BAYVIEW LOAN SERVICING, LLC

2015-06-12

Wichita, KS

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In XX/XX/XXXX, I lost my job and was unable to keep up with mortgage payments. Upon contacting Bayview Loan Servicing and informing them that I may have a hard time making full payments they suggested I make an application for the loan modification program. I submitted the application in XX/XX/XXXX for same. After having submitted XXXX complete loan modifications to Bayview Loan Servicing and receiving some excuse or delay from them each time, it became apparent to me that they were not going to help me but instead actually put me in deeper financial trouble. I purchased the home in XX/XX/XXXX paying {$68000.00} for the property. Bayview now informs me that the payoff is in excess of {$74000.00} and they want the property.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-11

Tucson, AZ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: On XXXX XXXX, 2015 I reached out to my Congressman. I am currently XXXX, unable to work, and has a XXXX year old daughter. I am under tremendous stress, and receiving XXXX for my illnesses. As a result he was unable to keep up with my mortgage, and my home entered into foreclosure. I needed assistance to postpone a trustee sale on my family 's home. I have been working with a HUD housing counselor, gathering the necessary documents he needed to apply for XXXX ( XXXX ), XXXX program. The request was made to Bayview Loan Servicing for an extension, in order to give me enough time to submit the required documents, submit my application, and receive a tentative approval from XXXX. On XXXX XXXX, 2015 after sending a request to Bayview Loan Servicing to give XXXX XXXX more time, the Congressman 's office received a response concerning the case. The response stated a new sale date of XXXX XXXX, 2015. However on XXXX XXXX, 2015 I was notified his home was sold on XXXX XXXX, 2015. That same day my Congressman 's office spoke to XXXX XXXX of Bayview Servicing and confirmed that the home sold. A supervisor had agreed to contact their office that day but that has yet to happen.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-11

Tucson, AZ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-11

Cocoa, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We sold our primary residence XXXX 2010. At the time of that sale, we executed a Restated Note for {$35000.00} in order to facilitate a short sale since that was required by Bayview Loan Servicing in order to sell our the home - they gave us no other choice. The sale of our primary residence was due to my relocation from XXXX to XXXX for work. Payments were to commence XXXX XXXX, 2010 for {$190.00} pursuant to the Note. I have an email dated XXXX XXXX, 2010 from XXXX XXXX, Residential Asset Manager for Bayview Loan Servicing- she directed us to send our payments to her attention at the address below:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXFor six months ( from XXXX 2010 through XXXX 2010 ) - we made the payment of {$190.00} and mailed it to the above address to her attention. NOT XXXX CHECK WAS EVER CASHED BY BAYVIEW LOAN SERVICING. Since I use online banking - my bank make all payments, they can verify that they cut the checks, mailed them to the address above and not XXXX check cleared. Due to the checks not clearing, I left several voice messages for XXXX XXXX in 2010 at the number she provided on her email signature - all with no response. In addition to no check ever being cashed and no response from the only Bayview Loan Servicing contact we had - we have NEVER received any correspondence whatsoever from Bayview Loan Servicing since XXXX XXXX 's email response to my inquiry as to where to send the payments - dated XXXX XXXX, 2010. There has NOT been XXXX letter, XXXX email, or XXXX phone call from Bayview Loan Servicing in over 5 years. No payment was ever cashed and there was no response to all the inquires we made to the Bayview Loan Servicing representative we were given. We did not know what to do - or where to send payments. Last week ... FIVE years after absolutely NO communication from Bayview Loan Servicing - I pulled my credit report only to find that Bayview Loan Servicing decided to start reporting this obligation last month and is showing it as delinquent. Five years - no communication from Bayview Loan Servicing - but arbitrarily decided to start negative reporting to the bureaus last month. In summary, we attempted to honor the obligation we made five years ago - but Bayview Loan Servicing did not. This obligation was completely ignored by Bayview Loan Servicing for almost five years ... payments never cashed, phone calls never returned and no communication in any manner from Bayview Loan Servicing was made to collect on this debt. Now Bayview Loan Servicing, in an attempt to collect on a debt that we attempted to pay over five years ago is using abusive tactics by reporting negative information to the credit bureaus. I have called Bayview several times and am getting nowhere - nobody can help me and they insist all they can do is review my " claim '' via fax or email. I have sent several letters. My credit is ruined now and I can not get anyone to discuss this matter with me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-10

Brentwood, TN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-10

Stafford, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-10

Foothill Ranch, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX XXXX sold My loan to Bayview servicing company 3 months ago. I did call them and requested information regarding assuming the loan since it was under me and my Ex-husband name. They send me the documentation stating that if I decide to assume the loan the charges will be {$8000.00}. I did not fill out the application to send it in to this day. I have received XXXX statements from them that XXXX of them having {$8000.00} as passed due amount added to my mortgage. I have not even fill out the application yet and they are saying that I owe them for services that they did not even provide but I am late on the payment. This is a fraud/scam. The statements saying that I am late for in the this amount and not stating what it is for after being on the phone with them XXXX hours they said the charges will stay there as being late.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

