeframes that are never provided. This has been a horrible experience. The realtors, title company, and lawyer advised to file this complaint as they have never experienced a situation like this in the past.
07/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 782XX
 Web
I had a mortgage with XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) closed on XX/XX/21 for the amount of about $ XXXX. Since then I made two payments to them : {$50000.00} on XX/XX/21 due on XX/XX/21 and {$100000.00} on XX/XX/21 due on XX/XX/21. I got statements from them that the payment was accepted and my principal balance is {$650000.00} dated XX/XX/21. On XX/XX/21 the mortgage was transferred to Community Loan Servicing LLC XXXX XXXX. XXXX XXXX XXXX, OH XXXX ). But these guys dtate that my principal balance is {$800000.00} and required payment due on XX/XX/21. That is they lost about {$150000.00} principal payments, incorrectly calculated due date, charged interest on higher amount, and charged late fee because I made next payment on XX/XX/21. I contacted Community on XX/XX/21, XX/XX/21, and XX/XX/21. Every time they promised to resolve issue in 48 hours.
02/16/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92708
 Web
We currently have a loan with Bayview Loan Servicing. Our loan had been sold to Bayview from XXXX bank, which they are in their full right to do. We had requested a loan modification in XXXX 2016. We had provided all the requested documentation and final tax document that they requested. We faxed and emailed to the loan modification person. Then she left and then we were assigned to another loan person. I again was asked for the same information that I had already provided, which I did again. Then I kept getting letters asking for the same information again. I have tried calling and emailing the loan rep numerous times without any return call or response. I even tried to get a hold of the asset manager and left messages, again with no return call. I finally gave up on my loan modification as they refuse to respond to me. We are only one payment behind. I need to know what my legal rights.
02/05/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • XXXXX
 Web
Dear Bayview I am continuing modification process from prior servicer XXXX I am concerned as to if there is a sale date or not, as conflicting information is being received. The trustees confirmed the sale date is suspended on the record. I received different information from Bayview. I want to keep my home. If you would assist me in making sure all parties have the same information Bayview XXXX XXXX Company Bayview stating I must sign a new assistance form with Bayview before modification can be complete- I received form XXXX/XXXX/2017. Bayview letter stated if there was a modification in review with prior servicer - the modification would continue. Has Bayview received mortgage records from XXXX XXXX XXXX. I am confused on the process at this time receiving conflicting information. Would you confirm if prior servicer has forwarded a complete file I appreciate your time greatly
04/24/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 919XX
 Web
Bayview loans keeps calling and harassing me about being behind on a payment. I 've called them numerous times to try and fix this problem but no one can help me in the so called customer service area. I have gone to my bank and receive copies of my proof of payment starting back from XXXX and ended it in XXXX, I have fax them numerous times showing them that I never miss a payment. Every time I ask them a question over the phone they say put it in writing and fax it to us. Not one person I 've talk to was able to answer a question. Its like its choreograph. I called one time and got a person here in XXXX XXXX, when I found that out and ask her if she had a branch in XXXX she just laugh and said no. She works out of her house and supposedly all my information is there on her computer. I 'm not liking this. These people are no better than XXXX and have no desire to help you what so ever.
02/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
We want Bayview to follow the stipulations of settlement agreement ( attached ). Every time we call in to Bayview the SPOC is not available and we get a different answer regarding the settlement. Most recently, we spoke to Bayview and their rep didnt know anything about the settlement agreement and refused to run this file through a loan mod, as required according to the settlement agreement. Bayview is also stating there is not enough time to run it through a settlement agreement, even though we submitted the full package to them on XX/XX/ well over a month ago. How is it that no one at Bayview realizes there is a settlement agreement, when Bayview is the one that refused to speak to us because it WAS in a settlement agreement and was being handled by their attorney?? We just want Bayview to follow the stipulations of the settlement agreement and review this file for a loan mod.
03/17/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CT
  • 06053
 Web
My mortgage servicing company escrowed too much money from my mortgage payment to cover home taxes owed to the city. Escrowed {$5500.00}, acording to box 11 of the XXXX from my mortgage company, when only required $ XXXXI 'm faxing to Mortgage servicing company statement from city tax collector indicating this fact and I'm requesting a refund of difference of over payment. I would like a review of past statements to see if previous years had discrepancies also.I 'm in the process as I write this complaint of faxing info as I've had disputes in the past with refunds with one dispute where I've had to seek the help of an attorney to resolve for which I wasn't totally satisfied after.This mortgage company has, with me, a history of confiscating money from me and leaving me bewildered as to what happened and why ... I'll attach statements..I do not trust this mortgage company to be fair.
08/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90304
 Web
So in XX/XX/2018 I received Loan Modification by XXXX XXXX XXXX to sign the modification, and to bring the account current. So I accepted the modification and made the first three trial payments on time. In beginning of this month, they sent me another modification document to sign which increased the interest rate from 4 % to 5.62 %. And, also increasing my monthly payments from $ XXXX to $ XXXX, and when they tried to send me the loan modification document they tried to backdate the dates which mentioned the loan modification was taken place in XXXX of 2018. XXXX is claiming that it was a clerical error on their part but it is clearly evident it was not through out the document. Furthermore, they are trying to increase my interest rate so I owe them money from they months I originally signed the paperwork. They have to honor the modification which was originally signed in XXXX.
04/22/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • 117XX
 Web
My home is worth approximately {$500000.00}. Yet when I negotiated my mortgage with the the investor, they did not follow any federal guidelines when the put a balloon payment at the end of my mortgage in the amount of over {$240000.00}. along with a XXXX XXXX of {$430000.00}. Totaling {$670000.00}. This would bring the loan into Respa and Tila violations as it currently stands. I retained XXXX XXXX XXXXXXXX XXXX to negotiate and come up with a reasonable solution for a short sale, have a buyer in place with a HUD 1 provided as well as Community Loan Servicing, Contact XXXX XXXX. XXXX XXXX has tried to contact XXXX and her XXXX to negotiate a short pay with the current investor. XXXX XXXX and her XXXX XXXX XXXX. They apparently have not informed the investor of this situation. It is not in line with guidelines to not inform the investor of a short pay offer for a troubled asset.
05/09/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
First complaint XXXX Now complaining again! Called XX/XX/XXXX talked to a loss mitigation representative, said loan was under ASSUMPTION since not dead can not assume, was told this last XX/XX/XXXX, have letters stating that and want loan modification, have askind also for copies of loan documents since XX/XX/XXXX then rep said email to a different department! received a letter dated XX/XX/XXXX that was in process! but nothing! RESPA stats have right to receive all signed copies of loan documents and in california modification has to be reviewed have sent more than one time, inclosed are just some of the proof and yet know one can get the modification under review when all paperwork was faxed in a timely manner! DONT LIKE COMPLAINING but nothing gets done with this company! XXXX XXXX on LOAN -- I XXXX XXXX have POWER OF ATTORNEY AND ON TITLE! ( had to refax more than 10 times )
01/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92530
 Web
I have been receiving incorrect statements from Bayview since XX/XX/XXXX. I have emailed XXXX XXXX requesting corrected statements and she emailed XXXX XXXX apologizing that she had not replied and that she would look into it but I have not received a reply to my emails nor a corrected statement. Bayview has sent incorrect statements before but they have researched them and corrected them in a timely matter. This time it's been months. I have had to file a government complaint before. I am demanding in writing that Bayview corrects the statement. I have always paid extra each month and I pay at the end of each month. The statement should reflect that my account is current with XX/XX/XXXX payment owed. I send all payments overnight with tracking like I do all payments. XXXX payment will be mailed XX/XX/XXXX. I requested via email to XXXX XXXX to please notate the account.
01/27/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 07060
 Web Older American
Bayview has made 2 errors in processing our mortgage payments. We have made our mortgage payments before the due dates in order to avoid issues with Bayview. In the last 2 months they have bounced backed our payments XXXX for not being able to obtain the funds. Keep in mind our routing and checking numbers have not changed and the funds are still sitting in the bank. We called Bayview to make the payment over the phone and was told they can not process our payment due to a bounce back. There explanation is that an error could have ben made from the mortgage holder or there 3rd party system when processing payment. Again please keep in mind that we have made payments successfully for months with no issues, but they seem to get a system glitch and wont help us figure out why. Lasty I have read BBB complaints for this company and have found that this is a very common issue.
07/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28139
 Web
I applied for a loan modification through Bayview Loan Servicing. My house was almost totally destroyed during Hurricane Florence in XXXX. Bayview Loan Servicing has received multiple payment from my insurance company. The amount of the insurance payments is approximately XXXX. The total loan payoff is estimated at XXXX. The home is currently in the process of being repaired and I have been keeping an open line of communication with the servicing provider so that I will not lose my home. I received a mortgage statement dated XX/XX/XXXX with {$2600.00} in unexplained fees. They claim these fees are for property preservation, property repair, hazard insurance claims, lock charges etc.. The property is covered by an insurance claim and these additional charges have not been substantiated. No one at Bayview Loan Servicing is able to tell me why we incurred these charges.
05/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89014
 Web
As shown by previous filed complaints with consumer finance my mortgage has been in default for over 10 years. The investor has changed servicing companies numerous times in that period. The current servicer has never provided a certified copy of the note or the deed of trust. The state mediator disallowed the previous servicing company to foreclose on the home for this reason. The investor then hired Bayview Loan servicing and they have scheduled a foreclosure despite the previously mentioned facts. They have not followed procedure. They have refused to speak with me or designate a representative. The phone number provided goes straight to a system that is programmed to hang up with it learns my account number. It is my understanding that in my state the servicer is prohibited from foreclosing and or collections if the defaulted loan is over 10 years which it is.
11/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 178XX
 Web
i took the 180 cares act thing because of covid was sent after 180 day a notice that if i paid one payment the rest of the back payments would be add on at the end of my morgage so i paid the one payment and now when i go to make the next payment is say i owe all the money from the 180 day program and it wont let me make a normal payment why? i agreed to keep making my normal payments and the amout that owed from the 180 period would be added on at the end of my morgage. so what happen? so are you going back on the agreement. if so i guess i have to get a lawyer and take you to court. i dont want to do that so lets just go back to the agreement and il pay my normal payments and you add the owed back balance to the end of my loan. also you need to fix your site so i can make my normal payments again because right now it wont let me pay anything thanks XXXX XXXX XXXX
06/07/2016 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MA
  • 02446
 Web
Mortgage company, Bayview Loan, are sending me statements and increasing my mortgage stating they are escrowing my tax. I pay my own taxes and can show it. One month they created a credit card on my profile at the town of XXXX website and made two payments on my taxes without informing me and then I paid these taxes as well. As a result there was an overpayment. I complained/spoke with the town of XXXX tax collectors office and set up monthly payments to the town of XXXX for my real estate tax. The town of XXXX reversed the payment that Bayview made, however Bayview is sending me statements charging me for taxes they anticipate they will pay ( even though I sent them a letter stating I do not want them to pay my taxes ), and are continuing to charge me escrow and increasing my monthly mortgage saying they are paying my taxes, when I am already paying them myself.
11/03/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • FL
  • 32327
 Web
My loan was bought by Bay View Loan services in XXXX. I had missed the XXXX Payment. I made the XXXX Payment Then was contacted by the office asking me to enter into a repayment plan to make up for the payment I had missed. My payment went from XXXX to XXXX for 6 months. I had made all payments until I went to make the XXXX Payment then I was informed that the gentleman that had been over my account had left or had been let go and that my repayment plan had been cancelled. Then now they are telling me that I am 4 months behind on my payments. I have all of my payment receipts and I have called them to talk about my payment history they then tell me all they can do is request a payment history then I can call them back. As I am hanging up the phone I receive a certified letter stating I have 7 days to come up with XXXX or they will be starting default procedings
01/31/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30062
 Web
I secured a mortgage for a rental property that is titled in the name of an XXXX. The mortgage is in my name and the name of the XXXX. The mortgage was recently sold. The XXXX name was dropped in the process and the servicer contacted me to say that the insurance policies on the house where not in my name. I called them and explained that was because they property was titled in the name of the XXXX, and the XXXX apparently name got dropped from the mortgage during the transfer and we needed to get it added back. They put me on hold and never got back to me. Later they day, they contacted my insurance agent and requested the change the name on my policies from the XXXX to me personally. The insurance agent contacted me. Rather than fix the issue with the servicing transfer, without my permission they called my insurance agent to change the name on my policies.-
05/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
On XX/XX/XXXX a representative from Bayview Loan Servicing called me and asked if I wanted another 90 day forbearance added to the one that I had and I said yes and she stated that a letter to confirm would be sent under the Cares Act.As of XX/XX/XXXX I have never received such letter and I called and talked with someone there I believe there name was XXXX and she said that she could not find anything and that this law did not apply to my account just like the XXXX XXXX has no clue that when a property in XXXX County is titled in Joint Tenancy that you do not need to probate they are breaking Federal Law and this seems to happen all the time. If you read Colorado Law since the Joint tenancy gives you the right to survivorship and I guess Bayview is to XXXX that being the XXXX XXXX XXXX my father and myself are both the owners which the lawyers will point out.
12/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07631
 Web
In XX/XX/XXXX, I sent the check to pay the Mortgage for XXXX. The check was cashed on XX/XX/XXXX and Bayview Loan servicing sent me a letter and say that the check was Bad check reversal. I called the company XX/XX/XXXX and they told me I need to send the bank statement and a letter to explain what happened. On the XXXX I sent a fax two times. Two days after, I spoke with a representative named XXXX and she told me they didn't receive the fax. I sent the fax again in XX/XX/XXXX and I called on XX/XX/XXXX and the representative XXXX told me it takes 2-3 days to appear on the system. I also asked the best way to fix it as soon as possible and he told me email. I sent the email on that day XX/XX/XXXX and I called the XXXX and they said nothing appears in the system. This account is under my name and my brothers name and we sent check from his account, Thank You
03/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33415
 Web
We have been attempting to do a short sale. It was previously approved by the investor at a lower price. The buyer could not get financing due to visible BLACK MOLD in the property. New Buyer at same price and the bank stated that the value came in much higher due to market condition but the mold has not changed. They stated the new appraisal came in at XXXX even though it is 9 months later provided two mold reports. Contract price is XXXX and has about XXXX in HOA dues and the bank wants to net XXXX. Even at XXXX net with required closing costs per XXXX XXXX County we can not net this amount. At this price it would require a contract over XXXX which does not make any sense and does not even include the HOA recorded lien. The investor keeps stating bring a higher offer and we keep getting lower offer due to the mold. The condition has gotten worse not better
06/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07111
 Web
Good afternoon, my name is XXXX XXXX, I'm taking this opportunity to file this complaint against Bayview loan Sevicing, LLC. I had a mortgage with XXXX XXXX, which without my consent transferred it to Bayview. Since then we are facing many problems with that Bank. From 1000 plus, we are paying more than 2000 dollars, and whomever we spoke, nothing has been done to lower our rate to the current one on the market. On XX/XX/2018, we have received a letter, which was a notice of default, for XXXX, that amount was paid in order to update the account. Even though, the bank has received all my payments, nothing has been done to update my account. I have a policy number XXXX, I purchased my own insurance and without my consent, Bayview loan went a paid my insurance in full. for those violations, I want my mortgage to be transferred back to XXXX XXXX. XXXX XXXX
07/07/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IA
  • 52806
 Web
I have been working with Bayview loan servicing for months to modify a previous loan modification that I was late for one payment. I have filed a complaint with the CPFB over this issue. I was denied due to a rule that I can not have another modification within a 12 month period. The anniversary date for the modification in question is XX/XX/XXXX. I was a denied for the last application on XX/XX/XXXX, one day from the anniversary date of the last approval. I have supplied Bayview all proofs that they have requested pertaining to reason that I was late on the last payment, that I am current employed with a better paying job, and that I am receiving rent from them non-owner occupied side of the XXXX. I am requesting that Bayview give me proper consideration of my situation, and that timeframe that I am making my request for a new modification per their rules.
02/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
I am a XXXX XXXX who was injured while working on the job. Upon my injury on XX/XX/XXXX, I have suffered financial hardships. I am a single father of XXXX children and I have been unemployed, had a reduction in income, due to my injury and illness. I had to file a Chapter XXXX Bankruptcy on last XX/XX/XXXX. Recently, however, I voluntarily dismissed the Bankruptcy because my circumstances became better. When the bank/lender ( Bayview Mortgage ) discovered that I was no longer protected by the Chapter XXXX Bankruptcy, they immediately filed to have a foreclosure/auction date for XX/XX/XXXX. Although, I am very hopeful that Bayview Mortgage will work with me on a loan modification so my children and I can stay in our home. A few years ago, they gave me a loan modification, but I lost my job, after I was approved. Thank you for assisting me in this matter.
03/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX On XX/XX/XXXX the following items were sent to XXXX : 1 ) XXXX XXXX XXXX ) XXXX 3 ) Utility Bills 4 ) Taxes XXXX XXXX ) Annuity Income Statement. ( All attached here. ) They were sent via 4 separate ways : two fax numbers XXXX XXXX & XXXX ) and to two separate email addresses which included the assigned negotiator ( XXXX XXXX XXXX ). XXXX and its employees never attached the documents to the file. We have called multiple times and had it escalated XXXX multiple times ) to be attached immediately, but AFTER THREE WEEKS XXXX STILL HAS DONE NOTHING ON THIS FILE. This is not acceptable. XXXX is violating their servicing guidelines and this is causing harm to their investor and the borrower. I want the documents attached to the file immediately and for XXXX to continue their review with no further delays.
11/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33185
 Web
Ridiculous from Servicer and XXXX XXXX to keep paying services like Bayview for homeowner 's to keep loosing their properties and they are not doing their job. My Name is XXXX XXXX XXXX and I have submitted this modification on behalf of XXXX XXXX in the week of XX/XX/XXXX, I received a called from XXXX XXXX, to see if XXXX the Account Executive on this case has done anything with the documentation I had sent, he informed me that the documentation was just sitting there and that XXXX was not doing anything with it. You may reach XXXX at XXXX. He also suggested I should speak with XXXX supervisor. The letter that XXXX XXXX got today is a total violation of RESPA. since it does not implement any of the documentation that was need it to sent in. Either me or XXXX XXXX had received any documentation requesting additional information. Its Fraud and a lie.
01/20/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 23236
 Web
I worked throughout the Fall to prepare for the best option for my situation. I attended a seminar hosted by XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX, on XX/XX/2021. Registered under the email address XXXX Scheduled a follow-up meeting with a XXXX XXXX XXXX counselor XXXX XXXX on XX/XX/2021. I spoke to XXXX XXXX and he forwarded my information to XXXX XXXX of Community Loan Servicing. I spoke to XXXX XXXX on XX/XX/2021 about my situation and desire to remain in my home. NONE for those actions seem to be noted in the company 's files for my home. Also, none of that was mentioned in a previous complaint XXXX. The company seemed to take the position that I had not taken actions to reengage in payments for my home. I want to be clear that XXXX XXXX XXXX is and was engaged as a counseloXXXX for Community Loan Servicing and that my records are accurately noted.
10/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89108
 Web
Bayview Loan Services still continues to lie about the facts of my complaint. 1. They have yet to disprove my claim of the over paymentom my loan. Their answer is, " this matter closed. '' If indeed the amount of the refund of {$2600.00} was incorrect, this should have been resolved at the time the check amount was agreed upon. The issue of the check at {$2600.00} is their admittance that the over payment amount, with the check register I sent them, from my bank account, was correct. 2. Since they have admitted their incorrect accounting, no late fees should apply. These need to be removed. All payments have been received by Bayview before the XXXX of the month. Again, I sent a copy of my bank statement showing the dates all payments cleared. It took Bayview nearly 3 months to refund my money, yet I do not get to charge them a late fee or interest!
07/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • KS
  • 66106
 Web
The last letter i recieved from XXXX XXXX XXXX stated that they were reviewing our case and would let us know of the decision in a few days. That was XX/XX/XXXX. Then i called to check statis of modification on XX/XX/XXXX and they stated they could no loner help us that they had transfered all of our documents to bayview loan servicing and cloaed our account .i resent all info to bayview account manager who told me through email that he had recieved the last of the documents which was proof of change in address and he would contact me within 14 days. Today i recieved a letter after calling XXXX XXXX with bayview and emailing him back with no response, stating to us our house wwould be sold on XX/XX/XXXX. Thats the response we recieved this is unfair we are losing our home because of these people and i wish someone would please review all my documents.
03/13/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 786XX
 Web
Last year our mortgage was transferred to Bayview Loan Servicing, XXXX, Florida. We were in a Chapter XXXX Bankruptcy and were denied access to our online account, so I could not see the payments applied. We sent the payments by certified mail, return receipt requested, about the XX/XX/XXXX of the month. The payments were always received by the XX/XX/XXXX of the month, but not posted into the bank until the XX/XX/XXXX of the month. Once we received a notice saying that we were in arrears and that foreclosure would soon begin. At this time, our bankruptcy has been discharged, and I have access again the to online account, but they have not posted any payments since XX/XX/2017, although the XX/XX/XXXX and XX/XX/XXXX checks have cleared the bank. Calls and letters have not produced any effect. We would like for them to post payments in a timely fashion.
09/01/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92804
 Web
To whom it may concern, Please help me keep my home, I called my bank ( Bayview Loan Servicing ) asking help to modify my mortgage payment. After almost 4 months of waiting now my bank keeps telling me to wait because the investor of my loan is out on vacation. Now that the investor came back from vacation, Bayview Loan Servicing is telling me that my modification is denied because it is not on the best interest of my investor to help me keep my home. I asked what does that mean and they told me that they do n't want to help me modify because it is not on their best interest to help me. Please please I am very concerned that now Bayview Loan Servicing is going to try to take advantage and take our home away. my interest rate is very high and adjustable which it seems like that 's why Bayview Loan Servicing it doing everything to deny my application.
11/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 34135
 Web
My mortgage loan is currently serviced by Bayview Loan Servicing ( BLS ). Due to serious accounting issues that were discovered through QWR, Bayview agreed to work through the loan modification process to mediate the issues. BLS has now refused to underwrite the loan modification submission and will no remit a copy of the denial. BLS is required per HUD and CFPB law to remit a copy of the loan modification denial, in order to allow for a formal appeal to be entered. Furthermore, BLS has set a foreclosure sale date of XXXX, without granting allowance for a formal appeal. The CFPB law that was revised in 2014 clearly states that homeowners must be clearly informed during the entire loss mitigation process, so they can take the necessary steps to avoid foreclosure. BLS has clearly violated the CFPB law, so I am seeking your assistance on this matter.
10/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 960XX
 Web
On XX/XX/2018 ; I started a loan modification application with my servicer, Bayview Loan Servicing. I received a notice that Bayview would transfer the servicing of my loan to XXXX XXXX XXXX XXXX on XX/XX/2018. On XX/XX/XXXX and as of today 's date ; I have contacted XXXX XXXX XXXX consistently about the transfer of my loan while in default and to find out whether my loan modification application package would be transferred from Bayview to XXXX XXXX. As of this date, XXXX XXXX has informed me that they do not show any of my loan information in their system - they do not even have a loan number assigned to my loan ; a fact which has prevented me from submitting their loan number to this complaint and from getting the servicer any missing information that might by needed to make a determination on my application before the XX/XX/2018 sale date.
10/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95076
 Web
I have attempted to work with Bayview for mortgage assistance but feel I can never get anywhere. I have never been assigned a point of contact, I have not been provided with a fair and proper review and am being turned down for reasons that do not make any sense. I am not being provided options to save my home, in return I am being forced to this foreclosure and losing my home. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered the Deed of Trust shall be void ab initio. My right has the borrower have been severally violated and at this point all Bayview wants to do is leave me homeless. I am always having to contact them and never vice versa, this whole process is very draining and mentally exhausting.
01/30/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • VA
  • 23456
 Web
Bayview Loan Servicing is trying to take advantage of their customers. I went for a loan modification & was origionally denied. I appealed it & still was denied until I spoke with someone who has helped me get a modification. The only problem is that the modification is really not a modification but only 1/4 of a point off. Instead of saving at least {$200.00}. - $ XXXX.a month, they only gave me {$100.00}. a month witch does not help much. Then, on top of that, they want to raise the APR by 1 % every year after the 5 year period for 5 years.That is NOT how a modification works. That is not saving me anything. It is a big fraud modification. All they have is excuses when I call them. I will Not pay {$200.00} extra a month for 13 years, just for " saving '' me {$100.00}. a moth for 5 years. I hope this problem can be resolved. XXXX XXXX
01/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92530
 Web
Bayview has sent me notices with 3 different addresses to send payment to and has not been posting my mortgage payments in a timely manner. I send my payment at the end of each month with tracking so I know when they are received. Bayview sends incorrect correspondence and statements and falsely claimed my loan was in default. Bayview changed the payment address twice then a month later changed servicer. I requested in writing that Bayview correct their mistake to show my account is current prior to transferring to the new servicer, Bayview did not reply or issue a correct invoice. I mailed a {$2900.00} payment overnight today including my XX/XX/2020 overnight XX/XX/2020 USPS tracking number # XXXX to Bayview and Bayview was notified via email so it should be posted prior to transferring loan to new servicer as current by XX/XX/2020 XXXX
09/05/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33177
 Web Older American, Servicemember
XXXX XXXX as the of procedure that utilized to foreclose on my home in XX/XX/2015, and which is a violation of due process as follows : 1. There is an assumption by the court that you want a free house and not paying your mortgage. 2. Yet the court procedure takes a few minutes with the judge and plaintiff doing all the talking. 3. The court did not allow me to cross-examine or question the plaintiff. 4. My motion and plea were ignored by the court. 5. The rules of the court were compromised in favor of the plaintiff. 6. Dates were set by the court for making the decision in plaintiff favor. 7. The alleged original note endorsed in blank was presented in court by the plaintiff to my surprise, and when I tried to question the plaintiff on the note, surprisingly the strikes gravel on his desktop, Your house would be sold in 60-days.
11/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 471XX
 Web
I filed a prior complaint with you and for some reason you out the complaint in my husbands name. We are both on the loan. Bayview advises they made a mistake and said they sent notice to the credit bureaus and it would be corrected. However Bayview is still calling me. I have written down and logged 12 calls advising me that we are late on our payments and owe {$190.00} from XXXX XXXX. However when I call they tell me my payments are current. Clearly they have not credited my account the payments they have received. What is happening with the interest on this account? Why cant they just update their system of the Loan modification they approved. I can not get a car loan because their mistake damaged my credit until it is updated. As stated earlier I want them to update their records and stop calling and telling me Im late when Im not.
06/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33415
 Web Older American
This company has not answered yet my previous complaint # XXXX I am resuming here the status of the complaint : I signed with Bayview Loan Servicing LLC the attached PERMANENT MODIFICATION LOAN AGREEMENT in XXXX that shows I was complying with the modification terms and never being in default as proved in Court in XX/XX/XXXX. Bayview filed a frivolous foreclosure on XX/XX/XXXX against my home claiming amounts out of this modification ; Bayview sent innumerous harassment letters almost two years prior to the filing of the frivolous foreclosure, always claiming unlawful amounts out of the above modification. After 21 months have passed Bayview hasnt rectified their position yet ; they transferred the Service on XX/XX/XXXX to XXXX XXXX who also transferred the service to XXXX XXXX XXXX on XX/XX/XXXX. Notice of error was sent to Bayview
04/14/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 089XX
 Web
Both my parents have died and the mortage was in both of there name my Mom passed in XX/XX/XXXX and my XXXX passed XX/XX/XXXX I was living at the residence and paying the mortage payments since XX/XX/XXXX. I feel behind due to having XXXX i tried to call to make some arrangements tried to make a payment they returned it. Tried calling they will not talk to me about it. I tried telling them my parents are deceased they will not talk to me about the loan. Im trying to save my family home its almost paid for and looking for a loan modification to catch up. There is much Equity In the house.I need help. My dad did sign the Deed over to me but he remarried and she was the witness to the switching of the Deed. I can not locate her and XXXX will not help cause he was XXXX at time of death. Looking for bank to work with me on keeping the home.
02/10/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Problems caused by my funds being low
  • NJ
  • XXXXX
 Web
I keep receiving mail and all correspondence from this agency claim that he purchase my mortgage from XXXX XXXX along with my United States XXXX on XXXX XXXX, 2017 XXXX XXXX left a letter envelope outside my door in this letter was advertising from Bayveiw Loan Service offering me to Cash for my Key to my house that withdrawal {$50000.00} from my pension to put the downpayment down stating that I Get cash to help you move to a new home accept this offer today. My pension was without and paid for me to move here why would this agency ask me to release my title of my home and all contents in the home to them for {$2000.00} is this legal please investigate this agency ensure that it legal to offer a home owner and all misconduct and mismanagement found all individual involved be convicted according to United States Federal Regulations
02/23/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • VA
  • 20136
 Web
Bayview Loan Servicing , LLC took over my loan from XXXX XXXX XXXX, after the Federal Government found XXXX XXXX XXXX guilty of improper mortgage modification and I was awarded {$2000.00} dollars and they were to complete trial modification. They did n't, they sold it to Bayview. Bayview has delayed, denied, stalled the loan modification for years now and continues to say they either did n't get requested documents, when I have proof of delivery or they just deny it outright ; telling me they represent the investors not the mortgage holder. This is criminal. They improperly send notices through their attorney prior to even sending decisions trying to foreclose, even during my XXXX and especially on Holidays hoping I was not home. They need to be reprimanded and fined for not following federal guidelines just at XXXX XXXX XXXX was.
11/23/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 117XX
 Web
I am contacting the CFPB in desperation. Our home is scheduled for foreclosure sale on XXXX/XXXX/2015 and Bayview will not postpone this sale. The reason for hardship was completely out of our control as XXXX is permanently XXXX. I have been out of work because I stay home and care for him as he needs XXXX hour supervision and care. I had been working with Bayview for a loan modification and just today after my loan was transferred to yet another rep. The previous rep told me they were requesting an appraisal as they were refusing to defer 30 % stating my value just happened to be 79.99 % and would need to be over 80 %. After disputing explaining the value is much lower making the LTV closer to 95 %, he was going to request an appraisal. The very next day, a new rep was assigned and a denial letter was issued today, XXXX/XXXX/15.
06/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
My name is XXXX XXXX XXXX and on the second of XXXX I was driving home and was hit by a drunk driver. I was in the hospital until Saturday the XXXX of XXXX with a concussion, XXXX XXXX XXXX, and other issues. I was late with the mortgage payment but made it on the XXXX of XXXX trying to catch up. Today on XXXX XXXX I called to nicely ask to have the XXXX late fee waived and was told that they could not do this. Also Bayview has changed the amount of the payments they seem to ask what they want since XX/XX/2018 and they just seem to be doing whatever they can get away with. Since I have filed complaints with you before and caught them lying an other issues why has the Federal Government not taken control of this company. We have a contract for a set mortgage payment and bayview keeps breaking the contract and raising the payment.
