Consumer complaint received 2019-07-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in the middle of a repayment Flex plan with my mortgage servicer XXXX XXXX XXXX XXXX. The repayment plan is uploaded with this complaint. I have made the first two payments as required on the plan and would like to make the third ; however, I can not because my new loan servicer as of XX/XX/XXXX, Bayview Loan Servicing, has placed my loan with them in Active Foreclosure and they will not honor my current repayment plan. 

On XX/XX/XXXX, my home mortgage servicer, XXXX XXXX  XXXX XXXX transferred my home loan to Bayview Loan Servicing. On XX/XX/XXXX Bayview Loan Servicing sent me a letter claiming I owe them {$350000.00} immediately, and if the full payment is not received in 30 days, they will obtain a judgment for the full amount of the mortgage against me ( this letter is uploaded w/ the complaint ). The amount due immediately is over {$10000.00} more than my most recent XXXX XXXX monthly bill indicates as principal balance due : {$340000.00}. There is no explanation from Bayview as to why another $ XXXX has been tagged onto my loan. 

I received the XX/XX/XXXX letter from Bayview on XX/XX/XXXX, at which time I promptly called Bayview to inquire why my loan is in collections when I was in a repayment plan with XXXX XXXX  that was supposed to transfer over to Bayview. I first spoke with Bayview XXXX XXXX on XX/XX/XXXX. XXXX didn't even have a current phone number or email for me, so XXXX XXXX provided him with old data. XXXX stated that the paperwork from XXXX XXXX  is a mess so it's taking some time to sort things out. If that was the case, then Bayview should not have jumped to placing my loan in Active Foreclosure, which I discovered nextt on XXXX XXXX, while speaking with Bayview loans asset XXXX, XXXX XXXX. XXXX informed me my loan had been placed in Active Foreclosure with Bayview on XX/XX/XXXX, unbeknownst to me. I asked XXXX if she could contact XXXX XXXX to obtain the missing repayment plan for my file so things could get corrected and I wouldn't be in danger of foreclosure. XXXX said she can not do that. That I would need to do that and then send Bayview a copy of the agreement I had with XXXX XXXX  to Bayview 's email : XXXX. My conversation w/ XXXX was at XXXX XXXX. I called again to speak with someone who would be more helpful than XXXX, and ended up with XXXX on XX/XX/XXXX XXXX XXXX. XXXX advised me to file for a new workout plan or hardship with my new servicer since Bayview would not be able to honor my existing repayment plan with XXXX XXXX. XXXX added that is all I can do at this point if I wish to try to avoid foreclosure. 

On Saturday, XX/XX/XXXX, I received a letter from Bayview Loan Servicing 's attorney 's office stating my home is being foreclosed ( this letter is uploaded as well ). I immediately called on XX/XX/XXXX Bayview and spoke with XXXX at XXXX XXXX. XXXX consulted w/ her supervisor, and again, said I would need to re-file for a workout plan with BAyview because Bayview would not contact XXXX XXXX  to procure the existing repayment agreement. 

I have emailed my written repayment agreement with XXXX XXXX   directly to Bayview three times now. They still claim as of today that they have not received it. I spoke with XXXX on XX/XX/XXXX. I sent over the repayment agreement again, at XXXX XXXX. 

Because Bayview and XXXX XXXX  refuse to communicate with each other regarding the transfer of my loan, my loan has gone from an active repayment plan that I was current on and had paid {$8100.00} toward, to a loan in active foreclosure that I can not make a single payment on. And, now the letter from Bayview 's attorney 's office has increased my mortgage amount yet again, probably to include their fees which should not even be happening in the first place, to {$350000.00}.

Company response to consumer: Closed with explanation