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 49
2017-06-09
Ft Lauderdale, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-09
Arvada, CO
Closing on a mortgage
Mortgage: FHA mortgage
Complaint: Back in XXXX , after the building industry collapse I missed payments on my mortgage. I applied for a home modification through XXXX XXXX XXXX . They held a XXXX and XXXX on my property. I was denied a modification, at first, then a new application package arrived by fed ex to fill out and sign before a certain date.. During that process, the XXXX loan was sold to Bayview Lending . They then sent countless application packets. I filled them all out. After getting denied 3 times for a modification, I tried to do a " Deed in-Lieu ''. That too got denied several tim es. I tried to short sell the property. Denied. All denied, but foreclosure dates kept moving. Last year I was contacted by an investor saying they could deal with the lender and had EXPERTS to deal with this and get it sold for me. They found buyers on several occasions, and each time bayview accepted the offers at first. All the proper paperwork had been filled out. They foreclosed the property 2 days ago. This whole process felt devious, uncoordinated, and incompetent. <P/> My complaints are wit h : Bayview Lending XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2017-06-08
Jax, MS
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: I n 2006, I purchased the XXXX XXXX XXXX in XXXX Ohio. This property was wrongfully foreclosed by BAYVIEW loans after getting behind in payments. I never received the proper legal documents informing me of my rights.
Company Response: Closed with explanation
2017-06-08
Chicago, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My mortgage is wi th Bayview Loans tr ansferred from XXXX XXXX i n 2015. I have been paying the mortgage promptly monthly. I discovered that all payments were being applied to interest only. I contacted Bayview and was informed that the problem would be corrected. It was not. Later l was informed that the loan was a daily interest loan in addition to the 30 year fixed. I was not aware of this. When l make payments l use the customer service representatives. I ask how much is due each time and l make the regular monthly payment. Recently l found out that the daily interest payment was also due and that is the reason why all payments were applied to interest only. When l receive my monthly statements it does not reflect the daily interest amount and calls each month to the representatives did not indicate that additional monies were due. I think that this is a deceptive practice to cheat me out of my monies for the principle amount on the mortgage. I was never informed by mail or over the phone that additional monies were due. This practice allowed Bayview to take my entire mortgage payment and apply it to interest only. Since l started an inquiry with Bayview l have been given the run around. I received a statement outlying how the payments were applied. The statement was confusing and inaccurate. Recently l have been informed that the mortgage has been transferred. I think that the transfer is an attempt to get rid of my account because their practices were deceptive. I believe l am a victim of fraud.
Company Response: Closed with explanation
2017-06-08
Santa Ysabel, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Bayview is woefully understaffed for the loans they are servicing. They never answer the phones and it takes and rarely respond to email requests. They have acted with gross negligence handling this short sale request and borrower is being unnecessarily forced into foreclosure due to Bayview negligenc e.
Company Response: Closed with explanation
2017-06-08
Chandler, AZ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: XXXX OF XXXX AND BAYVIEW LOAN SERVICING FAILURE TO POST PAYMENTS CORRECTLY, FAILURE TO PROVIDE CORRECT STATEMENTS, PROVIDING CONSUMERS WITH FRAUDULENT DOCUMENTS THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX provided Bayview Loan Servicing with fraudulent documents to respond to multiple complaints we filed with the Consumer Financial Protection Bureau. Therefore, due to XXXX XXXX XXXX and Bayview Loan Servicing responding to multiple Qualified Written Request with fraudulent documents through the Consumer Financial Protection Bureau and through the United States Postal Service we are experiencing harassment and retaliation due to us reporting these schemes. During the duration of the trial modification payments, Bayview Loan Servicing continuous failure to accept a m onthly loan payment from us and post it to our account correctly started on XXXX XXXX and has continued through the present. Bayview Loan Servicing is a XXXX dollar corporation, currently they manage approximately {$11.00} XXXX dollars. Therefore, its difficult to understand why its so terribly difficult for Bayview to accept a monthly loan payment from us, post it to our account correctly, update our statements, update their automated system with the information correctly, and manage the day-to-day operations of our loan without continuing to compound multiple continuous errors. Upon us complaining about the compounding errors, schemes and shams committed on our mortgage loan by the previous servicer, predatory banker, Bank XXXX XXXX continues to do nothing about our complaints in fact, Bank XXXX XXXX has intensified the well planned scheme and has involved Bayview Loan Servicing by providing Bayview with fr audulent documents to provide to us and Bayview Loan Servicing upload these fraudulent documents to our portal at the Consumer Financial Protection Bureau as well as mails these fraudulent documents through the United States Postal Service. XXXX XXXX XXXX transferred our loan to XXXX XXXX XXXX without making corrections caused by misappropriation of payments and forced placed Insurance. The Master Servicer Bank XXXX XXXX has instructed Bayview Loan Servicing to foreclose on our home by having Bayview loan s ervicing intentionally and purposefully failing servicing duties of : failing to post our monthly payment to our account correctly, failing to update their automated system with the information correctly when a payment is made, failing to post the payments to our monthly statements correctly and continuing to compound multiple errors on our loan in the day to day operations.