12/23/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37814
 Web Older American
Our mortgage maturity date is in XX/XX/2021. We are elderly and have lived in this home over 50 years. We will not have the mortgage paid off by that time. We have spoken to people at the company 3 times. We have been sent hardship, and mortgage modification papers to fill out so we can resolve this, and be able to stay in our home. Our daughter has filled out the paperwork for us three times, and sent it back in. We have been rejected all three times, even though we sent in everything they needed. Their excuse on the letters is that our credit score is " too high '', or we need to wait until we are in default before we can get a modification. If we go into default, they will foreclose. I do not have specific dates, but I kept all letters of denial they sent us back. They refuse to work with us, and give us excuse after excuse.
11/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 368XX
 Web
Bayview keeps sending people to my home asking me to contact them. I have already been in contact with them several times. I had to pay two payments this month because my XX/XX/2018 payment was returned un paid from my bank. I made two payments two come out two different dates one for XX/XX/2018 for the XX/XX/2018 payment. And for the recent payment of XX/XX/2018 was made for XX/XX/2018. I currently have the XX/XX/2018 payment to come out on XX/XX/2018. It hasn't yet cleared my checking account for the XX/XX/2018. This is harassment bayview sending someone to my home all the time. Which i am current with my payments. If it makes them mad making complaints well it makes me mad them trying to harass me and lying with them saying they haven't talked to me. And how they go out of the way to send someone to my home and leave a note.
05/24/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32060
 Web Servicemember
according to the U.S. treasury guidelines. under the imminent default criteria I believe my brother who is a military veteran deserves to keep his home. under the US treasury guidelines he should be eligible for a modification based on his XXXX . He went through marital issues and a divorce in XXXX and XXXX causing him to struggle with excessive expenses, he struggled from XXXX and was hospitalized multiple times. He Is a XXXX patient and has to be XXXX XXXX times a week. He was admitted into the hospital on XXXX and XXXX , currently in hospital. He has been hospitalized multiple times due to XXXX XXXX and issues that may have resulted from being in the military. He depends on medical equipment for support to walk and to get around. he is only XXXX yrs of age and struggles like an elderly individual.
06/10/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92673
 Web
XXXX XXXX sold My loan to Bayview servicing company 3 months ago. I did call them and requested information regarding assuming the loan since it was under me and my Ex-husband name. They send me the documentation stating that if I decide to assume the loan the charges will be {$8000.00}. I did not fill out the application to send it in to this day. I have received XXXX statements from them that XXXX of them having {$8000.00} as passed due amount added to my mortgage. I have not even fill out the application yet and they are saying that I owe them for services that they did not even provide but I am late on the payment. This is a fraud/scam. The statements saying that I am late for in the this amount and not stating what it is for after being on the phone with them XXXX hours they said the charges will stay there as being late.
05/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • XXXXX
 Web Servicemember
From XXXX XXXX to XXXX XXXX , I have tried to reach asset manager at Bayview Loan Servicing o n several occasions. The most recent occasion was the beginning of XXXX XXXX , in which I wanted to know what my new mortgage payment would be in the permanent conversion modification package Bayview Loan Servicing w as suppose to be sending since XXXX XXXX . I had obtained Homeowners insurance from XXXX and canceled the lenders forced placed insurance ; however, the lender has failed to cancel their forced placed insurance and notify me what my new payment would be. I left messages for asset manager XXXX XXXX and XXXX XXXX . It is important to note the homeowners insurance we signed up for at XXXX XXXX is {$2500.00} lower than the forced placed insurance Bayview Loan Servicing place d on our account.
01/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30331
 Web
I was laid off of my job in 2011. My mortgage was with XXXX XXXX XXXX at the current time. XXXX XXXX XXXX was working with me in a forbearance on my loan. During the time I was in my forbearance period my loan was stole to Bayview Loan Servicing llc. Bayview stated to me that they was n't honoring the forbearance that XXXX XXXX XXXX had granted me before the loan was sold to them. Since my loan has been with Bayview I have tried getting a modification several time with no success. While looking for avenues to save my home I learned that my loan was switched from an FHA to an conventional loan without me signing any paperwork. Bayview has attempted for foreclose on my property which led to me filing bankruptcy. Since I have filed bankruptcy I tried for a modification again. It has been several months with no communication.
11/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92804
 Web
RE ; BAYVIEW LOAN SERVICING - LOAN # XXXX I am writing to you because I am tired and sick of Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX who is now refusing to help me with my modification request made over 6 months ago. I tried calling for the past 3 weeks and every time that I speak to someone from Bayview Loan Servicing they keep telling me that XXXX XXXX is on vacation and they do n't know when is she going to return back. All I ask for is help to modify my loan since Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX keep increasing my mortgage payment from {$2600.00} to {$3800.00}. I just found out that my monthly payment will be going up again to {$4600.00}. Please help since there people are taking advantage of me and my family. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
05/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web Older American
I submitted a complaint earlier and after waiting over a month I got a response and talked with a XXXX XXXX XXXX and he informed me that Bayview screwed up the repayment plan. I was then told on the XX/XX/XXXX that they had put a response on the Vice Presidents desk who was out of the Country probably conducting more illegal business for Bayview and that a decision to waive a payment and bring the account current was going to be done. Then two days later I get a Notice of Default and Intent to Accelerate notice in the mail after XXXX told me that since Bayview screwed up the figures and breached the contract. Bayview is nothing more than a fraud and illegal business practice and maybe somebody at this company should advise the Government to overtake this loan company and get people in prison and correct the problems.
07/21/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • GA
  • 30253
 Web
I have a mortgage with Bayview Loan Servicing and they provided me with a modification XX/XX/XXXX. The modification was to have a principal reduction feature in it of {$410000.00}, spread over 3 years in the month of XXXX of the proceeding years. The stipulation for the modification was that payments would need to be within 90 days to get the principal reduction. I unfortunately had a niece pass from XXXX at the age of XXXX that I help with the funeral arrangements. I addressed this issue with Bayview Loan Servicing and also sent them supporting documents pertaining to my situation. On XXXX XXXX, XXXX I received a letter stating that I would still be eligible for the last principal deduction. Now Bayview is stating they will not indeed give me the deduction even though I have the correspondence from them in writing.
01/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33467
 Web Older American
I was trying to get my home loan refinanced at the lower credit rates. The loan officer said my credit report shows my home was in forbearance from XXXXl-XX/XX/2020. I was never in forbearance and my payments were automatically coming out of my checking account the XXXX of every month. I never agreed to forbearance and all my payments were made on time. I checked with Bayview Loan which is now Community Loan Servicing and confirmed I never missed a payment. I never signed anything to that effect. The problem is that my credit report shows I had a XX/XX/XXXX balance every month and the bills were all paid on time from my checking account. However the " forbearance '' was never used or instituted and it is affecting my credit scores and is hindering my ability to obtain a loan until this is corrected on my report.
10/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95336
 Web
My mortgage was with XXXX XXXX for a very long time. They sold the servicing to XXXX XXXX In XXXX Florida. I have been trying to work with them to get a modification on my home due to divorce and health problems. When I applied for the modification they told me that I didn't give them the paperwork in time. I showed them the proof from my e-mail that I did give all the information in time for them to look at it. This was incorrect on their part. On XX/XX/2018 Bayview told me that they can't help me due to previous modifications with XXXX in the past. I called XXXX XXXX today and my loan is not backed with them? I know the Bayview doesn't care if I lose my home but I am working and a single mother and trying very hard to live in my home. Anything you can do to help me would be greatly appreciated. Thank you.
10/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90035
 Web
I applied for a loan modification and was approved for trial payments starting XX/XX/19 for 3 months trial payment, I made all the payments on time and continued to make payments every month after. I was told I would get my permanent loan modification agreement after 3 trial payments but as of yet I have not received anything.. I continue call 2 times a week to follow and was told there is delay, but its been way too long, for past week I have been trying to reach someone at Bayveiw to make my another payment but have not been successful, I leave message and no one returns my call. I have a sale date on XX/XX/19 am very concerned to loose my house, I have people and agents showing up at my door saying my home is going to foreclosure. I would like my permanent loan agreement asap and bring my loan current.
07/07/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 48204
 Web Older American
I have been having a problems with bayview loan servicing before the year 2013.They always say that my payments are late and charging me a late fee even when I send my payments 2 or 3 weeks ahead of my due date. They have been holding my escrow going on 3 years, bayview sends me letters two or three times a month saying my mortgage is in default even though my payments are on time, they send alot of threating letters saying I 'm 3 months behind on my mortgage.They robo call me over seven times every day even after XXXX in the XXXX and on weekends.Bayview saids that I owe them over {$700.00} which I dispute in late fees, because they always make my payments late.I feel that I 'm being taking advantage of because I am a senior citizen. bayview Ioan servicing, LLC XXXX XXXX De XXXX XXXX XXXX XXXX XXXX FL XXXX
07/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 20782
 Web Older American, Servicemember
BAYVIEW Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. On XXXX XX/XX/2020 we received a letter that we applied for a " forbearance plan '' due to COVD. We never applied for this program. The letter dated XXXX XX/XX/2020, stipulates that we were required to contact the loan servicing company by XXXX XX/XX/2020. Which is more than strange, we believe what BAYVIEW has done is illegal. BAYVIEW is the new mortgage company that XXXX XXXX transferred the servicing of our mortgage to after filing for Chapter XXXX bankruptcy earlier this year. Yes, We were behind but have since then caught up with our monthly mortgage payments. We contacted BAYVIEW customer service and were advised to ignore this letter, regardless, we NEVER requested to be placed on the forbearance plan due to COVD.
04/20/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 14127
 Web
I received second notice that my XXXX tax bill had not been paid through my escrow account. Amount due : {$8300.00}. I called my loan servicing company ( Community Loan Servicing ) and was advised the issue should be resolved in XXXX business days. ( I do not recall the date I called to speak with them ). About XXXX weeks later I called to follow-up to make sue the bill had been paid and was advised it had not and that I would need to work with a XXXX XXXX. I sent the XXXX XXXX ( an employee of Community Loan Servicing ) the 2nd notice I had received through email on XX/XX/22. I called today ( XX/XX/22 ) to ensure it had been taken care of and was advised the bill has still not been paid and that they are working with their XXXX department ( who I am not allowed to speak with ) to get it resolved.
12/27/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30127
 Web
my name is XXXX XXXX XXXX i have gotten a letter from bayview loan services # XXXX saying i owe more than XXXX dollards inclue taxes not true i pay off the taxes early this year i do will not pay what they ask i have a new mortage rate signed, notary new amount starting XXXX 2015 rate of 2 % -i am asking that you do your job and check u r suppose to help people but u have done nothing for me if i can every get thru to XXXX radio station i will tell him u have never help me even though he speaks about the company all the time on his show XXXX radio if u do not believe me u try getting thru and speak to XXXX tell the bayview i need them to check their info in system b/4 sending out letters i will only pay new payment, taxes not due till XX/XX/XXXX i will not pay any more if due then i will pay.thank u
03/29/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 48071
 Web
Something is wrong with the electronic payment system at XXXX. I have tried to make my XX/XX/2017 payment twice and the payments still have not been taken out of my checking account. I have tried calling multiple times, but I never talk to a live person. There is a phone number on their website, I have called over and over again, but no person can be reached. Why wo n't they pull the finds out of my account? Will my payment be reported as late? Will I have late fees, will this appear as a late payment on my credit report? I have lots of questions but no one to answer them. I made a payment of {$520.00} on the company website on XX/XX/2017. Then I made a second payment of {$520.00} on XX/XX/2017 also on the company website. Today is XX/XX/XXXX and the money is still sitting in my checking account.
06/23/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 91367
 Web
My mortgage was sold by XXXX XXXX XXXX to Bay View Loans. Shortly after, Bay View Loans reduced my loan payments. In XXXX they XXXX my mortgage payments saying my escrow account was low. I have owned my property since XXXX. I have always had a fixed rate loan and incorporated my tax and insurance into my payments, for this very reason! I am not in a financial position to handle such a dramatic fluctuation in my expenses. They claim to have under estimated my hazard insurance by about {$3500.00}. However, I have been with XXXX since XXXX and my hazard insurance only increased by {$29.00} this year! I am unable to pay this new amount and am in danger of losing my house! I believe my account was mishandled intentionally and I should not be held responsible for their mismanagement of my account.
08/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37174
 Web
Nature of complaint : We have LATE PAYMENTS from Community Loan Servicing showing up on our credit reports from XX/XX/XXXX to XX/XX/XXXX that should NOT be on there. We spoke to community loan servicing 6 months ago after disputing the late payments reported on both mine and my husband 's accounts. We received a letter in the mail ( after disputing with credit bureaus ) that they ( Community Loan Servicing- formerly Bayview Loan Servicing ) would be " removing all negative information '' ( letter is attached ). They agreed negative information would be deleted, however, the credit agencies refuse to update it. This is a HUGE deal for us as we are in the middle of a very important mortgage for our family and we are at risk of not qualifying because of this inaccurate info. PLEASE HELP!!!!!
10/26/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 19120
 Web
My name is XXXX. I am filling a complaint about Bayview Loan Services Mortgage Company, XXXX FL. I am a home owner in XXXX, PA. Bayview bought out a loan from XXXX XXXX XXXX , in which I was in compliance with them about a modification that was offered to me. I started questioning this company about how they wanted me to submit my payments. I discussed with them linking up my checking account to take out payments each month which they agreed to but it NEVER happened. I had a contact person in which they kept giving me the run around. And now they are stating that I am two month behind. I did all the paperwork and have all my receipts. I have called numerous times and do n't want to fall anymore behind with payments due to late fees. I also have a gut feeling this company may be a fraud.
08/22/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 08724
 Web Older American
received a phone call from a XXXX XXXX telling me that he is with my mortgage company, Bayview Financing. he asked for my s.s. number or loan number. i gave my loan number. he was able to pull up my loan information. he then said that today is the deadline for a loan modification. he offer to lower my payments about XXXX %. BUT, he needed the first of 3 trial payments TODAY. I asked for an email from Bayview reviewing these terms. after initially agreeing to do so, he then exclaimed that i was on a no email list. This is when i knew it was a scam. when i asked for more of his information, he hung up. the call came from XXXX his voice mail left his direct line of XXXX which is the line i called and he answered. losing your home is traumatic enough without these people making it worse.
04/14/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MI
  • 488XX
 Web Older American
To Whom It May Concern : I have documentation that I need reviewed by a real expert/professional. I have tried to contact Bayview loan servicing and they continue to run me around in circles. I 'm attaching documentation to review that I 've asterisked, circled, or underlined. Escrow account balance on XX/XX/2016 was {$2100.00} after payment of insurance. On XX/XX/2016 funds were distributed for {$910.00} - does n't reference who that was paid to and what it was for. I do n't see where I got a refund in that amount and there were no summer taxes owing for that amount. Escrow funds can only be used for anticipated taxes and insurance, so they need to give an explanation on that disbursement. Page XXXX is unexplainable to me and page XXXX continues to only confuse me. Please help.
09/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IN
  • 46203
 Web
I received a notice dated XX/XX/2016 that an escrow account had been set up and payments had been made to insurance and taxes regarding our home. We do not have an escrow with these people and are officially requesting they stop these fraudulent payments. The escrow " history '' shows payments made XX/XX/XXXX, XXXX, and XX/XX/XXXX. However, my insurance company shows a payment on XXXX/XXXX/16 and my treasurer also on XXXX/XXXX/16. I have informed both companies of this fraud and requested those funds returned. A Bayview agent, XXXX, specifically stated we do not have an escrow and than they began making payments to these places. My last complaint has done nothing to stop this company from committing fraud regarding my account and therefor have no other option but to seek legal help.
07/31/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 631XX
 Web Older American
How do I get Bayview to leave me alone? With XXXX, I heard from them once a year with an escrow statement. Then they sold my mortgage & I 'm inundated with mailings & phone calls. From all the stress, I got confused & missed a payment. Efforts to make it up resulted in even more confusion & contradictions so I sought help from XXXX. Through the intercession of their housing counselor, arrangements were made & scheduled with my credit union. There 's XXXX left & then the XXXX payment will reportedly be about {$750.00}. The calls continue as well as constant mailings. They include registered letters to apply for help for which I know I do n't qualify. Without a car, it means needless trips to the post office. Is there any recourse or will this harassment be part of my future?
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77044
 Web
I written your division through the years and nothing was ever resolved, my complaint 's started with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX, I report them as fraud when I found out in XX/XX/XXXX my home was paid in full and I do not have a mortgage, On XX/XX/XXXX XXXX XXXX XXXX XXXX has transferred the services to Community Loan Services and last I spoke with them on XX/XX/XXXX I informed them I owed nothing on my home, but they are reporting to the credit bureau Derogatory status on my credit report in the amount of XXXX. If it was deteremined that XXXX XXXX XXXX was Fraud and should not have been collecting any payments on my home this new company is attempting to do the same thing. I've owned my home since XXXX with XXXX in additional payments. Get proof the loan exist.
10/19/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33145
 Web
On or around XX/XX/XXXX my state was hit by Hurricane Irma Around the XXXX I called my mortgage servicer and informed them I would need a forbearance. Currently the forbearance is being offered to anyone in Florida. My home is in a mandatory evac. zone and has incurred approximately 100,000.00 of damage. Around XX/XX/XXXX I checked my account and saw my servicer had drafted my payment. At that point I called and never received a follow up. Ive sent 5 emails and two registered letters ( attached ). Around XX/XX/XXXX I called " XXXX ''. They finally made contact and pushed the servicer to agree to the forbearance verbally for XXXX, XXXX XXXX. Today I became aware that they are labeling my acct as past due. I 've made several attempts to no avail. I need help on this situation.
05/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 17055
 Web Older American, Servicemember
Bayview Loan Servicing , LLC ATTN : Customer Service Department XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , FL XXXX They consistently misapply or do not apply payments. We pay more than what is due and they put the extra in unapplied funds. We are years ahead on our mortgage and they send statements saying we owe two or three months. I have called and was told it is not a problem as the website has the correct amount. Today I called and their automated system asked me to pay as I owed for XXXX which was already paid and applied. I had received a statement showing they got the payment and now today another statement showing they got the payment and I owe two months. Last week I got a statement that I owed three months and XXXX 's money was received.
02/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 360XX
 Web
I paid my XXXX mortgage with Bayview Loan Servicing LLC. I have a confirmation number for my payment, and my payment came out of my bank account. My agent said that a mistake had been made and that my account had been sent to foreclosure, but he took my payment anyway. He assured me, though, that he would contact his supervisor and have the process halted. This morning a woman and knocked on my door saying she represented a third-party and that my home was in foreclosure and she was doing an occupancy check. I contacted XXXX XXXX. XXXX said that Bayview is in the business of foreclosing on homes. I want to be placed with a more reputable mortgage company. You can not even get a person on the line when you called their numbers. One of their list of numbers is for a cruise company.
12/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • XXXXX
 Web
We went to three different lawyers who told us that we could receive a loan modification. We were not behind on our payments when we went to the first lawyer. After paying over {$15000.00}. the lawyer could not be found and his office closed. The Second lawyer reassured us that they could get an approval and they tried to get us to do a short sale and sell to an investor. The third lawyer listed in this complaint is the one who has filed a a bankruptcy to stop the sale of our property. The mistakes that were made because of the advice of the attorneys. We are employed have steady jobs pay our taxes and we want to keep our home. We tried to speak to Bayview to work with them, but they put a sale date on our home. We want to work directly with Bayview. Please help us. Thank You
04/11/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • XXXXX
 Web Older American
I was supposed to be included in XXXX settlements with my lender XXXX XXXX XXXX and XXXX the servicing company ( Bayview Loan Servicing llc ) will not included me in any of them. I have ask for a copy of the print out from the portal showing me any printout saying I do not qualify they just keep sending me letters saying they do n't have to see attached letter. I worked at XXXX XXXX XXXX and I know better my loan was supposed to be included all they way back to the first suit in XXXX so I need help getting all printout from them They are afraid I am going to sue them for fraud. Also I had a mod in XXXX and paid on it for eleven months and then XXXX decided they did not want to do it anymore and stopped taking my payments. Please see attached letters from Bayview Loan Servicing
05/27/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • GA
  • 30265
 Web
Our original mortgage was with XXXX and sold to Bayview Loan Servicing. We had an auto draft set for XXXX and Bayview took it out on the XXXX resulting in returned checks and NSF fees. Contacted an agent on XXXX and told to submit in writing the complaint and the bank statement showing NSF fees - send a fax to XXXX. I did this and no response to email or verbally so on XXXX/XXXX/15 called again and spoke with another agent who assured me the NSF fees had been applied to my account on XXXX/XXXX/15 and it would take 5 days to post. As of XXXX/XXXX/15 nothing has been refunded and I am out over {$500.00} due to Bayview 's mistake. Calling again today but this is horrible customer service and I have yet to be acknowledged by a Manager, even after several messages left on voice mail
10/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 117XX
 Web
We have tried a number of times to come to some type of solution to save our home from foreclosure. When they initiated the foreclosure were were only {$10000.00}. in arrears. We tried to make payment arrangements. We tried top do a forbearance. We tried everything we could to avoid foreclosure. We had an attorney who to our knowledge was familiar with the foreclosure process but did not represent us in the manner in which we wanted. Leaving us in a very bad situation. We have overcome our hardships and we have money saved to workout a solution to save our home. Please help us save our home from foreclosure. We have XXXX ( XXXX ) small children under the age of XXXX. We need our home for our children. We are both working and do have savings to pay ourm mortgage. Thank You
06/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98108
 Web
I have two issues : 1. Mortgage company has not provided a statement for 2 months. I have not received a required periodic statement for 2 billing cycles. The statements are also not available online. 2. Mortgage company does not apply payments timely, and I am concerned they are overcharging interest because of this. Almost every single payment I have made has been received timely by my mortgage company, but not promptly applied. My payments are put into 'unapplied funds ' or 'in suspension ' and not applied until weeks after they are received. This means extra interest is charged, because my principle payments are not applied upon receipt. It may not be much money per person, but it is still stealing, and it nay add up to a lot if they are stealing from many customers.
01/08/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30127
 Web Older American
first loan by bayview loan services went up to 3 % XX/XX/XXXX to {$720.00}, then in XX/XX/XXXX went up again rate 3 % {$780.00} called no help try to get another mofification said no credit score to high -- -- i turned XXXX in XX/XX/XXXX as of XX/XX/XXXX i am no longer to pay school tax faxed info over 5x 's XX/XX/XXXX-also in XX/XX/XXXX i got another home insurance company info was called and faxed info lower insurance. called twice to bayview sence XX/XX/XXXX no help still say i need to pay XXXX by XX/XX/XXXX claim it takes over 30days i think they just want more money i try to speak to several people still no help say do not know about info..i will also reort to the XXXX.i have had nothing but problems with company they did help twice over 10yrs still need help.
01/10/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Loan not in my name, grand deed done XX/XX/XXXX and have power of attorney dated XX/XX/XXXX, know loan not in my name but power of attorney is exclusive for the loan, modification etc. faxed paperwork XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was all complete, have a rep but rarely calls back, always loosing paperwork etc. Called XX/XX/XXXX was on hold for over an hour, per california law loan was never reviewed for modification, rep was on vacation, transferred to 6 different departments, finally loss mitigation rep said would have a manager call me back the XX/XX/XXXX or XX/XX/XXXX, NO CALL! Paperwork was in before sale date, have proof of everything and yet to have a return call WITH MESSAGE LEFT! My cousin has been faxing, calling, faxing, yet no one responds back!
07/20/2020 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90266
 Web
Bayview Loan Servicing ( XXXX ) contacted me via phone regarding a delinquent mortgage they were attempting to collect. I do not have a mortgage. Bayview called my number because the name associated with the mortgage they were attempting to collect matched my name. Other than the same name there was no other association with the debt. Since I don't have a mortgage, or any other debt, there was no basis to associate my phone number with the person Bayview was seeking. There was clearly no diligence conducted on Bayview 's part related to my association with the debt or the Do Not Call list prior to calling me. When I asked how they obtained my number, given I didn't have a mortgage, and why they didn't check the DNC directory, the representative became belligerent.
05/16/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 93638
 Web
Borrowers mortgage loan is delinquent. They received a Notice of Default and Intent to Accelerate on XXXX XXXX , 2017 . The letter referenced a Loss Mitigation Specialist available to provide additional information. Borrowers called that day and were on hold for over half an hour. This is not the first experience where they were unable to speak to a Bayview representative. Borrowers have previously been on long holds, calls not answered, or disconnected. Borrowers also dispute Bayview 's accounting to cure the default. Borrowers have conducted their own accounting of amount due to cure the default. The borrowers ' accounting is a lot lower than the amounts stated by Bayview on XXXX XXXX , XXXX , and XXXX ( all written stated amounts are different ).
11/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95376
 Web
On XX/XX/2021, Community Loan Servicing ( FKA Baywide Loan Servicing ) Provided a response to my original complaint ( Reg # XXXX ) indicated they are working through an internal process to see if I am considered a successor in interest or, in the alternative if I can complete an assumption package. However, Community Loan Servicing LLC did not indicate that they would stop all foreclosure action on my home while their review is in process. This is unfair, unethical and I am asking for confirmation that foreclosure action be stopped while this detailed review and solution process is being worked through. As an important note, Community Loan Servicing LLC was fully aware of the transfer of ownership well before my complaint. Please hold all foreclosure action.
06/01/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 91320
 Web
Loan Servicers XXXX XXXX Bank and Bayview Loan Servicing XXXX did not provide adequate notice of loan changes and also misrepresented information in letters sent to us. XXXX XXXX Our loan was sold to XXXX XXXX and in the initial letter we were told to continue sending our payments to XXXX and same address. After sending payment a XXXX days later the payment was kicked back by XXXX. It was then we found out that Bayview was now servicing our loan. Bayview and XXXX both violated federal law by not notifying us in time of changes in our loan and payment information. XXXX XXXX Bayview Loan servicing did not provide the required XXXX day notice that our payment amount was changing due to the XXXX year ARM ending and rate reset. Also, another violation of federal law.
06/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CO
  • 816XX
 Web
I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to me.
04/20/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Settlement process and costs
  • WA
  • 98118
 Web
XXXX sold my loan to XXXX two years ago XX/XX/XXXX after accepting me into short sale ; XXXX honored short sale but shortly after started displaying predatory lending practices. Offer on my house made XX/XX/XXXX for over asking price and to this day, still have n't closed. XXXX asked for same info every XXXX days ; claimed the XXXX inspection was n't done but in fact the inspector said he was asked to say he " lost '' information, etc. I believe they are trying to force a foreclosure. I would have never moved out back last year if they did n't say closing would be in XXXX days. I am still paying bills associated with that house ( not mortgage ) and I know under the program I would have qualified for moving expenses. I feel dubbed and am doing the right thing.
05/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 17055
 Web Older American, Servicemember
Prior complaint XXXX , Bayview does not apply payments correctly. They hold payments and suspense money over the mortgage amount.They are saying I owe for XXXX from XXXX 2017 . We have never missed a payment, we paid bi-weekly with prior company and are years ahead on the mortgage. When I call in and complain they block me from their website. They are sending me foreclosure notices and were calling me for payments even though I do n't owe them. Of note also is they were using the wrong interest rate a supposedly corrected it. I am paying interest on a principal balance that does not include the money they are putting in suspense. They have always had sloppy accounting however it has gotten worst since they sold the mortgage to XXXX XXXX
11/06/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29485
 Web Older American
It is our belief that Bayview Loan Serving, LLC has been violating The Federal RESPA Act multiple times regarding our account. A ) Refusing to provide mortgage Statements even after Chapter XXXX discharge five months ago. B ) Failure to respond to written requests for statements and information. C ) Sent one delinquent letter in error and apologizing once over the phone and not sending a letter of apology. D ) Refusing now, not to speak with us via telephone ; telling us they will only communicate with an attorney. All payments were made at the end of each month for payments due on the XXXX and all were sent certified and signed prior to due date. Our most recent payment for XXXX XXXX was sent and received but they have not been deposited in our account.
09/23/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • NJ
  • 074XX
 Web
my loan with bayview loan servicing was sold to XXXX on XX/XX/2015 according to XXXX there was no escrow in my account to transfer to XXXX.my mortgage was then increased by XXXX as you have to have XXXX to start escrow .I can not understand what happened to the escrow acct with bayview loan servicing.i get help from nj tax freeze every year. I can not understand if I had to have XXXX. XXXX for escrow to started with XXXX did I have extra money the the bayview account. also my mortgage was sold to XXXX 2x in one month what is that all about.also I would like this resolved with bayview as it has really messed up my loan with XXXX. I have contacted the dept of banking reguarding both of these companys. as I think they should not be allowed to be in business.
10/18/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • 07751
 Web
The bank keeps dragging there feet with documents. Every XXXX weeks they seem to have another document that expires. So it starts the whole documentation process over and it has become very uncomfortable with an auction date of XXXX XXXX on my home. I really need help, i had someone at XXXX contacted by the CFPB and that helped but now that is not really helping any more. I do not know what to do about this any longer. My consumer advocate at XXXX contacted me on XXXX/XXXX/XXXX and notified me i was in final review and they no longer needed papers. The same day they are now claiming underwriting issued updates needed on XXXX documents, i think that is ridiculous. This is the XXXX time they did this to me, the XXXX time was in late XXXX XXXX. Please help.
09/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11213
 Web
After being in default for several years, DUE TO THE FACT THAT BANK WAS INSISTING THAT I PAY FRAUDULENT CHARGES, I had no choice but to reinstate my loan in order to save my home. However, the reinstatement quote included unsubstantiated and undocumented legal and other fees, and I suspect escrow inaccuracies. I have documentation ( attached ) to prove previous fraudulent billing for legal expenses and fees that were not incurred, however when I request the servicer to provide substantiation of amounts they are trying to bill me, they try to hide behind " attorney-client privilege '', which should not apply if I am the one being asked to pay for it, especially since I have evidence of fraudulent billing from the beginning of the foreclosure process.
07/05/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • GA
  • 31088
 Web
I am the executor of an estate that is in a foreclosure status with a sale date of XXXX XXXX. We received documentation back in XXXX 2013 that the property had been paid in full prior to Bayview Loan Servicing , LLC acquired it from a portfolio I was told they bought. One asset manager tells me Bayview is the owner of the property and the servicer while another tells me that they are subservicing it for XXXX XXXX XXXX, which XXXX denies. The foreclosure notification and any paperwork that Bayview or their attorney sends to me states that XXXX holds the note, which I know is not correct. They were the trustee for a trust that the mortgage was in at one time. It has since been dissolved. I need assistance with having this alleged lien cancelled/satisfied.
04/07/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19720
 Web
My account was discharged in bankruptcy and court ordered that all debts have been paid. Bayview Loan Servicing corrected all information on my credit report per court and lawyer and then when I was in the middle of doing a refi i find that they changed all of the information on my credit report. They now removed all information showing that it was in bankruptcy, They put that my account is 150 days past due, my mortgage payment is {$300.00} higher than the actual amount. I feel that they are doing this constantly to keep me from refinancing to another company. I have contacted a lawyer and am preparing to sue the company. I am highly stressed and distraught over this entire process. They are reporting fictitious and different information every month.
10/29/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33547
 Web
I had a mortgage with Bayview Loan Servicing loan number was XXXX. I requested information from them in reguards to the payment history that is reporting on my credit file. The bureaus are not reporting the full history and I believe it to be past the statute of limitations. I requested the full payment history from Bayview since the bureaus are not reporting it and what they sent was only an acknowledgement letter. I never received any type of payment history to match with what they are sending the the bureaus. I have attached a copy of the letter where they indicated that the proposed resoultion would be by XX/XX/2020 or if additional time was needed they would send me notice of that as well. I did not receive anything other than what was attached.
