BAYVIEW LOAN SERVICING, LLC

2015-04-16

Collierville, TN

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Houston, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Ft Lauderdale, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Portland, OR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I am a housing counselor working with a borrower who 's loan is serviced by Bayview. Bayview under charged about {$3300.00} for escrow in XX/XX/XXXX and the borrower elected to pay this amount in a lump sum in XX/XX/XXXX. However, Bayview continues to charge the borrower a mortgage payment including {$370.00} extra for the escrow repayment. Each time the borrower tried to contact Bayview to find out what happened to his payment, the system hangs up on him and he can not reach a representative. We called Bayview together using a desk number for a Loss Mitigation Representative that we had on file at our office ( because I also experienced the inability to reach a live person ). XXXX, the representative we spoke with, supposedly moved the funds.from a XXXX account where they had been mistakenly placed to the escrow account. However, the borrower continues to be charged the additional {$370.00} for escrow repayment. Each time that we contact Bayview we are unable to reach a representative through their customer service line and they give us the run around about the escrow account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Bull Valley, IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Key Biscayne, FL

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: There is someone by the name XXXX XXXX showing up and affecting my credit score.. I have contacted XXXX credit tracker to dispute the matter! i got a letter in the mail that said they had contacted the furnish vendor. its has already been 3 months and no action has taken place.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Cumberland, RI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-12

Hammond, IN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-11

CA

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Complaint: My mortgage is being serviced by Bayview. I 've been charged a " rec corp advance '' fee ( {$140.00} ) which I am told is due to a recent appraisal of my home. This is not on the national schedule of fees, I never agreed to it, and they have refused to take it off my bill. I 'd like it removed from my bill.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

New Rochelle, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

Mount Prospect, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-10

Hinsdale, IL

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Complaint: I have received calls from this number on my personal phone, and at my place of employment. The XXXX caller was a gentleman, and he would not give me his name or the name of the company he represents. He only said that he works with a locator service and he needed to verify my address so that I would n't miss a court day. He also wanted me to call a certain number. At that time I told him that I could not give him any information since he had n't given me enough details. He went on to tell me that a complaint had been filed against me and he gave me no specifics, and that he wanted to make sure I did n't miss a court date. He claimed that he 'd sent information to my home and it was returned. I have lived in the same home for about XXXX years, so I did n't believe him. Today I received a similar call, but this time a lady left a name. She also said that she was calling from a locator service. She said her name is XXXX XXXX, and she could be reached at XXXX XXXX XXXX XXXX, Ext. XXXX. The message she left said that a complaint had been filed against me, that I had been " serviced this morning '', and that she would be calling the human resources or risk management at my place of employment so that I can be served on site without incident. The work day is over and I have not been 'served '. She also called me at work today, and she called my employer as well. She also called a relative, and left a message. When I called the number left on the message, the recording said the name of the company is Bayview.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-08

Orange, MA

Disclosure verification of debt

Debt collection: Payday loan

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Atl, GA

Taking/threatening an illegal action

Debt collection: I do not know

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

East Orange, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

NC

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: My loan was transferred from XXXX XXXX Home Mortgage to Bayview Loan Servicing LLC on XXXX XXXX, 2013. When the loan was transferred I was working on a repayment agreement with XXXX XXXX. The repayment agreement was really XXXX that was not affordable, but I agreed to it in order to keep my home. After the loan went to Bayview Loan Servicing I 'd asked about a repayment plan that was a little more affordable and submitted letters explaining why the plan that I was on with XXXX XXXX was so difficult to make. Bayview offered a different plan, but it was still not affordable and the payments were not calculated correctly. I tried to explain this to my asset manager time and time again. I 'd made a payment of {$1500.00} back in XXXX 2013 and the payment was not posted correctly and caused my loan to appear as though it was further past due then it really was at the time. Bayview had force placed insurance on my loan and I provided necessary documents which proved there was no lapse in coverage. As a matter of fact, my mortgage included escrow for taxes and insurance, so I do n't know why this was ever a question. My balance on my loan has increased and I do n't really understand what happened. There was money in a suspense account that went toward late fees etc.. I told the asset manager that the money in suspense should have went toward my mortgage or at least ask me if I could put money with it to make a payment. I am showing XXXX payments past due on my mortgage, but not in foreclosure yet. I have paperwork to complete a loan modification and I will be submitting it to Bayview within the next week. I would like for you to investigate my payment history, force placed insurance and review terms for a loan modification.
Company Response: Closed with explanation