Manteca, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

La Honda, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: MY SERVICER, BAYVIEW LOAN SERVICING LLC, HAS BEEN PROCESSING A SHORT SALE TRANSACTION. I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. BAYVIEW 'S APPROVAL PROCESS ON THIS REQUEST IS EXTRAORDINARILY LONG. BAYVIEW INDICATED THAT THE TRANSACTION IS TAKING TOO LONG ( BECAUSE OF BAYVIEW 'S DELAYS ). BAYVIEW HAS SET A FORECLOSURE SALE FOR XXXX XXXX, 2015. I HAD MADE A REQUEST FOR POSTPONEMENT. A CALL WAS MADE YESTERDAY TO CHECK ON THE STATUS OF THE REQUEST FOR POSTPONEMENT. XXXX AT EXTENSION XXXX INDICATED THAT SHE DID NOT HAVE INFORMATION ON THE FORECLOSURE SALE AND NO ONE IS AVAILABLE TO PROVIDE THAT INFORMATION.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Navasota, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-08

Baton Rouge, LA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

E Templeton, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Chap XXXX bankruptcy discharged XXXX XXXX, ( home was included ). XXXX XXXX sells loan to Bayview. XXXX home mod attempted but not taken by home owner. XXXX XXXX foreclosure re-started, XXXX auction was cancelled. Not rescheduled. Neither Bayview or their lawyers will respond to emails about when or if the auction will be rescheduled. XXXX years after bankruptcy and XXXX years last mortgage payment still no resolution, although they continue to pay the taxes and house ins on the property.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

VA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: As of XXXX 2015 my mortgage had been administered by Bayview Loan Servicing and previously it was XXXX Mortgage. From the very beginning I have had difficulties getting my payment issues resolved with them. After several attempts to pay my mortgage, I finally was able to make a payment in XXXX. I set my payments for automatic draft in XXXX with Bayview and requested an extra amount to withdrawn from my checking account to pay down the principle. Bayview sent me a letter showing that they had received my request and that they would begin withdrawing from my account the larger payment. My goal is to pay down my loan as this is an interest only loan. I noticed immediately that they were only taking out my minimum due and not the extra amount as requested and they had acknowledged in writing that this would take place. XXXX months later XXXX XXXX of 2015 ) and several calls later, I finally was able to speak with a manager to request that this be corrected. Prior to this I made several phone calls per month with the same response - " We will have a manager call you to correct the matter '' only to never receive a call. I have wasted a lot of time on the phone trying to get this resolved and they currently are telling me that it will be correct for my XXXX payment. This is what I have been told for the past XXXX months so obviously I have my doubts. My biggest issue is the half of year that I missed out on to make extra payments. I tried several times to pay extra online, but it would only allow me to pay my interest on the loan and nothing more. Bayview is a terrible servicing agency and is creating issues for their customers and needs to be held accountable.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

MO

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We paid-off our mortgage on XXXX XXXX of this year. Our former lender ( Bayview Loan Servicing ) acknowledges that they received funds on XXXX XXXX. We called this evening ( XXXX XXXX ) to inquire about refunding the balance remaining in our escrow account. They informed us that it is their policy to wait 30 days before processing the refund.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-05

Flushing, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Flushing, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Dix Hills, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-04

Claremont, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Bohemia, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage company increased my mortgage payment by approximately {$250.00} but could not justify the amount when questioned. When I calculated the increase from XXXX of my escrow it was a {$400.00} difference, which is approximately a {$34.00} difference per month. Bayview confirmed this over the phone yet still charged me {$250.00} more per month in escrow. Every time I called they refused to give me a supervisor or the name of a supervisor and continued to tell me that I could dispute the amount even though their documentation did not support their claim. I requested documentation and they did not fulfill that request. They stated that they had tax bills to support the amount but when I requested a copy of them they did not have them. You can not give someone a bill without supporting documentation. The disturbing piece is their customer service department supported their flimsy, weak statements and believed they were right. I am shopping for a new company. If your loan is sold here I strongly advise you to find a new servicer because they will take everything from you if you are not paying attention and they do not resolve issues, nor do they provide any form of customer service. Their only actions are to steal form unsuspecting customers.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-03

