BAYVIEW LOAN SERVICING, LLC

2017-11-15

WV

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-14

Nutley, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-14

Bozeman, MT

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-13

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-13

Bear, DE

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-11

Phila, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-11-09

MO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-11-09

Anaheim, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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
Company Response: Closed with explanation

Timely Response

2017-11-09

OH

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-11-09

Bear, DE

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-08

San Gabriel, CA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-11-08

Itasca, IL

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: 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..
Company Response: Closed with explanation

Timely Response

2017-11-08

Alturas, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-11-08

Las Vegas, NV

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-07

Chandler, AZ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-07

Elmwood Park, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-11-07

Arco, CA

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: 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 %.
Company Response: Closed with explanation

Timely Response

2017-11-07

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-07

Union City, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-11-06

Wonder Lake, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-11-06

San Diego, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-11-05

Hinsdale, IL

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-11-05

MD

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-11-03

Phila, PA

Closing on a mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-11-02

Cape Coral, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response