11/01/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NJ
  • 08844
 Web
I closed on a short sale for two mortgages on XX/XX/20 one with Bayview community service and one with XXXX XXXX. I have all the documents from the short sale and I can add them below. Now the problem is the first mortgage satisfaction of mortgage is still not recorded as of today XX/XX/20. That's over 30 days with no recorded mortgage. The second mortgage with XXXX XXXX was recorded and sent me a copy of record on XX/XX/20. I have called Bayview and my loan representative 3 times in 10 days and her voicemail says she will return a call in 24 hours. Her name is XXXX XXXX. her direct number is XXXX. The longer they take to record my satisfaction of mortgage the longer I wait in my three year period. The fact they wont return a call is pathetic.
09/15/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • MO
  • 631XX
 Web Older American
For years, XXXX automatically deducted my mortgage with no problems. But before Bayview took over, XXXX sent me a statement ( which I confirmed by phone call ) that my payment as of XXXX/XXXX/2015 would be {$610.00} instead of the current {$660.00}. Bayview bills me {$660.00} & does n't explain the discrepancy. I 'm inundated with letters repeating the same stuff & incorrect information from the loan counselor. Recenty, I got a letter that my account was transferred to another company & been waiting for details on who to pay for XX/XX/XXXX. Yesterday, Bayview sent a loan modification application for which they 've previously said I did n't qualify. In XXXX, transactions with the current servicer has me confused, stressed out, & suspicious.
05/25/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • ID
  • 836XX
 Web
On XX/XX/XXXX, I provided a cashiers check in the full amount of endebtedness outstanding of {$62000.00} payable to Bayview Loan Servicing LLC to XXXX XXXX XXXX XXXX to stop a trustee sale of the property at XXXX XXXX XXXX XXXX XXXX, Idaho XXXX that I received by deed from the prior bankrupt owner as part of a Bankruptcy Court ordered settlement of my judgments against the prior bankrupt owner. Because I paid off the entire loan, Bayview should have recorded a release of their deed of trust. In XX/XX/XXXX, I am attempting to refinance my property, and title shows that the deed of trust has never been released. My title company has been contacting Bayview for months with no results. Can CFPB get Bayview to release the paid off deed of trust?
05/22/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • XXXXX
 Web
The following is the complaint that I sent to OCC about my mortgage : " On XX/XX/XXXX, I began making trial payments to Bayview Bank. No payments have ever been attributed to any account. On XX/XX/XXXX, after 15 payments on time, Bayview Bank refused to continue taking my payments, I have no idea why? In XX/XX/XXXX, I hired an attorney to help me get answers and resolve this issue. However, nothing has change, instead of extending a mortgage modification, Bayview Bank has continuously added late fees, penalties, attorney cost monthly which is now approx. {$51000.00}. I need know why they stopped taking my payments? And, why they refused to give me a mortgage modification? I need your help and please assist me in any way possible. Thank you. ''
02/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11219
 Web
I have worked months with Community Loan Servicing to get my Loan modification agreement, I had told them that my loan is being transferred to XXXX XXXX XXXX and I need to get it done before its being transferred so I should not have issues with the new servicer but they kept telling me that the new servicer will have to honor it, I finally got the Loan modification agreement docs on XX/XX/XXXX, I have sent it back on XX/XX/XXXX and Community Loan Servicing had executed it later, the loan was transferred on the XXXX of XX/XX/XXXX and they have not provided the Loan modification agreement information to new servicer which is XXXX XXXX XXXX the new servicer are still waiting for them to give them the information so they can update their system.
01/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
Bayview LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Once again we cant get Bayview to service their loan unless we file a CFPB complaint. Even Bayviews own attorney is frustrated with Bayview. The attorney informed Bayview several times over the last week - to remove the litigation flags preventing Bayview from speaking with us. Bayview is ignoring their own attorney and is refusing to remove the litigation flags, and therefore speaking to us, XXXX XXXX XXXX, as an authorized third party. There is a foreclosure date coming up very quickly and we simply do not have time to allow Bayview to continue playing these games. XXXX It is apparent that Bayview is ignoring their own attorney in order to force this property into foreclosure.
05/05/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33313
 Web
My mortgage have been transferred from chase to bayviewloan LLC last XX/XX/XXXX. My monthly payment with XXXX was {$420.00}, in XX/XX/XXXX i paid bayview {$420.00}, by XX/XX/XXXX bayview decided to increase the monthly payment to {$480.00}. For XX/XX/XXXX, they sent a statement {$500.00}. I call them no one seemed to have an answer on why the mortgage keeps charging. My original loan was modified on XX/XX/XXXX at 3 % for the first 5 years, 4 % XX/XX/XXXX and 4.5 % that will start XX/XX/XXXX and the woll will remain the same until the loan is paid off. The mortgage was recast last XX/XX/XXXX, XXXX canceled the pmi. Even though XXXX forwarded all the doctor to the new lender. They decided to violate the contract. I need help please.
02/11/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • FL
  • 33308
 Web
Bayview Loan Servicing a Debt Collector sent more than XXXX dunning letters and demands regarding an alleged debt that does not exist. Bayview is a debt collector that does not have prior consent to communicate with me. Bayview has also used several names and different account numbers regarding the same alleged illegal debt. Bayview must obtain verification from the original Creditor, 1692g ( a ), original loan level documents, additionally provide its own validation in compliance with the FDCPA. Verification must be sworn to under oath or affirmation as required. Bayview has been given ten days to comply. If failure to do so, Bayview 's alleged debt will be permanently barred and all expenses, costs, damages and fees will be billed.
06/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Bayview Loan Servicing and XXXX XXXX XXXX Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
03/01/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30680
 Web
With my previous mortgage servicing I was under the forbearance plan, my loan was then sold to community loan. it has been a struggle to get any communication with them. In XXXX I signed and returned my loan modification documents at the end of my forbearance plan, by signing this documents I was agreeing to the terms being provided to me, and I agreed that I would be able to make the monthly payments. My first payment ( {$1300.00} ) under this agreement would be due on XX/XX/22. upon logging into my account to make a payment, I noticed the amount due did not match the the payment ( {$1500.00} ) agreement I signed on the loan modification document. I have tried reaching out via emails, and phone calls and never get a response.
02/24/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 190XX
 Web
I called Bayview Loan Servicing to get foreclosure information. The assest manager told me to lock up and leave my house because the sheriff is coming at any time. I do n't have any mail indicating a sheriff 's sale. He told me that I did n't want my house because I have n't paid. He told me that there 's no one else that I can speak with because he 's the assest manager. Bayview took ownership of my home while I was living in another country in 2015 and they completed the paperwork incorrectly. PA is a notary state. I could n't get the document notarized because I lived in another country and they placed that document in my paperwork when they took over the loan and it was signed by someone else with another property listed.
08/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91941
 Web
Three ( 3 ) mortgage servicers erroneously reported my mortgage as late on various dates ; beginning from XX/XX/XXXX through XX/XX/XXXX. I engaged a law firm to conduct a formal and written audit as the account was serviced and transferred from each servicer. Upon receiving the report showing substantial inaccuracies in the servicers reporting of those mortgage payment lates, I first disputed them with the three credit bureaus ; beginning on XX/XX/XXXX. When the credit reporting was not corrected, I then ( in writing ) began disputing the erroneous information directly with the servicers on XX/XX/XXXX, including a copy of the audit report. To date, the servicers and the credit bureaus have not corrected the information.
08/08/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 95670
 Web
I HAVE APPLIED FOR FINANCIAL ASSISTANCE TO SAVE MY HOME WITH BAYVIEW, I HAVE COMPLIED TO THE NUMEROUS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT THEY HAVE DEEMED MY FILE COMPLETE WITH RECEIVING ALL DOCUMENTS NEEDED TO SEND MY FILE TO THE UNDERWRITING DEPARTMENT. THIS WAS DONE AND CONFIRMED ON EVERY CALL SINCE XX/XX/18. I WAS TOLD THAT THEY WILL HAVE A DECISION WITHIN 30 DAYS SENT TO UNDERWRITING, I HAVE REVIEWED THE FHA HANDBOOK FOR MODIFICATIONS TO DOUBLE CHECK AND THEY HAD ONLY 30 DAYS TO ISSUE A DECISION. THEY ARE WAY OVER THAT GOING ON 2 MONTHS HERE IN A FEW DAYS, ALL THEY SAY IS WE ARE BEHIND. THAT HAS NOTHING TO DO WITH ME THAT THEY ARE BEHIND AND THEN THEY START GETTING RUDE AS IF I AM BUGGING THEM TO DO THEIR JOB.
04/15/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • VA
  • 228XX
 Web Older American, Servicemember
After requesting XXXX XXXX XXXX to modify our mortgage through principal reduction, our account was transferred to Bayview Loan Servicing , LLC which advertises that it provides principal reduction alternatives. We applied, submitted all the required supportive information, specifically requesting a principal reduction, and were offered a false modification opportunity that did nothing to reduce the principal. The market value of our home is approximately {$90000.00} less than the current mortgage principal of {$300000.00}. We provided county assessments, regional sales of similar properties, insurance values, and hardship and financial documents, all for not. We need help getting out of being underwater on our mortgage.
06/12/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • KS
  • 67217
 Web
In XX/XX/XXXX, I lost my job and was unable to keep up with mortgage payments. Upon contacting Bayview Loan Servicing and informing them that I may have a hard time making full payments they suggested I make an application for the loan modification program. I submitted the application in XX/XX/XXXX for same. After having submitted XXXX complete loan modifications to Bayview Loan Servicing and receiving some excuse or delay from them each time, it became apparent to me that they were not going to help me but instead actually put me in deeper financial trouble. I purchased the home in XX/XX/XXXX paying {$68000.00} for the property. Bayview now informs me that the payoff is in excess of {$74000.00} and they want the property.
11/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • XXXXX
 Web
XXXX XXXX in your letter dated XX/XX/XXXX you state " community loan servicing will stop stop accepting mortgage payments after XX/XX/XXXX " is that a false statement? XXXX XXXX Community Loan servicing makes money when they service these types of loans a couple of months after XXXX XXXX issuance of a check for {$2200.00} you abruptly transferred this mortgage to another servicer tell me the original date that you started preparation to transfer this mortgage on XX/XX/XXXX Additionally starting XXXX of XXXX you backed into approximately XXXX mortgage payments going back XXXX months where did you get the {$840.00} to make those XXXX mortgage payments Show me the transaction history from XX/XX/XXXX through XXXX of XXXX
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32712
 Web
My consumer report has been improperly used and my rights have been violated. In accordance to 15 USC 6801, 6802, I was supposed to be given the appropriate notices to report anything on my Consumer Report, then be given the option to opt-in or optout of allowing that information to be reported to my consumer report and then given the exact process to be able to optout securely. 1. XXXX XXXX 2. Community Loan Servicing I need for all of this information to be removed from my consumer report. In addition, there's one reporting in particular I never even heard from and they have not responded to the certified letter I sent them a month ago. They need to be removed from my consumer report as well. 1. XXXX XXXX XXXX XXXX
01/10/2018 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 32818
 Web Older American, Servicemember
This company is the second mortgage lien holder on our home and do not have or will not provide a copy of the mortgage note to the first lien holder at my request. They were contacted in the beginning of XXXX XXXX with a request for a subordination and a copy of the note. The first lien holder paid for the documents on XXXX XXXX XXXX and received the subordination in late XXXX. We are still waiting for them to receive a copy of the actual note. When I call them time and again, I am placed on hold for extended periods of time then told to call another department and get the same results. If this company does not have a copy of the note, what are our options? I understand that by law, they have to have a copy on file.
06/16/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 957XX
 Web
Community Loan LLC took over my mortgage from a transfer on XX/XX/XXXX from XXXX XXXX XXXX. My mortgage was in active forbearance and was current prior to this, no late payments or delinquent status. Upon the transfer, Community Loan marked my credit report for this account as currently 120-149 days past due. They then transferred my mortgage back to XXXX XXXX XX/XX/XXXX. XXXX XXXX then also began reporting my account as 120-149 days late but upon my dispute, XXXX XXXX corrected the error within hours. Community Loan confirmed the information was correct when I disputed with them. They refuse to remove the inaccurate mark of my account being past due. This is costing my dearly and causing me to be denied for lending.
03/22/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33156
 Web
My home was hit during Hurricane Irma as I was in evacuation area. We received over {$100000.00} of damage to our property. We asked for a forbearance as well as made a claim to our insurance provider. There are +- {$45000.00} at " Bayview '' which has not been released for much needed repairs to my home. For the last 3 weeks I've been emailing and calling my account rep to try and reinstate the past due balance and hopefully have the monies that are needed for repair released. To date I've not received either a call back or an email from my rep. This seems like a deliberate attempt to foreclose. All I have asked for is to reinstate and I cant even get my rep online, nor will ANYONE from Bayview return my call
10/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92128
 Web
I am in the process of refinancing my current mortgage. In order to make a financially sound decision, I need to know certain key information about my current loan including the amount of interest remaining on my loan from now until its maturity. To that end, I have called my current loan servicer, Bayview Loan Servicing ( Recently changed name to Community Loan Servicing ) on multiple occasions to obtain this key information about my loan. However, the loan servicer customer service agents have shown an unbelievable level of reluctance and incompetence, and to some degree outright refusal in helping me obtaining this information. As a result, I am not sure if I am making a correct decision in refinancing my loan.
12/30/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 23236
 Web
Today, XX/XX/2021 XXXX XXXX XXXX illegally changed the locks on my property, One of the inspectors sent notes and photos to my mortgage service company, Community Loan Services on XX/XX/XXXX or XXXX, 2021 indicating that my home, which I currently reside in, was vacant. The notes stated a empty trash can and leaves in the yard as a reason. After ONE attempt to view my property. No attempts were made to verify this as fact. Thankfully my dog was here prompting the XXXX XXXX XXXX working to call Animal Control stating that a dog was left in my home that was going through foreclosure. This is a lie. No foreclosure proceedings have been initiated for my home. I verified this today XX/XX/2021 with the mortgage company.
09/25/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60015
 Web
I submitted my original complaint about a month ago ... .still waiting on a resolution from XXXX ... .they have been very slow about getting back to me and giving me the information I have requested now ... ..2 times in certified mail ... ... .8 times verbally ... ..now 2 times with the CFPB. They are trying to collect about {$7400.00} labeled as ... .corporate advance, for fees that are not mine. They told me it was for either construction without permits ... ..which is untrue ... .. I have and submitted twice ... ... .or for foreclosure ... ..of which I was never in foreclosure on my property ... XXXX XXXX XXXX in XXXX XXXX They are dragging me along with no solid answers as to what the actual charges are for.
06/02/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CO
  • 809XX
 Web
On each of the mortgage statements from Bayview Loan Servicing for XXXX, XXXX, and XXXX 2015 is an added {$75.00} charge. The line in Account Information says " XXXX XXXX XXXX. '' The XXXX statement has a line in Transaction Activity for XXXX/XXXX/15 that says, " Miscellaneous foreclosure, Bankruptcy and XXXX Expense Disbursement. '' The other XXXX statements show no payout activity related to the charges. We are not in foreclosure or bankruptcy and our house is not a XXXX property. Therefore the charges are inappropriate. In addition, as of XXXX XXXX, 2015 Bayview is no longer including our outstanding balance on their statements, thereby denying us the ability to identify or evaluate any charges or balances.
04/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • XXXXX
 Web
This complaint is connected to one already filed but closed by CFPB # XXXX. There was no option to respond to response of the opposite party. The Complaint was filed against XXXX XXXX XXXX XXXX XXXX with Bayview Loan Servicing , LLC as an agent but to my surprise XXXX XXXX XXXX answered. XXXX claims that I have current account/loan number and they are entitled to answer to my complaint yet this is news to me because they were my servicer back in 2012 and I had 2 other servicers since then. Nowhere in my complaint, mortgage statements nor Complaint for Foreclosure exist the XXXX XXXX XXXX name. The situation is very confusing since alleged current servicer and previous servicer can not answer to my requests.
09/25/2017 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 91342
 Web Older American, Servicemember
1. Bayview Loan Servicing agreed to do a new appraisal 2. The value agreed with the offer of {>= $1,000,000} 3. Bayview denied some costs, but the agent will pay the costs from the Real Estate commission. 4. Bayview Loan Servicing indicated to give approval if some seller costs will be paid by someone other than them. 5. Why are they are desperately trying to sell the property at Foreclosure Auction at the same price, but refusing to give approval for the current buyer to close. 1. Bayview Loan Servicing gave conditions for approval and the conditions were accepted by the seller and the buyer, but they are delaying giving us approval, so that we can close, despite the fact that we have accepted their terms.
05/06/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30088
 Web
Hello my name is XXXX XXXX In XXXX of 2021 a company by the name of Community Loan Servicing XXXX XXXX XXXX De XXXX XXXX, XXXX XXXX Florida XXXX took over my mortgage. During this process this company reported to all 3 credit reporting agencies that my loan was delinquent 180 days. This problem continues to be reported and Ive have contacted this company who acknowledged their mistake in writing. This issue has be hurting my credit report since last year. They sent me a letter stating that they fixed this issue on two occasions. Ive been working on keeping my credit good & this problem has ruined years of hard work and consist payment history. I need someone help with this issue as soon as possible. Thanks
11/09/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 654XX
 Web
My house payment is due on the 1st of each month with a 15 day grace period. The month of XXXX 2017 my payment will not be made until the 14th. I spoke with an operator on the 7th and told her my payment would be made on the 14th due to the way pay periods fall for me this month. Later that day my wife received a phone call and I received another call when I was on my way home from work. The following day I received two more calls and informed the operator I already spoke with someone about the payment. I received another call on the 9th at XXXX a.m. This is absolutely harassing and I want it stopped. There is no reason for it and my mortgage is not in default and I have not even exceeded the grace period.
05/16/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • LA
  • 70471
 Web
There has been submittet XXXX XXXX XXXX XXXX payments on my mortgage in 2016 but the mortgage service company ( Bayview Loan Servicing ) claims only XXXX payments have been received. I have submitted copies of bank statements to Bayview, but I am unable to get the company to acknowledge that there has been made a mistake on their behalf. I have submitted several complaints to the company, but they have not provided any feedback. I have talked to more than XXXX customer service representatives but they are unwilling or too incompetent to help. Despite the fact that I have submitted documentation of payments the mortgage company claims a payment is missing and there is nothing more they can do to trace this.
01/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11590
 Web
I bought the home in XX/XX/XXXX. I always paid on time until The XXXX when my job was destroyed the XXXX XXXX XXXX XXXX. I was given unemployment for a period of time and I still made payments. After that time my daughter moved back home to help us meet our financial obligations. We sent complete financial packages to XXXX and while in the process of waiting for an answer the loan was transferred to a new Mortgage Servicer. They immediately went for a judgment of foreclosure and set a sale date XX/XX/XXXX, we had to file a Chapter XXXX to stop the sale. We did everything the new servicing company requested Bayview Loan Servicing. We are fighting to save our home. Please help us. Thank You XXXX XXXX
11/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • AZ
  • 85295
 Web
XXXX, XXXX I started this process. - Through electronic relations, I requested the mortgage being reported to be reviewed. Inaccurate information, my x-husbands was to carry the weight of the mortgage for he lived in the house. - The credit report changed but still remained in the report hurting my credit. XXXX, XXXX I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; I was on hold for over 48 hours. While I remained on hold I used 2 other phones to engage in 3 separate phone calls lasting between 3-5 hours on hold. On hold the entire time never engaging in conversation to help resolve my situation. I have a court order document - proving my x-husband to be the sole responsible party in this matter.
02/26/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30097
 Web
On XXXX XXXX my feelings were all over the place. I felt angry, deceived, and disrespected. I made an error on Complaint ID # XXXX and Im writing to correct it. My Loan Modification was approved on XX/XX/2018 and not XX/XX/2018, sorry about the error, but these 6 months dealing with XXXX XXXX XXXX has been pure XXXX. It was XX/XX/2018 when I received the call from XXXX XXXX claiming they didnt receive my XXXX payment. My XX/XX/2018 Payment was sitting in a Suspense Account. After praying to XXXX about all the chaos Im going through with XXXX XXXX XXXX, I realize this battle is not mines, its the Lord. I pray for all the people involved in wrongdoing, because I know that no good deed goes unpunished.
05/22/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60139
 Web
I have communicated with XXXX from bayview loan servicing on XXXX / XXXX / 2017 and told her that bayview loan servicing is doing fraud by charging me for insurance and not paying XXXX insurance. In XXXX 2017 I got a call from my insurance agents office stating that they havent received a payment for the insurance in the sum amount of XXXX XXXX . Consequently I made a payment of XXXX and this is reflected on my credit card statement. I have asked bayview loan servicing to please pay my money back plus the interest that they have charged me. But the attitude of bayview loan servicing is like of a XXXX . They are stubborn and they dont want to resolve their mistakes
12/14/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 492XX
 Web
BayView Loan Servicing acquired our loan in XX/XX/. I have made contact with the company, trying to make payment arrangements and apply for a loan modification. The company refused to communicate with me on either idea. We have never received any written communications, letters of default, or loss migration information that we are entitled to. I have tried to let them know we can make our payments and a little more each month to get caught up with no help from this company. The only notification I have received regarding my loan status was the notice put on my door on XX/XX/XXXX stating our house is being posted for public auction on XX/XX/XXXX. I have XXXX children and can not loose my home.
02/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • XXXXX
 Web
Bayview Loan Servicing , LLC has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX XXXX XXXX a/k/a XXXX.
04/06/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 328XX
 Web
NOTICE OF ERROR i was offered a loan modification in 2018 that would result in higher payments and extending the loan to a 40 yr mortgage although the interest rate was 2 points lower in 2018 the offer was at 5.675 giving no relief to me i would like them to review their offer and 1-explain how the payments were calculated 2-how much the 40 year mortgage would cost at the end of 40 years vs the {$78000.00} that remained on the mortgage when Bayview took over the loan 3-supply the NPV calculations 4-supply the application received for the Loan Modification which you used to calculate my income and expenses 5-how you calculated the value of the home 6-credit scores you used in your calculations
09/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90304
 Web
Today I recieved the letter from Bayview Loan Servicing about " Notice of Default and Intent to Accelerate '' alerting me that I'm in risk of default because I missed the payments since XX/XX/XXXX. Even though, when the loan modification was signed they adjusted the interest to 4 % and now they are trying to put me in default. A complain is already opened for them to adjust to 4 % instead of 5.62 % because they assumed it was a clerical error. It is definitely not an clerical error which they are trying to put me under default so they can proceed to foreclosure. Since the first modification I have made payments on time and now they are claiming I'am in default in the amount of {$20000.00}.
12/04/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • IL
  • 60629
 Web
Dear..ma am or sir. Imsending this e mail..because i feel my application for modification wasn t..handled in a fair and just manner ... i was told i sas denied the modification because they didn t receive all my documents..i was never notified about the modification being denied or the foreclosure or the sale of my property..until.another party came to my property and told my tenants not to communicate with me and mot to pay me any rent they currently not accepting any documents..or giving me a chance to redeem my property my name is XXXX XXXX loan # XXXX the address XXXX XXXX XXXX XXXX XXXX XXXX ph XXXX XXXX XXXX your urgent response to this matter would be greatly appreciated. Sincerely..
05/13/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • XXXXX
 Web
I CLEARLY EXPLAINED ABOUT MISTAKE BEING MADE BY THE BANKER, GETTING A PARTIAL PAYMENT OF WHAT HE WANTED INSTEAD OF " THE FULL PAYMENT AS I REQUESTED '' JUST AFTER I MENTIONED TO HIM THAT I NEED TO HAVE MY ACCOUNT CURRENT BECAUSE IT WAS ON ASSUMPTION PROCESS. HOW HARD IS TO UNDERSTAND THAT PART??????? MISTAKE THAT AFTER I CONTACTED BACK OTHER BANKER APOLOGIZED ABOUT IT AND TOOK THE EXACT AMOUNT THAT WAS MISSING BY ACCIDENT AS HE MENTIONED BECAUSE I ASKED HIM TO CHECK THE CALL RECORDED. *HE ALSO PROMISED THAT IT WON'T AFFECT ANYTHING TO MY ACCOUNT BECAUSE HE MADE A NOTE ABOUT THAT PREVIOUS MISTAKE. I'M ATTACHING A DOCUMENT WITH MY NOTES AND NOT MAKING A BIG DEAL. PLEASE CHECK ON THEM.
11/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90037
 Web
I applied for Chapter XXXX in XX/XX/XXXX, completed my payments, and was reaffirmed and then discharged in XX/XX/XXXX with all arrears paid through the bankruptcy. ( attachment 1 ). I continued to make my mortgage payments through ACH debit to Bayview without issues until XX/XX/XXXX ; when they began rejecting my payments without explantion ( attachment 2 ). My bankruptcy attorney attempted to assist me with resolving this however, Bayview refused to respond to his inquiries, recorded a Notice of Default, and demanded the total amount due ( attachment 3 ). They have now recorded a Notice of Trustee Sale ( attachment D ) on my property and I am forced to consult a litigation attorney.
12/16/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 177XX
 Web
My mother XXXX XXXX in XX/XX/XXXX, prior to that she was ill from one of those new pharmaceuticals. I did not have power of attorney to pay the mortgage, so it got behind. When I tried to make payments after she XXXX, they still had the mortgage in her name and SOCIAL SECURITY NUMBER, so I coul n't access the account to try and make payments. The company then foreclosed on XX/XX/XXXX. We have been issued an eviction notice, but we 're unsure of when that will be carried out. I have contacted legal aid to get a temporary restraining order on the eviction. The collection agency has been unwilling to help, and I have tried to refinance his loan through HARP. That is along process, though.
11/26/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 341XX
 Web
I received a permanent loan modification on XX/XX/2016 from Bayview Loan Servicing LLC. I made all the trial payments according to the requirements and signed a new loan contract with Bayview which detailed all the financial requirements of the new loan. All financials were provided and detailed and made available. I have been making on going on-time payments since that time. However, I recently received a statement requiring me to pay {$390.00} for a " Rec. Corp. Advance. '' I inquired about this fee and the agent said it was a bill that was due prior to the loan modification. Why was this not included, then, in my loan and made known to me then? I do not believe this bill is valid.
11/05/2017 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60504
 Web
Bayview Loan provided a response to a complaint filed with Cfpb which contained inaccurate information : Stated Debt Validation was provided, but only provided THE EXACT SAME, original debt letter with a different date. Bayview then proceeded to immediately collect on the debt and provide Cfpb with a letter stating they addressed the issue. I have provided both letters, originally dated XX/XX/2017, and response to my request for validation, XX/XX/2017. You will notice both letters are the same. Bayview Loan failed to credit two payments as the date received, instead of misrepresenting the received date. I am providing proof of receipt of both XX/XX/XXXX and XX/XX/XXXX payments.
08/13/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33311
 Web
owner XXXX XXXX file compliant against bayview loan servicing for predatory lending practice. hoepa home ownership and equity protection act of 1994. and tila truth in lending act violation of both hoepa and tila 1 ) high interst rate 2 ) high escrow charges fees and unreasonable late fees respa real estate settlement procedure act 1 ) past due amout and excessive charges unearned and duplicate fees violation of section regulation x improper charges and improper fees. owner request to publish this information to other victims if you are interested in bring a class action lawsuite against bayview loan servicing please be willing to sign petitions and call me XXXX at XXXX thank you
07/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23228
 Web
XX/XX/2017 to the present we have been charged a corporate advance fee with a total amount exceeding {$27000.00}. We have been told that this fee covers fees charged by the servicer but have never been given an itemized statement showing why these fees are justified. We have had problems through the years with employment, change of employment, lack of employment, health issues and reduced income. We are currently in a payment plan and on two months from being done, our payments are {$1400.00} a month for 6 months. We are seeking an explanation an audit of our mortgage, money to be returned or credited back to our account and the information to contact our servicer ourselves.
06/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Bayview Loan Servicing has violated several federal and state laws when providing responses to multiple complaints and Qualified Written Request filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing ha s also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
05/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
Since XXXX of XXXX my XXXX and I have been dealing with the idiots at Bayview Loan Servicing about becoming a successor of interest. In XX/XX/XXXX XXXX XXXX as a courtesy made my XXXX a successor. Bayview then hired an attorney and attached is his letter showing that I am an owner in the property which I have been claiming for months. As you can see from XXXX XXXX the XXXX at Bayview per her letter I have no interest however there own attorney disputes that finding. Close these XXXX down. Also the Consumer Finance Agency has in place laws to quickly determine successors and I do not believe that almost 20 months is quickly. Bayviews own attorney has proven our case Thank you
04/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
In XXXX XXXX response on XXXX, XXXX to my request submitted in XXXX he does not supply the info i requested : on XX/XX/XXXX i rec 'd a statement dated XX/XX/XXXX with a reinstatement fee of {$40000.00} they refuse to give a breakdown of how that fee is calculated i have asked in the past for a explanation of escrow balance late charge balance XXXX XXXX XXXX unapplied funds but they refuse which is a violation of the CFPB instead he sends a copy of my mortgage and states i can contact them by phone or send a letter, well if you refuse to respond to my letters i have to use CFPB to request the info, and as shown in your response you still refuse to supply the information
07/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 371XX
 Web
My husband had his 3rd XXXX XXXX on XX/XX/2019. He was on XXXX XXXX. with reduced income till XX/XX/2019. When he returned to work he was Fired! We were already behind on the mortgage before his XXXX. My husband is working full time again & I work part-time. My mortgage company is Bayview. I have applied 3 times for a modification. Bayview responds back with higher monthly payments to get us caught up. My current payment is {$1300.00} with 5 % interest. We cant afford this much less a higher payment. If Bayview would put my late payments @ the end of my loan & lower my interest rate we could afford it! We owe about {$130000.00}. We have lived in our house for 14years.
10/20/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 91505
 Web
Negligent negotiator assigned to the account and after a 60 day extension was given on the file, the lender has retracted from their agreement and issued a foreclosure sale date for 30 days demanding we close escrow prior to the foreclosure sale date. Short sale negotiator is asking for documents that have either already been submitted or are ridiculous such as " a list identifying all parties in the transaction '' and XXXX documents when the property is not in a XXXX. We previously had to escalate the file because of this negotiator because she consistently told us the property was just going to foreclose rather than trying to help us. Negotiator 's name is XXXX XXXX.
09/18/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
XXXX XXXX Bayview do not combine this response with any other request do not send document that are not requested do not send copies of the mortgage do not send Bayview statements do not send a account history do not send frivolous documents not requested, send your response in writing as mentioned numerous time via USPS. In your Reinstatement Letter dated XX/XX/2018 attached send the breakdown of {$9800.00}, 1-specify each month the total amount due with the breakdown for principal, interest, escrow 2-identify the month amount of each late charges totaling {$250.00} 3-what month are you forecasting a late payment {$42.00} 4-breakdown of the other funds of {$250.00}
08/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • XXXXX
 Web
Dear Bayview I appreciate you assisting me with tax accessor office. Unfortunately the tax information is not corrected in tax accessor records therefore updating mailing address is impossible. It appears to be an attempt to steal my home. There is no record in XXXX XXXX XXXX ( called today ) file that anyone filed a claim or followed procedure regarding my Condominium Rider. I was in bankruptcy in 2009 when my address was added to a lawsuit I was not a party of. The court corrected/void documents which no longer affect title. As soon as another agency/third party completes investigation and confirm my ownership a new story or letters do starts all over again.