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX/XXXX/2015 I made XXXX payments of {$3700.00} to Bayview Loan Servicing. XXXX was my XXXX monthly payment, the other was to be applied to principal. When I called Bayview customer service advised me that payment would not be applied to principal but would be applied as my XXXX, 2015 payment. I refinanced my mortgage and changed servicers before the XXXX payment was due. The refinance closed on XXXX/XXXX/2015, the escrow company wired the full payoff amount to Bayview on XXXX/XXXX/2015. The amount wired was {$470000.00}, as per the payoff quote sent by Bayview. Bayview did not process that wire until XXXX/XXXX/2015. Per Bayview 's own activity statement the principal portion of the XXXX payment was applied to the loan balance on XXXX/XXXX/2015. The interest portion was not applied to the loan balance, it is being held in suspense. The payoff amount requested by Bayview excluded the interest portion of the second payment. I expect Bayview to refund me the interest portion of that extra payment, but as of today they have not. I waited XXXX days after paying off Bayview for the interest to be refunded. I have made numerous phone calls to Bayview. On XXXX/XXXX/2015, I faxed a written request to a manager named XXXX : fax XXXX. I called the following week, spoke to an agent who confirmed that the fax was received. The agent advised me that it could take up to XXXX days to resolve the issue, but to follow up because these issues are normally resolved much faster. On XXXX/XXXX/2015 I called again, spoke to another agent who said that there was no case being worked on at all. The agent advised me to email a copy of the fax I 'd sent on XXXX XXXX to XXXXXXXXXXXX, which I did. As you can see by the attached documentation, I am due the {$2000.00} that was never applied to my loan balance. Bayview has kept these funds for over XXXX days and has yet to acknowledge my repeated requests. I need the help of CFPB as I have tried in good faith to work directly with Bayview and have yet to receive a refund.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

CO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On each of the mortgage statements from Bayview Loan Servicing for XXXX, XXXX, and XXXX 2015 is an added {$75.00} charge. The line in Account Information says " XXXX XXXX XXXX. '' The XXXX statement has a line in Transaction Activity for XXXX/XXXX/15 that says, " Miscellaneous foreclosure, Bankruptcy and XXXX Expense Disbursement. '' The other XXXX statements show no payout activity related to the charges. We are not in foreclosure or bankruptcy and our house is not a XXXX property. Therefore the charges are inappropriate. In addition, as of XXXX XXXX, 2015 Bayview is no longer including our outstanding balance on their statements, thereby denying us the ability to identify or evaluate any charges or balances.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-02

Thompsons Station, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-02

Patterson, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX 2015 I received a letter from Bayview loan servicing saying that my escrow was short XXXX. I called in XXXX to ask about making the payment and the representative told me that I could make the payment over the phone and she would make sure that it was applied to my escrow account. On XXXX XXXX I received a statement saying that my new payment would be XXXX starting XXXX XXXX. I immediately called to ask what the increase was for and at that time the representative told me that I had a shortage in my escrow. I then explained to her that I paid it in XXXX and she researched and found that I did pay the shortage over the phone and that she would request for the funds to be transferred to the escrow account and I should call back in two business days. When I called back nothing had been done. The new payment amount was still reflecting and I had to explain again what happened and the representative assured me that this would be taking care of. I called back a week later to find that still nothing had been done. I was told they were running a new escrow anlyst but still nothing has been done about this shortage that I had paid already. I called on XXXX/XXXX/2015 and I was told that someone requested for the money to get put back in my escrow account but the request was stopped and she did n't know why. I called back yesterday to be told by the supervisor name XXXX that I never paid the shortage. She told me that the company gave me a corporate advance because I had not made the payment and I explained to her that I made the payment in XXXX. I asked her to please review all the notes on my account as I have been calling all month about this issue. She told me that the last notes she saw was about me complaining about the escrow. This company has yet to fix this issue even though I have been calling about this all month. The have charged me for return check fee 's and there was no check returned. I checked my credit report and they have already reported the new payment of XXXX without even fixing my issue. This seems to be a XXXX violation. There seems to be an unwillingness to fix this on Bayview 's end and now this will impact my credit but I did make the payment. Please help me fix this all if my efforts have been ignored by this company. The other bad issue is if I would not have quested the new payment amount I would have been paying for something that I already paid for. My mortgage is under my maiden name of XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-01

Tarzana, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Loan Servicers XXXX XXXX Bank and Bayview Loan Servicing XXXX did not provide adequate notice of loan changes and also misrepresented information in letters sent to us. XXXX XXXX Our loan was sold to XXXX XXXX and in the initial letter we were told to continue sending our payments to XXXX and same address. After sending payment a XXXX days later the payment was kicked back by XXXX. It was then we found out that Bayview was now servicing our loan. Bayview and XXXX both violated federal law by not notifying us in time of changes in our loan and payment information. XXXX XXXX Bayview Loan servicing did not provide the required XXXX day notice that our payment amount was changing due to the XXXX year ARM ending and rate reset. Also, another violation of federal law.
Company Response: Closed with explanation

Disputed: No Timely Response