Company Response: Closed with explanation
2017-06-08
Haskins, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have a Mortgage with Bayview loan servicing company. This Mortgage was initially done with XXXX XXXX and sold to XXXX XXXX and now since last XXXX XXXX it was acquired by Bayview Loan Servicing company. The problem I am having with them is they are not adhearing to the original loan. My Payment is due on the XXXX of each month with a 15 day grace period to the XXXX If my payment is not received by Bayview by the XXXX of each month they call to every day, even though I 'm not late until the XXXX . I am not late and I am ahead of the mortgage by pay more than due each month
Company Response: Closed with explanation
2017-06-07
Chandler, AZ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Bayview Loan Servicing LLC has violated Bankruptcy Law and State and Federal laws by trying to foreclose on our home. XXXX XXXX XXXX has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer XXXX XXXX XXXX developed a scheme and transferred loan to Bayview Loan Servicing to cover up Bankruptcy Law violations.
Company Response: Closed with explanation
2017-06-07
NM
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: A version of this Complaint was filed on XX/XX/XXXX ( XXXX ). After speaking with a CFPB representative I am refilling the complaint as instructed. The company against whom the complaint is filed - Bayview Loan Servicing, pr eviously misrepresented to the CFPB that the matter was in litigation. While there is a foreclosure matter pending in litigation, the company against whom this complaint is filed is NOT a party to that litigation and thus it is required to respond to the CFPB complaint. The company has recently confirmed it is not a party to that litigation stating in part : Bayview is not a party to the foreclosure action. See Exhib it 1 hereto, p.3 at paragraph 2. <P/> Bayview will likely make the false claim that its " counsel '' will review and respond, however the attorney that will likely respond is NOT representing Bayview or XXXX ( th e previous loan servicer ) and is admittedly not Bayview 's counsel. <P/> The responding attorney has no actual knowledge of the actions regarding the previous loan servicer which ceased business operations in XXXX . The attorney is simply paid to say whatever it needs to in order to conceal the fraud outlined in my complaint.. It has proven that in the Exhibit attached hereto as Exhibit 1 w herein matters therein directly contradict other claims the attorney has made. <P/> Complaint and documentation attached.
Company Response: Closed with explanation
2017-06-07
Chandler, AZ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Bayview Loan Servicing h as failed to provide Requests for Mortgage A ssistance ( RMA ), los s mitigation processes including, but not limited to modifications and has instead chosen to dual track our home. In this instan ce, Bayview and its employees, Asset Manager XXXX XXXX and Asset Manager XXXX XXXX knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how Bayview Loan Servicing an d its employees are to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. Instea d Bayview Loan Servicing and its employees have operated in this racketeering business enterprise for profit orchestrated through the Master Servicer XXXX XXXX XXXX . Bayview Loan Servicing and its emplo yees, Manager XXXX XXXX and XXXX XXXX have practiced and established and intended to circumvent the rules and law. Specifically, they have been executing foreclosures on behalf XXXX XXXX XXXX designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their neglect to follow the loss mitigation process and have their employees indicate to us to miss payments. Review of the timeline does not conform with federal and state law. In a scheme to foreclose on our h ome Bayview Loan Servicing e mployees intentionally told us to stop making trial modification payments after we made our third modification payme nt. Bayview Loan Servicing LLC failed to provide permanent modification documents that were not damaged and delivered late from XXXX XXXX to XXXX XXXX . Finally, after making trial modification payments f or nine mon ths, Between XXXX XXXX to XXXX XXXX and the month of XXXX we paid at least {$1900.00}. From XXXX XXXX to XXXX XXXX we did n't m ake trial modification payments only after being told multiple times by Bayview Loan Servicing LLC e mployees not to make payments we didnt make payments for the month of XXXX and XXXX XXXX . Bayview Loan Servicing then started foreclosure on our home. We did start making payments again in the month of XXXX XXXX .