03/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 300XX
 Web
My home is being foreclosure on with a robo signed assignment. The loan was acquired by XXXX XXXX, and it was one the loan that was apart of the XXXX XXXX settlement with the Department of Justices. The assignment was created XX/XX/XXXX and the cutoff date for the trust filed with the U.S .SEC was in XX/XX/XXXX. The agreement said it had to conveyed 90 days befor the cut off date. This assignment was conveyed 5 year after the cut off date in section 201 of the pooling and Service agreement. I mailed both XXXX XXXX XXXX XXXX, and Bayview Loan a QWR / Proof of Claim request. I also asked that the loan be restructured with a lower rate, so my payment will be affordable
08/18/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • OH
  • 43068
 Web
I 've been trying to complete home modification since 2011. I have never been told trial payments were to begin by Mortgage XXXX XXXX with Bayview loans, previously XXXX, and XXXX. The amount past due XXXX, Now new XXXX is XXXX, which was original amount of Loan. Please inquire of accounting, why no reduction in payment since I 'm XXXX % lower on my income. How they keep filing BKR each 6mos decreasing my credit score and foreclosure completed. I 'm always some paper XXXX not includet, when I well aware yrs what I need. I need to keep my home. Is there any financial assitance. Can I have referred to OFHA. I Really appreciate assistance and need to see if this can go
04/22/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MA
  • 027XX
 Web
Applied for a modification, was told I have exceeded my modification limit. Second, was told when I applied that I was not delinquent with mortgage. I was on my second month behind. That is misleading, why in the beginning did they not tell me I was not a candidate. My yearly income is {$XXXX}. First time around they calculated into 4 weeks, now they want to divided daily amount. My monthly expenses are {$4700.00}. My wife has left me to care for XXXX kids with no help, they think it 's not a reason. I love my house and it 's not the best looking in the neighborhood. I 'm trying very, very hard to stay here and raise my kids. I need help and feel no where to turn.
03/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 20170
 Web
For more than seventeen months, I been trying to obtain a loan mod with my current service Bayview mortgage, I explained and documented my hardship, however, servicer never works with me to find any reasonable solution. Recently my last submission was denied and servicer stated that was no loan mod possible to reduce my current mortgage payment. My intention since almost the beginning was to obtain assistance to bring my mortgage current, and NOT to reduce my mortgage payment ; I insisted on this particular point several times but looks that never it was considered by my servicer. My investor is XXXX XXXX, my case was submitted using XXXX XXXX XXXX for accuracy.
07/15/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33177
 Web Older American, Servicemember
Bayview had foreclosed on my home with forged and altered document and now have my house waiting to put up for sale, for the judge granted a final judgment on the plaintiff behalf, but refuses evidentiary hearing on how the plaintiff come about the assignment mortgage, back dating of false document, note without alonge, not chain of title.Debt Validation Letter, no response, and XXXX no response, enclosed with documents to support my claim. And XXXX XXXX XXXX who is authorized to give me a grant XXXX but instead a loan which they are not authorized but they did it anyway. So, my purpose is to let the CFPB know that I wants to have an Administrative Proceeding.
03/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 017XX
 Web
I had an outstanding late balance with Bayview of {$1800.00}. ( Actually from ocwen ) On XX/XX/20 I paid late charge balance of {$1800.00}. I have the canceled check as proof. On XX/XX/20 Bayview issued a statement ( attached ) ) and indicated it was not paid. I called customer service and asked if they could update the account on. XX/XX/20. The representative apologized and said there was nothing he could do. I also asked him for a copy of my escrow statement and he was also unable to send the document. I looked for the document online and there was no copy. Im requesting a review of the escrow account as well as update the payment of {$1800.00} Thank you
07/26/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 12550
 Web
We opened up a claim against our mortgage company, Bayview Loan Servicing , LLC in XX/XX/2018. When our PMI was finally canceled, our loan-to-value ratio was at 67 %. We requested a refund from the time that our PMI should have been canceled, 78 %. We did receive a refund at the 75 % point. We were told that in NYS, automatic termination takes place at 75 %. We inquired and were told it is because we live in NY. However, after further research, their own paperwork, and the NYS website, it says that when Federal and State law come in conflict, that the clause more favorable to the homeowner would apply. Federal law states that PMI will be terminated at 78 %.
04/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80228
 Web Older American
I set up a re-payment plan with Bayview Loan servicing and made the final payment on XX/XX/XXXX of the re-payment schedule. I was told at that time that my mortgage was current. Today on XX/XX/XXXXI get a bill in the mail and they are still looking for twice the amount of money after I was told that the payments would go back to XXXX on XX/XX/XXXX. As you can see by the statement that I am enclosing this is not the case and Bayview has breached the agreement because this was an agreement to make the loan current I have been paying more money and still the loan is not current. With all the complaints that you get why can't you shut these people down?????
04/07/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 334XX
 Web
on XXXX I contacted BAYVIEW LOAN SERVICING , LLC about the Law that was passed On XX/XX/2020, the United States Senate passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), aimed at providing financial relief to the American people and American businesses in response to the economic fallout from the fast-developing coronavirus ( COVID-19 ) pandemic.THIS law includes THE MORTAGE DEFFERMENT ACT. and the 3 reps. that I spoke with said that this company is not going to comply with the executive order signed by President Trump. this company is litsed 501c3 non profit. they should comply with the executive order being a non pofit entity
07/10/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IL
  • 628XX
 Web Older American
I am in active chapter XXXX bankruptcy. Bayview refuses to provide any information about my loan ( distribution of funds, current balance, payoff amount ).

I have several prospective buyers for my house, but can not discuss offers without knowing the payoff amount. Bayview said they will only provide that information to my attorney.

My attorney sent a request to Bayview last week, but to date there has been no response.

I am concerned that I may lose a prospective sale due to Bayview 's lackadaisical attitude and notoriously terrible customer service. I am trying to sell my house so I wo n't have to deal with this useless company ever again.

03/07/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92563
 Web Servicemember
I received a bill from my loan servicer for {$54000.00}. They are charging me for legal fee 's for correcting a lot mix up by the builder. I got a lawyer through XXXX XXXX XXXX to handle the proceedings. Before things were final I received several bills. We responded twice, asking them why we are being charged these fee 's. They responded with a break down of the legal fee 's concerning this case. During this process Bayview has done nothing but prolong the case and cause my husband and I unnecessary stress. I called XXXX XXXX XXXX for advice and they told me that Bayview has been nothing problems and in many instances were in violation of my contract.
11/01/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • MI
  • 496XX
 Web Older American
This is reference case # XXXX. I did n't know how to amend the complaint with additional information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned their Mortgage to Bay View Loan Servicing, LLc, and it was recorded. Bay View Loan Servicing LLC. assigned the Mortgage to XXXX XXXX XXXX XXXX. The assignment was not recorded with the register of deeds. XXXX XXXX closed our acct. as their lien was extinguished. However when a title search is conducted, Bay View shows up as a lien holder on the property. We can not get a loan or sell the property with this showing up on the title search. Please, how do we rectify this? The Lien is Extinguished.
08/30/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 94605
 Web Older American
I submitted an " error notice '' to the mortgage servicing company regarding a payment they applied to the wrong loan number. They sent a letter after some time acknowledging the mistake, but claiming they will be reversing and reapplying all charges from a date one month before up to the present. They then calculated that they only owe me a refund that is {$660.00} less than the amount of the " misapplied '' loan payment. They sent me the check in the amount of {$1200.00} and at the same time, sent me a NOTICE OF DEFAULT AND INTENT TO ACCELARATE stating I owe them {$1100.00}, made up of the {$1200.00} minus a {$160.00} Corporate Advance balance.
03/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33054
 Web
My complaint is against the company that holds mortgage Bay view Loan Servicing. The company is very unprofessional and is always providing incorrect information and misplacing documents. However this complaint is reference to harassing collection call. My mortgage is due on the XXXX of each month and I have a grace period till XXXX of each month. Bay view begins making collections call on the XXXX. The calls are excessive 6 -- 7 calls a day every hour on the hour. I understand that the payment is late but this has to be some form of harassment. One call and a message is appropriate. Please contact this company about their collection call process.
07/27/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38125
 Web
I have been working with my mortgage company on a request to modify the mortgage. I 've submitted financials and the request several times I 've spoken with 3 servicers trying to save my home. My mother passed a year and a half ago from XXXX and I 'm her son that is living in the property. I recently received a property foreclosure notice from XXXX XXXX XXXX stating my property is going to be sold in a property foreclosure sale XXXX XXXX,2017. Please, Please, Help. The letter I received to validate the debt did not show my servicers were three deferent servicers I have not received the foreclosure notice from the servicers as stated on the letter
03/23/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IN
  • 462XX
 Web
I have applied for XXXX funds through the State of Indiana. Community Loan Servicing has been provided this knowledge at least 5 times. They are requiring me to make a decision to accept or reject the Modification offer before I have an answer on the XXXX application. They are telling me I will lose their Modification offer if I don't give them an answer. However, based on my research one should not be dependent on the other and even if I do get funding from XXXX, I can and should still be offered the Modification. Community Loan Servicing has been less than compassionate and their communication is horrendous resulting in poor customer. Service
07/13/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • 07751
 Web
Hi I am in arrears on my mortgage while i had a drastic reduction in income, since then i am working full time, my wife is working as a source of other income and ive obtained my brother in laws help as a renter to help us pay the mortgage. Ive been working with XXXX / Bayview loans for what i believe 3 years on a modification. My math says we can afford to pay the new higher loan with the arrears. They keep stalling on an answer, meanwhile they got a judgement to forclose. Now we, my wife and children, are panicking and Bayview is not really giving me an answer here, so i do n't know what to do. My loan number is XXXX with Bayview
10/07/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 912XX
 Web
We have case open # XXXX XXXX with your Consumer Financial Bayview and XXXX XXXX XXXX took over 4 years to modify the clients account, Bayview posted all trial payments on time with out any late fee into Suspense we complaint because Bayview had not posted payments and place in suspense. They recently posted the XXXX that was in suspense but, they charge late fees that client was never late during this time and balance after the XXXX plus went from {$360000.00} to {$350000.00} the payments have not been posted correctly need this matter resolve because Bayview has kept the payments on suspense four years and allocation is not done correct.
02/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 86314
 Web
My reports from XXXX and XXXX both show an account, COMMUNITY LOAN SERVICING, showing negative payments for a time period that they did not own, nor service the debt. COMMUNITY LOAN SERVICING, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, one from COMMUNITY LOAN SERVICING, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet COMMUNITY LOAN SERVICING is not reporting it. I have contacted XXXX, XXXX and COMMUNITY LOAN SERVICING each several times to resolve this. XXXX, however, removed the COMMUNITY LOAN SERVICING from my credit report after their investigation.
07/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33458
 Web
Bayview Loan Servicing has disabled all options to make mortgage payments via online payment or by phone. I have been attempting to make my mortgage payment before the grace period ends on XX/XX/2020 but the website is not accessible and the ( 800 ) number for phone payments claims they are experiencing technical difficulties. I am concerned that this " technical difficulty '' will last beyond the grace period and Bayview will demand a late payment fee. The reputation of Bayview is terrible, according to thousands of reviews and there is reason to believe bayview would not assume responsibility for the inability to make a timely payment.
02/25/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 347XX
 Web
I was under the COVID forbearance program, was unable to get off without refinancing my whole mortgage, which was not allowed under this program, but Community Loan Servicing refused to adhere to federal guidelines. I attempted to have my payments added to the end of my mortgage, which was offered to me in writing by CLS, but they refused to abide by their own offer. I ended up refinancing with another company. It was then I realized they charged me over {$12000.00} for " loan maintenance fees ''. They do not return my calls or emails asking for an explanation of this erroneous charge. I demand this amount to be returned to me in full.
12/26/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MI
  • 496XX
 Web
I just received a letter from Bayview Loan Servicing a debt collector who is threatening to foreclose on my home. They acquired the loan from XXXX. The original lender, XXXX failed to transfer the mortgage and the promissory note to XXXX. Because of this, there has been no payment on the loan in six years and eight months prior to Bayview Loan Servicing, a debt collector " acquiring '' the loan. Under Michigan statute the debt is Time Barred. ( Six years is the statute of Limitations on Promissory Notes in Michigan. ) Bayview Loan Servicing , LLC is threatening to collect on a Time-Barred Debt. Please investigate this Debt Collector.
06/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78238
 Web Servicemember
I filed complaint XXXX in which the company acknowledges mistake however they say my lates are in XXXX and they arent. The late reporting accured from XX/XX/XXXX till XXXX of XXXX in which I have 6 missed payments. Community also says my loan doesnt qualify for forbearance yet I've been on forbearance since XXXX of XXXX and still to this day. XXXX continues to report the 6 missed payments. Community states they've sent correction letter to XXXX to remove all 6 lates, however XXXX says they've never received such letter. In fact XXXX says community confirmed the 6 late payments as accurate even after theyve acknowledge their mistake.
07/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98270
 Web
My home loan was originally with XXXX XXXX. We had just agreed on a forbearance plan that was to start XXXX due to hardship. On XXXX, my loan was transferred over to Bayview Loan Servicing LLC. They are refusing to honor my forbearance plan. I have included the documentation showing the transfer and the forbearance plan that was accepted with XXXX XXXX. Spoke to XXXX ( ID # XXXX ) at Bayview Loan Servicing ( BLS ) and he stated that he is trained to say that they can only honor it if it is a fully executed completed loan modification and nothing else. Transferred to XXXX ( ID # XXXX ) Escalation dept and she stated the same thing.
04/04/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85741
 Web
I had a loan with XXXX XXXX XXXX and recently transferred to Bayview Loan Servicing. I had received an Agreement from XXXX XXXX XXXX to be approved for the Home Affordable Unemployment Program as of XXXX/XXXX/XXXX to begin XXXX/XXXX/XXXX. I have been unemployed since XXXX XXXX, XXXX. The loan transferred to Bayview Loan Servicing on XXXX/XXXX/XXXX, and now they are NOT wanting to honor the 6 months Forbearance ( Affordable Unemployment Program ). As far as I understand the Making Home Affordable guidelines, the new Servicer is to honor any agreement previous to the account/loan transfer. Please help me settle this issue. Thank you.
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • XXXXX
 Web Older American
The company has been posting " late payments '' to the credit bureaus since XXXX. I have challenged the reporting and have presented documents which show payments have been made every month on time since the beginning of the company 's servicing of the loan. The company 's documents and mortgage statements do not reflect a " late payment '' charge for any of the months where " late payments '' were reported to the credit bureaus. I have repeatedly asked for the " late payments '' over the last XXXX years to be removed. The company has refused to do it and the credit bureaus have maintained the " false reports '' in their records.
11/11/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • XXXXX
 Web Older American
Please refer to my prior case - Bayview failed to address the fines and penalties assessed to my tax bill by the city of XXXX for their failure to pay my real estate taxes. XXXX in fines and penalties was added to my tax bill due to them not paying the bill. Although I was advised by XXXX XXXX that I should no longer pay my taxes, the letter dated XXXX/XXXX/XXXX from XXXX XXXX of Bayview indicates that I should have known to continue to pay my taxes. I am not sure why I would pay my taxes and insurance when I was clearly told that I was no longer to pay them, that Bayview had paid them and it would be handled by my escrow account.
05/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94952
 Web Older American
I had requested a Loan Modification for my mortgage loan. During the process I was informed I did not have to make a payment until the Loan Modification was completed. Unbeknown to me was that the Lender had filed a Notice of Default [ " NOD '' ] and a Notice of Sale [ " nos '' ] during the Loan Modification process. At no time did they inform me that they had field a NOD or NOS. There were fees they required for me to pay in advance, like for homeowner 's insurance, but they never credited me for the payment nor have they refunded the fees paid. They have been very difficult to contact and they have stonewalled me repeatedly.
09/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22193
 Web
In XXXX and XXXX, I request for a modification with XXXX XXXX XXXX. I sent all the documents, nothing was done. In XXXX XXXX the customer service representative told me the loan is sold to Bayview Loan Servicing LLC. It took them to XXXX XXXX to respond to my status enquiry. I sent more documents to them for modification, yet no modification was approved. They keep piling interest and fees, inspection fees, and legal fees. In XXXX XXXX, XXXX date of XXXX XXXX, I receive a letter ( attached ) that the note is destroyed and unavailable. On XXXX XXXX, I receive a letter for sale of house on XX/XX/XXXX. Bayview should drop the sale.
08/10/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60015
 Web
I had a mortgage with XXXX for my property for over 12 years ... ... XXXX sold the mortgage to Bayview Loan Servicing. I keep seeing a reoccurring charge for the amount of {$7400.00} ... .labeled as Corporate Advance. I have tried numerous times with verbal communication with Bayview to explain this charge ... ..I have sent them 2 written requests for information regarding this charge. I have requested in writing for time sheets, explanation of charges, the name of the law firm along with the attorney who handled the case. I have gotten nothing and nowhere when I have requested info on this charge ... ..and have been ignored.
09/01/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • CA
  • 95050
 Web
Upon my divorce back in XX/XX/XXXX, my ex-husband relinquished all rights to the home/mortage we acquired together in XX/XX/XXXX. Since then I am the sole owner and responsible party for payments and related financial obligations. I have kept my mortgage current and have requested my lender to remove my ex-husband 's name from the loan on several occasions. The last time I was asked to submit the request in writing which I did in XXXX XXXX. The lender send me an acknowledgment on XXXX XXXX but will not take action. I have kept calling to inquire on the status of my request and no one can give me any guidance. Please help.
02/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80260
 Web
Community Loan Servicing my mortgage provider reported my account ever late 180 days to 3 credit bureaus having me on " forbiddance plan '' covid relief program, witch allows you not to make mortgage payments .I called several times and was told that multiple customers were reported to credit burrows by mistake.Report date XXXX was told by representative, that on XX/XX/XXXX Community loan servicing sent letters to 3 credit bureau to remove incorrect information.I talked to XXXX representative on XX/XX/XXXX and he could not confirm that any disputes were initiated by the lender. I attached copy of the forbiddance plan.
12/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 018XX
 Web
BAY VIEW PURCHASED MY LOAN IN 2007 FROM XXXX XXXX XXXX. I HAD A CONTRACT WITH XXXX WHICH IS NO LONGER AROUND. BAY VIEW REFUSES TO TO HONOR MY CONTRACT I HAD WITH XXXX XXXX, THEY HAVE ALSO ADDED ON CHARGES FOR WATER, WHICH I HAVE A WELL AND HAVE CHARGED FOR SEWER AND I LIVE IN A NONE SEWER TOWN. I HAVE TRYED SEVERAL TIMES TO COMMUNICATE WITH THEM IN THIS PROBLEM AND THEY WILL KEEP YOU ON HOLD FOR HOURS. I HAVE HIRED LAWYER S AND THEY ALSO WILL NOT ANSWER ANY QUESTION, AND KEEP THEM ON HOLD FOR A LONG PERIOD OF TIME WITH NO RESPONSE. IM NOT LOOKING TO GET OUT OF PAYING MY MORTGAGE JUST WANT MY ORIGINAL CONTRACT HONORED
01/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80260
 Web
Community Loan Servicing my mortgate provider reported my account ever late 180 days to 3 credit bureaus having me on " forbiddance plan '' covid relief program witch allows you not to make mortgage payments .I called several times and was told that multiple customers were reported to credit burrows by mistake.Report date XXXX was told by representative that on XX/XX/XXXX Community loan servicing sent letters to XXXX credit bearou to remove incorrect information.I talked to XXXX representaive on XX/XX/XXXX and he could not confirm that any disputes were associated by lender. I attached copy of the forbiddance plan.
12/19/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32836
 Web Older American
I am elderly retired person. My loan was modified as per loan modification agreement dated XXXX XXXX, Principal balance amount {$960000.00} interest only was supposed to be capital & interest payment ( capital reducing ) from XXXX XXXX. Loan modification agreement was not complied by the lender from XXXX. Out standing mortgaged XXXX {$960000.00} started going up increasing every month regularly instead of coming down. I made several complaints verbal & written to the lenders, they acknowledged but no action was taken over long period of time. I want situation to corrected as per agreement & I should be compensated.
02/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23236
 Web
On XX/XX/2021 XXXX XXXX Services a vendor with my servicing company Community Loan Servicing removed the lock on my front door after deerming my home unoccupied. I have filed XXXX complaints and still don't have a clear answer to the main question. So I am asking again. How did my home get classified as vacant without attempts to notify me? How many times was attempted contact made and by whom? What time of day? Were materials left and if so where did the inspector place them? When was community loan servicing notified that property was vacant and did anyone try to contact me to confirm? I want dates and times.
01/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48036
 Web
I hold a mortgage with Bayview loan servicing. I was personally impacted by the coronavirus and went on the corona forbearance plan as soon as I was made aware it was an option in 2020. I was told it would not effect my credit score and be non-reporting on my credit report. Unfortunately that was not the case and Bayview loan servicing reported it every month. Had I known that I may have chosen differently. It's unacceptable to tell someone they won't be negatively effected by going on Corona forbearance and then destroy their credit the whole time. I would like all of the late payments removed off of my account.
02/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 015XX
 Web
XXXX XXXX XXXX XXXX bought my mortgage loan effective XX/XX/XXXX and sold it effective effective XX/XX/XXXX to XXXX XXXX XXXX. I sent a RESPA QWR to Bayview requesting the production of documents surrounding the change of creditor/ownership and mortgage servicing transfer, on XX/XX/XXXX and again on XX/XX/XXXX. Bayview/XXXX XXXX response was basically they didn't have to answer because XXXX XXXX no longer owns the loan. While the mortgage servicing was somehow cancelled after effective date the loan was with XXXX XXXX XXXX for several days thus I believe XXXX XXXX must answer my outstanding RESPA requests.
04/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • XXXXX
 Web
Dear Bayview I am requesting your assistance regarding my owners policy with XXXX XXXX XXXX XXXX ( order number ) XXXX XXXX XXXX has provided a conflicting document to a third party. XXXX XXXX XXXX has repeated this for more than 5 years. XXXX XXXX XXXX conflicting litigation guarantee to third party XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX repeated stated no document exists by email. However it turns out the document was given to third party XX/XX/2018 by XXXX California. The conflicting litigation guarantee - a direct conflict to lenders policy XXXX ( order number ) and owners policy which neither has elapsed.
10/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IL
  • 60657
 Web
I closed on the sale of my home in XX/XX/XXXX and paid off my loan with Bayview Loan Servicing. I received a letter from Bayview that my loan was paid-in-full in XX/XX/XXXX. However, I received a notice from XXXX and XXXX that Bayview is reporting my account delinquent and 30 days late with {$0.00} due. I had this issue fixed in XX/XX/XXXX but it has reappeared again in XX/XX/XXXX. There are no managers or supervisors or points of escalation that have been able to fix this reoccurring problem. It is a violation of the Fair Credit Reporting act and fraudulent to try and collect on a loan that is paid in full.
05/24/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • UT
  • 84065
 Web
My loan was recently sold back to XXXX XXXX XXXX. Bay view loan servicing decided to add XXXX cents onto my loan under XXXX advance without notification or any explanation. They just sneakily applied it to my loan. XXXX XXXX XXXX than decides to add that to my loan payment and says I owe that much. First off let me say I am disputing all of those charges. I phoned bayview and they advised me all it says is its for litigation ... ..I have no litigation and it was added conveniently to my loan in XXXX XXXX ' to the time it was transferred in XXXX XXXX. I had no notice of it I was just paying my monthly mortgage.
07/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30038
 Web
Bayview / XXXX XXXX XXXX XXXX XXXX are attempting to foreclosure with an assignment that is clearly fraudulent. The person signed after the cut of date of pooling and service agreement with SEC the alleged trust that is was placed in. The assignment was signed by a Lawyer that was actually the foreclosure Attorney in XX/XX/2010 he sign as President of XXXX. He was not the president of this company, therefore this assignment is tainted and fraud cant be the based of obtained a deed. I have also mailed s request for a loan modification and they havent responded. I also made calls and all had been to no avail.
05/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • XXXXX
 Web
Dear Bayview, Your time is appreciated giving attention to matter. I am not receiving my tax documents - the tax is going to the wrong person and address. I have tried to correct challenge directly with tax accessor office multiple times. The tax roll confirms payments are coming from Bayview however credit is going to wrong person and address. I am not sure how to correct. I need corrections for refinance/modification. When information is corrected would you provide copy of tax document or record from tax accessor office with my name and address. Again your time valuable in assisting with matter. XXXX XXXX
06/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43551
 Web
I have a Mortgage with Bayview loan servicing company. This Mortgage was initially done with XXXX XXXX and sold to XXXX XXXX and now since last XXXX XXXX it was acquired by Bayview Loan Servicing company. The problem I am having with them is they are not adhearing to the original loan. My Payment is due on the XXXX of each month with a 15 day grace period to the XXXX If my payment is not received by Bayview by the XXXX of each month they call to every day, even though I 'm not late until the XXXX . I am not late and I am ahead of the mortgage by pay more than due each month
06/14/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33135
 Web
On or about XXXX 2016 , I receive d Bayview Loan M ortgage Statement and I realized that there was a charge in the amount of {$310.00} as XXXX XXXX XXXX . I contact Bayview via correspondence to provide with all and any documentation pertaining to this fee of {$310.00}. I was told that this fee is charged by their office as a service fee for taking pictures to my property or so call " inspection. '' I have not been in any type of arrears with my home for me to be charged this fee. Also, there is no document stating that this fee can be charged to any of their clients. I believe this fee is illegal.
06/09/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 940XX
 Web
MY SERVICER, BAYVIEW LOAN SERVICING LLC, HAS BEEN PROCESSING A SHORT SALE TRANSACTION. I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. BAYVIEW 'S APPROVAL PROCESS ON THIS REQUEST IS EXTRAORDINARILY LONG. BAYVIEW INDICATED THAT THE TRANSACTION IS TAKING TOO LONG ( BECAUSE OF BAYVIEW 'S DELAYS ). BAYVIEW HAS SET A FORECLOSURE SALE FOR XXXX XXXX, 2015. I HAD MADE A REQUEST FOR POSTPONEMENT. A CALL WAS MADE YESTERDAY TO CHECK ON THE STATUS OF THE REQUEST FOR POSTPONEMENT. XXXX AT EXTENSION XXXX INDICATED THAT SHE DID NOT HAVE INFORMATION ON THE FORECLOSURE SALE AND NO ONE IS AVAILABLE TO PROVIDE THAT INFORMATION.
05/25/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32257
 Web Servicemember
I have tried for the past two weeks to obtain the necessary paperwork to submit for a 12-month forbearance of my mortgage. After the past year where I was virtually shut out of business related from the Covid-19 pandemic, and the fact that I was ill a very long time from my own case of Covid-19, as well as a major personal problem, I could not make mortgage payments for a very long time. That time has passed and I am now back to work full time. I respectfully request the necessary paperwork to submit on behalf of my past hardship, and make arrangements to start making mortgage payments again. XXXX XXXX
02/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 763XX
 Web
This complaint was filed : Weve received your complaint. Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Incorrect information on your report As of XX/XX/2021 the report with XXXX has been updated to the attached screenshots - still inaccurate. This malicious inaccurate reporting of non existent delinquency has effected my insurance rates on both my home and auto among other things - this is my last attempt to get correction before legal action.
06/05/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • XXXXX
 Web Servicemember
Our mortgage loan was transferred from XXXX to a group called Bayview Loan Servicing , LLC back in XXXX XXXX . We are in process of attempting to refinance our home and there is a {$14000.00} amount that Bayview Loan Servicing i s claiming as a Deferred Amount. When we call Bayview the y claim that it is from a modification from XXXX XXXX , XXXX . We do not have any reco llection of doing any modification. When we try to speak with a supervisor with Bayview we get disconnected and have to start the process all other again. We have requested a payoff and we 'll bet you that we wo n't get it.
08/14/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • 105XX
 Web
XXXX XXXX XXXX, stated they would assist me in saving my home from foreclosure, when the mortgage services fail my several loan modification requests. Dual tracking has continued practice in case, I have submitted this claim with the courts. XXXX XXXX XXXX requested XXXX down payment, however no documentation was submitted by XXXX XXXX XXXX that they were action on my behalf. Never return any of my calls. I requested XXXX XXXX XXXX XXXX due to dual tracking practices by XXXX XXXX, Bayview loan, XXXX XXXX XXXX XXXX. I been dealing with dual tracking since 2010. Would really appreciate some real help!
11/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 98632
 Web
I submitted a full package for mortgage assistance back on XXXX XXXX, 2016. Since then I have not received any correspondence or calls from any point of contact or representative on behalf of Bayview. When I do call in I am transferred to a single point of contact but yet they never answer nor return calls so I am left calling back only to deal with the same issue. Bayview should have all documents for assistance and should be reviewing my file accordingly as there is an upcoming foreclosure sale in 2 days! I feel I am being treated unfairly and properly given the urgent situation of my foreclosure.
12/20/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • OH
  • 456XX
 Web
Had mortgage that sold and they wanted to refinance at lower rate, They never got around to the refinance and account was caught up, then it was sold again. My payments were not being pasted to my account but was put into an escrow account. My mortgage did not have an escrow account but they refuse to give me credit for my payments. They are trying to force us into refi at a much higher rate and keep increasing my payment .But they keep taking my money but not giving credit. THE NAME IS BAYVIEW LOAN, SERVICE, XXXX of XXXX, FL XXXX. PH XXXX. They do not answer the phone or written correspondence.
07/22/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 93722
 Web
A bank foreclosed my property, which I did n't have any loans with, and they were helped by the Law Offices of XXXX XXXX. I believe the bank was bayview loans, but am not sure because nobody ever told me who was my mortgage company, after XXXX XXXX XXXX did n't finish the short sale I had going on with them, because an issue with the title of the property, something that if XXXX XXXX XXXX could n't do it, how come this bank bayview loans was able to do it? by forging a loan modification that I had with XXXX XXXX XXXX prior to the short sale. 2 years, after the real loan modification was created.
05/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90280
 Web
Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender Bay View / Community Loan Serving and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/ 2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.
03/13/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 959XX
 Web Older American
I am writing to you regarding my loan for hardship for the second time. In XX/XX/XXXX I filled a complaint against my bank who in return told you they would work with me. It was not true once you close the complaint they ask me to fill out a hardship letter for the third time so I did. I faxed it on XX/XX/XXXX & XX/XX/XXXX to the bank. On XX/XX/XXXX I received a foreclosure notice on my house, and yet still today I have not received a denial letter from the bank. I am XXXX years old and have had my house for over 15 years. I would love to keep my house so I hope the bank will help me.
