Consumer complaint received 2017-09-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have several issues to address please : 1. - My loan modification was effective XX/XX/XXXX, and at that time, I asked my mortgage company, Bayview Loan Servicing, to please make my payment due dates the end of every month because, based upon how I receive my income, that 's when my funds would be available to disburse to them ; 2. - My payments began being late in XX/XX/XXXX when my ex-husband, during a very hotly contested divorce, contacted one of my credit card companies and authorized payment in full of my bill, which completely emptied my checking account. This incident was reported to the XXXX XXXX County Police who informed me there was nothing they could do to prosecute him because we were still married at the time ; 3. - In XX/XX/XXXX, I contacted Bayview Loan Servicing to make them aware of this incident and to inform them why my payment was late. Unfortunately, I was still charged a late fee for my payment being late that month, and they probably reported it to the credit reporting agencies, and I have been unable to get my footing and get back on track with my payments ever since ; 4. - In XX/XX/XXXX,  I asked Bayview not to " pad '' my Escrow account with extra funds because, as a single mother to an XXXX child whose father does not pay the court ordered child support, I do not have the money to spare. I was told it was allowed by law ; 5. - In approximately XX/XX/XXXX, I was able to bring my mortgage payments current, or so I thought, when I sold some of my personal belongings and remitted 100 % of the proceeds to Bayview ; 6. - In XX/XX/XXXX, I again asked Bayview not to " pad '' my Escrow account with extra funds because, as a single mother to an XXXX child whose father does not pay the court ordered child support, I do not have the money to spare. I was told it was allowed by law ; 7. - In XX/XX/XXXX, Bayview inaccurately released funds from my Escrow account to pay in full 2 hazard insurance policies. I was forced to endure a barrage of harassing " debt collection '' phone calls until I was able to sort it out and funds from 1 of the hazard insurance policies were debited back to my Escrow account ; 8. - In XX/XX/XXXX, I received a statement indicating I owe late charges of {$1800.00}, unapplied funds are {$2400.00}, and past due amount is {$6000.00}. I disagree and feel Bayview 's records are inaccurate, and feel I have been excessively and inaccurately charged late fees. Bayview is and has been aware of my situation since the loan was modified XX/XX/XXXX,  and has been steadily " padding '' my Escrow account despite my repeated requests for relief. At this point, I would like Bayview to cease and desist all Escrow activities associated with my home and loan so that I can begin paying those costs myself. This is the only way I will be able to break this horribly stressful cycle of Bayview increasing the payments I must make to my Escrow account, placing an undue burden on me, and making it increasingly challenging to make my payments in full on time and avoid being aggressively charged late fees by Bayview. 
Thank you for your time!

Company response to consumer: Closed with explanation