Company Response: Closed with explanation
2017-06-07
Chandler, AZ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Bayview Loan Servicing has violated several federal and state laws when providing responses to multiple complaints and Qualified Written Request filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing ha s also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
Company Response: Closed with explanation
2017-06-07
Chandler, AZ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On XXXX XXXX, XXXX, I received an email from Asset Manager XXXX XXXX stating he had sent out the permanent conversion/modification package I had been waiting on since XXXX XXXX, On XXXX XXXX, XXXX I responded to XXXX XXXX XXXX in an email stating First, thank you for your email ; however I have n't received your package yet. Due to a family emergency which resulted in death I have been in California since The beginning of XXXX XXXX. Before I left in XXXX I checked the porch for any packages like I have been doing since XXXX XXXX and there was no package from Bayview on the porch. Before I left in XXXX XXXX, I also called Bayview made them aware of the situation and told them I have been waiting on the loan conversion permanent modification package since XXXX XXXX and I was becoming frustrated I told them to have you and XXXX XXXX call me but I did n't receive a call until XXXX XXXX XXXX. On XXXX XXXX XXXX when XXXX XXXX emailed me I was spending the last moments with my family member before death, preparing my children for the worst, planning funeral arrangements. In the email I also stated On XXXX XXXX, XXXX, my family member died. The funeral is on XXXX XXXX, XXXX, and I will be back in Arizona XXXX XXXX, XXXX. Today I 'm at the funeral home and I will call you and XXXX XXXX today after leaving the funeral home. I called XXXX XXXX and he gave me the stated that the package would be on the porch when I got back on XXXX XXXX, XXXX and that I would have twenty business days to have the package reviewed by an attorney and back to them. XXXX XXXX also indicated since the conversion modification package was backdated to XXXX XXXX and we would just now be signing the package in XXXX XXXX, that we would be two payments behind because Bayview Loan Servicing employees had told us to stop making payments so we did n't make payments in XXXX XXXX and XXXX XXXX but did start again in XXXX XXXX when we found out the scheme Bayview Loan Servicing was doing by telling us to miss payments so we would be behind in payments by the time Bayview Loan Servicing sent the conversion modification package. On XXXX XXXX, XXXX, upon returning to Arizona there was no conversion Permanent Modification package on the porch and Bayview Loan Servicing had already started foreclosure on our home. On XXXX XXXX, XXXX, I spoke to Manager of our Asset Manager XXXX XXXX of Bayview Loan Servicing and I told him because Bayview Loan Servicing employees had told us not to make payments that I was n't going to sign documents dated back to XXXX XXXX on XXXX XXXX nine months later when Bayview Loan Servicing llc and its employees set this scheme up with the two missing payments to foreclose on our home. On XXXX XXXX, XXXX, I also told XXXX XXXX that AFTER CHECKING MY FRONT PORCH FOR OVER 200 DAYS FOR A CONVERSION MODIFICATION PACKAGE that the package XXXX XXXX stated would be on my porch XXXX XXXX, XXXX and I would have 20 days to review and sign was n't there. XXXX XXXX told me packages had been sent I then asked him why in several phone calls Bayview Loan Servicing employees stated on multiple occasions nothing had been sent out and errors had been made and to wait an additional 60 to 90 days. I also stated, why would n't Bayview Loan Servicing have me sign for the package because I am not receiving them XXXX XXXX stated it was because the package was sent out XXXX I then told him XXXX has packages that can be signed for. XXXX XXXX also was surprised that multiple Bayview Loan Servicing employees had told me the balloon payment and balance would be at 0 percent interest. I also told XXXX XXXX that I due to my XXXX all my phone calls are recorded and my Asset Manager XXXX XXXX had given me a blanket release to record all phone calls with Bayview Loan Servicing due to my XXXX and that I would have to have my nurse review the calls and give him the names of employees that told us not to make payments and that the balloon balance and payment would be at zero percent interest, and that errors of posting payments and errors had been made on our loan conversion and that is why it has taken almost a year after we have made three trial modification payments for Bayview Loan Servicing to send out a conversion permanent modification package.
