BAYVIEW LOAN SERVICING, LLC

2017-10-10

Oxford, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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
Company Response: Closed with explanation

Timely Response

2017-10-09

Coral Gables, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-07

Phila, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-06

Las Vegas, NV

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-05

Hixson, TN

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-05

VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-10-05

Crystal Lake, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-05

West Salisbury, VT

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-04

Phila, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-04

Jupiter, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-10-04

Hinsdale, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 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
Company Response: Closed with explanation

Timely Response

2017-10-03

Green Oaks, IL

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-02

Boston, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-30

Finksburg, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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!
Company Response: Closed with explanation

Timely Response

2017-09-29

Miami, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-29

Brentwood, TN

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-28

Poway, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-28

Cadwell, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-09-28

VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-09-26

Cape Coral, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-26

Dublin, CA

Written notification about debt

Debt collection: Mortgage debt

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

Timely Response

2017-09-25

Clayton, MO

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-25

Bloomington, MN

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-09-25

Washington, DC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-25

Brooklyn, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response