Consumer complaint received 2018-03-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I was living with my Grandmother, helping her pay the mortgage payment when she passed away. I filed an application with XXXX XXXX XXXX XXXX, the mortgage company, to transfer the name on the mortgage to mine as a relative of the deceased. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, letters were sent addressed to my Grandmother requesting additional information and stating " Once we receive all of your information and any required fee, we will send you a letter within 10 business days to confirm whether we were able to make the change you requested. '' On XX/XX/XXXX, I received a letter from XXXX stating " Your request is complete. __________ ( my name ) has been added as a non-liable, authorized party with access to the account. However, I didn't see the non-liable authorized party and was under the assumption that the account had been transferred to my name. Around XX/XX/XXXX, I called XXXX and attempted to refinance the property with them for a lower interest rate, but was denied because it was mobile home. Since I was newly out of college and had little credit, I decided to pay on the property until I could build my credit. In XX/XX/XXXX, I decided to purchase a newer modular home to replace the current depreciated mobile home, borrowing enough money to pay off the current mortgage and roll it into the new mortgage. When the home place called XXXX to get the payoff to know how much to mortgage, they were told I could not pay the loan off because it was not in my name but my Grandmother 's name. I came home and immediately called XXXX to verify this information myself and was told that my name was not on the mortgage and could not pay it off and replace the home. I waited approximately one week and called again and was again told that the mortgage was not in my name, that I had no right to sale, transfer or do anything with the property. So I ask what would happen if I stop making the payment and was told that it would be foreclosed in my Grandmother 's name since she was the responsible party. So, since I could not do anything with the property, in XX/XX/XXXX I vacated the property and ceased making payments. 
On XX/XX/XXXX, a letter was mailed addressed to myself and my Grandmother regarding mortgage assistance since the payment was late. ( My Grandmother was still listed on the account ) On XX/XX/XXXX, XXXX mailed a " Notice of Intent to Foreclose '' addressed only to my Grandmother. 
On XX/XX/XXXX, XXXX mailed a letter addressed to me only, notifying that the mortgage has been transferred from XXXX XXXX XXXX  to Bayview Loan Servicing effective XX/XX/XXXX. 
On XX/XX/XXXX, a " Debt Validation Letter '' was mailed addressed to only me from Bayview Loan Servicing. 
On XX/XX/XXXX, I mailed an answer to Bayview 's Validation letter explaining the issue and providing the letter which states I am not the responsible party, only an added user on the account. 
I also called Bayview in XX/XX/XXXX or XX/XX/XXXX, and gave the representative the same information and faxed him a copy of the letter, which he replied " everything they have shows me as the responsible party '' leading me to believe XXXX XXXX   transferred the mortgage to Bayview, under my name, removing my Grandmother 's name completely under fraudulent pretenses. 
Bayview has also placed this debt on my credit report showing the delinquent account and that it was opened on XX/XX/XXXX. ( I was only XXXX in XXXX ). This mortgage was never placed on my account by XXXX, there is no payment history on my credit report by XXXX and wasn never placed on my credit report until Bayview put it there as a delinquent account causing my credit score to crash downward. I further suspect Bayview will place it there as a foreclosure also if this mortgage account is not removed from my name. 
I do not own this account and am not the responsible party as informed by XXXX XXXX on three different occasions and should have all ties to this account removed from my name.

Company response to consumer: Closed with explanation