Company Response: Closed with explanation
2017-06-07
Chandler, AZ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Bayview Loan Servicing and XXXX XXXX XXXX Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
Company Response: Closed with explanation
2017-06-06
Wallington, NJ
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: In the beginning of XXXX XXXX , I began working with XXXX XXXX from Bayview Loan Servicing , LLC. I am a XXXX , and for about 2 months I had been working with XXXX because XXXX XXXX , a seller who has an account/mortgage with Bayview wanted to do a short sale and sell his house to his tenant. For 2 months, XXXX lead me on assuring me that if I submitted everything he requested and had a complete file, he would stop the house from going into an auction sale, and the short sale between my clients, the seller and buyer, would be completed. I communicated with XXXX almost daily over the phone, which was always recorded by Bayview, and through email. XXXX XXXX XXXX was the deadline for us to have a complete file in order to stop the auction sale. On XXXX XXXX XXXX , XXXX sent me an email stating that the sale had been postponed and the house would not go on auction sale on XXXX XXXX XXXX . After XXXX XXXX XXXX , I continued to schedule appointments to speak with XXXX as I always did, but he would not call me, until yesterday, XXXX XXXX XXXX , he had his supervisor call me to tell me in an aggressive tone of voice that the house was sold on XXXX XXXX XXXX and that there was nothing else to be discussed between me and them. So ultimately, I 'm filing this complaint because XXXX and Bayview had me working for 2 months and were not truthful throughout the whole process. They took advantage of my clients and performed misrepresentation.
Company Response: Closed with explanation
2017-06-06
Columbus, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Our mortgage was opened in XX/XX/XXXX with XXXX XXXX . The mortgage was on a property that contained XXXX parcels. An escrow account was set up for the taxes and insurance. The payments on the mortgage were paid on time until XX/XX/XXXX , and then brought up to date in XX/XX/XXXX . At this time, we discovered there were past due taxes on the property. CHASE was paying taxes on only XXXX of the XXXX parcels, which has now created delinquent tax bills including interest and penalties. Additionally XXXX sold this mortgage to Bayview Loan Servicing . We have been trying to sell the property and payoff the account, however do not feel we are responsible for XXXX 's error and lack of payment of taxes. This error is causing a delay in the selling of the property. We have reached out t o Bayview Loan Servicing 4 times in the past several weeks and have not received any assistance in settling this issue. We have forwarded documentation including tax bills, and other pertinent documents. At one point, a representative from Bayview even acknowl edged there was an error, however that XXXX was ultimately responsible for the error.
Company Response: Closed with explanation
2017-06-06
Denham Spgs, LA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-06-05
Kfalls, OR
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Our mortgage loan was transferred from XXXX to a group called Bayview Loan Servicing , LLC back in XXXX XXXX . We are in process of attempting to refinance our home and there is a {$14000.00} amount that Bayview Loan Servicing i s claiming as a Deferred Amount. When we call Bayview the y claim that it is from a modification from XXXX XXXX , XXXX . We do not have any reco llection of doing any modification. When we try to speak with a supervisor with Bayview we get disconnected and have to start the process all other again. We have requested a payoff and we 'll bet you that we wo n't get it.
