BAYVIEW LOAN SERVICING, LLC

2017-11-02

Arvada, CO

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-11-01

Chandler, AZ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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. ) ''
Company Response: Closed with explanation

Timely Response

2017-10-31

Oxford, GA

Incorrect information on your report

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

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

Timely Response

2017-10-31

Tucson, AZ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-31

Airmont, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-30

Stone Mountain, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-30

Fred, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-30

San Jose, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-27

Dania Beach, FL

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-27

Gloucester City, NJ

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-27

Discovery Bay, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-10-27

Chandler, AZ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-27

Norco, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-27

Chandler, AZ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-10-26

Soquel, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-10-26

Calwa, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-26

Tucson, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-10-25

Syringa, VA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-10-25

Las Vegas, NV

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-25

MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-10-25

Kingsland, GA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-25

Eagle, WI

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-25

Bay Point, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-24

Stkn, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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
Company Response: Closed with explanation

Timely Response

2017-10-23

San Gabriel, CA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response