Consumer complaint received 2018-06-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
CFPP/OCC CFPB To Whom this may concern, I, XXXX XXXX had filed a complaint with the CFPB against XXXX XXXX XXXX   in XXXX XXXXXXXX, XXXX. 
Our complaint is we were not treated fairly. We were forced to sell and then not given the time to sell our home, since if they were not going to work with us by renewing our HELOC or let us make intersest only payments through at least XX/XX/XXXX. 
XXXX XXXX XXXX was the one to first forced the foreclosure and XXXX XXXX ( Asset Manager ) contacted XXXX XXXXXXXX. She told me she did. I have no way to prove. 

XXXX XXXX XXXX from XXXX Federal Reserve office reply to my email ( from last week ) this morning. She said that I would need to contact the CFPB/OCC to get help with stopping the Auction on our home during this investigation. 

Our home at XXXX XXXX XXXX XXXX, XXXX, XXXX  that was scheduled for foreclosure on XX/XX/XXXX is now scheduled for Auction on the XXXX County Court House Steps this Thursday on XX/XX/XXXX. PLEASE STOP OUR HOME FROM FORECLOSURE AUCTION NOW! 
We do not deserve this treatment, The Federal Reserve in XXXX has begun a investigation into our claim against XXXX XXXX XXXX. 

The attached documents have the contact information. 

XXXX XXXX XXXXXXXX our first lender knew I have been working very hard to sell our home because they too have refused to put even one payment on the end or restructure and refuse to refinance twice in XXXX. I told them I had worked a little more and that my CPA had to file an exten We feel strongly that we have been wronged by XXXX XXXX XXXX and XXXX XXXXXXXX. XXXX XXXXXXXX by not treating us fairly as a Homeowner. We too kept our payments made to XXXX XXXX XXXXXXXX since the purchase of our home in XXXX. 

On XX/XX/XXXX we applied and presented a 185 page document through XXXX in hopes of XXXX helping us to get a loan modification through XXXX XXXX XXXXXXXX. The very next day after XXXX uploaded the file into XXXX XXXX XXXXXXXX 's Portal. I, XXXX XXXX got a call that our loan was sold to Bay View Loan Servicing. I was devasated as XXXX XXXX XXXXXXXX knew just like XXXX XXXX XXXX that I was working diligently to sell our home while also fighting for a chance to keep it. I told both Banks I would sell to get them there money but we needed to be treated equally as fair. We have over a {$100000.00} of equity in our home. Our only retirement money. We are XXXX and XXXX. We are fighting for our rights as a consumer to keep or home or at least be able to sell for market value in this Seller 's market. The banks are refusing to allow us through this year to sell. 
Both banks are guilty now of not treating us fairly as homeowners. 

XX/XX/XXXX. I received a letter from Bay View Loan Servicing a  package to fill out for a loan modification. I contacted Bay View Loan Service Asset Management Department to tell them that I wanted the loan modification and that I had just applied through XXXX for a loan modification with XXXX. 
I was informed by a agent in this department that they will not grant us a loan modification because we are scheduled for foreclosure by XXXX XXXX XXXX/ ingiated by XXXX XXXX ( Asset Manager at XXXX XXXX XXXX in XXXX XXXXXXXX, XXXX . 

We would never have had to experience the trauma of losing our home we built and our family suffer such igonizing pain over these last two years. We are good homeowners who take pride in our home and land. We have worked extremely hard to get where we are and to keep what is rightfully ours to keep. Both banks should have been willing to work with us and made a effort to make our home affordable on a smaller income. We paid our payments. 
Many folks walked away through the market crash. We did not through the market crash, my XXXXXXXX XXXX and treatments and my husband XXXX all this happen, the market crash XXXX, my XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, my XXXX six month treatments in the new XXXX XXXX. 
We just need our banks to work with us, we feel our rights have been violated as a consumer. To the banks we mean nothing as human beings and homeowners. 

You can review our previous complaints, emails and documentation in the CFPB file. The CFPB referred our complaint to the Federal Reserve. 

I took the house back off the market when I filed for a loan modification with XXXX, XXXX XXXX through XXXX. We have no chance of getting anywhere close to fair market value or even what we owed to pay both banks when our home is being advertised by Attorney XXXX XXXX and XXXXXXXX XXXX XXXX with starting bids as low as {$170000.00} on XXXX a month ago, XXXX XXXX and XXXX {$200000.00} and now a bid of {$220000.00}. 
XXXX has also showed the value of our home over {$430000.00}. 

We still stay in our home partime until this is resolved. Our lights and AC remain on. 
Respectfully, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC. XXXX Direct : XXXX H Office : XXXX Office : XXXX XXXX : XXXX Email : XXXX Website : XXXX Selling The XXXX - XXXX Strand of XXXX XXXX, XXXX. 


Respectfully, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Website : XXXX Email : XXXX Direct : XXXX Office : XXXX efax : XXXX XXXX Selling The XXXX XXXX XXXX XXXXXXXX XXXX This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. Please note that any views or opinions presented in this email are solely those of the author and do not necessarily represent those of the company. Finally, the recipient should check this email and any attachments for the presence of viruses. XXXX XXXX accepts no liability for any damage caused by any virus transmitted by this email.

Company response to consumer: Closed with explanation