Company Response: Closed with explanation
2017-06-05
Virginia Bch, VA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-06-05
Hazlehurst, GA
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was paid
Complaint: Borrower filed Bankruptcy Chapter XXXX on or about XX/XX/XXXX . Borrower 's first post- petition payment was due on XX/XX/XXXX . The servicer of the loan, XXXX XXXX XXXX , posted that first post petition payment to a pre-petition payment due date of XX/XX/XXXX . The servicer, XXXX XXXX XXXX and Bayview Loan Services misapplied more than sixty ( 60 ) timely payments as past due. The borrower has not received any billing statements or any other statements or notices from the service r, Bayview Loan S ervicing from XX/XX/XXXX through XX/XX/XXXX because Bayview is currently sending all statements and notices to an address that is NOT the borrower 's address of record. <P/> The Borrower sent a RESPA QWR to Bayview Loan Servicing on XX/XX/XXXX , requesting specific certain information. Bayview used a form letter to respond to the borrower 's concerns that her payments were being misapplied and to imply that the servicer had not reasonably investigated her error claim. Bayview further did not respond completely until more than one-hundred seventeen ( 117 ) days after their confirmed receipt of this borrower 's QWR, that specifically requested the payoff balance of the loan. Bayview has failed to provide an accurate payoff of the loan within the time allowed by FDCPA. Bayview has further provided more tha n 3 d ifferent alleged default amounts. On XX/XX/XXXX Bayview alleged the balance due was {$3900.00} which is ; different from the {$2300.00} as in the Notice of Default Letter a nd both of those balances are different from the Billing statement of XX/XX/XXXX that shows a balance of {$4800.00}. <P/> Aside from Bayview never sending to the borrower nor her attorney the Debt Validation Letter , the letter in itself is violates 15 U.S.C. 1692e bec ause it misstates the law, omits a material term required by 1692g ( a ), and misrepresents consumer rights under the FDCPA. See 15 U.S.C. 1692g. <P/> The communication alleged in this case omitted a material term required b y 1692g ( a ). Specifically, the letter did not inform the borrower that she must dispute her debt in writing to trigger her verification rights under 1692g ( b ). By omitting this requirement, the Collectors instructed the borrower that she could invok e 1692g ( b ) by disputing her debt by callinga misstatement of the law surrounding debt-verification requests. This misrepresentation was not apparent on the face of the letter ; it would thus state a claim even in jurisdictions that apply the competent lawyer standard The FDCPA exists to protect consumers against debt collection abuses. 15 U.S.C. 1692 ( e ). Consumer-protection laws are not made for the protection of experts, but for the public. <P/> From XXXX to XXXX , the borrower has never received any billing statements, Notice of Default Letters, Debt Validation letter or any other information regarding the mortgage account from the servicer, Bayview Loan Servicing, because Bayview has sent all billing statements and notices to an address, that has NOT been the borrowers address since XXXX . Attached see the proof obtained by borrower RESPA QWR that the most recent billing statement was NOT sent to the same address that Bayview Loan Servicing and XXXX XXXX XXXX XXXX has as the address of record for the borrower. This in itself violate FDCPA. Also, Bayview Loan Se rvicing sent this Debt Validation letter to that said address which was not the borrower 's address, during the time when the Borrower was actively under Chapter XXXX Bankruptcy and while the borrower was represented by an Attorney. Bayview at no time sent th is Debt Validation Letter to the borrower 's Bankruptcy Attorney. Thereby leaving the borrower and her attorney unaware of any default and there by Bayview h as denied the borrower her rights under FDCPA. The borrower NEVER received any statements or the Debt Validation Letter until on or about XX/XX/XXXX when Bayview responded to borrower 's RESPA request from XX/XX/XXXX <P/> Because Bayview did not provided to the borrower the payment transaction history from XXXX for more than 117 days past her date of requesting in her XX/XX/XXXX QWR, those actions were intentional and contributes to the timeliness of the borrower 's discovery of more than 60 misapplied payments by XXXX XXXX XXXX and Bayview Loan Servicing. In Bayview 's letter dated XX/XX/XXXX , B ayview Loan Servicing admitted to have discovered at least 1 mi sapplied payment as proof provided by the borrower. Between the time frame of XX/XX/XXXX