BAYVIEW LOAN SERVICING, LLC

2017-05-30

Chandler, AZ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: From XXXX XXXX to XXXX XXXX , I have tried to reach asset manager at Bayview Loan Servicing o n several occasions. The most recent occasion was the beginning of XXXX XXXX , in which I wanted to know what my new mortgage payment would be in the permanent conversion modification package Bayview Loan Servicing w as suppose to be sending since XXXX XXXX . I had obtained Homeowners insurance from XXXX and canceled the lenders forced placed insurance ; however, the lender has failed to cancel their forced placed insurance and notify me what my new payment would be. I left messages for asset manager XXXX XXXX and XXXX XXXX . It is important to note the homeowners insurance we signed up for at XXXX XXXX is {$2500.00} lower than the forced placed insurance Bayview Loan Servicing place d on our account.
Company Response: Closed with explanation

Timely Response

2017-05-30

Yeagertown, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Our mortgage was sold by Bayview to XXXX XXXX . Bayview has sloppy accounting and does not apply our payments. Since the loan was sold we are having increasing problems with payments not being applied and money over the due amount suspended and held instead of being applied to our principle.
Company Response: Closed with explanation

Timely Response

2017-05-30

San Marcos, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-29

Hillsdale, NJ

Trouble during payment process

Mortgage: FHA mortgage

Complaint: Bayview Loan Servicing co ntinuously ignores my requests to resolve modification that should have been accepted from the prior servicer, and credit reporting that should have been corrected. Attached are the documents. 1. My Daughter was removed from the loan by XXXX . 2. XXXX modified this loan, but Bayview is refusing to accept this modification,.
Company Response: Closed with explanation

Timely Response

2017-05-27

Las Vegas, NV

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I received the answer from my complaint, yet this did not answer my questions nor did it solve the issue. Again I asked for a complete statement of payments, none has come. My monthly bill is {$720.00}. I answered the last complaint in letting you kno w Bayview has had more than enough time to produce the document I requested. This has not happened. My XX/XX/XXXX bill again was {$720.00} I have made payments Totaling {$850.00}. thus the balance for XX/XX/XXXX should have started at, {$590.00}. This balance is offset by my payments thus far in the month of XX/XX/XXXX of {$810.00}. My balance to start XX/XX/XXXX should be {$500.00}. This is not showing on their site, only the last payment of {$10000.00} from XX/XX/XXXX shows. <P/> Also there is still the matter of the Attorney fees, again their contracted attorney has yet to answer my certified letter on them mailing 20+ copies of letters to my tenant, who is not on the loan nor has interest in this property. I am demanding half of the attorney fees be returned by Bayview for failure to do their due diligence on this matter. It was their attorney that did not do the work, let them refund me and collect the money from their attorney. This would be well over {$550.00} of fees to be returned. <P/> LET THEM KNOW THEY ARE ON NOTICE AND I WILL SUE THEM SHOULD THEY OBFUSCATE ANY LONGER. I have continued to call and follow up on this matter, yet they will not be forthcoming on this. Their canned letter of response is not acceptable.
Company Response: Closed with explanation

Timely Response

2017-05-26

California Conservation Cent, CA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-26

Carmel, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-26

Hack, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-26

NJ

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I applied for a short sale of my home and was notified that I was placed into review for homesaving options. I assumed that this was a requirement of the Investor of my loan, however I have now been advised that it is not. On XXXX XXXX I was advised that my file had been denied for loan modification options - though I did not apply for a loan mod, then was advised my file would be placed into short sale review as I originally requested. On XXXX XXXX I submitted the required short sale documents and was then advised that a property valuation would be ordered. My listing agent and his negotiator have been notified that a valuation needs to be completed and an appointment has been set, however the sale date is still active for X/XX/17 . My single point of contact states that the sale date is not showing, however the foreclosure attorney states that there was no hold placed on my file by their client. How is this possible? Why would an active sale date be set for a property in review for short sale? Why was my home reviewed for a modification instead of the short sale I requested? I am attaching my original application I submitted and the short sale acceptance letter I received from Bayview Servicing. According to CFPB guidelines : Restricted Dual Tracking : Under the CFPB 's new rules, dual tracking - when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers must not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. This will give borrowers reasonable time to submit modification applications ; Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Why would this continue if I was actively being reviewed for a loss mit option? Why was I told that my loss mit review wo uld continue after being denied for a loan modification I knew I was not going to be approved for in the first place? Why was I not placed into short sale review as requested per my Loss Mitigation application? I would like to be allowed to be reviewed for Short Sale as originally requested on XXXX via my completed loss mitigation application.
Company Response: Closed with explanation

Timely Response

2017-05-25

Sacramento, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-25

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-24

Dowling Park, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: according to the U.S. treasury guidelines. under the imminent default criteria I believe my brother who is a military veteran deserves to keep his home. under the US treasury guidelines he should be eligible for a modification based on his XXXX . He went through marital issues and a divorce in XXXX and XXXX causing him to struggle with excessive expenses, he struggled from XXXX and was hospitalized multiple times. He Is a XXXX patient and has to be XXXX XXXX times a week. He was admitted into the hospital on XXXX and XXXX , currently in hospital. He has been hospitalized multiple times due to XXXX XXXX and issues that may have resulted from being in the military. He depends on medical equipment for support to walk and to get around. he is only XXXX yrs of age and struggles like an elderly individual.
Company Response: Closed with explanation