04/15/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • WA
  • 98117
 Web
Since XX/XX/XXXX, a debt collection company named " Community Loan Servicing LLC '' has been contacting me repeatedly by phone and U.S. Mail. They are attempting to collect on an extinguished debt, which has been resolved years ago, by my XXXX XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA, XX/XX/XXXX. Even though Community Loan Servicing acknowledges the Court Discharge ( in writing ) they continue to violate the rule of law, my Court Discharge Order, by making repeated attempts to contact, threaten, and harass me. They have repeatedly violated the FRBP, which carries heavy fines.
06/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07840
 Web Older American
Several years ago, we were granted a loan mod by Bayview Loan, who are servicing our XXXX XXXX XXXX mortgage. There have been no issues inasmuch as we have never missed or been late with a payment. But suddenly, in true form, theyve decided that our loan mod is no longer viable! No reason! If you check your database, youll see that I started reporting my findings about XXXX many years ago, and my findings were accurate inasmuch as the CFPB fined them. ( For which Ive received no restitution from their fine. ) Now Im dealing with Bayview, and here we go with their shenanigans. HELP!
01/06/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MI
  • 48075
 Web
I have tried to resolve and pay off a loan that was borrowed by my father and his business partner who are now both deceased. I have reached out to this company over 10 times in the last XXXX months. They sent me a payoff letter and I wired them {$50000.00} on XX/XX/XXXX. They will not confirm payment nor respond to any calls or emails sent to establish authorization for me to discuss the loan and to see that I now own this property. Ive emailed as advised by a phone representative on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and everyday since then. No response at all.
11/02/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CO
  • 80031
 Web
No resolution to the following complaint that had been filed. LOAN NUMBER : XXXX BLS CASE NUMBER : XXXX REG CASE NUMBER : XXXX I truly feel hopeless I have been dealing with Bayview Loan Servicing for several months, in hopes of a response to my many settlement requests for a charged off loan. They never gave me a response. Bayview is notorious for mishandling documents. I am not convinced that this regulatory agency are not aware of the many complaints against Bayview Loan Servicing. My question is, why the government have not taken actions against Bayview and its affiliates.
12/16/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 341XX
 Web
I have been approved for a trial modification from Bayview Loans Servicing and I made my first payment on XXXX/XXXX/2015. They took the payment via the phone using my checking account information. I understood that any foreclosure action would be halted once I was on a modification track..however, I just found a notice from a sheriff 's deputy on my gate indicating that Bayview Loans was trying to serve me with papers pursuing a foreclosure suit. This process service attempt is dated XXXX/XXXX/2015, eleven days after my first trial modification payment to Bayview Loans Servicing.
03/08/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33029
 Web
I am a XXXX Veterans. Sending these e-mails and calling sometimes take me a lot of time. Bayview Loan Servicing , LLC . is retaliating against me for submitting my complaint to the CFPB ( XXXX ). They still do not answer my e-mail or mail. I was able to speak to XXXX today and she said that she could not speak to me because I filed a complaint. She says that BLS has until XXXX XXXX, 2017 to reply to my complaint and that my foreclosure trial is still on XXXX. XXXX, 2017. Is it possible to postpone the XXXX XXXX, 2017 trial. Thank you. Very respectfully, XXXX XXXXXXXXXXXX XXXX
02/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 444XX
 Web
Hello I recently received a copy of my credit report and did not understand what was being reported- My home loan information reporting seems to be different than what I have on file. I am requesting verification of detailed account information and the dates reported to XXXX, XXXX and XXXX. 1. Please confirm the last date reporting or updating account details to each credit company. 2. Please confirm all negative payment dates reported ( ie 30-90-120 late payments ) 3. Please confirm last payment date I would appreciate this information be mailed to me to verify my records
05/22/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89511
 Web
Everytime I call the company, I can not seem to get a hold of anyone. On the off chance I do, they assure me that automatic payments for my mortgage are scheduled, but I never see the payment get taken out. Then, when I call to follow up, I ca n't get a hold of anyone. Even today, I tried to call them, and their automated system hangs up on me, and I can not seem to get through to anyone who can help me. When I have gotten through to someone before, they tell me they 'll find out what 's going on with the payments not being taken out, and then I never hear back from them.
06/12/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89130
 Web
My husband passed away and I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney submitted a complete financial application on X/XX/2017. Since that date Bayview has been sitting on my paperwork and allowing it to expire and then asking for updated paperwork again over and over. They have had a complete file now at least twice since X/17. My attorney states they are stalling purposely and evading review by asking for updated paperwork over and over. According to my attorney they are violating RESPA Regulation X ( 1024 ).
08/30/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • FL
  • 33180
 Web
My Heloc was transferred from XXXX to Bayview Loan Servicing. I made additional principle payments of {$2900.00} to Bayview but they did not apply any of it to the balance even though it is reflected in the year to date portion of XX/XX/XXXX statement. The additional principle was made during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Bayview then flipped the Heloc to a company called XXXX XXXX who immediately transferred it to XXXX XXXX Bank. XXXX bank refused to look into my complaint stating that it was not their job to do Bayviews accounting. XXXX will not even respond.
04/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 79912
 Web
I originally had my mortgage with XXXX XXXX- I never signed nor recall signing anything for BAYVIEW LOANS to be involved. They are committing fraud by stealing my money from the amount I owed on the house and raising the interest ; I have asked for ALL the documents with my signature to be to mailed and I have gotten no response. I need all documents and statements to be mailed as this fraud of a company is attempting to intimidate and and defraud me. I need to know how my and why my mortgage loan was sold, the amount and the rate. I need the documents and signatures.
09/09/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • GA
  • 30253
 Web
I have a mortgage loan with Bayview Loan Servicing and I have been attempting for over a month and a half to get a detailed transaction history on my mortgage account. I have faxed Bayview a formal request as well as emailed representatives with the company of my request. My request is for a detailed account of my mortgage since its origination in XXXX of 2005 when it closed with XXXX. I want to account for every dollar added to my mortgage loan since the origination date. This request would not only detail the payment history but also the added fees to my mortgage.
08/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 184XX
 Web Servicemember
I started this loan with XXXX XXXX in 2003 was having problems with payments so I did some deferments with the thought that they were put on the back of the loan is was then sold to XXXX now I'm with babies and it's at the end of mortgage in XXXX and I still have a XXXX balance what can I do and does XXXX XXXX owe me any money with that law suite.My understanding wasXXXX a month for 161 months which I think was enough please help! I'm XXXXXXXX military 23 years work for the XXXX XXXX XXXX for 19 years and planning to retire in about one year! Thanks XXXX l could XXXX
10/13/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23060
 Web
Called in or around XXXX XXXX, XXXX to advised I have switched Insurance companies. I was told by representative to fax over documentation for new insurance company and I requested my loan be reanalyzed due to lower premium for insurance. I called back on XXXX XXXX to find out they never updated my information. representative confirmed that fax was received however they never change my insurance information nor did they reanalyzed my account. The lower premium would have made my payment lower however they never even changed the company nor took care of my request.
05/26/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • IL
  • 60060
 Web
My client is trying to do a short sale with XXXX bank. XXXX bank is stating that there is a second lien that is not paid off with XXXX XXXX XXXX Bayview XXXX She filed for Bankruptcy and this account was included in the bankruptcy. She was making monthly payments to the trustee and once the process was done her attorney told her that the account has a zero balance and that she should be receiving the deed to her house. Her attorney has no idea why there is a XXXX balance and why Bayview keeps sending paperwork for her to go to court when she does not owe anything.
03/29/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • LA
  • 70131
 Web
Bayview MXXXX included {$3600.00} payment over to me to pay for a mistake on they behalf. Transferred to Community Loan applied for Modification for 6 months my mortgage is only {$560.00} they increased my mortgage 8600.00. Transferred to XXXX XXXX XXXX. I the process my fixed interest rates has change which my payment has also change. I purchase my house XX/XX/2000 in the amount t of {$54000.00} I refinance one time received {$16000.00}. The amount has Increased with each on the two Mortgage companies listed above Bayview and Community I know something is wrong.
07/17/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 17331
 Web
I received notices the past 2 year that my property taxes were not paid. I have an escrow my property taxes are to be paid out of. I called, faxed, and mailed the notices each time I received them and was assured by representatives my property taxes would be paid. My tax return shows property taxes paid from the lender but I received a tax lien notice of unpaid property taxes today that my property would be sold in 60 days if not resolved. I plan on paying the amount because I do not want to lose my house but I do not trust my lender to pay my property taxes now.
11/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NM
  • 883XX
 Web
On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County, New Mexico and I can provide supportive documents upon request.
04/21/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
Again Since XX/XX/XXXX of XXXX my son and I have been trying to take over the loan as we can by Federal Law. XXXX has a copy of the loan and joint tenancy and still wants to play games. They have also violated the XXXX law a copy is attached of what this organization put into law. All they say is probate and according to state Colorado law the way the property is titled they are XXXX that do not have a clue. They refuse to work with us the law that this agency put into place and they have no understanding about the basic concept of law except how to break it,
06/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • LA
  • 705XX
 Web Servicemember
My issue is related to the cre ditor Bayview Financial. I have notifi ed Bayview Financial in writin g and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by bayview financial. I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and Bayview Financial ha s n't provided me with anything. Please help!
02/06/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30045
 Web
submitted my file for loan modification review in XX/XX/2016 with Bayview Loan Servicing. I have sent my documents and have contacted my Relationship Manager and have received no response. I am working with a XXXX company XXXX who also contacted Bayview on my behalf only to be advised they have not received a Third Party Authorization which has been sent on numerous occasions. I have a sale date and I called my Relationship Manager to see if the sale date was postponed to allow time for the modification review however received no response. Please help. XXXX
06/29/2015 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • CA
  • 90047
 Web
I 'm a XXXX who performed work as per agreed contract proposal, however the property was foreclosed, and sold in the middle of construction, the insurance company paid the mortgage company in full for the Accident Repair work to be performed, the mortgage company sent a " Conditional Waiver and Release of Lien '' for me to sign and send back. I was also instructed to await the agreed final payment and to cease all work, I did as directed. I sent it back XXXX XXXX, 2015 ; however I still have not been paid as promised ( stated on conditional lien release )
06/23/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95667
 Web
Bayview mortgage placed forced insurance on my property. After providing them with proof of insurance they sent me an email ( page 5 of the attached ) indicating they have removed it. After filing a complaint with CFPB ( XXXX ) Bayview responded by saying they needed more information from my insurance company even though previously in their email they clearly stated what they had received was sufficient. In the meantime, Bayview still have not conducted an escrow review and because of Bayview 's actions my credit score has now dropped from XXXX to XXXX.
06/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 631XX
 Web Older American
On Friday XX/XX/XXXX I called Bayview Loan Servicing to make a payment. There was money in a suspense account. The original payment amount is {$580.00}. In the suspense account there was {$290.00}. Bayview told me I could make {$280.00} which is the difference between the original payment amount and the suspense fund. Twice on Saturday I received a call from Bayview wanting payment and my ex husband said they called him 3 times. On Sunday I received a phone call and so did my ex husband. This has got to stop and I will call them on Monday and complain.
12/14/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 631XX
 Web Older American
Received letter dated XXXX/XXXX/2016 'last ACH payment returned unpaid '' & to contact loan counseling dept. According to my XXXX : XXXX/XXXX/2016 Payment processed for {$820.00} from your XXXX account XXXX XXXX XXXX. Estimated arrival date for this payment is XXXX/XXXX/2016. XXXX/XXXX/2016 Single payment to Bayview Loan Servicing was scheduled to be processed on XXXX/XXXX/2016 for {$820.00} from your XXXX account XXXX XXXX XXXX. XXXX # : XXXX This is happening for the second time & Bayview still has n't explained how they XXXX up the first time.
12/07/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30052
 Web
On or about XX/XX/XXXX and XX/XX/XXXX I received dunning notices from Bayview Loan Servicing regarding an alleged mortgage loan. On XX/XX/XXXX I sent Bayview Loan Servicing a Notice and Demand To Validate Debt Claim. On or about XX/XX/XXXX I sent a final notice of dispute and notice of pending lawsuit. Bayview Loan Servicing did not validate their claim. Bayview responded by sending me copies of a promissory note and bank statements which did not validate their claim. Bayview is a debt collector who is attempting to collect on a alleged defaulted debt.
09/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89108
 Web
Bayview Loan Company has not removed late fees, when I have not been late on my mortgage. They have charged me late fees for XXXX, when I have given statements to them from my bank showing I was never late in making a payment. I have continued to have problems with this company, with corporate fees and other charges that they have never shown I owe, nor will they remove the fees. Tell this company this is their last chance to correct the error or I will be forced to file litigation. Time is now of the essence and this needs to be resolved in 30 days.
10/23/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 91741
 Web
I have been working on a deed in luie for over a year with BayView Loan Servicing and they keep kicking the paperwork back, do n't return calls, or keep setting me up in different programs I did n't ask for. Recently, I 've been entered into a forbearance agreement .... But I never asked for one. They can see from my financial disclosures that I ca n't afford to pay anything on my account. My processor, XXXX XXXX, writes me letters with her email address. I email her and she never responds. She includes her phone number, but she never answers it.
09/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95401
 Web
Contacted Bayview Loan Servicing, my mortgage lender on XX/XX/XXXX or XX/XX/XXXX to request a 12 mos payment history. Rep advised me it would take 48 hours. It was right before XXXX XXXX weekend so I expected it may not be done till Monday or Tuesday. I called in on XX/XX/XXXX and was advised by the rep that it would be available on the client portal XX/XX/XXXX. It is not and I have called in 4 times and been put on hold and hung up on. My financial adviser needs a copy of it for a refinance and I have a limited number of days on the rate lock.
06/15/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 95350
 Web
We refinanced in XX/XX/XXXX, after being told that they could help us refinance and then after a year we could get a better loan, when our credit was better. Well it is XX/XX/XXXX and our principal has gone from $ XXXX to $ XXXX, we had XXXX modification, but it did n't change the " terms '' of our loan and because the investor ( XXXX XXXX XXXX ) put a clause that the loan could only be modified once, we ca n't get help with HARP or HAMP. This was an interest only ARM loan and now our interest rate is 12 % and our payment is over $ XXXX/month.
08/05/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 448XX
 Web
I was on a forbearance plan through covid. I applied for a modification on XX/XX/XXXX. I made the 3 on time payments needed to be accepted for the modification. I was going to make my XXXX payment on XX/XX/XXXX and I could not online so I called and they told me I was denied for the modification and could not make a payment. My XXXX year old son and I live in our home. I have lived and paid for our home since XXXX. We love our home. I was let go for covid in XXXX of XXXX. I can make payments now and they wont let me? How can they do this?
07/21/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20706
 Web
Our mortgage lender, Bayview Loan Servicing, has failed to pay our property taxes. Property taxes and insurance are included in our monthly mortgage payment and placed in escrow. Our payments are up to date and we are in good standing. We received notification from our XXXX 's tax office stating that our taxes for 2015 were n't paid. After repeated attempts to resolve this issue, our taxes have still not been paid by Bayview and as a result, a tax lien has been placed on our property which will result in foreclosure if not promptly addressed.
12/04/2015 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60657
 Web
I am receiving repeated phone calls from XXXX XXXX at Bayview Loan Processing, LLC while I am at work about a debt that belongs to someone with a similar, but not same, name. The debt is attached to a property I do not own now nor have I ever owned. My phone number is attached to the account and Bayview Loan Processing will not remove it because the last XXXX of my social does not match the one on the account. They will not give me any information regarding the loan. The name on the account is XXXX XXXX though I am uncertain of the spelling
08/31/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92883
 Web
i submit my application for a loan modification last week in XXXX and sent all requested documents 2 weeks later in XXXX, but i got and email stating that the one document need to be resent in the XXXX XXXX, which i did the next day only to be told i need to resend it again which i did three times, so now as of XXXX/XXXX/XXXX they have everything that was request but when i call on the XXXX, they still have not obeyed the law according to the homeowner bill of rights and stop all foreclosure action against my property, can you please help
06/29/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 92867
 Web
I HAVE APPLIED NUMEROUS TIME FOR A LOAN MODIFICATION AND THIS LAST TIME XXXX INFORMED ME OF A NEW PROGRAM CALLED THE LATE TERM STREAMLINE AND I WAS ELIGIBLE FOR THAT PROGRAM. LATER, HE SAID I WAS N'T ELIGIBLE DUE TO THE DRIVE BY BPO ( BROKER PRICE OPINION ) COMING IN AT {$510000.00} WHICH WAS DONE BY A REALTOR. I HAD AN APPRAISAL DONE AND THE VALUE CAME IN AT {$370000.00}. I TRIED TO APPEAL THIS TO XXXX XXXX AND BAYVIEW LOAN SERVICING, BUT WAS TOLD BY BAYVIEW THEY WOULD NOT ACCEPT THE APPRAISAL AND WERE GOING TO FORECLOSE ON MY HOME.
08/04/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • SC
  • 29625
 Web
Home was placed under contract and closing date set for XX/XX/17. Attorney 's office started contacting Bayview on XX/XX/17 to request payoff statement. Multiple requests were made by both attorney 's office and mortgage holder via fax and phone for payoff statement. One payoff was sent but it was dated in XX/XX/XXXX, so it was unusable. As of XX/XX/17 payoff has still not been received, closing is on hold indefinitely and two families lives are on hold, all due to Bayview 's unwillingness and inability to provide a simple document.
06/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80228
 Web
Since I filed a complaint with your organization about two weeks ago on XXXX I got a call from Bayview XXXX and told them that since I had an open complaint that I would not talk with them at this time. The woman told me that she was taking my number out of the system for no more phone calls I have this call on tape. On Saturday XXXX my call id box shows a call from bayview and then today Monday the XXXX at XXXX XXXX I got another call and no one removed the number or had no record. More fraud that is going on here. Call the media
12/06/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90042
 Web
I have been dealing with Bayview Loan Servicing. Nothing but lies and false information. First I tried to a loan modification. I was turned down for a the modification. So I decided to do a short sale. I was told not enough time. As the paperwork was turned in 63 days a head of the sales date. Also a BPO was ordered with the value coming in XXXX higher then any comparable sales in the area. My house is more of a lot value then anything. Bayview refuses to work with me. All I get is lip service. As CA does not have dual tracking.
11/22/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MN
  • 55406
 Web
I received an email from a real estate agent yesterday indicating that my home is currently advertised with an active rescheduled mortgage foreclosure sheriffs sale date set for XXXX XXXX, 2018. I never received notice from Bayview Loan Servicing or XXXX XXXX XXXX XXXX XXXX about this rescheduled sheriffs sale. Also, although mortgage foreclosure prevention options have been requested numerous times by me and my attorney, Bayview has not communicated them. Resolution and mortgage foreclosure prevention action is urgently needed.
11/16/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 928XX
 Web
I have been working with Bayview in regards to a loan modification to avoid foreclosure. Since the initial start I have been provided the constant run around and being told documents are not being sent in when in fact I have proof they have been sent in. I am unsure why they are playing these head games with me and making me more XXXX and hoping that I give up so they can sell my house. Bayview should have ALL documents they are asking for and there should be no reason to keep asking me for the same documents over and over again.
12/30/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 194XX
 Web
I have made multiple attempts to correct this directly with mortgage company. I have a conventional mortgage with Community Loan Servicing I have made multiple additional principal payments that have not been applied to the principal balance. When I utilize their online payment system I choose for payment to be applied to principal only. There are several payments that show a suspend status. We have made {$15000.00} in principal payments and my principal balance hasn't lowered by much. Please contact me XXXX to discuss further.
09/04/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 92107
 Web
Lender refuses to provide a loan history. I requested it orally multiple times, and in writing several times. They refuse to provide. As one of their excuses, they claimed they provided a statement one and a half years ago and do n't need to now. Another excuse they use is they did n't recieve the fax, though it was faxed multiple times, with confirmation, to the various numbers they provided. Each time, they say they wo n't respond to an oral request, and refer me back to the fax request process that I 've done multiple times.
03/24/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Application, originator, mortgage broker
  • OR
  • 97217
 Web
Bayview Servicing LLC holds my XXXX mortgage ( ex-XXXX loan ) I am currently in chapter XXXX Bankruptcy, because I became behind on payments. My XXXX mortgage XXXX Bank sent me a letter stating the total amount was foregiven ( $ XXXX ) via the XXXX XXXX settlement, But Bayview is refusing to apply my XXXX primary loan ( $ XXXX ) to that DOJ settlement. As I read the settlement my XXXX mortgage should be included as it was a XXXX XXXX XXXX originated, And I still live in the House. my previous XXXX XXXX XXXX loan number # XXXX
02/18/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • 85203
 Web
I have received a very poor credit score XXXX due to Bayview Financial my new mortgage company and the reason my score is so low and late payments, I have never been late on a payment ever. However, I applied for a loss mitigation with my previous loan company XXXX and it was approved for 6 months at {$100.00} per month and then back to regular payments starting in XXXX. Then my loan was sold to Bayview Financial and they are not recognizing my loss mitigation and stating my mortgage has been late all this time. LOAN # XXXX
07/26/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • FL
  • 33844
 Web
I have previously raised XXXX complaints and despite thing the last XXXX had been resolved the Company still have not sorted out the problem. The previous cases are below. I received a letter from Bay View dated XXXX XXXX XXXX advising that I would have a resolution by XXXX XXXX XXXX but it is still going on. I am able to send emails of all of the messages I have sent the company but they just will not respond to me. XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX
03/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33993
 Web
Community loan services LLC. I send XXXX XX/XX/XXXX, {$2000.00}, to my mortgage principal, and they talk me they destroyed my check whit out tell me, they said is not supposed to be made on two checks, I did the extra payment OF {$2000.00} by the phone XXXX XX/XX/XXXX {$2000.00}, I send the extra payment on check, XXXX XX/XX/XXXX {$2000.00} to my principal, every month I must to call them, and ask to applied thru my principal, this bank do not want to applied as is on my mortgage documents, they put it on unapplied funds.
08/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 38125
 Web
XXXX XXXX was debiting my checking account monthly for my mortgage payments. The servicer changed to XXXX XXXX XX/XX/2018.Bayview didn't forward the several months of mortgage payments they had in their possessions to the new servicer XXXX XXXX . I spoke with Bayview several times to request payments be forwarded to XXXX. I have been unsuccessful getting this matter resolved their negligence has caused me to be delinquent on my mortgage and at risk of losing my home. Please assist me with this urgent matter. Thank You
01/14/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • NC
  • 279XX
 Web Older American
My name is XXXX XXXX ; in XXXX my husband acquired a loan from XXXX.using multiple properties XXXX as collateral. He passed away in XXXX with no insurance on a debt of XXXX. XXXX XXXX changed to XXXX XXXX XXXX XXXX XXXX acquired the loan. XXXX Bayview Loan Servicer took the loan with no record of all pieces of property only XXXX piece. My problem is who the holder of the other property and where is the tax escrow that I paid to XXXX and XXXX because my local tax office is threatening foreclosure for nonpayment of taxes.
06/29/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • LA
  • 70094
 Web
Bayview loan servicing is using a delay tactics to provent the transfering of mortgage loan to the XXXX XXXX XXXX 's XXXX XXXX XXXX. credit union requested payout of loan number -XXXX-they said they could not send it until XX/XX/XXXX. XXXX XXXX XXXX 's XXXX XXXX XXXX also reqused the verfaction of mortgage they are also saying they can not send until XX/XX/XXXX. This is a delay tactic and it is not necessary to take that long.

The XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX

08/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • XXXXX
 Web Older American
Bayview Loan Servicing Company took advantage of me and refinanced my home at an alarming interest rate. When I tried to get out of the situation, as I was no longer working, ( retired ) and could no longer make the payments, they were unwilling to help me find a solution. This happened on or around XXXX. They harassed me by calling me multiple time throughout the day, but never tried to assist with helping me find a solution on how to repay on the refinance. I'm a XXXX year old XXXX woman I was taken advantage of.
06/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92626
 Web
Bayview is guilty of financial impropriety and borderline fraud by grossly understating my monthly income and greatly inflating the " value '' of my property for the purposes of foreclosing on my home. At issue is a modification request that Bayview denied ( letter attached ). In the letter Bayview understates my monthly income by {$5000.00} a month and over estimates the value of my home ( comps attached ) by almost {$200000.00} for the purposes of denying my modification request. This is fraud and unacceptable.
09/18/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Have been faxing for a year to get loan modification! XXXX XXXX on loan only, grant deeded and power of attorney to XXXX XXXX, ( proof have been sent ) Bayview said ad XXXX XXXX on paperwork see inclosed! Have XXXX and XXXX on seperate paperwork can afford modification paperwork if XXXX can have someone look at paperwork, sending proof again!!!!!!!! Not sure why modification paperwork can not be reviewed! Have proof of faxes and papework for a year! And XXXX my cousin has been helping me they never call him XXXX!
01/04/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • UT
  • 847XX
 Web
continue to charge for insurance even after prof was submitted in XXXX XXXX 2016, continue to charge XXXX per month and will not deduct from loan payment due. Takes all my loan payments put in applied suspense then pay loan payment from that., then payment comes up short and puts me in default Being charges for something I already pay for. Contacted several times to resolve this still with no response. This is not right , feel that there deceptive practice is very harmful and stressful what next foreclosure .
12/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • ND
  • 58501
 Web
On XX/XX/XXXX I submitted a complaint that Bayview Loan Servicing failed to report the correct date of 1st delinquency. Bayview responded onXX/XX/XXXX that the date was correct. On XX/XX/XXXX, XXXX responded to their complaint verifying that the date of first delinquency wasXX/XX/XXXX and was removing the account ( copy attached and also in CFPB file : XXXX ). Bayview failed to contact XXXX, who owned the loan prior to them, and falsely and fraudulently reported that the information was correct when it was not.
12/05/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 949XX
 Web
Baview Loan Servicing XXXX I was NEVER LATE on this account. On my credit report, they are reporting late payments from XX/XX/XXXX througXX/XX/XXXX which is completely inaccurate. I HAVE ALWAYS MADE MY PAYMENTS ON TIME. Every time I call them they tell me that there are NO late payments but somehow they seem to still be reporting on my credit file and preventing me from getting the credit I deserve. I have also attached proof of payments made on time. I need for Bayview to correct this MEGA error immediately!!
10/26/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • AZ
  • 85249
 Web Servicemember
Bayview Loan Servicing has failed to notify me who my new Asset Manager is. Bayview Loan Servicing has changed our Asset Manager four times. Upon speaking with the third Asset Manager, XXXX XXXX, stated her email address for us to contact her is XXXXXXXXXXXX. Please see Exhibit F attached, of the Lost Payments, Discrimination, Retaliation and harassment email due to fake mortgage note, dated XXXX XXXX, 2016, that could not be delivered to the Asset Manager Bayview Loan Servicing states is assigned to our Loan
03/25/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30004
 Web
Bayview Loan Servicing repeatedly calls our home phone number for an XXXX XXXX. On at least two occassions I have spoken with a operates who have assured my this number will be removed from their records because there is no one at this number named XXXX XXXX. I was assured our number would be taken out of the calling queue. Dates of my call were Monday XX/XX/XXXXand XX/XX/XXXX. One the most recent call, I even told them unless they quite calling, I will file a complaint with the CFPB. Thanks for your help.
06/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • XXXXX
 Web
Dear Bayview Notice of Pendency XXXX ( document number in county recorders ) put on my property by a third party - using a case number that was filed during bankruptcy stay and later discharged. The judge reconfirmed stay in current case XX/XX/XXXX and again XX/XX/XXXX. The third party is trying to block me from refinancing property. The third party did not notice Bayview, XXXX XXXX XXXX or myself in XXXX to my knowledge. I am asking Bayview to look into matter in any way you can to assist with matter.
03/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 45044
 Web Servicemember
I just called them to pay my account current it is four payments behind. They refused to accept payments beause they began the foreclosure process. This is my primary residence. I was advised that they needed to get reinstatement figures and would get back to me by Tuesday. In addition, they have forced insurance on this loan in violation of 12 CFR 1024.37. I have two other loans in which the violarions are so negligent I hired a lawyer to act on my befalf since those also lead to foreclosure actions.
06/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 34746
 Web
Since XX/XX/XXXX asking mortgage company ( Bayview Loan Servicing ) to remove PMI. Finally in April, it was determined that we qualify. Bayview had home appraisal done on XX/XX/XXXX. On XX/XX/XXXX sent letter of denial to remove PMI as the valuation report indicates that our home value depreciated. In addition, Bayview conducted an analysis of escrow and taxes and increased our monthly payment by {$55.00}. To date we have not received a copy of the appraisal report. We requested report on XX/XX/XXXX.
01/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NJ
  • XXXXX
 Web
Bayview Loan Servicing LLC has not responded to a QWR that I sent them certified I asked for all the LEVEL ACCOUNTING and Proof of this PURPORTED DEBT they are trying to collect on. They need to remove themselves off of my credit report at once and they need to Stop Harrassing me. They also need to stop stealing my identity, I am going to press a criminal complaint against them. They have nothing to do with my property!!!!! This account was paid and closed by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX!!!!
02/08/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NY
  • 11212
 Web Servicemember
My issue started in XXXX when I got a loan modification from XXXX. Went through the trial period and got a regular schedule payment one year later. XXXX XXXX took over and they took me back to XXXX stating that they dont see a modification from then I have change services 3 times and no one can basically tell me how they going to resolve the isssue. Im just told to continue paying they will resolve it. Im now 5 years later with no resolution. It affecting my credit and my interest I have left to pay
06/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 27713
 Web
I submitted a previous complaint about two weeks ago Weve received your complaint. Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. COMPLAINT ID XXXX I am continue to have problems with bayview mortgage company asking me the same paper work I have already submitted. For example they want a copy of the deed with my name. I have already given them the information that states I am the executor over the estate
10/04/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
On XX/XX/2020 you responded to : 1 ) my inquiry dated XX/XX/2020 stating i asked one question 2 ) my inquiry dated XX/XX/2020 stating i asked XXXX questions 3 ) my inquiry dated XX/XX/2020 stating i asked two questions 4 ) 3 ) my inquiry dated XX/XX/2020 stating i asked two questions Did you receive these inquiries through CFPB? i have no record of these inquiries please send copies of my inquiries, and copies of the 5 day letter you send me upon receipt of these inquiries according to 1024.36 ( c )
05/01/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28405
 Web
I have paid off my loan but have not received my remainng escrow funds. I paid the loan off on XX/XX/XXXX and it is now XX/XX/XXXX. Per Bayview policy, I am to have my funds " forwarded to me 21 days after the payoff date ''. After ( 2 ) phone calls I was told it was mailed on XX/XX/XXXX ( which is past the 21 days as well ) but that it would take " up to 21 days to get to me in the mail ''. This is alarming as no mail takes 21 days and for the company to make such a statement should be looked into.
08/04/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MA
  • 024XX
 Web
I paid off my home loan in full XXXX XXXX, 2015 to Bayview Loan Servicing in the amount of {$360000.00}. I have not received a lien release or the return of my promissory note. I have repeatedly called and requested both documents. They refuse to even tell me when I will receive them. At this point I am helpless to clear the title on my property. There must be a period of time within which they are required to provide these documents. Please assist me in obtaining them to clear title to my property
08/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
XXXX XXXX, just to verify your claims in your response dated XX/XX/2020 regulatory case # XXXX XXXX. Why do you waste the paper by sending a copy of Transfer of Service Notice? You like to pad your responses with useless, senseless documents i never asked for so of the 24 pages you sent only one page has responses to the questions, 12 pages were wasted on the Notice, 2 pages were XXXX was Escrow Act History, useless, 6 Bayview loan statements again useless, and one XXXX XXXX Notice from XXXX XXXX.
