BAYVIEW LOAN SERVICING, LLC

2016-10-20

Eldorado, WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Bonnet Shores, RI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-18

Loehmanns Plaza, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

South Florida, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Dear Customer Service Representative, I need your help. I am a XXXX XXXX Veteran. I would like to keep my home. I would like to refinance my home mortgage with a VA loan. I have already received a Certificate of Eligibility from the U.S. Veterans Administration. My home loan was initially financed by XXXX. They sold my mortgage to Bayview Loan Servicing , LLC . I have had a lot of problems dealing with Bayview Loan Servicing , LLC . In my opinion, I believe that I am being discriminated against because I am a XXXX Veteran. I was recently admitted into the XXXX XXXX due to XXXX. I am not sure if they dealing in bad faith or if they totally incompetent. My foreclosure trial is XXXX XXXX, 2016. I desperately need your help. I have been contacting Bayview Loan Servicing , LLC . by phone, email, and express mail since XXXX of 2016. In XXXX of 2016, I sent them an updated Request for Mortgage Assistance via, fax, e-mail, and express UPS mail. They have NOT acknowledged receiving it. In fact, I have evidence that they have NOT READ and ERASED my e-mail on at least 3 occasions. I also have evidence that they purposely provided me with the INCORRECT mailing address on at least 15 occasions in less than 3 months. I am not sure if they dealing in bad faith or if they totally incompetent. The contact information for my new mortgage owner and servicer is as follows : Bayview Loan Service, LLC., Loan # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , FL XXXX XXXX and XXXX ; XXXXXXXXXXXX and XXXXXXXXXXXX. My contact information is : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, CELL : XXXX and e-mail : XXXXXXXXXXXX. In summary, I would like to keep my home. I would like to refinance my home with a VA loan. I need for Bayview Loan Servicing , LLC to treat me fairly. I will appreciate ANY assistance that you could give me. My foreclosure trial is XXXX XXXX, 2016. Thank you. Very respectfully, XXXX XXXX, XXXX. XXXX Veteran XXXXXXXXXXXX XXXX : XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

Polson, MT

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Fort Pierce, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Bayview Loan Servicing is applying an additional fee that states " Recoverable Corporate Advances '' to my Mortgage payment before the grace periods has expired. I was never advised of this information and why is there an additional fee applied to the payment that is received on or before the grace periods has expired. I was advised during the modification of my loan that my payment needed to be received on or before the XXXX of the month.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Newark, NJ

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

N Valley Stream, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Brick, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Foothill Ranch, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Our new loan servicer has arbitrarily altered the terms of our HAMP Loan Modification by failing to accurately report our deferred interest which is a fundamental part of the written contract between us and our prior loan owner XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-09

San Jacinto, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am behind on my mortgage due to XXXX XXXX XXXX and it 's complications. I have been awarded Social Security XXXX, and have notified my lender of such. I am working with XXXX XXXX XXXX at Bayview Loan Servicing , LLC and he is aware of this. He and I are going to work with Keep Your Home California to modify my loan AS SOON AS XXXX PAYMENTS START XXXX/XXXX/2016. I have repeatedly offered to send XXXX XXXX copies of my Award Letter showing that my payments start on XXXX XXXX, 2016. He has refused, saying that he can only use a bank statement showing my first deposit. In the meantime, Bayview has started foreclosure proceedings through XXXX XXXX. I called XXXX XXXX and he said they were " just doing their due diligence, not to worry ''. In the meantime, I called XXXX XXXX and was told that XXXX XXXX gave me the wrong information. They said XXXX XXXX should talk to his legal department to have them rescind the foreclosure. I called XXXX XXXX and asked him to speak with his legal department and he refused, saying that " Everyone has a story, I ca n't call them on each and every case ''. I again asked to fax him the XXXX paperwork showing my award and first pay date. He flatly refused to accept them. Fortunately, XXXX XXXX has stated that each call is on a recorded line. I also recorded our last conversation on my end, in case his recordings get lost. I am also attaching a letter that I am faxing to XXXX XXXX. They told me they would send it on to Bayview Loan Servicing , LLC
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-07

Baldwin, NY

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Bartlett, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Occoquan, VA

Disclosure verification of debt

Debt collection: Mortgage

Right to dispute notice not received
Complaint: On XXXX/XXXX/2016 Bayview Loan Servicing became my new mortgage servicer. On XXXX XXXX, 2016, I received a welcoming package from same company that did NOT include a debt validation notice, as I understand is required by law under the FDCPA. I 've checked the front and back of the documents, which I have attached.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

