BAYVIEW LOAN SERVICING, LLC

2017-03-28

Chula Vista, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Felton, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Wonder Lake, IL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I am in desperate need of assistance. I have work with my lander Bayview for almost a year and have submitted all the required documents to continue my modification review. However ; at this point they have not afford me a modification. I am more than sure that their intentions are to foreclose my home, My husband is going trough XXXX and this is affecting hes health. I am doing everything from my side to keep a roof over our heads. As I have mention Bayview my intentions were not to fall behind, however ; due to the extreme loss of income it was out of my control. My intentions are to keep my house with an affordable mortgage payment. I did tell my specialist XXXX if I will not get a respond soon I will filling a complaint with my attorney General. Bayview keeps stating I am not able to afford my house. Therefore I have order a new appraisal to be done for my property and is actually under water. Therefore my loan does qualify for an affordable mortgage payment. I do have a surplus and have cut lots of unnecessary expenses. Please question Bayview what are there intentions, mine are to be current once again and start paying my mortgage. Thank you in advance for your consideration.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Altamont, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Albany, GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

San Marcos, CA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Draper, UT

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Redding Ridge, CT

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My mother and father were both on a mortgage with XXXX/ XXXX XXXX My father passed away in XXXX. When we inquired about mortgage insurance. We were promptly told that theirs expired a year prior to my father 's death. The initial mortgage was {$830.00} and the interest rate was well over 21 %. With much haggling the reduced the mortgage payment to {$300.00} with an interest rate of 7.7 %. Throughout all these years they never did assignment or any paperwork pertaining to the mortgage until I asked them for a copy of the mortgage and the note. The then sold the loan to Bayview Loan Servicing LLC. The loan is a 30 year fixed rate mortgage. Upon transferring it to Bayview, we were told that it is now a daily interest loan. The bill says that the {$300.00} payment is all going to interest.. My father passed away in XXXX. XXXX just filed some assignment paperwork to them from my dad and the old mortgage company. My mother 's name is not on The documentation. His name is even spelled incorrectly. They further filed an assignment from XXXX to Bayview loan servicing all on the same day XXXX. I have no way of knowing wether my parents had mortgage insurance. My mother has XXXX, my father is deceased, and XXXX never would produce any focumentation. My parents only income at the time was social security. With my father now deceased my mothers income is only half of what it was, I believe my parents are victims of predatory lending. Something very sinister has gone on here. I have to speak for my mom because she ca n't speak for herself. I need some help.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Terre Haute, IN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Tarzana, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am doing a short sale for a client and the mortgage company, Bayview Loan Servicing gave us an approval in XX/XX/2016, but now refusing to honor that approval, so we can close. They have told me several times that the short sale was approved, but when I asked for the renewed approval letter, they keep lying to me. Their intention is not to process the short sale, but to foreclose. They now renege on their agreement in the past to the value.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Kissimmee, FL

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: After months of diligent efforts by our firm, XXXX, and our clients, we finally received a modification offer from Bayview in connection with our clients ' request for mortgage assistance application. A representative from Bayview called our firm to disclose the terms of the offered modification on XX/XX/2016. During said phone call, the Bayview representative stated the interest rate would be fixed at 2 % for the first 5 years and then it would increase each year until it reached 3.375 % at which point it would remain fixed at that rate for the remainder of the loan term. Our clients accepted the modification offer and began making payments as directed under the trial agreement. Then in XX/XX/2016, Bayview sent our clients the final modification agreement to be executed and returned. Even though Bayview had previously laid out the terms of the modification, the final agreement contained a substantially different material term. More specifically, the final agreement stated our clients ' interest rate would increase up to 4.125 % instead of the 3.375 % previously agreed upon. Given the large balance of our clients ' loan, this seemingly small difference results in an additional {$200000.00} in interest that will be due and owed by our clients. Our clients accepted the modification offer based on the terms as specified on XX/XX/2016 and now they are being forced to continue with the improperly changed terms due to the fear of losing their home. In addition to the improper change of max interest rate, Bayview has also imposed illegal or otherwise improper fees on our clients ' mortgage account that are explicitly prohibited pursuant to the terms of the modification agreement. The final agreement includes the following provision : " Borrower and Lender agree that if there is a pending foreclosure action that results in a voluntary dismissal as a result of a modification or a similar settlement between Borrower and Lender then Borrower and Lender will each pay for their respective attorney fees and costs and neither party will be responsible for the other parties attorneys fees and costs. '' Despite the foregoing, Bayview has tried to collect numerous foreclosure fees and costs in violation of said provision. Bayview has imposed almost {$10000.00} in foreclosure attorney fees and costs since the modification has become effective. Moreover, Bayview imposed more than {$20000.00} in foreclosure fees and costs on the borrowers that were added into the modified principal balance of the mortgage loan. Since the foreclosure action was voluntarily dismissed, our clients are not responsible for any of Bayview 's or the lender 's attorneys fees or costs.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Downers Grove, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Sacramento, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

S San Fran, CA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

East Rockaway, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Greenville, SC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Broomfield, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Deerfield Bch, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Burien, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Jupiter, FL

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: Attempted to Foreclose on Property without proper documentation. Using a Shell Company to attempt to Cover-up the False Documents.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

OH

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Bayview Lending is sending threatening notices to foreclose and certified mail to XXXX XXXX on XXXX loans. She is not on the note or mortgage on any of the loans.
Company Response: Closed with explanation

Disputed: No Timely Response