01/10/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 92841
 Web
about 4 months ago i have sent a complete short sale package to bayview loan was told that it was on review and also requested to send copy of my driver license and social security card i did send all requested document for the short sale today my realtor called bayview loan to check status on the short sale file and he was told that that i am not able to apply for a short sale and the negotiator gave him no reason. i called bayview loan but they are not giving me accurate information please help
10/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DE
  • 19977
 Web
I Cleary asked for The company to provide the XXXX compliance disclosure on reporting transactions to a consumer reporting agency and they did not. COMMUNITY LOAN SERVICING is in violation of the FCRA and XXXX Compliance for reporting transactions to a consumer reporting agency. Notice Of Litigation ( Please See Attached Files ) Hard Copy of this notice was sent in the mail to : Community Loan Servicing , LLC, Customer Support, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX
02/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60504
 Web
Bayview completely ignored laws and is reporting a disputed amount to the credit bureau. Bayview took over my loan and even when I disputed according to the laws that are supposed to protect me, Bayview ignored and reports my account late 60 days which included the disputed payment. Bayview asked me to provide information I did, they reported to credit bureau and had caused me financial damage they are going this, as noted on your site too many many people, when will this company be stopped?
06/08/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MA
  • 014XX
 Web Older American
Chap XXXX bankruptcy discharged XXXX XXXX, ( home was included ). XXXX XXXX sells loan to Bayview. XXXX home mod attempted but not taken by home owner. XXXX XXXX foreclosure re-started, XXXX auction was cancelled. Not rescheduled. Neither Bayview or their lawyers will respond to emails about when or if the auction will be rescheduled. XXXX years after bankruptcy and XXXX years last mortgage payment still no resolution, although they continue to pay the taxes and house ins on the property.
11/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • XXXXX
 Web
XXXX XXXX in your letter XXXX XXXX dated XX/XX/XXXX referencing community loan servicing XXXX you state you're included an escrow transaction history from XX/XX/XXXX to XX/XX/XXXX when you transferred that loan to a different servicer yet I only have page one of one which covers XX/XX/XXXX through XX/XX/XXXX it appears that you've excluded all of Bayview and all of communities escrow transactions send me a correct correct escrow transaction history from XX/XX/XXXX through to XXXX of XXXX
12/26/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • VA
  • 22193
 Web
I am unable to pay mortgage because of hardship due to over extended expenses and medical problems. I therefore applied for home loan modification to XXXX. While the process was going on, they sold my loan to Bayview Loan Servicing. For two months I keep calling customer service and they report that they are unable to help because the loan has been sold. I recently receive a notice that the house is foreclosed and a sale date is XX/XX/2017. I receive no notice from Bayview of the sale.
01/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 90008
 Web Older American
On XX/XX/2022 I applied for an mortgage loan with a major bank. I authorized to pulled my credit reports. The bank told me that my mortgages aren't on my credit reports. I have my current credit reports. I explained I had these mortgages for years. On XX/XX/2022 I contacted my two mortgage companies by fax : 1.Community Loans Servicing, LLC advising monthly amounts {$1700.00} not being reported and 2.XXXX XXXX amounts {$1500.00} not being reported. I have the letters that was faxed.
12/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OH
  • 43615
 Web Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. This account was over XXXX XXXX XXXX and closed. Just to be annoying this company opened it back up and reported it negatively to all three credit reporting agencies and of course dropped the score from over XXXX to around XXXX. This is not the first time that they did this. Once I challenged it with the reporting agencies it was corrected, this however was not something that was done on accident, it was done on purpose.
09/23/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 912XX
 Web
Good Afternoon, we had been working with a mortgage client who had a mortgage with XXXX XXXX XXXX and then transfer to Bayview after 4 years working loan modification was approved and finalize. The issue is Bayview has been placing all payments on Suspense and reflecting the client past due XXXX they have not posted any of the consumers payments properly towards the account and reflecting on credit report. They are under a violation since they are withholding payments on the account.
08/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 070XX
 Web
I was in short sale review and my home went to foreclosure sale on XXXX/XXXX/17. What I do not understand is why the sale date was still active when I was in review and why I would receive a missing items letter requesting items due back by XXXX/XXXX/17 and the sale was STILL held even after I was advised that the sale would be postponed for the review and counter offer. This issue has been escalated and attempts to reach XXXX XXXX and her supervisor XXXX XXXX have been to no avail.
04/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85085
 Web Servicemember
Bayview is reporting derogatory information based on a loan modification that was not fully executed. Therefore no modification was lawfully recorded and therefore the credit information being reported is greater than 11 years old in violation of the FCRA. I have spoken with Bayview and they are aware the modification was not lawfully executed. They continue to willfully and negligently report credit information to their benefit. I demand immediate removal from my credit report
02/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 958XX
 Web
I made my XX/XX/XXXX payment to XXXX XXXX XXXX. They cashed the check on XX/XX/XXXX and then the loan was transferred to Community Loan Servicing. Community Loan Servicing has not posted my payment although I have called them several times and provided them a copy of the canceled check AND my bank statements for XXXX months showing the check was cashed and the funds taken from my bank account. They now say I am due for the XX/XX/XXXX payment even though I have paid through XXXX.
12/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60108
 Web
I contacted Bayview Loan Servicing for the COVID 19 forebearnce plan under the CARES ACT. It is XXXX, and I am shocked to see my credit report, which they marked the LAST 6 PAYMENTS as late payments. It is my understanding that under the cares ACT, no payments are to be marked as late, that I should not have any negative credit reporting. XXXX This is appaling. I can not do anything with my loans now that they did this. They must immediately correct all this late reporting.
04/06/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80228
 Web
I have been talking with a XXXX XXXX a Senior Vice President at Bayview about a couple of issues and I am ignored and jerked around by this company. I guess the people at the CFPB are just as big of XXXX as the people at Bayview are because the CFPB does nothing. I guess all the new Federal laws and mandates with the C-19 going around Bayview just ignores you. Maybe some ignorant XXXX at the CFPB should do something and help people since that is what they are suppose to do.
08/31/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • XXXXX
 Web Older American
The mortgage servicing company has been imposing fees or charges without a reasonable basis or explanation. The company began servicing the loan starting XXXX and the first payment was due XXXX. The company charged fees totaling {$2300.00} between XXXX and XXXX before the first payment was due without explanation or notice. Several instances after that, on XXXX and XXXX a XXXX XXXX balance fee of {$160.00} was charged and there was not an outstanding or past due amount.
05/05/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
I would like to thank XXXX XXXX for her XXXX response to my complaint. I guess that taking 19 months to resolve a matter is fine with Bayview however were is the offer of monetary damages that they have caused me health problems and other stress. I guess after filing a complaint on Consumer Affairs and getting opinions from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX I guess rather than addressing that problem they want to go to court and lose millions which they will do.
10/04/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • XXXXX
 Web Servicemember
I have mortgage through XXXX. I also have a separate personal loan through XXXX. They were both transferred to Bayview Loan Servicing. During this transfer they listed my other loan as a second mortgage, which it was not. I had contacted you about this before and the Mortgage was separated from the other loan. Bayview Loan has now become Community Loan Servicing LLC. They also have this separate loan listed as a second mortgage. I need some assistance on this matter.
04/08/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 60617
 Web
I have a mortgage and I requested a modification that was approved in XXXX 2015. I am filing a complaint because I believe that the terms are unfair and put me in a worse off position than I was. The terms are for 40 years and there is a huge deferred balance that is not explained that is due at the end of the loan. I am was not behind {$83000.00} which is the deferred amount. What is this, how was it calculated and how am I supposed to pay this new loan for 40 years.
03/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60660
 Web
COMMUNITY loan has added more money to my mortgage for FEMA required flood insurance XXXX have been talking to them for months about how I am already paying more in my condo assessment for flood insurance, even sent them a copy of the policy. COMMUNITY loan says they are having problems with the policy because it doesn't mention my unit number, just the condominium building and so this has been going on for 3 months and they are still charging me for flood insurance.
06/21/2016 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • PA
  • 16066
 Web
Yesterday, XXXX/XXXX/XXXX. I received via postal mail, a XXXX Cancellation of Debt " Corrected '' form for XX/XX/XXXX, but it was dated for XXXX/XXXX/XXXX from Bayview Loan Servicing , LLC at XXXX. XXXX XXXX, XXXX FL XXXX ( XXXX ). Should they not have included a dated date on the form or at least put the current year they are sending the form out to me? Please advise as I 'm not sure what to do here or if I have to file an ammended tax return now. Thank you so much.
10/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AL
  • 368XX
 Web
Bayview keeps writing to me about my past due payment. I made a payment arrangement for the payment to come out on XX/XX/2018. But somebody took out money they wasn't suppose to and caused it to bounce. Bayview doesn't need to keep writing to me constantly because I know the payment is behind. But I have made two payment arrangements for XX/XX/2018 and on XX/XX/3018. I have also requested for my payment to be lowered. But i haven't heard anything back from them.
11/20/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 19132
 Web
XXXX XXXX XXXX aproved us for a modification and them filed a fha insurance claim then transferred the account to bayview we attended a conciliation conference on XXXX XXXX and was told by a XXXX XXXX XXXX representative that she contact bayview and they accepted the approved modification after that court hearing we arrived home and recieved in the mail the same day a statement from bayview asking for {$10000.00} to bring our account current or they will forclose
04/27/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 78238
 Web Servicemember
I entered forbearance according to the care act in XXXX of 2020 and continued to make payments as I could until XX/XX/2020 since then community loan services formerly known as XXXX loan servicing has been harassing me for payment and has reported me to the credit bureau 120 days passed due. They've ruined my credit rating and iam not able to qualify for assistance due to their negative reporting and they refuse to correct their mistake according to the care act.
02/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
The loan has been in forebearance for a year and with the presidents order of extending the 12 months and he extended it for another three months., I applied for this and Bayview/Community Loan servicing is refusing to process the request. THey told me that the presidents order means nothing to them. I applied for the extra three months making it 15 months in the middle of XXXX and they have done nothing. I do not want to lose the extra three months please help.
11/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77015
 Web
My mortgage was transferred from Community Loan Servicing in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have XXXX loans and it's giving a balance of {$99000.00} which is affecting my credit score. Community Loan Servicing should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.
12/05/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 170XX
 Web
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
04/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • 08075
 Web
On XX/XX/2019, the judge authorize a stay on my home being sold to work out a modification with the lender : XXXX/Bayview Loan. They refused to accept my application due to exceeding number of modifications. Their are homeowners with five or more modifications. There are No rules stating how many modification are allowed. They have also waited for my previous modification applications documents to expire as to keep me in limbo and allow my home to be sold.
08/01/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • XXXXX
 Web
While checking my credit score on XXXX, i noticed an account closed on my XXXX report and the same account open on XXXX. There is no close date, it still shows incorrect information and theres a statement of foreclosure started. The funny thing is, Bayview loans has not sent a single document since XXXX when they bought the loan from XXXX. In fact, there is no closed date. My mail is not the issue as my postmaster for usps in XXXX is under investigation.
11/03/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • FL
  • 33139
 Web
Bay View loan bought my loan From XXXX on XXXX 2015. I had automatic payment. Bay view services includes an extra charge of {$300.00} every month ( no reason ) they told me screw for taxes and insurance. I provided with all the insurances policies posibles ( I pay extra XXXX year for it ) my taxes ( those were included on the mortgage. They are scan..stealing my money.. I do n't know what to do. XXXX XXXX XXXX XXXXprorperty address:XXXX XXXXXXXXXXXX
03/12/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • PA
  • 15317
 Web Older American
I got another statement today with funds misapplied again. I am attaching the statement I received and I had to call to have the funds properly applied. I had another complaint filed and they continue to misapply funds and I have disputed their findings on your website. I ca n't get any results. Someone has to challenge them to do things correctly. I ca n't get them to contact me and get anything right. My previous complaint was [ Case number : XXXX ].
06/24/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • PA
  • 19087
 Web
I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS.
04/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VT
  • 058XX
 Web
problem whit bayview loan servicing on my credit report about every 2 to 3 month show 30 60 90 days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX people lef and right i try to fine a lawer to file a sue again them but no success yet
05/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 325XX
 Web Older American, Servicemember
In XX/XX/2019 I applied for a mortgage modification due to storm damage and negative equity ( the mortgage is {$170000.00} and the accessed value is {$74000.00} ). I have been unable to rent the property to cover the mortgage amount due to the falling values of property in my area. I requested an exception for a forth modification but it was denied. A principle reduction and modification would enable me to keep the home I have had for 25 years.
05/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 331XX
 Web
I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.
06/03/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 92113
 Web
Bayview loan servicing has changed the loan to another bank and I have not been notified of this loan change or have I gotten any replys from them in regards to the elimination of the fraudulent loan. Someone has filed a default on my property in which no one has ever given me any notification of. I nor my mom have ever taken out any loans on our property. I have sent them all the documents that was requested and they have never responded back.
09/09/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 94598
 Web
my XXXX loan is with Bay View loan servicing. They modified my loan under HAMP program. When i went to modify my XXXX loan with XXXX, I am told that Bay View Loan Servicing failed to file correct HAMP related paperwork with Treasury department. I do n't know what that means and Bayview is unwilling to work with me to correct this issue. My XXXX loan with XXXX is stuck. In the mean time, i am falling more and more and more behind on my mortgage.
02/14/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • IL
  • 60628
 Web
I have been try to get modification done by bayview loan company I been in touch with lady by name of XXXX XXXX but after talking to her a few weeks ago I have heard anything else about my paper work been filed or sent up to review board I been trying to reach her but no response I also call on monitor talk to a supervisor but they hang up the phone on me I need help try to get some answers from them. Can you please help me thank you XXXX XXXX
03/24/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 91342
 Web Older American
I am doing a short sale for a client and the mortgage company, Bayview Loan Servicing gave us an approval in XX/XX/2016, but now refusing to honor that approval, so we can close. They have told me several times that the short sale was approved, but when I asked for the renewed approval letter, they keep lying to me. Their intention is not to process the short sale, but to foreclose. They now renege on their agreement in the past to the value.
01/04/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30044
 Web
I contacted CFPB two years ago about how Bayview is extorting me every month. For 2 years they contact Bayveiw that, regardless of documentation and facts, says 'no we 're not ' and this useless agency CFPB sends me a copy of this jibberish response as if they added some value by copying and sending to me. CFPB has proven to be useless, ineffective and a monkey with a copy machine could serve me better for all CFPB does or cares. XXXX XXXX
10/14/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34986
 Web
Bayview Loan Servicing is applying an additional fee that states " Recoverable Corporate Advances '' to my Mortgage payment before the grace periods has expired. I was never advised of this information and why is there an additional fee applied to the payment that is received on or before the grace periods has expired. I was advised during the modification of my loan that my payment needed to be received on or before the XXXX of the month.
01/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90027
 Web
My mortgage was purchased by Bayview Loan Servicing LLC and they requested a copy of my homeowners insurance. In order to refinance my property I provided proof of insurance and always maintained insurance on my property. They purchased my loan and have insurance agent 's agent information why not just contact them? It looks like they are running a scam by placing insurance on your property knowing that borrower already has insurance.
09/07/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34212
 Web Older American
I am trying to payoff my existing mortgage with Community Loan servicing. On the payout form they have charged an additional four and three eighths percent or {$980.00} to my principle balance. this represents a full years interest on the existing loan. There is no explanation " includes 2nd UPB ( {$0.00} ) and " interest at 4.375 %. Can they do this? Have I any recourse? Thank you in advance for any advice you can offer. XXXX XXXX
12/03/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 950XX
 Web
My home is being illegally foreclosed on. The banks used fraudulent activity such as robo-signatures in order to foreclose. I have tried several times to re-modify but the bank denies my request. The information is always incorrect to make it look like for one reason or another I can not qualify. When in actuality I should qualify for more than one of the federally funded programs. I have a second job/new full time job with XXXX.
06/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80228
 Web
After requesting three times to have no more phone calls until these XXXX resolve the complaints I received another phone call on Tuesday XX/XX/2019 at XXXX from XXXX after three times telling them I want no more phone calls and asked to have my number removed on three calls previous they have failed to do so and now today 6-11 they are just running the message until it cuts them off saying nothing. More XXXX from these XXXX.
12/13/2020 No
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • DC
  • 20002
 Web
Community loan servicing AKA Bayview loan servicing during a loan modification the company reported me as being 120 days late 23 times during the modification period this is impossible that equates to 5 years and also how was the reporting made doing the modification this is furthermore destroyed my credit report and scores have reached out to them on several occasions with no response looking to get this resolved ASAP. Thanks
06/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80228
 Web
Today being XXXX I received another call at work today atXXXX from XXXX which is Bayview and I have now been warned by my employer that continued personal calls will cost me my job since back on the XXXX of XXXX XXXX told me that they were removing my number. If I lose my job I will be unable to make the house payment all because of Bayview calling me at work and breaking Colorado Law as well as Federal law with calls at work.
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33125
 Web
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
07/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 18064
 Web Older American
I been contacting my mortgage company regarding eliminating the PMI for the past 2 years. Although they agree that it should have been eliminated, it hasn't been. Each time I call, I'm promised that it will be removed but each statement since has included the PMI charge ( {$90.00} per month ). I'd like assistance in eliminating this charge & recovering the past payments. My primary contact at Bayview Loan Servicing is XXXX.
03/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 934XX
 Web
This company keeps saying I am 4 payments in arrears. I keep saying it is only 2 payments ' have repeatedly asked for the accounting records. All they have produced is a document showing two payments in arrears, yet they are threatening foreclosure over this fact that I am 4 payments behind.. In California that is illegal. I have asked for this 5 times in over 90 days. They must stop this harassment and provide accounting.
10/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32958
 Web
XXXX XXXX is reporting correct but ORIGINAL CREDITOR : COMMUNITY LOAN SERVICING LLC XXXX is not reporting correctly. I was protected in a covid forbearance in XXXX making my 3 `` trail payments '' in XXXX XXXX with my modification starting XX/XX/XXXX. COMMUNITY LOAN SERVICING LLC is reporting 180 days late for XXXX XXXX and XXXX DATES=, XXXX XX/XX/XXXXXXXX XXXX : XXXX - this loan was transferred to XXXX XXXXXX/XX/XXXX
11/24/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • XXXXX
 Web
In your response to case number XXXX Please identify the rep who prepared the document conveniently the name is missing why did that happen? Additionally it appears you've been sending XXXX XXXX documents on my case tell me when that commenced and who ordered you to send XXXX XXXX documents send me any subpoena any summons any letters correspondence emails between you and XXXX XXXX at any time during this mortgage
05/04/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 43068
 Web Older American
My loan was modified on XXXX / XXXX / XXXX . Also the service of the loan changed hands from one bank the another. I also had a balloon payment added to cover attorney fees and escrow shortages. Some time in XXXX they added more onto my note and saying I have to pay this now. I have made my regular payment and will not pay this because I think it is wrong that long after modification was completed completed.
10/03/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33825
 Web Servicemember
I HAVE BEEN FIGHTING TO SAVE MY HOME FROM XXXX XXXX XXXX NOW THEY HAVE TRANSFERED IT TO BAYVIEW LOAN SERVICING XXXX .I HAVE SENT ALL INFORMATION AS REQUESTED THROUGH MY ATTORNEY HAVE VERIFICATION FROM BAYVIEW BUT ON BAYVIEW WEB SITE I NOT EVEN IN THE SYSTEM WITH THEM.I HAVE THE UNDERSTANDING THAT WHILE A MOD IS BEING DONE FORCLOSURE SALE CAN NOT TAKE PLACE UNDER DOD FRANK.MY HOME IS SET TO BE SOLD XXXX/XXXX/2015.
02/26/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • AZ
  • 85024
 Web
Regarding case # XXXX. I do n't have the time to mail this in as Bayview is proceeding with trying to steal my home. Newest foreclosure auction date is XXXX/XXXX/17. I am attaching the supposed report they sent me showing the audit of my loan and crediting my account that I can not decipher because it looks to be an in-house report with codes. It shoiuld have been attached, but it would n't allow me to attach it
09/21/2017 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • IL
  • 60107
 Web
My loan XXXX, his processor and myself have made multiple request for a payoff of my current principle mortgage balance from my current mortgage lender " Bayview Mortgage ''. and they refuse to send me, my loan XXXX or his loan processor a copy of the payoff letter. They have delayed my refinance for a month now causing me financial loss! Please intervene asap so I can refinance my mortgage and save money!
12/12/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30034
 Web
XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.
07/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 180XX
 Web
Bay view loans continues to report that I have an open account and that payments are incorrect. I have already signed a legal document that states the mortgage and dead have been surrendered to XXXX XXXX . XXXX already shows the corrected information that matches the legal document, yet XXXX XXXX is still receiving incorrect information. All documents have been filled with the court system.
06/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Bayview Loan Servicing LLC has violated Bankruptcy Law and State and Federal laws by trying to foreclose on our home. XXXX XXXX XXXX has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer XXXX XXXX XXXX developed a scheme and transferred loan to Bayview Loan Servicing to cover up Bankruptcy Law violations.
12/15/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • XXXXX
 Web
XXXX : XXXX XXXX XXXX I would like you to clearly establish our alleged relationship as the new servicing company. Requesting : Assignment of Mortgage, Rents Agreement of relationship with beneficiary Confirm foreclosure has been cancelled due to inaccurate accounting - XXXX payments have not been applied Confirm the Original Note is available to view, you have seen, and confirmed trustee has also seen
01/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 34711
 Web
COMMUNITY LOAN SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Open XX/XX/XXXX Status updated XX/XX/XXXX Balance {$250000.00} COMMUNITY LOAN SERVICE Has committed Securities Fraud and Identity Fraud. I have never consented to there mortgage. COMMUNITY LOAN SERVICE have taken my identity and take out Securities out in my name without my consent That is Securities FRAUD and Identity FRAUD.
07/10/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95125
 Web Older American
I have applied for loan modification and have given Bayview Mortgage all my info and income and been denied laon modification, I am XXXX XXXX XXXX and have asked for assistance but yet been denied. I am very able to start making mortgage payments and get back on track, just need a loan modification for the past due amount. I am asking for assistance and yet can not get any help. Please help me.
06/29/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92530
 Web Servicemember
Bayview is issuing incorrect statements and applying my mortgage payment incorrectly. I pay my mortgage payment at the end of each month and include the late fee each month. The mortgage company does not apply the payment correctly and I have to call them EACH month to explain their mistake. I was a senior underwriters in the past and they are negligent on my loan servicing for over XXXX years now.
01/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94403
 Web
When I first called Bayview Loan Servicing, they asked me if they could send me text messages. I said " no '' on the phone. They start sending me text messages anyway. They lie in the text message saying that I signed up for text alerts -- I did not. When Bayview asks you to " re-confirm '' opting-in, they ask you to say yes. The word " no '' is not even an option! See the attachment as proof.
01/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94403
 Web
When I first called Bayview Loan Servicing, they asked me if they could send me text messages. I said " no '' on the phone. They start sending me text messages anyway. They lie in the text message saying that I signed up for text alerts -- I did not. When Bayview asks you to " re-confirm '' opting-in, they ask you to say yes. The word " no '' is not even an option! See the attachment as proof.
10/30/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60651
 Web
Not able to talk with people in right departments to get answer regarding funds being held by them. Lady keep hanging up on me and telling other employees to do same after they transfer me to right department. Never get any answers regarding covn 19 forbearance or way Im being charge extra late fees, etc after being sign up for same.. no tell me when it ends and how I go about getting extended
10/12/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CT
  • 060XX
 Web Older American
I applied for a mortgage modification as I was unable to make the payments on a home I own. This is not my primary resident, but rather a home I rent out to others. The mortgage company did offer me a modification where I can pay {$540000.00} for the home which has been appraised at {$320000.00}. So this modification would allow me to pay over {$220000.00} more than the home is actually worth.
04/18/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 07753
 Web
My XXXX husband who left our family to be with another woman, agreed to pay the mortgage, he in turn did not. All of while us feeling secured, I am blindsided with an XXXX notice. Moving forward, while trying to take care of my mother who suffers from XXXX as well as my daughter who now suffers from XXXX XXXX, due to this disruption, while attending XXXX XXXX, I am trying to save our home.
08/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 606XX
 Web
We wanted to end the forbearance on our loan. The loan servicer sent a loan modification, adding 10 years to the back of our loan. Adding the full forbearance amount to the principal and charge interest on it. This is against federal law. When we asked to modify the loan by adding the unpaid balance to the back of the loan, they said the investors wont allow that. This is unacceptable.
12/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
XXXX XXXX, Regulatory Case Number : XXXX you sent 138 pages 128 that i already rec 'd can you identify which pages do you consider the response for which questions you see you combine several Notice of Errors and QWR in one response im glad you admit, " we understand that it may be difficult to reconcile these documents '' then why dont you make it easier for the mortgages you SERVICE?
04/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94403
 Web
I am unable to change my contact email address or turn on paperless statements because of website errors. I have emailed them and called them and they have not fixed the problem with their website. There is a reason they have an average 1.5 star review on XXXX .... You will literally never get a response from XXXX even though that is what they tell you to email for problems ... ...
06/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21037
 Web
I received the attached check, # XXXX, dated XX/XX/2022, for vendor name XXXX XXXX, vendor num XXXX, amount of {$26.00}, with check stub date XXXX, for invoice/credit memo XX/XX/2022, description of XXXX # XXXX. I request all documentation to substantiate the issuance of this check, copy attached, for so-called invoice from XX/XX/2022 for vendor name XXXX XXXX , vendor num XXXX XXXX
08/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 300XX
 Web
My home is up for a foreclosure sale the XXXX Tuesday in XX/XX/2018. The assignment that being used to foreclose was created after the cut off date of the alleged trust that claiming to have Power of Attorney. I revoked the power of attorney that was given to the XXXX XXXX with the Borrowers Waiver of Rights in the XXXX County Courts. The assignment is robo signed and fraudulent.
02/01/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 18020
 Web
We had a written approval to close XXXX/XXXX/16, shortly after receiving it we learned there was second lien. We asked several times prior to XXXX/XXXX/16 for an extension to deal with the other lien. We were not able to get in contact with the negotiator or receive any movement on our request at all. We need an extension, so we can resolve the XXXX lien and close the short sale.
01/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33009
 Web
My credit reports show my mortgage paid late even after I made forbearance arrangements with the lender in violation of the CARES ACT REGULATION 5. I have attached a copy of my report for this account for the last 2 years. The other complaints were credit card companies that reported lates after arrangements were made and honored. Please see attached files for each account.
09/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55016
 Web
We went into forbearance with our mortgage through Bayview, in XXXX, due to covid. After receiving the stimulus money we paid our mortgage for XXXX and XXXX in XXXX. Bayview is reporting us late for XXXX and XXXX which is incorrect. We asked them to fix it and they deny that theyve reported it late. We then placed a complaint with XXXX and they said Bayview reported us late!
11/10/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30087
 Web
I have contacted Bayview Loan Servicing XXXX on several occassions to request that their records be updated to reflect my current loan status. The company has recently refused to speak with me or provide account information. The company has also failed to remove erroneous data from my credit reports. A copy of my recent correspondence to Bayview with more details is attached.
08/27/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Have power of attorney, faxed modifcation and loan assumption and loan see paperwwork! Finally i get mail, not sure why a sale put if all paperwork in, call and goes to voice mail and CAN NOT get to another REP! WHY should be albe to talk to someone! My cousin XXXX at XXXX has authorization and been helping me! SOMONE PICK UP PHONE and have sent three different packages!!!!!
11/23/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • KY
  • 424XX
 Web
Was on active forbarence plan with flagstar called to request to come out and selected the option to put missed payments at back of loan in XXXX was told I would get a letter to except offer and not to pay at this time until after letter was received them today XX/XX/XXXX received letter from a different servicer sayin they own the loan and no offer of any type was reported
03/14/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 902XX
 Web
Hi my name is XXXX XXXX and my property was wrongfully foreclosed on XXXX/XXXX/2016 by Bayview Loan Servicing , LLC while I was in the process of a modification, I was currently in review for the HAMP program and was told to get insurance, while I was shopping for insurance my home was foreclosure and now i am left homeless as I have already been evicted from the property.
04/06/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MA
  • 02125
 Web Servicemember
I went from XXXX to XXXX loan, tranferrred to XXXX loan. I was paying {$690.00} a month affordable. II went in to pay one month about 4 years ago and XXXX was like we need more. They wanted {$1200.00} then {$1500.00} a month my entire monthly income amount. I tried to modify and they sold to XXXX and they recently sold to Bayview. ANow I am scheduled for auction on XXXX.
06/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80228
 Web
On XX/XX/2019 at XXXX Bayview Loan Servicing again called my work number and I have been fired from my job because of all their calls after XX/XX/XXXX there were suppose to be no more calls and I was told that my number was being removed which it was not and since Bayview continues to break Federal and Colorado Law with calls at work I am now unemployed because of them.
04/03/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 93021
 Web
Bayview Loan Servicing refuses to send me monthly statements despite a Federal Bankruptcy Court order to do so. They are also withholding applying my payment to my account in a timely manner, essentially increasing the interest they earn. For example, I send them my check on the XXXX of every month but they do no apply the amount paid to my loan until two weeks later.
06/04/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92101
 Web
Service provider Bayview Loan Servicing LLC applied hazard insurance to my mortgage ( XXXX XXXX through XXXX XXXX ) account in excess of any authority in the loan agreement. I would like a full refund of money collected for hazard insurance and any overpayments to an ancillary escrow account. The Servicer also issued a Notice of Default based on erroneous accounting.
05/29/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07621
 Web
Bayview Loan Servicing co ntinuously ignores my requests to resolve modification that should have been accepted from the prior servicer, and credit reporting that should have been corrected. Attached are the documents. 1. My Daughter was removed from the loan by XXXX . 2. XXXX modified this loan, but Bayview is refusing to accept this modification,.
01/02/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94403
 Web
Their website is broken and they are not responding to requests to fix it. The company has a misconfigured website and I am unable to pay online. Their DNS configuration is wrong and needs to be fixed. I have emailed them several times about this and have had no response. You can see other complaints online about their broken website and it is still not fixed.
12/20/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 94124
 Web
This debt collector has been erroneously reporting late payment and delinquent payments for the last year. This company is an fraudulent debt collector/mortgage servicer and should have been closed down by the financial regulators. How is the bureau going to allow Bayview Loan Services to continue over the last 10 years to fraud and steal from American citizens?
12/01/2016 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MI
  • 483XX
 Web Older American, Servicemember
I applied for and received from XXXX {$3200.00} to help me with my escrow through Bayview Loan Servicing.BLS received by echeck XX/XX/2016 and sent back {$2000.00} to XXXX and ca n't explain to me why.I have heard all year that they are looking into the matter.In the meantime my credit report is poor and only because of BLS.and i am having trouble buying a car.
01/02/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94403
 Web
Their website is broken and they are not responding to requests to fix it. The company has a misconfigured website and I am unable to pay online. Their DNS configuration is wrong and needs to be fixed. I have emailed them several times about this and have had no response. You can see other complaints online about their broken website and it is still not fixed.
