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 43
2017-08-25
Wallington, NJ
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-24
Camarillo, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-23
Wonder Lake, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-22
Ardmore, MD
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-21
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-17
Roselle, NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-16
Jupiter, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-16
Santa Ysabel, CA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-15
Atl, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2017-08-14
NY
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: 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!
Company Response: Closed with explanation
2017-08-13
Itasca, IL
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-12
Los Gatos, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-11
Beckhamville, SC
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-11
Northwood, OH
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-11
NY
Trouble during payment process
Mortgage: FHA mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-10
Las Vegas, NV
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-10
Cheverly, MD
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-10
Wonder Lake, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: 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.
Company Response: Closed with explanation
2017-08-10
S Lake Tahoe, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-09
Occoquan, VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-09
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-08
Dayton, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-08
San Jacinto, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation
2017-08-07
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-04
Seneca, SC
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: 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.
Company Response: Closed with explanation