Disputed: No Untimely Response

2015-04-06

Newport Beach, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Bel Alton, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-04-06

Brown Deer, WI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Silver Spring, MD

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I was looking for someone to help me with my mortgage payments i was refered to a person who is a specialist. in home modifications, he asked me for. all the requirements and asked. me to pay him for his help,
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Good day, I am writing to you to complain about the treatment that I am receiving from my lender/servicer Bayview Loan Servicing. On XXXX XXXX, XXXX I applied for a short sale for my property with Bayview loan servicing, I sent in all my documents and an offer I had for my property to Bayview loan servicing, it was all forward to the person that was assigned to me to help with the process and answer any questions during the process, XXXX XXXX XXXX. By XXXX XXXX, XXXX XXXX XXXX XXXX contacted me and told me that he had started me on a home loan modification ( MOD ), because he did not have all the documents he needed and since I had mentioned to him that I would like to keep my home but did not want to suffer a foreclosure because they had a bad track record on approving MOD, and the courts had moved me to foreclosure sale in the middle of the case. XXXX XXXX XXXX assured me that I was a good candidate for a MOD and that he was very confident that I would be approved for a trial MOD and eventually, if all payments were made during the trial MOD I would be moved to a permanent loan modification. His words were very encouraging and I agreed to move to a loan modification, I filled out the paperwork requested from me from Bayview to move from short sale to MOD, ( changed section XXXX of the XXXX from wanting to sale my home to wanting to keep my home ) I provided all my income information, all information requested from Bayview was sent in in a timely manner. On XXXX XXXX, XXXX XXXX XXXX XXXX finally responded to my many phone voice mails and emails, to ask me about my schedule C earnings, I provided him with the information requested over the phone and also sent in paperwork regarding vacation rental income that they wanted me to omit from the profit loss they had requested, XXXX XXXX XXXX told me that he would explain everything to the underwriter and get back to me the next day. After a few days passed and I received another letter from Bayview requesting the same information, and no call back from XXXX XXXX, I started to call and leave messages for him on a daily basis, I also wrote at least XXXX emails to date, I have been reaching out to XXXX XXXX XXXX to explain to me why am I still receiving the same requests, and also if it is possible to reapply for the MOD if this underwriter denies me, as I have lost the buyer I had for my home by now. It is now XXXX XXXX, XXXX, I have not heard or received anything from XXXX XXXX XXXX, not a single word. I have written to him begging that he please get back to me so that I can have a clear understanding of what is going on and to elaborate on the information that he said he would discuss with Bayview, and I have heard nothing back from him to date. I have sent and called XXXX XXXX, emails and voicemail combined more than XXXX times, and not even a word. I have tried to call Bayview to see if I can get someone to actually help me with my concerns and questions, and every time I submit my loan number XXXX get transferred to XXXX XXXX and get his voice mail. I now have until XXXX XXXX, XXXX to resolve the MOD issues or my home will go to foreclosure sale, I no longer have the time to do a short sale, I lost the buyer I had and I much prefer to keep my home at this point. My income has improved enough for me to be able to pay this mortgage with just a little help from Bayview, however, it seems as they are stringing me along so that they can take my home and put me on the street, even though, the appraised value of my home is more than half of what I owe, it was explained to me by XXXX XXXX that the underwriter will grant a MOD if the numbers were better than what they can get in a short sale for the investors, I owe {$670000.00}. and the house was just appraised for {$340000.00} by Bayview. I am still trying to reach XXXX, and have not heard on word or email XXXX/XXXX/XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Gloucester City, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-03

Henderson, NV

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-03

Queens, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-03

Newcastle, WA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response