BAYVIEW LOAN SERVICING, LLC

Consumer Complaints

There are over 3259 complaints on file for BAYVIEW LOAN SERVICING, LLC. Dated between 2019-12-03 and 2012-04-05.

Complaints Page 3

2019-10-07

Arco, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage


Complaint: Faxed in mod said bk???? have been faxing for a year who filed bk>>> need proof
Company Response: Closed with explanation

Timely Response

2019-10-07

FL

Trouble during payment process

Mortgage: Conventional home mortgage


Complaint: 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
Company Response: Closed with explanation

Timely Response

2019-10-07

Arco, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage


Complaint: 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!
Company Response: Closed with explanation

Timely Response

2019-10-02

Canoga Park, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-10-01

Fred, VA

Trouble during payment process

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-10-01

Fred, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-10-01

CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-01

Fred, VA

Trouble during payment process

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-10-01

Arco, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage


Complaint: 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!
Company Response: Closed with explanation

Timely Response

2019-10-01

Orion Twp, MI

Trouble during payment process

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-09-29

Stevenson, MD

Trouble during payment process

Mortgage: Conventional home mortgage


Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-09-29

Brooklyn, NY

Trouble during payment process

Mortgage: Conventional home mortgage


Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-09-28

Bigmount, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-09-25

University Of Nc, NC

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-09-24

Staten Island, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-09-19

Las Vegas, NV

Trouble during payment process

Mortgage: Conventional home mortgage


Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-09-19

Fred, VA

Trouble during payment process

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-09-18

Montebello, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-09-18

Las Vegas, NV

Trouble during payment process

Mortgage: Other type of mortgage


Company Response: Closed with explanation

Timely Response

2019-09-17

San Gabriel, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-09-17

Aliso Viejo, CA

Trouble during payment process

Mortgage: Conventional home mortgage


Complaint: 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..!!
Company Response: Closed with explanation

Timely Response

2019-09-17

NJ

Trouble during payment process

Mortgage: Conventional home mortgage


Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-09-16

Seattle, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-13

Reading, PA

Closing on a mortgage

Mortgage: FHA mortgage


Complaint: 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 ).
Company Response: Closed with explanation

Timely Response

2019-09-13

Montebello, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response


© 2024 intlbanking.org | Privacy Policy