Timely Response

2017-05-24

Kingsland, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX is a victim of mortgage fraud by and through the XXXX XXXX XXXX a nd XXXX XXXX XXXX , XXXX XXXX XXXX or an agent thereof, has committed, to include but not limited to the following criminal offenses of identity theft, forgery and fraud against, XXXX , the state of Georgia, and XXXX County, by cr afting, creating and forging, a fictitious loan security deed & note. Unbeknownst to XXXX , her mortgage was transferred and thereby illegally stealing her ownership of the deed of the property, located at XXXX XXXX XXXX , XXXX , GA XXXX . I have the utmost confidence that our investigations team will prove all of the elements of an insider s Financial Fraud for profit scheme that plagued America i n recent past. A criminal report of the alleged crimes are in the process of being investigated by XXXX Police Department Case # XXXX . A Fraud Report has been reported to The Georgia Department of Banking and Finance an d also with the District Attorneys Office hav ing jurisdiction where the property is located. Additional complaints and report of Financial mortgage fraud are pending as of the date of this most recent CFPB complaint. In conclusion, the alleged Trustee, XXXX XXXX XXXX XXXX XXXX , AS TRUSTEE FOR THE CERTIFICATE HOLDER OF XXXX IN. , ALTERNATIVE LOAN TRUST XXXX , MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX XXXX XXXX - XXXX , XXXX XXXX XXXX NY XXXX is also fictitiously created. Bayview in its letter dated XX/XX/XXXX , provided a contact # for the alleged Trustee as ( XXXX ). This number is actually for the promotional department of the XXXX XXXX not the alleged Trustee . ( Case law is attached to show proof that ) please see attachments identified as ( XXXX -AS-TRUSTEE-vs.- XXXX -Pages-from-the-AFFIDAVIT-OF- XXXX .pdf ) No interest can be transfered if XXXX XXXX XXXX XXXX nor XXXX dba XXXX XXXX XXXX XXXX nev er had any interest to transfer in the said property because it was NEVER a corporation in NEW YORK as indicated o n the Security Note and Deed. Because, XXXX XXXX XXXX XXXX has been proven to NOT be a corporation, incoporated in the state o f New York, Th e alleged lender was never licensed or registered to do business as a mortgage lender or broker offering residential loans in the state of Georgia, in XX/XX/XXXX . Therefore, XXXX XXXX XXXX XXXX , XXXX nor XXXX XXXX XXXX , can not prove any legitimately conceivable interest that could be assign to any said such Trustee XXXX XXXX XXXX XXXX XXXX , as decided as a matter of XXXX XXXX ( See attachment titled District Courts of Appeals .... )
Company Response: Closed with explanation

Timely Response

2017-05-24

Tuckasegee, NC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-24

TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage loan was transferred to Bayview Loan Servicing LLC in XXXX 2017 for a modification application. I was told by Bayview representative in XXXX the process would take 30 days or less for underwriting to make a decision on my loan modification. We are now several days from XXXX , yet no one from Bayview has contacted me either by email, mail, or phone call about the status on the loan In weeks. In the meantime, I tried making a mortgage payment but my mortgage company said I had to make payments directly to Bayview. When I called their automatic phone service, I was n't Able to make a payment. I 've left many phone messages, emails, and letters by mail asking them to call me for an update, and explaining how to make my mortgage payments. I have n't heard from anyone from Bayview. My credit report shows late payment from mortgage. Also, I mailed a check for payment to XXXX Texas address but payment was not applied to my checking account on time.
Company Response: Closed with explanation

Timely Response

2017-05-23

Boston, MA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-23

Hermosa Beach, CA

Written notification about debt

Debt collection: Mortgage debt

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

Timely Response

2017-05-23

Pinellas Park, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-23

Norton Shores, MI

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-23

Douglas, MI

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-23

East Haddonfield, NJ

Written notification about debt

Debt collection: Mortgage debt

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

Timely Response

2017-05-23

Hermosa Beach, CA

Written notification about debt

Debt collection: Mortgage debt

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

Timely Response

2017-05-22

Sunnyvale, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-22

Itasca, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have communicated with XXXX from bayview loan servicing on XXXX / XXXX / 2017 and told her that bayview loan servicing is doing fraud by charging me for insurance and not paying XXXX insurance. In XXXX 2017 I got a call from my insurance agents office stating that they havent received a payment for the insurance in the sum amount of XXXX XXXX . Consequently I made a payment of XXXX and this is reflected on my credit card statement. I have asked bayview loan servicing to please pay my money back plus the interest that they have charged me. But the attitude of bayview loan servicing is like of a XXXX . They are stubborn and they dont want to resolve their mistakes
Company Response: Closed with explanation

Timely Response

2017-05-22

Boston, MA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response