Consumer complaint received 2017-10-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The stress due to this dual tracking is unbearable. My family and I can no longer deal with the battle fatigue and chronic stress caused by XXXX XXXX XXXX the Master Servicer of my loan and Bayview Loan Servicing the Sub servicer of my loan. 
On XXXX XXXX XXXX through XXXX XXXX, XXXX, my home was stampeded by realtors, investors and others at our front doors and windows notifying us our home was in foreclosure with a sale date of XXXX XXXX, XXXX at XXXX XXXX. The foreclosure sale date was a huge surprise to us as well as causing confusion and frustration due to working so very closely with Bayview Loan Servicings, XXXX XXXX, Vice President, in Bayviews Hamp Escalations Department. In fact I told the multiple realtors, investors and others there must be something wrong because XXXX XXXX would never allow this to happen. Some of them told me to call the trustee for XXXX XXXX XXXX and Bayview Loan Servicing and even provided me with the foreclosure paperwork that stated my home is scheduled for foreclosure on XXXX XXXX, XXXX at XXXX XXXX ( See Exhibit B ) I called the trustee that was listed on the paperwork, XXXX XXXX XXXX XXXX XXXX at phone number ( XXXX ) XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AZ, XXXX and verified that the foreclosure is scheduled for XXXX XXXX, XXXX at XXXX XXXX. I told the trustee I am confused because Ive been in a current active workout plan since XXXX XXXX and XXXX XXXX, my asset manager at Bayview Loan Servicing had stated the foreclosure was  cancelled. The trustee told me the foreclosure had never been cancelled just suspended. I also indicated to the trustee that I have been making trial modification payments since XXXX XXXX to the present. I also told the trustee I was confused about the foreclosure because I thought I was in a active work out and have never been notified by the trustee or the XXXX XXXX XXXX XXXX XXXX or Sub Servicer Bayview Loan Servicing that my home was in foreclosure and going to be sold on XXXX XXXX, XXXX. The trustee XXXX XXXX XXXX XXXX XXXX stated my home would be sold at foreclosure auction on XXXX XXXX, XXXX at XXXX XXXX and that it was my job to follow the foreclosure sale date and these people had a right to be on my property. I told the trustee I had never received any notification from you the trustee, the Master Servicer XXXX XXXX XXXX or the Sub-servicer Bayview Loan Servicing that my home was in foreclosure so how would I know to keep an eye on the sale date because I thought I was in an active workout. 
It was so many investors, realtors and others that they not only disturbed my XXXX XXXX husband and children but also my neighbors. Many of them stampeded my property and went through my property, hopped the fence to get into the back yard, and looked through the windows disturbing my XXXX XXXX  husband and children. In addition, many of the realtors, investors and others also behaved aggressively and combatively when I explained to them that I was in a active workout with Master Servicer XXXX XXXX XXXX and Sub-servicer Bayview Loan Servicing. Many of the realtors, investors and others also became aggressive and combative when they were asked to leave my property by myself or neighbors. Some of them stated to me, my children and some of my neighbors that your home is in foreclosure and we have a right to be here and inspect the property.. 
Upon calling Bayview Loan Servicing and trying to speak with XXXX XXXX or Single Point of contact XXXX XXXX I spoke with XXXX at Bayview Loan Servicing regarding the problem she instructed me to call the police and notify them of the realtors, investors and others to protect my family because there was nothing Bayview could do. Therefore today I am filing a report with the police. 
The stress due to this dual tracking is unbearable. My family and I can no longer deal with the battle fatigue and chronic stress caused by XXXX XXXX XXXX the Master Servicer of my loan and Bayview Loan Servicing the Sub servicer of my loan.

Company response to consumer: Closed with explanation