Fred, VA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-03

Carmel, NJ

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-01

Des Plaines, IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: In XXXX XXXX I filed ChXXXX bankruptcy due to student loans that were in default due to my wife 's XXXX. In XXXX XXXX, my mortgage loan servicer ( XXXX XXXX XXXX ) sold my mortgage to Bayview Loan Servicing. I went on Bayview 's website to sign up for online access in order to keep track of how my monthly mortgage payments were distributed. Due to the fact that I am currently under ChXXXX bankruptcy " protection '' I was unable to create an online account with Bayview. I telephoned Bayview 's customer service number and the person I spoke with said that I could fax in my request for a payment breakdown. I told her that I did not have a fax machine nor did I have access to XXXX. She then stated that I could call customer service to obtain the information. Since my payments to Bayview did not begin until XXXX XXXX, I waited until after I had made the XXXX XXXX and XXXX XXXX payments before I called to obtain the payment breakdown for those XXXX payments I received the information and recorded it for my personal records. The next time I called Bayview I was told that due to the fact that I was under bankruptcy protection only my attorney could request the information. I expressed my surprise at that statement, and said that the last time I called I received the information that I requested. To that the Bayview customer service person said that was a mistake, and that only my attorney could request a payment breakdown. I contacted my attorney and relayed this information to him. His response was that such a request was not covered by the fee I was paying him, but that his office would write a letter requesting the information for a fee of {$170.00}. Since I am not able to afford that amount, my attorney sent ( via email ) a sample letter indicating exactly how the request needed to be worded. On XXXX XXXX, XXXX I sent via certified mail ( return receipt ) a " Qualified Written Information Request Pursuant to XXXX XXXX XXXX & XXXX CFR XXXX '' requesting a payment breakdown from XXXX, XXXX through XXXX XXXX, XXXX. The certified letter was received and signed for by Bayview Loan Servicing on XXXX XXXX, XXXX. I received a letter from Bayview dated XXXX XXXX, XXXX denying my request due to the fact that my loan is in an active ChXXXX bankruptcy and that I am currently being represented by counsel. The letter further stated that only my attorney can request this information. I can not afford to pay my attorney {$170.00} to write the exact same letter that I have written, sent and has been received by Bayview. From what I have learned from my research of XXXX XXXX XXXX & XXXX XXXX XXXX, Bayview is legally obligated to provide ME with the information that I have requested. Since receiving the denial letter from Bayview ( dated XXXX XXXX, XXXX ), I have received XXXX ( XXXX ) identically worded letters from Bayview ( XXXX dated XXXX XXXX, XXXX XXXX indicating that " Our records indicate that XXXX or more payments are now outstanding ... '' My bank records indicated that my payments to Bayview have been paid and have cleared my bank account on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I am now paying 60 % of my monthly take home pay just to cover my mortgage payment. I have a mortgage agreement that states that I have a 15 day grace period in order to pay my mortgage payment. Therefore, I do NOT have any outstanding payment ( s ) with Bayview. It is my feeling these letters are Bayview 's way of " getting back '' at me for my qualified request for information. I have researched Bayview and they are not XXXX accredited, and have an ongoing complaint with the XXXX in regard to their shoddy business practices. I am concerned that Bayview will continue to claim that my payment ( s ) are " outstanding '', and will begin foreclosure proceedings against me ; as they have done to others based on the complaints lodged against Bayview with the XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

Buffalo, MN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

Simi Valley, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I ( co-borrower ) am currently applying for a modification with Bayview Loan Servicing. My file was under review, until I was notified by the underwriter that I must remove the primary borrower ( quit claim deed ) in order to proceed with my modification request. This to me seems to be unethical, that in order to continue the review for a modification my wife must relinquish her rights to the property per the hardship. Our current hardship is that we have legally separated. We both agreed to work on resolving the mortgage issue as we are both responsible for the loan. We have provided proof to our servicer that my wife ( borrower ) is not contributing to the household income. Yet this did not satisfy the servicer. The servicer is now requesting the removal of my wife from title, through a quit claim deed, so that my file remains under review. Please help us to determine if in fact this is truly a requirement for a modification review.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Columbus, OH

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: For a period of time, my mortgage was underwritten by Wells-Fargo ( because mortgages are allowed to be bought and sold freely with no input from the customer ). How do I know if I am one of the people who has been wronged in this fiasco? Will Wells Fargo be forced to somehow publish the names of its victims so we can look ourselves up? The action of Well Fargo is likely to have damaged the credit ratings of many, many people. Today credit ratings are vital to most every aspect of a person 's life, since they are used as the basis not only judge whether you can receive a particular mortgage or car loan, but they are used to approve rental applications, financial aid for education opportunities, and to determine employability by many employers. Something must be done to restore the proper credit rating standing of these people. What can I do to find out whether Wells Fargo 's action affected my credit rating and how can I fix that damage? I know that Wells-Fargo has been cited and fined for defrauding the public, but I am asking that you also pursue them for each and every case of *identity theft* in which their staff engaged when using the names of customers to open accounts without the customers ' knowledge. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-24

Arroyo Grande, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-24

Stkn, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response