Consumer complaint received 2019-07-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Stop the Sale ) of my home on XX/XX/XXXX place a ( retainer ) on my account for my home and that your company correct your mistakes reinstate my regular modification.The sale of my home would have been illegal done By Bayview!! Because I have been contacting your company on numerous occasions to get my mortgage intact also for your company to fully reinstate my modification to correct amount of {$380.00} my regular payment on my documents before paying up my loan back In XX/XX/XXXX. Your company was given a total of {$7100.00} after being told by Bayview. Which was agreed upon after, all was layout that starting XX/XX/XXXX my regular payment and modification was reinstated back to {$380.00} because my mortgage was on track. But soon as the payment statement came Bayview came with a bogus layout saying I needed to pay XX/XX/XXXX {$91000.00} principal {$100.00}, Interest {$120.00}, Escrow taxes {$150.00}, Regular payment {$380.00}, Total Fees & Charges, Unpaid Past Payments {$530.00} total {$910.00} fraudulent fees coming from Bayview because all late fees & past due was included in the {$7100.00} bringing my account current as of XX/XX/XXXX and that I start paying my regular payment in XX/XX/XXXX which was actually agreed on start paying XXXX XXXX.This is all documented on record I feel like my home and account is being targeted in a form of retaliation/discrimination because after talking to Mr. XXXX on XX/XX/XXXX could not even explained why the {$91000.00} amount came from along with a young lady he transferred to right after telling him my problem with my account. Talking to Mrs. XXXX XXXX the same day she could not give me a reason for the payment and promised someone would call me back which I never received a call about the payment I feel fraudulent on your company behalf. She claimed at the time {$1700.00} which was bogus XXXX XXXX XXXX then she claimed a bad checks was why my mortgage was that amount and that lies because all that was included in the payment {$7100.00}. Then Mrs. XXXX XXXX XXXX claimed it came from XX/XX/XXXX bad checks and that is a lie I never sent bad checks and also all my fees was paid in the amount {$7100.00} XX/XX/XXXX. Feel like Bayview Loan been illegal applying false fees to people account then illegally taking homes that is very bad illegal practices. Not aware I recorded the conversation on XX/XX/XXXX XXXX ( call time 26:21 min ) with Mr. XXXX & Mrs. XXXX XXXX unaware I recorded my conversation with them for my own protection also so this can be handled legally because I was told long as I am involved in the recording it was legal. I been contacting them since that fraudulent amount was applied to my account. 

*****As of XXXX XXXX I obtained proof from Bayview Loan Servicing site they have been stealing form me possibly others as well. The attorney fees and foreclosures fees actually was {$390.00} and {$530.00} they stolen around close to {$3000.00} dollars form me. 


Late Fees accumulated because of your Company Deceptive Practice & False Records For Obtaining Extra Money XX/XX/XXXX payment {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$380.00} Total {$3800.00} Late Fees {$250.00} Atty fees {$530.00} Foreclosure fees {$390.00} Full Total {$4700.00} Bayview stole nearly XXXX form me Bayview took {$7100.00} dollars from me lying about the attorney fees and foreclosures fees amount when they knew that I was XXXX  form my daughters XXXX XXXX and my home flooding which XXXX fail to help even though they was fully aware that XXXX XXXX my home builder placed defective shingles on my roof called XXXX which I got the name from the guy helped build my home! BAYVIEW FRAUDULENT PLACED MY HOME ON FORECLOSURE AND FORCED ME TO FILED BANKRUPTCY TO SAVE MY HOME KNOWING THEY HAD STOLEN {$2100.00} OF MY MONEY Back in XX/XX/XXXX I paid over {$7100.00} for and amount in which I only owed for 6 months due to reinstate my actual modification of {$380.00}. Bayview has been giving me the round around starting back in XX/XX/XXXX all the way up to now XXXX XXXX speaking with Mr. XXXX ( XXXX ( call time 13:37 min ) which he was rude and behaving XXXX thas myself he was talking to someone else while talking to me this was recorded as well.BAYVIEW IS THE REASON FOR MY HOME BEING UNDER FORECLOSURE REFUSING TO CORRECT MY ACCOUNT AND STOP APPLYING FALSE AMOUNTS TO MY ACCOUNT IN WHICH I DO NOT OWE!! 



Message : Improper Default Notices : Deliberately creating a technical default or wrongfully declaring a default in order to generate fees and penalties or acquire the property ; Improper Foreclosures : Improperly foreclosing a mortgage or a security agreement without giving proper notice or following proper legal procedures ; Improper Guarantee Enforcement : Improperly enforcing personal guarantees ; Improper Acceleration : Improperly accelerating future provisions and enforcement of cross default provisions often found in loan documents ; Wrongful Interference : Wrongfully interfering with a borrowers day-to-day activities or the borrowers contractual relations with third parties ; dealing with my insurance you people stolen 5 months of my money which would have paid my mortgage up until XX/XX/XXXX. meaning i only owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX! I AM REQUESTING YOU PEOPLE GET THIS STRAIGHTEN OUT BEFORE I GO GET A PAID FOR ATTORNEY AND SUE FOR THE MENTAL ANGUISH YOU PEOPLE CAUSED ME WITH TAKING FROM ME WHILE I WAS DEALING WITH FULL XXXX DEALING WITH MY DAUGHTER 'S XXXX XXXX  WHICH YOUR COMPANY WAS FULLY AWARE OF AND PAY MY BACK FEES FOR OBTAINING A BANKRUPTCY ATTORNEY WHEN MY TIME WAS NOT UP WHEN I SENT DOCUMENTS FOR A RE-MODIFICATION IN XXXX WHEN I THINK IT WAS MY PAPERWORK MR XXXX TOLD ME I WAS TO LATE WITH SUBMITTING. I AM SICKEN WITH DISCUSS HOW A COMPANY COULD TAKE ADVANTAGE OF PEOPLE KNOWING IT IS WRONG

Company response to consumer: Closed with explanation