Consumer complaint received 2022-01-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
please see below email sent to Community Loan Servicing XXXX whom is may Concern, Attached is Documentation regarding recently transferred account XXXX. A physical copy has been mailed to XXXX XXXX XXXX who is the Assistant Vice President of Customer Relations. See attached photo of mailing. XXXX XXXX XXXX was in default due to not answering to my conditional acceptance. Now since Community Loan Servicing has entered the picture please go thru the attached documents. I prefer mail or email correspondence. I'm looking for detailed accounting of the transferred mortgage from XXXX XXXX XXXX as of XX/XX/2021. Also enclosed is a Copyright Notice. Please be advised that the use of my Copyright protected Property is at a cost of {$500000.00} per use. Thus far, I have received about 3 mailings which incurs a total of {$1.00} million dollars. Please be advised that I'm looking to resolve this matter with the remedy provided. If anyone reading this email doesn't know how to handle it. Please forward to the CFO. As a Certified Public Accountant, he/she will understand the laws relating to Negotiable Debt Instruments and the remedy of 18 USC 8 utiliizing XXXX accounts with federal member banks. As Secured Party, I am fully aware of my rights under the Uniform Commercial Code. You have 10 business days from the receipt of my certified mailing # XXXX, to respond point by point via notary in regards to the accounting of the alleged debt. I will be expecting a Discharge of Mortgage document. It appears that you may have unfinished business with XXXX XXXX XXXX, due to the mishandling of the account that was transferred ( sold ) to your Company. 
Thank you in advance! 
Please CC XXXX XXXX Assistant Vice President of Customer Relations. 


here is the second email sent to Community loan servicing : XX/XX/2021 Customer Relations Department Community Loan Servicing, LLC XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Loan Number : XXXX Deed of Trust Document # XXXX LEGAL NOTICE : Second Request for Verification of Debt and Proof of Claim Dear Community Loan Servicing, LLC., I refer to your response dated on XX/XX/2021, XXXX case number : XXXX. You did not answer my Conditional Acceptance for Verification of Debt and Proof of Claim Request point by point as required by law. I had requested that you provided proof of claim, MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE, and all assignments, together with the ORIGINAL WET INK Deed of Trust in XXXX XXXX. A photocopy of the security instrument is not a sufficient proof of claim as per U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ). Under this code, I am entitled to have the instrument presented to me as you are required to upkeep the legal document entrusted to you. 

You did not provide any proof to sufficiently satisfying your claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. 

As a matter of courtesy, I will further extend my request from this date for another 10 days for you to provide me with the proof of claim expiring 10 days after receipt of Certified Mail # XXXXYou are hereby given notice that failure to produce proof of claim after this courtesy means you will have exhausted your administrative process and no further claims can be made against me or my property. This is forfeiture will be binding and enforceable under a private administrative process. 

You will find a copy of my original qualified written request enclosed. 

Please be advised : Incorrectly addressed mail shall be returned unopened and unread, any or all correspondence from this point must be by mail only.

Company response to consumer: Closed with explanation