Consumer complaint received 2019-09-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi I need to change my insurace co. Please, email me the necessary documents so I can have insurance with XXXX. That insurance does not pay. My house is destroeyed, and nobody care. 
Bayview bought the mortgage from XXXX XXXX XXXX XXXX but they want from me XXXX dollars, how can I pay such amount, the apprise of the house is XXXX SirAbout 7 months ago my house in XXXX XXXX XXXX XXXX, XXXX, Florida XXXX was invaded by people, they put 10 dogs in the house and misused my house and trespassed my house. I called Sheriff a deputy came and said, they invaded your house, but they were not at house at that time and only the dogs were there, and he said I have to call animal rescue and they can move the dogs. I called them, but they did not come. They said sheriff should first send the people and then they can come and take the dogs, I waited there until the people came, I called sheriff and some deputies came, but the people said they rented the house and the deputies did not ask them for documents and only the words were documents and the deputies have gone, now they were encourage to destroy the house as they thought sheriff can not send them out. I went to the court and the court people told me, as they invaded the house and tress passed the house the sheriff should send them out, again I called sheriff and the deputies came and this time they said, the court should give us permission to send them out. And they told me I have to go to the court again. The game between sheriff and court took months until, my previous tenant hired an attorney and he guide or forced the sheriff to send them out. But they destroyed the house with their 10 dogs, now it is over 3 months that they have gone and the sheriff do not send the paperwork to the state attorney. The contractor estimates they damaged the house over 150,000 dollars and I have to pay this money. It is over three months that insurance company play a game and do not pay. The contractor said that they have enough documents to start the work, and the Bayview people do not contact the contractor to listen to their explanation. Because their house is not destroyed and they do not suffer, and do not take any serious action, sheriff house is not invaded and destroyed so they do not take any fast and serious  action too, it is fine for them, I have to pay and am responsible to pay on time and if I do not I have to pay fine and late fee, but the system does not care that my house is destroyed by people and invaders and the 10 dogs damaged doors, floor and electric system in the house. It is fine and I have to pay? How can I pay, I worked 45 years as a XXXX and XXXX XXXX XXXX and with my small retirement money how can I pay all these costs? I can not print money and pay? How can I pay in the time that my house is invaded and destroyed by people and their dogs? Imagine if your house were invaded by people and their 10 dogs and you could not go there for 7 months and you could not live there for more than 7 months, which condition you were in, is it fine? I have a lot of paperwork from insurance, but they do not pay any money, how can I repair all these water damage, and other damages? Here is the letter I wrote to the Bay view, they kept the check from the insurance company and want some documents from contractor, and contractor says that he has enough paperwork and documents to work. And Bay view do not contact the contractor even I gave them the telephone number, the problem is that all of them are fine, I am the only one who his house is invaded and  destroyed and for them it is fine? 
Dear Bay view company It is over 3 months that we are plying the game of insurance. My house is destroyed and totally damaged and I am busy with paperwork. The contractor said yesterday that he has license for repairing and remodeling and not for building a house from foundation and my house need to be repaired from the invading people and damaging operated by 10 dogs and water damages, I do not want to build a new house. I asked them to explain for you the situation and I hope that the game will be finished. I am the only one who his house is destroyed and damaged and must suffer, I am responsible to pay one time and if I dont, I have to pay late fee and extra interest, but the other side play with my time and energy, because the contractor said, what he had insurance and license is enough for repairing and you did not call him and speak with him, I gave his telephone number and asked you to call him, because if he call, he can not speak with you as a lot of robot are between you and him. Please, do something, imagine if your house was destroyed by invasion of people and 10 dogs and damaged totally by them and water and you were after paperwork for over 3 months, what would you feel? I pay taxes and insurance but as my house was invaded by dogs and people, I have to pay attorney to force the sheriff to do their job. Because, sheriff house was not invaded and destroyed. It was fine for them as my house was invaded and destroyed? I hope the game will be finished soon. Please, call the contractor his number is XXXX and his name is XXXX. The other matter I want to change my insurance company to state farm, please send me the paperwork so that I can change the insurance company. Please have in mind that I am the only one who his house is destroyed and suffering, the rest people are fine. And I am the person who should pay mortgage and taxes and insurance on time, if not will be fined and have to pay more. Yours XXXX XXXX________________________________________

Company response to consumer: Closed with explanation