03/25/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 92705
 Web
Bayview XXXX foreclosed on my property without proper notice nor will provide documentation to me or my legal counsel showing they did act within the law. Me and my legal counsel has requested the required documentation from the trustee Co and have not provided proper documentation. I was in the middle of a loan modification while all of this was taking place.
01/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • XXXXX
 Web
I SUBMITTED A COMPLAINT REGARDING MY LOAN THAT IS SERVICED BY BAYVIEW LOAN SERVICING FOR XXXX XXXX XXXX, REGARDING THE PREDATORY LOAN I HAVE WHICH HAS DIRECT VIOLATIONS TO THE TRUTH IN LENDING FEDERAL LAWS THAT IS STILL UNDER INVESTIGATION, WHICH BAYVIEW IS FULLING AWARE OF BUT THEY ARE STILL TRYING TO MOVE FORWARD WITH THE FORECLOSURE OF MY HOME ON XX/XX/19
10/10/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30038
 Web
my home was last transferred to Bayview. the last company was XXXX, and was in the process a loan mod. i sent them my documents and they still transferred my loan. i lost my job, business, and had nervous break down. i am now trying to work on a loan mod to save my home. i am better and have means of paying an affordable payment with the rightful for party
07/29/2016 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • CA
  • 93010
 Web Older American
would like to know if this derogatory statement can be taken off, although it was not foreclosed and ended up Short Sale. this has been a hard hit for me and getting to refinance is a show stopper. They got there money through short sale. This happened 2012. All I am asking is to please remove this statement as it not true and never happened a Foreclosure.
10/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • NC
  • XXXXX
 Web Older American
We applied for a modification of my mortgage XX/XX/XXXX and the modification was approved XX/XX/XXXX. As of XX/XX/XXXX, we have not received any paperwork regarding the finalization of the modification from Bayview Loan Servicing. We continue to receive late notices from our primary lender ( XXXX XXXX XXXX ), as only partial payments are being reported.
08/11/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19720
 Web
Company repeatedly corrects my credit report after a CFPB complaint and then immediately puts late payments back on my credit report once case is closed. This is the 3rd time. Each time Bayview Loan Servicing acknowledged their error and each time they report negative information which is against court order and lawyer. My account has NOT been past due.
06/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 75052
 Web Servicemember
Submitted loan modification with Bayview Loan Servicing. Prior to Bayview 's decision regarding the loan modification I was contacted by a law firm that my home was scheduled for foreclosure sale on XX/XX/2018. Bayview through deception processed my loan modification with no formal decision and proceeded to push my home through foreclosure proceedings.
08/19/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 23607
 Web
Our mortgage loan was sold from XXXX to BayView loan service in XXXX and the transfer process did not go smooth it took them 3 months to give us an account number. in addition, they lost XXXX of our payments which caused three years of confusion which in turn lowered our credit scores significantly and we finally got it cleared up this month XXXX XXXX.
03/28/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85257
 Web
This concerns Bayview Loan Servicing 's ( " BLS '' ) refusal and failure to resolve major discrepancies and mishandling surrounding a closed account. After fourteen ( 14 ) months of numerous and continuous phone calls and e-mails to BLS, the issue remains unresolved. Please see the attached timeline for a history of our efforts concerning this matter.
05/24/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30035
 Web
Loan servicer is Bayview. I 've been in my home for 12 yeasts, & Bayview has been the servicer for several of those years. I have had a modification done, but my loan balance is just as much as it was when I purchased the loan. When they received the loan, the balance was almost {$10000.00} less than it is today. The interest rate is still 3.00 %.
06/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AZ
  • 85395
 Web
My ex husband got a house with me in my name then he XXXX XXXX me and I moved out and filed for XXXX and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
05/02/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
To add to the other complaints after my son spent over a year trying to become the successor this letter was received from a XXXX XXXX of Bayview. This was done after almost 19 months of trying to get it done. Now since I am the husband and was the one looking to become the successor they put it in the wrong name. Just another comedy of errors.
02/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
on XX/XX/20 i rec 'd a statement dated XX/XX/20 with a reinstatement fee of {$40000.00} they refuse to give a breakdown of how that fee is calculated i have asked in the past for a explanation of escrow balance late charge balance rec corp adv unapplied funds but they refuse which is a violation of the CFPB i am also asking for a pay off figure
12/03/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • OR
  • 97116
 Web
We have submitted an offer back in XXXX 2016. The loan servicer ( bayview ) said they need to do a land and interior appraisal before they can review the offer for a decision. This process has been delayed and ongoing for over 7 months. We feel the loan servicer has mid handled this file and is probably out of compliance with their review time.
10/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MA
  • 023XX
 Web
See Attached Formal Letter of Complaint outlining the details of the process and inability for Community Loan Servicing to complete the loan modification program. I have included some of my notes from the multiple calls made to them, as well as all other documents showing I have done all that is required and they fail to complete the process.
06/05/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • MO
  • 631XX
 Web
We paid-off our mortgage on XXXX XXXX of this year. Our former lender ( Bayview Loan Servicing ) acknowledges that they received funds on XXXX XXXX. We called this evening ( XXXX XXXX ) to inquire about refunding the balance remaining in our escrow account. They informed us that it is their policy to wait 30 days before processing the refund.
02/01/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19053
 Web
I've been contacting loan servicing mom loans for almost a year now submitted documents they are for they said they didn't get them I fax them mail I know my mom had insurance on the house that if anything happen to her on my father that it would be paid off and these people are fighting me them loan is in my mom 's name and a half the money
04/20/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33157
 Web
Despite repeated requests, Bayview Loan Servicing , LLC has failed to correct the monthly payment due amount on my account and continues to erroneously report my account as late to the credit reporting agencies, thereby adversely affecting my credit. In addition, Bayview unilaterally altered the terms of my loan to include an escrow account.
02/01/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19053
 Web
I've been contacting XXXX XXXX XXXX XXXX for almost a year now submitted documents they are for they said they didn't get them I fax them mail I know my mom had insurance on the house that if anything happen to her on my father that it would be paid off and these people are fighting me them loan is in my mom 's name and a half the money
01/30/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NC
  • 28352
 Web Older American
I have been trying to make contact with a individual via telephone and I am not able to speak to anyone. I am put on hold for several minutes. However, I am getting letters that they need funds before a certain date. I would like to discuss other payment arrangements but I am unable to do so. I have continued to make my monthly payments.
05/14/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 93561
 Web Older American
I have a current mortgage contract for a fixed 2 % loan and the lender arbitrarily changed my interest rate to 8.625 %. My monthly payment has been {$540.00} and the lender has now raised it to {$2000.00}. I have contacted the lender by phone several times to resolve this matter but they are unable or unwilling to resolve this matter.
10/26/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • DE
  • 19720
 Web
My previous complaint was supposedly resolved and yet my transunion account was NEVER updated to show no late payments. This is a constant thing with this company. They asked me to wait 30 days and its been well over that. My payments were never late as agreed in all XXXX complaints. I want this resolved so I can move on with my life.
09/11/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AZ
  • 85024
 Web
Hi, my name is XXXX XXXX. I already have submitted a complaint, however it said where I send the mortgage company Qualified Written Request Letters that if they do n't answer to send them another QWR, ( which I did XXXX XXXX, 2016 documents attached ) ... and then to submit a complaint to CFPB.. ( which I am doing now ... ) Thank you.
06/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MD
  • 206XX
 Web Servicemember
Community Loan Servicing residential was bought out by a company named XXXX XXXX. I paid off my residential loan and Community Loan Servicing owes me a large escrow check. They are not picking up and the new company has no record of my loan, address or anything. Help! I can't be the only one that got caught in the company being sold.
06/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80228
 Web
After being told that my number was being taken out of the system at XXXX on XX/XX/2019 I got another phone call that no one talked on the message for minutes and I was told last week that I would not be getting any more calls after being hit by a drunk driver and this is the way Bayview operates. They continue with the harssment.
08/04/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 93536
 Web
I have been trying to get a loan modification since my layoff in 2009, I have been denieded XXXX times by XXXX different loan companies the latest to be Bayview Loan Servicing everytime I apply my loan is sold. I am just looking for a little help in keeping my home. I will upload my hardship letter so you can read the whole story.
06/29/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21740
 Web
About XXXX months ago, my mortgage processing company started removing the balance amount of my mortgage loan. I called a month ago and was told this would be corrected but it was not. The monthly statements do not provide the remaining loan balance. Company is Bayview Loan Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX
06/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33160
 Web
This company regularly reports the wrong information to the credit Bureaus. They falsely reported that I paid XXXX, XXXX, and XXXX ( 2020 ) late. They adjust my balance by {$8000.00} up and down every month which swings my credit score by 50 points. Due to these mistakes, my credit dropped from XXXX to XXXX since XX/XX/2020.
01/14/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Again trying to get loan modified, have been faxing since XXXX, XXXX XXXX signed loan documents, and signed over POWER OF ATTORNY, get a letter saying CANT VERIFY XXXX XXXX INFORMATION!!!!!!!!!!!!!!!!!!!!!!?!!?!? Not sure why see original loan appilication XXXX AT XXXX NEVER CALLS BACK going to start pulling phone records!
07/16/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 338XX
 Web Servicemember
case # XXXX / Bayview loan forclosed without hearing/sold my property without hearing and today changed the locks, I can not get anything to include my vehicles they did it WITHOUT HEARING thanks to corrupt layers and judges XXXX county XXXX XXXX of a way to treat a XXXX vet but then again you do n't give a XXXXCASE # XXXX
12/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 53144
 Web
I am seeking mortgage interest information from XXXX for the years XXXX and XXXX. I have tried for over a month to find the correct contact information. This information is needed for me to refile my federal tax forms for XXXX and XXXX. I would also like to have a payment history for those two years regarding my mortgage.
05/05/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MD
  • 20852
 Web
I have a loan modification application XXXX . The POC XXXX XXXX at XXXX XXXX XXXX ext. XXXX Does not return my emails or calls. Meanwhile, my loan modification application lapses and I will be denied and m home goes to foreclosure. Dates when I have called : XXXX . XXXX . XXXX XXXX XXXX XXXX
02/16/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11704
 Web
Explanation of Amount Due Principal {$1600.00} Interest {$330.00} Escrow ( Taxes and Insurance ) {$2000.00} Regular Monthly Payment {$3900.00} Fees & Charges Assessed* {$11.00} Past Due Amount** {$52000.00} Total Amount Due*** $ XXXX This is incorrect I want to get this resolve on my monthy statement to send the payment
02/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OK
  • 741XX
 Web
Community Loan Servicing has grossly discriminated against me in their treatment of me as described in the attached document. They continue to refuse to provide me with complete documents and information that I've requested, and sent me a letter with false and deceptive statements as described in the attached document.
08/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WV
  • 248XX
 Web Older American
Got the loan through XXXX another company bought it out BAYVIEW bought the loan they call 5 times a day my mom is XXXX year 's old the said the would work with her the took out two payments when XXXX was on the loan, that was illegal.Overdrew her checking account she could not pay her bills and was overdraw {$300.00}.
04/15/2017 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 300XX
 Web
Bayview Loan Servicing made misleading and lies both verbally and writing about timeframes, loan modification processes, and steps to take to keep my property out of foreclosure. The representative, XXXX, made many false claims ( again both verbal and in writing ) that negatively impacted my loan modification process.
12/04/2016 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 72118
 Web
XXXX XXXX XXXX closed my home loan/sold it to Bayview LLC collections and BAYVIEW will not report to the credit Bureau for some reason never missed a payment in 10 years this is not right that XXXX XXXX XXXX clearly says no late payment since 2007 XXXX XXXX XXXX is still on my credit report..but as closed real estate
07/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80228
 Web
THESE XXXX KEPT CALLING ME AT WORK AND I LOST MY JOB AS THEY VIOLATED FEDERAL AND STATE LAWS AND I HAVE COMPLAINTS OPEN AND THESE XXXX TAKE THEIR SWEET TIME DOING NOTHING. I GUESS WHEN THEY GET SERVED WITH A HUNDRED MILLION DOLLAR LAW SUIT AND THE STATE OF COLORADO FILES AGAINST THEM THEY CAN GET THEIR XXXX MOVING
08/18/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 949XX
 Web
We filed a compliant with CFPB re Bayview Loan, they responded to the compliant with a letter and a phone number to contact them, but after trying for 8 days a couple times a day the phone number does not work. That is a great idea, just never have a working phone number so no one can call and bother you ... ... ..
01/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07042
 Web
We pay mortgage monthly including escrow for property taxes but have received multiple notices from our township that property taxes have not been paid since XX/XX/2019. I have called bayview loan servicing multiple times over the past few months but they have not yet paid taxes on this property nor resolved this.
10/04/2016 Yes
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Right to dispute notice not received
  • VA
  • 22193
 Web
On XXXX/XXXX/2016 Bayview Loan Servicing became my new mortgage servicer. On XXXX XXXX, 2016, I received a welcoming package from same company that did NOT include a debt validation notice, as I understand is required by law under the FDCPA. I 've checked the front and back of the documents, which I have attached.
08/15/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • VA
  • 228XX
 Web Older American, Servicemember
My mortgage is " underwater ''. I do not have an FHA mortgage and my mortgage is not backed by either XXXX XXXX or XXXX. I have searched for an FHA Short Refinance but am not able to even apply as NO MORTGAGE LENDERS PARTICIPATE in this government advertised program. Why advertise a program that does not exist?
03/18/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10710
 Web
I made payment to bayview loan servicing my account # Borrower XXXX XXXX XXXX Loan Number XXXX Monthly Payment Due {$2700.00} Bayview Loan Servicing refuses to post my timely payments so that they can hit me with a late fee!!!!! They have my {$2400.00} in suspense and did not post my other paynment of {$270.00}
11/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
Made the XXXX payment and they refuse to post it to the account and have left it in a suspense account and there is no payment being shown made after they have take the money. I am beginning to think that Bayview is a XXXX group that is collecting money for their cause. They are a bunch of XXXX and XXXX people.
01/03/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • 900XX
 Web
I have requested closing documents for the sale of my property which occurred on XX/XX/19. I requested the sale documents on two different occasions but have not received a response from Bayview Loans Servicing, LLC. Nor have Bayview submitted all of the documents that were sent to me from XX/XX/19 to XX/XX/19
03/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • XXXXX
 Web
A REQUEST FOR BAYVIEW LOAN SERVICING LLC LOCATION OF XXXX FLORIDA TO REPORT XXXX XXXX XXXX SINGLE FAMILY HOME OWNER MORTGAGE SALE ON AROUND XX/XX/2017 TO THE THREE MAJOR CREDIT REPORTING AGENCY 'S 1 ) XXXX 2 ) XXXX 3 ) XXXX XXXX. LOAN # XXXX PROPERTY ADDRESS : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
02/13/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 08005
 Web
While performing a credit check through XXXX, a new loan just magically appeared on my credit score. I have no knowledge of who bayview loans are. I feel as if XXXX XXXX may have taken the original loan and sold it to this new back without sending any information about all the reports I have filed through XXXX
04/11/2015 Yes
  • Debt collection
  • Mortgage
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90035
 Web
My mortgage is being serviced by Bayview. I 've been charged a " rec corp advance '' fee ( {$140.00} ) which I am told is due to a recent appraisal of my home. This is not on the national schedule of fees, I never agreed to it, and they have refused to take it off my bill. I 'd like it removed from my bill.
04/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75068
 Web
On XX/XX/2018 I spoke to XXXX XXXX regarding an error Bayview Loan Servicing created on my Loan Number : XXXX XXXX sold my load to Bayview Loan Servicing. Bayview Loan Servicing is reporting I am 3 months late. However I have never been late as I have banking information and statements showing my payments.
04/07/2017 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • PA
  • 173XX
 Web
I received a letter today from ( Bayview loan servicing llc ) They bought my loan from ( XXXX ) in PA they bought my loan back in XX/XX/2016. I have been current on my loan with no missed payments since i took the loan out. The letter states that they will for close on my house in loan is not paid in full.
06/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92078
 Web
Bayview is woefully understaffed for the loans they are servicing. They never answer the phones and it takes and rarely respond to email requests. They have acted with gross negligence handling this short sale request and borrower is being unnecessarily forced into foreclosure due to Bayview negligenc e.
06/12/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
due to the fact that i have limited internet connection and access to a computer i am asking Bayview and XXXX to send copies of their responses via US mail. i included an email address in my complaint thinking it would make it easier, if Bayview and XXXX can make a note to send a hard copy in their file
03/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 322XX
 Web
A REQUEST FOR XXXX XXXX XXXX XXXX LOCATION OF SOUTH FLORIDA TO REPORT XXXX XXXX XXXX SINGLE FAMILY HOME OWNER MORTGAGE SALE ON AROUND XX/XX/2017 TO THE THREE MAJOR CREDIT REPORTING AGENCY 'S 1 ) XXXX 2 ) XXXX 3 ) XXXX XXXX. LOAN # XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
04/22/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NC
  • 28277
 Web Older American
Received last statement on XXXX stating that the balance on my mortgage= {$270000.00} When closing on XX/XX/15, total = {$290000.00}, so asked for accounting of why Bayview/XXXX took an extra {$16000.00} from our payoff. Asked for accounting and audit of where these funds are and why the discrepancy?
06/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • 974XX
 Web Older American
I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to XXXX XXXX XXXX XXXX they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around
09/14/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • NJ
  • 08753
 Web
Bay View Loan services is my mortgage company. They have not paid my property taxes and now my taxes are up for sale as of XX/XX/XXXX. I called the company several times and its not being resolved. I obviously do not have the money to pay these taxes because they have it. I am not sure what to do next.
09/16/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • FL
  • XXXXX
 Web
send me proof that you Community paid my taxes in 2018 sending a debit in my escrow account does not prove anything you state Community disbursed a county tax payment in the amount of {$1700.00} if thats true send me a copy of the check front and back otherwise remove the erroneous debit to my escrow
05/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 17055
 Web Older American, Servicemember
Our mortgage was sold by Bayview to XXXX XXXX . Bayview has sloppy accounting and does not apply our payments. Since the loan was sold we are having increasing problems with payments not being applied and money over the due amount suspended and held instead of being applied to our principle.
11/04/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30041
 Web
Mortgage Servicer : Community Loan Servicing Issue : Mortgage Paid XX/XX/2021 and Lien hasnt been released until XX/XX/2021 I need to close on my property on XX/XX/2021 and I wont be able to. Community Loan Servicing has not responded well to my requests and is inapt to understand the urgency.
11/16/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • MO
  • 631XX
 Web Older American
XX/XX/2016 Letter says my last draft did n't clear. My credit union shows it cleared on XX/XX/2016. After years of hassle-free service from XXXX, I 'm constantly complaining about Bayview. Apparently, my only chance for peace of mind would be to refinance but I might get stuck with them again.
09/16/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • FL
  • XXXXX
 Web
1. Community/Bayview send screenshot that shows your electronic records indicating the date and time that the default letter was scanned into your system. 2. send screenshot that shows your electronic records indicating that the date and time you sent the offer letter for a Loan Modification.
01/29/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • XXXXX
 Web
XXXX XXXX XXXX XXXX and Bayview Loan is attempting to foreclose on my property with fraudulently robo signed assignments. I have mailed a 2 QWR and a debt validation neither have been responded to. The assignment are fraudulent. Bayview neither XXXX XXXX XXXX have tried to resolve my concerns
02/23/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • CA
  • 95341
 Web
I have a loan that was transferred to a new loan servicer on XXXX. The new company is insisting I am late for XXXX and XXXX. I am not late but even if i were, they can not try to collect for months they did not have the loan. The Company is Bayview Loan Servicing , LLC . XXXX, Florida XXXX
01/30/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30096
 Web
Bayview Loan Servicing , LLC denied me a HAMP Loan Modification because I " make too much money ''. This Servicer failed to give me a fair evaluation of my income and expenses. In addition, Bayview Loan Servicing , LLC failed to provide other remedies available to address my mortgage problem.
12/10/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • CA
  • 95630
 Web Older American
I am in a loan modification with Bayview Loan Servicing and they had a notice of default filed against my owner occupied home without any warning. I am still furnishing info to them see attached documents. I contacted the foreclosure company with no response also Bayview has not responded.
09/17/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23236
 Web
My mortgage company with out letting me know. Changed my interest, changed the duration of the mortgage, Changed my address ( sent my bills to NJ for years ) I called them up waited for someone to answer a couple of times. Every time they hung up on me after I tell them why Im calling.
01/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 306XX
 Web
Yes I Have A Forbearing plan that ended XX/XX/2021 and I've been trying to get in touch with someone since last week to do my modification! But they are not picking up. I don't want too lose my home or mess my credit up for no payments. Please can someone call me back! XXXX Thank You!
02/17/2017 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 705XX
 Web Servicemember
I have never had a mortgage with Bayview Financial. I have disputed this item numerous times. They said they my mortgage, however, I have n't ever had a mortgage with this company. I 've asked for documents bearing my signature. However, nothing has been provided to me. Please help.
06/28/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 20721
 Web
Experience predictory lending n Respa violation n filing a complaint for illegal foreclosure and acting as a third party debtor collector instead of lender/creditor. Need to verify if Bayview has consent order and register with MD commission finance office and in violation of FDPCA.
04/15/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Application, originator, mortgage broker
  • FL
  • 33193
 Web
There is someone by the name XXXX XXXX showing up and affecting my credit score.. I have contacted XXXX credit tracker to dispute the matter! i got a letter in the mail that said they had contacted the furnish vendor. its has already been 3 months and no action has taken place.
01/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06405
 Web
I do not have an account with Community Loan Servicing. The account information listed on XXXX is inaccurate. I did not open an account with Community loan Servicing in XXXX as indicated on my experian credit report. I would like legal documentation of what is being reported.
07/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11206
 Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
01/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • 90038
 Web
I summit modification loan documents they told me I had 30 day when I talk to them on the phone now bay view loan said is to late I send them all my paper whit the peal letter I need to know they are going to my house for sale not fair please help me my English is not to good
11/07/2017 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90005
 Web
We got in to a Loan Modification with XXXX XXXX XXXX on property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XXXX XXXX, 2011 for a fix interest rate of 2 % for the remaning of the note. They sold the note to Bayview loan servicing on and now we are charging us 4 %.
11/22/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 91784
 Web
I just opened my new monthly bill and saw that I was being charged a {$75.00} fee for a " broker price fee '' I then called them up and no one knew what the fee was for, but they still refused to remove it. I then asked to speak to a supervisor, and I was disconnected.
07/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10305
 Web Older American
Bayview loans .I 'm closing on my apt XXXX XXXX XXXX.Bayview reassure me that I Wouldn't t be reported to the credit bureaus for a late payment! when the coop apt is being paided off on the XXXX XXXX XXXX.Please reach out to Bayview and have it corrected, thank you
08/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89108
 Web
XXXX XXXX XXXX has drafted {$2600.00} of payments above my minimum mortgage payment amount. I have asked they return the money immediately, but they have yet to return any money. My last correspondence with them was XX/XX/2018, yet no reimbursement has been made.
11/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • MD
  • 20874
 Web
I am selling my house as a " short sale '' and an offer was made on the house in XXXX. However, the financial institution ( Bayview ) has not made a decision to accept the offer. It has been five months and I am in limbo and would like to move forward. Thank you.
09/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 026XX
 Web Older American, Servicemember
Bayview servicing illegally forclosed on my propertyat XXXX XXXX XXXX XXXX .XXXX mass broke the non-judicial laws of the safe of mass and consumer protection act banking law XXXX A never helped to modify my loan .XXXX XXXX and XXXX. XXXX filing this complaint.
02/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33157
 Web Servicemember
The lender has consistently applied every additional principal payment that I have made into suspense instead of applying it to the principal. This has happened several times over, and if I failed to check, and called in, every time, I would have never know.
06/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89178
 Web
The lender has failed to respond to our QWR and Notice of error request sent on XXXX / XXXX / 17 and are proceeding to sale set for XXXX / XXXX / 17 - the lender is in violation of regulation X- 12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
06/26/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 33437
 Web
THE ORIGINAL LENDER WAS UNLICENSED TO FUND THIS LOAN, IT WAS ALL DONE AS PART OF THE FINANCIAL CRIMES BEEN COMMITTED AGAINST CONSUMERS BY THESE WHITE COLLAR CRIMINALS, THERE IS AN OPEN CASE WITH THE DOJ, AND I JUST SUED THEM ALL AND JUDGES IN FEDERAL COURT
09/19/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • XXXXX
 Web
XXXX Force-placed insurance. In XX/XX/2018 you purchased homeowners ins for XXXX XXXX XXXX XXXX send copies of the written notice pursuant to XXXX ( d ) ( XXXX ) that you XXXX now Community sent to homeowner before purchasing XXXX for XXXX XXXX XXXX XXXX
04/29/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 32808
 Web
The plaintiff Bayview Loan Servicing , LLC the making illegal summons complait to foreclosure with doubt posting a residential {$100.00} Bond. The complaints was not proper verified and notarized. The Assigment of mortgage have comflicting information.
08/05/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 33177
 Web Older American, Servicemember
This company Bayview foreclosed on my home and made four attempts to sell, yet they have a sale date set for XX/XX/2019, and the process was all done forged, fabricated, and altered documents. Most Importantly, I attached documents to support my claim.
06/24/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Have faxed more than 10 times see proof, tried to get mail from bayview, never get mail! WHY? sent complaint already for that have power of attorney! No one calls no one send mail of proof received of modification how do i know if i dont call weekly!
07/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TN
  • XXXXX
 Web Servicemember
Bayview is refusing to release funds that I am owed from an escrow account. The home was sold and the loan was paid off, but Bayview has been unresponsive. Closing occurred in XX/XX/2018. Their customer service hangs up when I call and are difficult.
03/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92025
 Web
It has now been over 30 days since our 2 loans were paid in full to Bayview yet we have not received the return of our escrow funds. They owe us over {$17000.00} and they are not answering their phones. NOTHING gives them the right to keep my money.
04/21/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CO
  • 80219
 Web
since XXXX XXXX I have been attempting to pay additional principal on my mortgage and it consistently gets applied to additional payments and the interest is being applied to future payments or the payment dates are not being back dated correctly.
10/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80550
 Web Servicemember
made an extra payment of XXXX on XX/XX/2021 XXXX was applied to interest XXXX was applied to escrow the house was sold and paid in full on XX/XX/2021 On XX/XX/2021 I called Community and was told the XXXX is payment of interest for XXXX and XXXX
01/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NJ
  • 07036
 Web
COMMUNLNSERV is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. ( COMMUNLNSERV XXXX )
05/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78238
 Web
Community loan service reported me late while on forbearance which has since been corrected. However iam still showing 6 late payments that were never late and company seems to act ignorant to the fact they dont care they are ruining my life.
01/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 23456
 Web
I applied for a Modification with Bayview Loan servicing and they told me I can't get it due to debt to ratio which is NOT supposed to anything to due for a MODIFICATION. That is only for refinance as I have friends in the mortgage business.
05/08/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 19132
 Web
There is a full deposition of the stamped fraudulent signature of XXXX XXXX entered into a court case No. XXXX In the United states court of appeals for the fifth circuit which is also stamped on our note this by law makes the note void
02/02/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • OH
  • 45042
 Web
I have a monthly billing statment that shows a total amount due that is grossly inconsistent with the actual amount that is owed. As of statemenet date XX/XX/2017 I do owe {$970.00} per their own statement. sAME stament says i owe {$2500.00}
05/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
Bayview now Community Loan Service see attached letter to XXXX, I am requesting you to contact XXXX to research investigate perform an audit based on the reimburement check from XXXX do to there erroneous charge to homeowners escrow account
03/23/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
During the time you serviced this mortgage can you send the activity log for this mortgage including but not limited to phone calls made and received, emails sent and received letters sent and received electronic notices sent or received
10/11/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 92649
 Web
Our new loan servicer has arbitrarily altered the terms of our HAMP Loan Modification by failing to accurately report our deferred interest which is a fundamental part of the written contract between us and our prior loan owner XXXX.
07/14/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30238
 Web Older American
I requested a loan modification and was working with XXXX XXXX who sent me documentation that showed that I was approved for a loan modification and then I received a letter from law firm that my home is scheduled for foreclosure.
06/08/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MS
  • 39211
 Web
I n 2006, I purchased the XXXX XXXX XXXX in XXXX Ohio. This property was wrongfully foreclosed by BAYVIEW loans after getting behind in payments. I never received the proper legal documents informing me of my rights.
07/22/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33177
 Web Older American, Servicemember
Remodification of complaint ID # XXXX, a sale date on my house had been XX/XX/2019, and there is a portion of four-page of my attorney motion to vacate the final judgment, and the balance is needed it would be sent. XXXX XXXX.
06/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 27713
 Web
I have been asked to submit the same loan modification paperwork on three separate dates with XX/XX/2019 being the last date to Bayview Loan Servicing Company. I am scheduled to go to foreclosure court on Wednesday XX/XX/2019.
09/11/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 11429
 Web
AN UNKNOWN ERROR IS FALSELY REPORTING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. AND ALSO FALSELY REPORTING MANY LATES ON MY CREDIT REPORT IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, XX/XX/XXXX.
04/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 193XX
 Web
XXXX sent me a letter on XX/XX/2020, telling me that my forbearance had been accepted and that I would not be reported late. They still have reported me late. This can't be acceptable during this pandemic, please help me!
08/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
CFPB do not re-write my questions, send a copy of what i write i dont need an interpreter NOTICE OF ERROR I paid my Flood Ins on XX/XX/2020 for {$740.00} you continue to send duplicate checks on a non-escrow mortgage
05/12/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • IL
  • 60516
 Web
Received a XXXX from Bay View a third party provider for XXXX. Their are numerous issues such as incorrect titling Incorrect coding on the XXXX form No release of lien but forced a tax event with the IRS and State
10/07/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Sent in LOAN ASSUMPITON sent in LOAN PACKAGE TO PUT IN MY NAME XXXX sent in LOAN MODIFICATION says cant due to EXCESSIVE FOREBERANCE put offering loan at XXXX why no mod??????? So many packages so many excuses!
09/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 773XX
 Web
Spoke with customer service about extending my forbearance plan. I was approved the extension up until XX/XX/2021 and I keep getting a letter stating I'm behind on my payments and owe to bring my loan current.
01/01/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95670
 Web
Tried to pay monthly mortgage at bayview mortgage online, for 2nd time at XXXX XXXX on XX/XX/2020. Attached is the screenshot of response from company online at that time. Payment was not able to be completed.
04/06/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • MD
  • 20910
 Web
I was looking for someone to help me with my mortgage payments i was refered to a person who is a specialist. in home modifications, he asked me for. all the requirements and asked. me to pay him for his help,
10/01/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Sent 1 of 3 packages, ASSUMPTION, MODIFICATION, LOAN PACKAGE, letter said COMPLETE packages foreclosure on hold????? Never get a call or anything, WHY! what is status why foreclosure if all 3 packages sent!
01/07/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • CA
  • 95123
 Web
Bay View Servicing at XXXX continues to call us daily even though we have never been late on our mortgage payments. We asked that they stop calling over XXXX days ago. They continue to keep us on a dialer.