throught XX/XX/XXXX , Bayview Loan Servicing and XXXX XXXX XXXX has misapplied and reapplied more tha n seventy-five ( 75 ) payments. Most of which were during an active Chapter XXXX Bankruptcy protection post-petition phase. On XX/XX/XXXX the borrower sent to Bayview Loan Servicing , XXXX XXXX XXXX & Foreclosing Attorney XXXX XXXX XXXX XXXX Bayview and all other parties ( TBD ) involved has committed more th an 5 RE SPA violations which is a pattern or practice of non-compliance with the servicing requirements of RESPA. Bayview Loan Servicing & XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has committed the following acts that violate TILA and more to be determined late r : 1 ) F ailed to proved accurate payoff in 7 days because of misapplied payments. 2 ) fa iled to promptly credit payment s 3 ) Pyra miding late fees and other misc. fee s 4 ) failed to send monthly statements and default notices due to being sent to an address that is different from the address Bayview and XXXX XXXX XXXX XXXX used to respond to QWR responses. Bayview was aware of address changed in XXXX . 5 ) Bayview sent Debt Validation Letter d irectly to the borrower BUT to an address previously used by the borrower BUT never sent the letter to the attorney representing the borrower in an active Chapter XXXX case.
Company Response: Closed with explanation
2017-06-02
Las Vegas, NV
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XXXX / XXXX / 17 and are proceeding to sale set for XXXX / XXXX / 17 - the lender is in violation of regulation X- 12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Company Response: Closed with explanation
2017-06-02
WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-06-01
Alexander, AR
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-31
Orange, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-05-30
Scottsdale, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX , Bay view Loan Servicing ha d us start making three trial modification payments. On XX/XX/XXXX , we st arted making three trial modification payments and finished on XX/XX/XXXX , we made our final modification payment. Starting XX/XX/XXXX , I checked the porch daily for a permanent modification package fr om Bayview Loan Servicing. Fr om XX/XX/XXXX until the beginning o f XX/XX/XXXX , for over 200 days I have checked my front porch for a corrected conversi on permanent modification packet that has never come. At the beginnin g of XX/XX/XXXX after checking the porch for over 220 days almost a year for the conversion packag e the permanent modification package there was nothing there on the porch. I calle d Bayview Loan s ervicing the beginning of XX/XX/XXXX and a sked about the package as I had done multiple times before over the 220 day time frame and I was told by Bayview Representative that nothing had gone out. For over 220 days I did n't leave my home for any situation that required more than an over night stay even during my husband XXXX XXXX , XXXX and hospital stay I would leave the hospital to check my front porch for the conversion permanent modification package Bayview Loan Servicing, my asset manager XXXX XXXX stated was coming on multiple occasions. In the beginning o f XX/XX/XXXX , I had a family emergency I had to leave my home to go out of state, the family emergency resulted in XXXX and the XXXX was this pass weekend ; however , Bayview Loan Servcing s tarted foreclosure on my home for missing payments they told me not to mak e. Bayview Loan Servicing is dual tracking my home. Although Bayview Loan Servicing had told me to stop making payments in XX/XX/XXXX , I made trial modifications payments from XX/XX/XXXX until XX/XX/XXXX for ten month s and never received the correct conversion permanent modification pack age Bayview Loan Servicing sta ted.
Company Response: Closed with explanation
2017-05-30
Yeagertown, PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Prior complaint XXXX , Bayview does not apply payments correctly. They hold payments and suspense money over the mortgage amount.They are saying I owe for XXXX from XXXX 2017 . We have never missed a payment, we paid bi-weekly with prior company and are years ahead on the mortgage. When I call in and complain they block me from their website. They are sending me foreclosure notices and were calling me for payments even though I do n't owe them. Of note also is they were using the wrong interest rate a supposedly corrected it. I am paying interest on a principal balance that does not include the money they are putting in suspense. They have always had sloppy accounting however it has gotten worst since they sold the mortgage to XXXX XXXX
Company Response: Closed with explanation