Consumer complaint received 2018-10-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving threatening phone calls from XXXX XXXX XXXX ( a debt collector ). They received my file XX/XX/XXXX and stated that I signed contracts in XXXX and that I owed them {$32000.00}. They have proceeded to leave messages on my answering machine and cell phone threatening to file a judgement against me and that this is only one of the judgments to be filed against me. 
In response to the phone calls, I contacted XXXX XXXX, my PMI carrier, and told them that I had a collection company after me for this debt. They told me Bayview Loan Servicing had been making my premium payments and that XXXX XXXX XXXX was my investor and that my PMI premiums went from {$240.00} a month to {$73.00} a month. When I asked why they had changed, they stated that after having a mortgage for 10 years the premium goes down to .02 % of the original loan amount, which is {$440000.00}. I mentioned the loan was discharged in Chapter XXXX on XXXX of XXXX and that this was not the contract that I had with them. In my contract, premiums would stop when I met 80 % of the Loan to Value or on XX/XX/XXXX, based on the amortization schedule. The PMI notice sent to me is also included, as is the amortization schedule and letter from XXXX. I also mentioned that under XXXX 's new guidelines for paying out claims, the agreement between the lender and XXXX would have been rescinded, because of the Chapter XXXX bankruptcy and loan default ( CFPB has taken action against XXXX. Chapter XXXX letter of discharge included ). 
Called on XX/XX/XXXX, XXXX XXXX., and spoke with XXXX. She told me the investor is XXXX XXXX XXXX and gave me their number ( XXXX ). 
Called XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX., and spoke with XXXX. He told the note and the mortgage was sold on XX/XX/XXXX to XXXX XXXX XXXX ( RCS ) for XXXX and that he would send me a letter of the transfer ( included ). 
Called XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX., and spoke with XXXX. He told me that the note and loan was sold to XXXX on XX/XX/XXXX. 
Called XXXX on XX/XX/XXXX and spoke with XXXX. She told me the premium drops after 10 years. 
Called XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX., and spoke with?. Was told letter of transfer was sent out. 
Called XXXX on XX/XX/XXXX, XXXX p.m., and spoke with XXXX. I told him about previous calls to them concerning the debt collector, my Chapter XXXX and that XXXX XXXX XXXX sold the note and mortgage on XX/XX/XXXX. I was put on hold, and then he stated that XXXX was paying the premiums and that I should contact Bayview Loan Servicing and tell them about my situation. 
Called XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX., and spoke with XXXX. He gave me what he said that he had on file. The date of the mortgage ( XX/XX/XXXX ), the investor XXXX Bank XXXX New York, # XXXX ), Bank XXXX New York XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
Called XXXX on XX/XX/XXXX, XXXX p.m., and spoke with XXXX XXXX. Was told that XXXX XXXX XXXX out of Florida was my servicer. 
Called XXXX Loan Serving on XX/XX/XXXX, XXXX XXXX, and spoke with XXXX XXXX said that the investor was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, trustee for the certificate holders of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Pass Through Certificates, XXXX XXXX XXXX. I told her that XXXX XXXX XXXX is no longer registered with the Security Exchange Commission ( SEC ) and that XXXX XXXX XXXX was longer registered in the State of Delaware. Transferred to XXXX XXXX ( manager ). She told me that she was looking up the assignment of mortgage and that the report was 30 pages long and I was put on hold. She told that Bank XXXX New York XXXX, XXXX, XXXX XXXX XXXX purchased back loans out of the pool of mortgages in the Trust. I told her that XXXX XXXX XXXX said that they do not own the note or mortgage. She said that she needed to do more research and that she would call me back. 
XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX p.m., and spoke with XXXX. I told him that I spoke with XXXX Loan Servicing and they said that XXXX XXXX XXXX had purchased back loans that were pooled into XXXX XXXX. Alternative Loan Trust XXXX, Mortgage Pass Through Certificates, Series XXXX. He said that he was pulling the Collateral Management File, and that he could send it out to me XX/XX/XXXX. My Foreclosure date is XX/XX/XXXX, After I gave him authorization, he said he would XXXX me the file on XX/XX/XXXX. He also said that if XXXX XXXX Servicing was the servicer to my mortgage, they would have a Custodian of Asset Trading Agreement from the investor. Servicers need a contractual agreement. 
Called XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, and spoke XXXX XXXX. I ask to speak to XXXX XXXX. She said that she was busy and told me she could read me what was put in by XXXX. She told that XXXX XXXX XXXX XXXX packaged a large group of loans into a Trust, with XXXX XXXX XXXX XXXX, AKA, XXXX XXXX XXXX, and that investors now hold shares in trust CWALT XXXX. I mentioned about getting a copy of the XXXX XXXX XXXX XXXX. Not knowing the exact name of the contract, I said that I needed a copy of the contract between Bayview Loan Serving and the investor that authorized them to service the loan and that I would like to have it immediately. She said that XXXX XXXX would call me back in an hour. Still have not heard back from them.

Company response to consumer: Closed with explanation