11/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • SC
  • 291XX
 Web Older American
On 2017 i lost my high paying job and relize i coundnt pay the same house pay i was paying so i ask for loan mod, but was turn down so i hired a Layer to no avail, my back pay was XXXX XXXXnow its XXXX
09/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • XXXXX
 Web
Still trying to get the money back they owe me. I have filed several complaints, but to no avail. I need assistance in retrieving funds from the company and help with enforcement of the lender.
10/27/2016 Yes
  • Mortgage
  • Reverse mortgage
  • Loan modification,collection,foreclosure
  • CA
  • 92663
 Web
I submitted Loan Workout to Bayview Loan Servicing , LLC and have not gotten a response or " Denial ''. Under HOBR i should at least receive a response or Denial which i am allowed one appeal.
08/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 171XX
 Web
bayview loan services did not pay my XX/XX/XXXX real estate taxes that were in escrow now as of XX/XX/XXXX they sold my loan to rushmore loan management services they passed the buck no help
06/21/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • NM
  • 88005
 Web
My loan servicer ( Bayview Loan Servicing , LLC ) is denying me relocation assistance on the grounds that I moved out of the property prior to close of escrow of a successful Shortsale.
03/21/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 23451
 Web
A change was made to my mortgage without my knowledge, increasing the monthly payments. No support documentation has been provided to me explain how or why this increase occurred.
06/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
Community Loans i want to know who instructed you to forward my mail as follows? XXXX XXXX XXXX C/O : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX, FL XXXX
03/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • LA
  • 70791
 Web
I modified my home Mortage after Covid forbearance. Once I completed the trial period my Mortage company reported the late payments which dropped my credit score XXXX points.
05/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85085
 Web Servicemember
Bayview is using an unlawful loan modification to attempt to collect on a debt that exceeds their statutory rights. They continue to conspire with Ms XXXX to cause harm.
05/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 16602
 Web Older American, Servicemember
here is the deal. Called Community Loan Servicing to get assistance, however, they stated our house went to another company unsure of which company, I was not notified.
09/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
as i have requested in the past, send a copy of all responses through USPS you have failed to send a response to COMPLAINT XXXX SUBMITTED ON XX/XX/2020 this XX/XX/XXXX
03/21/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • OH
  • 45042
 Web
Bayview Loan Servicing forced lender placed insurance in the amount of XXXX for a property that I paid {$80000.00} or thereabouts for Annual premium is {$15000.00} I
03/21/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • OH
  • 45042
 Web
Bayview Lending is sending threatening notices to foreclose and certified mail to XXXX XXXX on XXXX loans. She is not on the note or mortgage on any of the loans.
02/02/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • OH
  • 45042
 Web
Bayview loan servicing forced property insurance on my loan. My XXXX insurance agent has numerous examples were she has provided proof of insurance on my behalf.
07/02/2020 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 62025
 Web
Judgement that I was never served. Company changed mortgage from FHA to conventional without my knowledge. Amount saying I owe is over the value of the home.
01/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94403
 Web
They send your private bank account information over un-encrypted email, exposing you to identity theft and fraud. I have asked them to stop, no response.
01/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94403
 Web
They send your private bank account information over un-encrypted email, exposing you to identity theft and fraud. I have asked them to stop, no response.
06/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11590
 Web
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
06/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11590
 Web
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
01/14/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Have been faxing since XXXX XXXX XXXX on loan, signed POWER OF ATTORNEY AND GRAND DEED TO XXXX XXXX both ON LOAN MODIFICATION APPLICATIONS!!!!!!!!!!!!
11/19/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • ME
  • 049XX
 Web
Bay View Loan servicing is not posting my payments or sending me statements. They are sending past due notices when my payments are ahead of schedule.
11/07/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • TX
  • 773XX
 Web
Bayview Loan place a force insurance on my home loan while I had contuineous coverage. I provide Bayview proof of insurance and they refuse to refund.
08/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
please send a copy of the homeowners insurance policy on file that commenced in XX/XX/2015 and supply the name of the employee providing the document
01/31/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 44102
 Web
I was notified by my insurance company that the mortgage company did not pay the insurance even though there is plenty of money in my escrow account
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19119
 Web Servicemember
Payments on the mortgage have been current since XX/XX/2021. Company acknowledged this but has still not sent updated correction to Credit Bureaus.
04/27/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • NV
  • 89121
 Web
Dear Sir or Madam, Bayview loan servicing is dual tracking my client 's house into foreclosure while a loan modification application was pending.
09/19/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • FL
  • XXXXX
 Web
RE property inspections, Send any and all photos taken of the property from XX/XX/ thru XX/XX/ include the dates and times the photos were taken
11/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33020
 Web Older American
Bayview Loan Servicing reported inaccurately the payments made. The payments were done within the due date and they reported as no payment
08/13/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30016
 Web Servicemember
I requested relief due to the Covid 19 and was told that I didn't qualify due to my mortgage arrearage was more than 6 months delinquent.
06/24/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Been trying to modify, ( thats another issue ) i have power of attorney and have been trying to get mail, have emailed letter and faxed!
05/25/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
you stated you rec; 'd a letter from XXXX XXXX, XXXX please send a copy of my complaint along with your response please submit via XXXX
07/13/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • FL
  • 339XX
 Web
ii WAS CHARGED FOR FLOOD INSURANCE EVEN THOUGH I SUBMITTED PROOF THATWAS ACCEPTED BY THE COMPANY, BAYVIEW LOANS. THIS IS PREDATORY!
04/16/2020 Yes
  • Debt collection
  • Mortgage debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 328XX
 Web
In Bayviews response they state i ask for similar documents instead of askng for responses on letters i've sent see resolution below
03/21/2017 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • FL
  • 33436
 Web
Attempted to Foreclose on Property without proper documentation. Using a Shell Company to attempt to Cover-up the False Documents.
10/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 371XX
 Web
They agreed to adjust my mortgage for 3 months so it will balance from foreclosure. Starting in XXXX. The amount of XXXX
02/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AR
  • 72204
 Web Servicemember
MY PAYMENT WITH BAYVIEW WAS REPORTED 30 DAYS LATE ON XXXX IN XX/XX/2017. THAT IS NOT CORRECT. MY PAYMENT WAS NOT LATE.
05/21/2018 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 334XX
 Web Servicemember
Securitized audit shows bifurcated contract and payoff creditor paid in full lack of full discloser causing harm to man
06/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
In your response dated XX/XX/2020 XXXX PartXXXX please supply documents and responses to the attached questions
06/01/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • 85202
 Web
My girlfriend is XXXX and recently had XXXX my son recently left for the XXXX and I was recently laid off.
04/25/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30238
 Web Older American
I am trying to modify my mortgage and I need assistance because my lender is not trying to assist me.
07/17/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Bayview says not on loan, have power of attorney and faxed with my name and owners name see proof
03/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
Response to Bayview loan servicing llc adding XXXX to my loan as court papers attached will show.
08/04/2023 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 781XX
 Web
refinced the loan with out my knowledge and reported late, this is deceptive practice
12/03/2016 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Called outside of 8am-9pm
  • TX
  • 77005
 Web
My phone rang at XXXX from Bayview Home Loans trying to get my mortgage payment..
10/07/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 90068
 Web
Faxed in mod said bk???? have been faxing for a year who filed bk>>> need proof
11/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • XXXXX
 Web Servicemember
Please identify the true secured Lender on the loan. Provide chain of title
12/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
i sent the XX/XX/2018 mortgage payment for {$840.00} and it was returned
06/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
In your response dated XX/XX/2020 please answer the follow up questions
04/05/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 93277
 Web
XXXX XXXX dispute late payment XXXX XXXX XXXX dispute late payment XXXX
10/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web Older American
i have not received a written response to my letter XX/XX/2021 XXXX
10/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web Older American
Community has refused to respond to my ltr XXXX and XXXX
08/27/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30058
 Web
hardship loss job have not been able to recover
04/20/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 08757
 Web
bank has not tried to modified my mortgage
10/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75034
 Web
They will not provide me my 1098 for 2021
10/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75034
 Web
They will not give me my 2021 1098
01/17/2024 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • Payment process
  • MA
  • 01801
 Web
01/17/2024 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • PA
  • 157XX
 Web Older American, Servicemember
01/08/2024 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • MO
  • XXXXX
 Web Older American
01/02/2024 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • OR
  • 97005
 Web
12/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19006
 Web
12/09/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • XXXXX
 Web
11/24/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • XXXXX
 Web
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IA
  • 52748
 Web
11/11/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • 32801
 Web
08/29/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • FL
  • 32801
 Web
08/17/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33162
 Postal mail Older American
07/10/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • 18704
 Phone Older American
06/10/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32801
 Web
06/04/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
06/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32801
 Web
05/31/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
05/31/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
03/15/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30005
 Phone
02/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 34711
 Web
02/27/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • OH
  • 45242
 Phone
02/16/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 49912
 Web
02/09/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • TX
  • 75409
 Web
01/31/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MN
  • 56581
 Web
01/18/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 11520
 Web
01/11/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98503
 Web Servicemember
11/25/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 60165
 Referral
11/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MO
  • 63368
 Web
09/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11510
 Web
09/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
09/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
09/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • PA
  • 15071
 Referral
09/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19428
 Phone Older American
09/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • 11206
 Web
09/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 62040
 Web
09/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • SC
  • 29810
 Phone Servicemember
09/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NC
  • 27519
 Web
09/01/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85388
 Web
08/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95148
 Web Older American, Servicemember
08/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11422
 Referral
08/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11422
 Referral
08/10/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • PA
  • 18104
 Web
08/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33196
 Web
07/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27041
 Phone Older American
07/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33414
 Phone
07/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19131
 Web
07/07/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 75243
 Phone Servicemember
07/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23227
 Web
07/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78550
 Web
07/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60649
 Phone Older American
06/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NC
  • 27519
 Web
06/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95521
 Referral
06/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85353
 Web
06/10/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33613
 Phone
06/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11211
 Phone
05/31/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07305
 Phone
05/18/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • MD
  • 21208
 Phone
05/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28314
 Phone Servicemember
05/11/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85388
 Web
05/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • HI
  • 96825
 Referral
05/03/2022 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 53224
 Phone Older American
04/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32765
 Phone
04/28/2022 No
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29810
 Phone
04/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 13501
 Web Older American
04/25/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • VA
  • 23878
 Web
04/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23227
 Web
04/21/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60510
 Web
04/20/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75650
 Web
04/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77469
 Referral
04/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95521
 Referral
04/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MS
  • 39601
 Referral
04/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77082
 Web Older American
04/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94114
 Web
04/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 79927
 Web
04/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10941
 Referral
04/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90680
 Referral
04/09/2022 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30101
 Web
04/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60564
 Web
04/05/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • MI
  • 48227
 Web
04/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21085
 Web
04/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 39601
 Referral
04/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92881
 Web Older American
03/31/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33065
 Web
03/30/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 21060
 Web
03/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MD
  • 20706
 Web Older American, Servicemember
03/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MN
  • 55102
 Web
03/23/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33917
 Phone
03/20/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • WA
  • 985XX
 Web Older American, Servicemember
03/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77459
 Referral
03/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 117XX
 Web
03/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 286XX
 Web Older American
03/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07060
 Referral
03/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WI
  • 53934
 Web
03/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10941
 Web
03/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 23669
 Phone
02/28/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 49071
 Web
02/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11704
 Phone
02/28/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OK
  • 74114
 Web
02/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60619
 Phone
02/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NV
  • 89005
 Web
02/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91402
 Web
02/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OK
  • 74012
 Phone
02/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OK
  • 74114
 Web
02/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33028
 Web
02/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91364
 Phone
02/17/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • 11003
 Web
02/15/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33410
 Phone
02/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85205
 Web
02/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23669
 Referral
02/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37416
 Postal mail Older American
02/08/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30642
 Phone
02/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60409
 Phone Older American
02/04/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11704
 Phone
02/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 48104
 Web Older American
02/01/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CO
  • 80909
 Web Servicemember
02/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30312
 Referral
01/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20735
 Referral
01/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 39498
 Postal mail
01/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60123
 Web
01/12/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 92223
 Phone
01/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 16601
 Phone
01/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OK
  • 73533
 Web Older American
01/04/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 75232
 Phone
12/28/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 360XX
 Web Older American
12/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 01220
 Web
12/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92675
 Referral
12/24/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • KY
  • 42420
 Web
12/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10026
 Web
12/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 64030
 Web
12/05/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33411
 Web Older American
12/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NY
  • 10710
 Phone
12/03/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10710
 Web
12/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20735
 Referral
11/30/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NJ
  • 08619
 Web
11/29/2021 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 46901
 Web
11/26/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • GA
  • 30534
 Web Servicemember
11/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98056
 Web
11/20/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • SC
  • 29055
 Web
11/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11786
 Web
11/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33917
 Web Older American
11/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28403
 Postal mail Older American
11/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11783
 Web Servicemember
10/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07747
 Phone Older American
10/25/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23116
 Web
10/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web Older American
10/13/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 93619
 Web Servicemember
10/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • SC
  • 29440
 Phone Older American
10/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KS
  • 67214
 Web Older American
10/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MS
  • 39503
 Phone Older American
10/05/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60004
 Web
10/03/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30016
 Web Servicemember
10/03/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30016
 Web Servicemember
10/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
10/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
09/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • HI
  • 96745
 Web Servicemember
09/24/2021 No
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92252
 Referral
09/23/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • DC
  • 20018
 Web Servicemember
09/21/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11558
 Referral
09/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • HI
  • 96725
 Web Servicemember
09/20/2021 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • PA
  • 19027
 Web
09/16/2021 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • DC
  • 20012
 Phone
08/17/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60440
 Postal mail
08/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Personal information incorrect
  • MO
  • 64030
 Phone Older American
08/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32324
 Referral
08/10/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • 89131
 Web
08/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CO
  • 80226
 Web
08/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30642
 Phone
08/04/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 95205
 Web
07/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MS
  • 38829
 Phone
07/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web Older American
07/22/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OK
  • 74055
 Referral
07/15/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MI
  • 48235
 Phone Older American
07/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
06/29/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 14619
 Web
06/29/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • 85213
 Referral
06/26/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 98580
 Web Older American, Servicemember
06/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MO
  • 63026
 Web
06/17/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32564
 Web Older American, Servicemember
06/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85745
 Web
06/02/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IA
  • 52806
 Web
05/31/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KS
  • 67214
 Web Older American
05/28/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 11565
 Phone
05/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08062
 Web
05/22/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55068
 Web
05/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22204
 Phone
05/03/2021 Yes
  • Debt collection
  • Mortgage debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • 21061
 Web
04/30/2021 No
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • WA
  • 98146
 Web Servicemember
04/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MN
  • 55068
 Web
04/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
04/19/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 91335
 Web
04/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • 90027
 Web
04/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91206
 Web
04/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55068
 Web
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55068
 Web
04/05/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85383
 Web
03/31/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 93436
 Web
03/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • HI
  • 96786
 Web
03/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32951
 Postal mail
03/17/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19973
 Postal mail Older American
03/17/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • HI
  • 96825
 Web
03/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90027
 Web
03/16/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 10303
 Web
03/14/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IN
  • 46259
 Web
03/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10549
 Web
03/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 90027
 Web
03/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KS
  • 67010
 Web
03/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • 11959
 Referral
03/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NY
  • 11959
 Referral
03/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 17236
 Web
03/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 13323
 Web
03/03/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MD
  • 20720
 Referral
03/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IA
  • 52748
 Web Servicemember
03/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32564
 Web Older American, Servicemember
02/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92345
 Phone
02/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 17111
 Web
02/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21037
 Web
02/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KS
  • 67010
 Web
02/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92782
 Phone
02/10/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OH
  • 43605
 Referral
02/05/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • WA
  • 98146
 Web Servicemember
02/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 91356
 Phone
02/03/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VT
  • 05461
 Phone Older American
02/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76354
 Web
01/29/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VT
  • 05461
 Phone Older American
01/29/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92345
 Web
01/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 43019
 Web
01/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33579
 Phone Older American
01/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32801
 Web
12/31/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
12/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
12/22/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 33579
 Fax
12/22/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 92782
 Phone
12/21/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • NM
  • 88345
 Phone
12/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
12/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
12/05/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
 Web
12/01/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 18447
 Web Servicemember
11/29/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
11/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32801
 Web
11/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MN
  • 55374
 Web Older American
11/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60636
 Web
11/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07601
 Referral
11/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32780
 Referral
11/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 18447
 Web Servicemember
11/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10456
 Web
11/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07601
 Fax
11/03/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11758
 Postal mail
11/02/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32801
 Web
10/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
10/12/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • ND
  • 58554
 Web Older American
10/06/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DC
  • 20018
 Web Servicemember
09/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 91605
 Phone
09/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07728
 Web
09/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CT
  • 06095
 Web
09/23/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92509
 Web
09/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91605
 Phone
09/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
09/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92509
 Referral
09/05/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • NH
  • 03848
 Referral
08/31/2020 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • MD
  • 20743
 Phone
08/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32564
 Web Older American, Servicemember
08/05/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33414
 Phone
08/03/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19802
 Referral
07/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Phone
07/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WI
  • 53222
 Referral
07/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CT
  • 06611
 Postal mail
07/12/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32801
 Web
07/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Phone
07/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NM
  • 88355
 Phone
07/08/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • MI
  • 48308
 Phone
07/05/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19802
 Web
07/02/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77379
 Referral
07/01/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NE
  • 68128
 Phone Older American
06/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32564
 Web Servicemember
06/26/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • NC
  • 28217
 Phone
06/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32801
 Web
06/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 23881
 Phone
06/08/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 94519
 Web
05/28/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 29697
 Web
05/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 36460
 Phone Older American
05/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 94605
 Postal mail Older American
05/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19977
 Web
05/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29697
 Web
05/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30298
 Referral
05/19/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
05/11/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37404
 Postal mail
05/11/2020 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone Servicemember
05/01/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30180
 Web Servicemember
04/09/2020 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07421
 Phone
04/04/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 328XX
 Web
04/02/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • IN
  • 46761
 Phone Older American, Servicemember
03/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • VA
  • 20176
 Web Servicemember
03/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95121
 Web
03/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33024
 Web
03/20/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • IL
  • 60638
 Postal mail
03/20/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • IL
  • 60638
 Postal mail
03/19/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NC
  • 28478
 Referral
03/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70394
 Phone
03/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55371
 Web
03/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27013
 Referral
03/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
03/05/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08723
 Phone
03/05/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22407
 Referral
03/04/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22407
 Postal mail
03/04/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30642
 Phone
02/25/2020 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32744
 Web
02/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30127
 Referral
02/21/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60411
 Fax
02/21/2020 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NJ
  • 08618
 Web
02/19/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07109
 Web
02/18/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30642
 Phone
02/18/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30120
 Phone
02/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 36533
 Web Older American
02/12/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95757
 Web
02/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95206
 Web
02/11/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NJ
  • 08234
 Web
02/06/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30012
 Phone
02/04/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IN
  • 46761
 Phone Older American, Servicemember
02/01/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30296
 Referral
02/01/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30296
 Referral
01/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PR
  • 00745
 Web
01/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21009
 Web
01/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 64052
 Referral
01/16/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NC
  • 28311
 Web
01/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55418
 Phone Older American
01/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11729
 Web
01/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32765
 Fax
01/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 90068
 Web
01/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22312
 Web
01/06/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33162
 Postal mail
01/06/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30101
 Referral
01/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • FL
  • 33602
 Web
12/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
12/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28213
 Phone
12/23/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92606
 Referral
12/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92606
 Web Older American
12/19/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MD
  • 21102
 Phone
12/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32765
 Fax
12/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33442
 Web
12/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33330
 Web
12/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33030
 Web
12/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
12/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WV
  • 25114
 Referral
12/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
12/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20705
 Web
12/02/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 44070
 Web Servicemember
12/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90806
 Web
11/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 22193
 Web
11/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • KY
  • 40223
 Web
11/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
11/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10008
 Referral
11/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 75070
 Referral
11/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 49045
 Web Servicemember
11/18/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 07060
 Phone
11/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
11/14/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77459
 Web
11/13/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 94513
 Web
11/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60611
 Postal mail
11/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91701
 Web
11/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22193
 Referral
11/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 36111
 Postal mail
11/06/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MN
  • 55418
 Phone Older American
11/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • DE
  • 19720
 Web Older American
10/31/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27379
 Phone Older American
10/31/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 20176
 Web Servicemember
10/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30536
 Phone
10/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77040
 Postal mail
10/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • LA
  • 70506
 Referral
10/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37920
 Web Older American
10/22/2019 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • ID
  • 83638
 Web
10/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AZ
  • 85037
 Web
10/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22407
 Web
10/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • XXXXX
 Web
10/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23141
 Web
10/10/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NV
  • 89103
 Web
10/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22193
 Referral
10/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91306
 Web
10/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 48367
 Web
10/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22407
 Referral
10/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22407
 Referral
10/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22407
 Referral
09/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 17315
 Web
09/25/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28403
 Postal mail
09/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22407
 Referral
09/18/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NV
  • 89117
 Referral
09/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90640
 Web
09/13/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90640
 Web
09/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91709
 Web
09/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
09/09/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 19606
 Web
09/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 37138
 Referral
09/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11598
 Web
09/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33183
 Referral
08/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07461
 Referral
08/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92626
 Web
08/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
08/22/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 94080
 Postal mail
08/22/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • OH
  • 44110
 Referral
08/21/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30291
 Referral
08/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32808
 Web Older American
08/19/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MN
  • 55418
 Phone Older American
08/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92277
 Phone Older American
08/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
08/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80020
 Web
08/13/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OH
  • 44070
 Web Servicemember
08/09/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • PA
  • 19146
 Web Servicemember
08/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92606
 Web
08/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 44110
 Referral
08/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 95120
 Referral
08/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89145
 Web Older American
08/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92626
 Web
08/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11742
 Referral
08/07/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 94605
 Referral
08/06/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85085
 Web Servicemember
08/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92656
 Web
08/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 14619
 Phone
08/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22407
 Web
08/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95120
 Referral
07/31/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89130
 Phone
07/31/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 32818
 Phone
07/31/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76801
 Phone
07/29/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60461
 Postal mail
07/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08034
 Web
07/24/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 29732
 Web Servicemember
07/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91762
 Web
07/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web
07/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 44110
 Fax
07/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95828
 Web Older American, Servicemember
07/16/2019 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • AZ
  • 85085
 Web Servicemember
07/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 01520
 Postal mail
07/11/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92870
 Referral
07/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 219XX
 Web
07/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95691
 Web
07/01/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 92626
 Referral
06/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32225
 Web
06/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76801
 Phone
06/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76801
 Phone
06/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Phone
06/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 34759
 Web Older American
06/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 34759
 Fax Older American
06/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55418
 Phone Older American
06/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • 15220
 Web
06/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20603
 Web Servicemember
06/07/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 21234
 Web
06/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32401
 Referral
06/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Phone Older American
05/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06824
 Referral
05/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27713
 Phone Older American, Servicemember
05/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22407
 Referral
05/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 81507
 Referral
05/25/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • NY
  • 109XX
 Web
05/24/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • 11412
 Postal mail
05/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 01520
 Referral
05/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07801
 Web
05/22/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • NY
  • 10550
 Referral
05/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • ND
  • 58078
 Phone
05/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 34759
 Phone Older American
05/13/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Referral
05/08/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • 14120
 Phone
05/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33064
 Referral
05/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 02301
 Web Servicemember
05/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AL
  • 36804
 Web
05/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • DC
  • 20012
 Referral
05/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92064
 Web Older American
05/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60712
 Web
05/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 21211
 Web Servicemember
05/01/2019 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 61548
 Web
05/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30518
 Web
04/30/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • IL
  • 60827
 Postal mail
04/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • KS
  • 67010
 Web
04/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 48195
 Web
04/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28079
 Referral
04/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95210
 Phone
04/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
04/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07753
 Web
04/22/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 52722
 Web
04/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AL
  • 36804
 Web
04/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98117
 Referral
04/19/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • VT
  • 05061
 Referral
04/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89031
 Web
04/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95630
 Web
04/16/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • LA
  • 70805
 Web
04/10/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 14625
 Postal mail
04/10/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28027
 Postal mail
04/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34759
 Referral
04/09/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NY
  • 10567
 Web Servicemember
04/09/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94619
 Referral
04/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98576
 Web
04/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92606
 Web Older American, Servicemember
04/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32174
 Phone Older American, Servicemember
04/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91739
 Web
03/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30281
 Postal mail
03/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32714
 Web
03/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 21223
 Phone
03/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
03/23/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 10974
 Postal mail
03/21/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98576
 Web
03/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92870
 Referral
03/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75090
 Web Older American
03/14/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 02346
 Web
03/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 12603
 Web
03/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 31206
 Web Older American
03/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92870
 Referral
03/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 81507
 Web
03/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37725
 Referral
03/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
Phone
03/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 705XX
 Web
03/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11213
 Web
02/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27612
 Web
02/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11375
 Referral
02/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AL
  • 36804
 Web
02/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Referral
02/21/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11415
 Postal mail
02/21/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08234
 Web
02/19/2019 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 32744
 Web
02/19/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 34287
 Web
02/18/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • NJ
  • 08080
 Web
02/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60139
 Web
02/13/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 77031
 Web
02/13/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IN
  • 46324
 Web Older American
02/13/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MN
  • 55418
 Phone
02/12/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MA
  • 02125
 Referral Servicemember
02/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94010
 Referral
02/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • AZ
  • 85085
 Web Servicemember
02/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 95210
 Phone
02/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AL
  • 36804
 Web
02/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91792
 Referral
02/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33146
 Referral
02/06/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NC
  • 28467
 Referral
02/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MD
  • 20904
 Web
02/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 919XX
 Web
02/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 14226
 Web
01/31/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 11553
 Postal mail
01/30/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30311
 Phone Older American
01/25/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98576
 Web
01/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 16502
 Postal mail
01/23/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07753
 Postal mail
01/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91331
 Web
01/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 07840
 Web Older American
01/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37725
 Web
01/15/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IL
  • 60048
 Postal mail
01/14/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23860
 Phone Older American
01/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91331
 Web
01/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90213
 Web
01/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 93703
 Web
01/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11434
 Postal mail
01/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33073
 Web
01/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10990
 Phone
01/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37871
 Web
01/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 07801
 Web
01/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95135
 Referral
01/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27455
 Referral
01/02/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 11703
 Web
12/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95982
 Referral
12/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33511
 Web
12/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55418
 Phone
12/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33076
 Phone
12/26/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • GA
  • 30107
 Referral
12/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11229
 Web
12/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10710
 Web
12/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MI
  • 48504
 Phone Older American
12/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 90720
 Web
12/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33172
 Referral
12/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92508
 Referral
12/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92870
 Referral
12/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60139
 Web
12/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92805
 Referral
12/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 07733
 Referral
12/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KY
  • 40223
 Postal mail
12/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02120
 Web
12/10/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77028
 Web
12/03/2018 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • PA
  • 19132
 Web
11/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11780
 Web
11/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92672
 Referral
11/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92672
 Referral
11/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95472
 Web
11/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95135
 Postal mail
11/16/2018 Yes
  • Mortgage
  • Reverse mortgage
  • Struggling to pay mortgage
  • CA
  • 95838
 Web
11/16/2018 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 18466
 Postal mail
11/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 18064
 Fax
11/13/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • WA
  • 98104
 Fax
11/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • KS
  • 67010
 Web
11/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98275
 Postal mail
11/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98275
 Referral
11/09/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • SC
  • 29560
 Web
11/08/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NJ
  • 07410
 Referral
11/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 01520
 Referral
11/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 01520
 Referral
10/31/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 34110
 Postal mail
10/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20601
 Web
10/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 07424
 Referral
10/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34110
 Postal mail
10/29/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 92113
 Phone
10/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92551
 Web
10/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 20109
 Referral
10/22/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 18634
 Referral
10/21/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30342
 Web Older American
10/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 07424
 Referral
10/16/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • VA
  • 22407
 Referral
10/11/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MN
  • 55418
 Phone
10/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22407
 Referral
10/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 18064
 Phone Older American
10/10/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 33196
 Referral
10/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29671
 Web Servicemember
10/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 91745
 Web
10/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 490XX
 Web
10/05/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MS
  • 39206
 Postal mail
10/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
Referral
10/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92104
 Web
10/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89128
 Referral
09/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77377
 Web
09/20/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • WA
  • 98052
 Referral
09/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92009
 Web Servicemember
09/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34759
 Referral
09/18/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 11416
 Postal mail
09/18/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NJ
  • 08081
 Referral
09/14/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 11375
 Referral
09/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33023
 Referral
09/13/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 45503
 Web
09/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33073
 Web
09/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37715
 Web
09/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11221
 Web
09/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89032
 Web Older American
09/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NV
  • 89032
 Web
09/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 32801
 Referral
09/07/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 43055
 Web
09/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32725
 Web
09/05/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NV
  • 89131
 Web
09/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55418
 Phone
09/05/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 33511
 Referral
09/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 774XX
 Web
09/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10926
 Web
08/31/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30252
 Web
08/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70441
 Web
08/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95032
 Web
08/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92606
 Web
08/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WI
  • 53403
 Web
08/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89108
 Web
08/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 20120
 Web
08/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 08518
 Postal mail
08/27/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • NJ
  • 08021
 Referral
08/24/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08002
 Web Older American
08/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75224
 Web
08/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 12972
 Web
08/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32780
 Phone
08/22/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • CA
  • 92101
 Web Older American
08/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 93662
 Web
08/20/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92113
 Web
08/18/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 33432
 Web Older American
08/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Phone
08/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95032
 Web
08/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IA
  • 50310
 Postal mail
08/15/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • CA
  • 95434
 Postal mail
08/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55418
 Phone
08/15/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98026
 Referral
08/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • DC
  • 20011
 Web
08/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29920
 Postal mail Servicemember
08/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10710
 Web
08/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Public record information inaccurate
Postal mail
08/07/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • GA
  • 31522
 Postal mail
08/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98155
 Web
08/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 60467
 Web Older American
08/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33161
 Web
08/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32801
 Referral
08/01/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60628
 Web
07/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • RI
  • 02904
 Phone
07/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11234
 Web
07/25/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NH
  • 03054
 Referral
07/24/2018 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07050
 Referral
07/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MD
  • 21214
 Phone
07/23/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10989
 Web
07/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 93436
 Referral
07/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 78759
 Web
07/18/2018 Yes
  • Debt collection
  • Mortgage debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23222
 Web
07/17/2018 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 33308
 Web Older American
07/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92841
 Fax
07/16/2018 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 92113
 Web
07/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
07/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60155
 Referral
07/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98117
 Referral
07/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 31513
 Postal mail
07/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98155
 Web
07/10/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 92692
 Referral
07/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60048
 Web
07/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Fax
07/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CO
  • 80228
 Web Older American
07/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 46113
 Referral
07/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NH
  • 03864
 Web
07/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98092
 Web
07/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 53066
 Referral
07/02/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • OK
  • 33233
 Phone
07/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29835
 Web Servicemember
07/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22193
 Referral
06/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 07621
 Referral
06/26/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NH
  • 03053
 Referral
06/21/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • LA
  • 70122
 Fax