Consumer complaint received 2021-04-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, my wife, filed Chapter XXXX bankruptcy. It was discharged XX/XX/XXXX and the mortgage loan was not reaffirmed by her. 
In early XXXX, I filed Chapter XXXX Bankruptcy. 

In XX/XX/XXXX, my bankruptcy was dismissed. I did not reaffirm the loan. 
XX/XX/XXXX, we received a Loan Modification from XXXXXXXX XXXX 
XXXX XXXX XXXX, loan payments were paid to XXXXXXXX XXXX No late payments. 

XX/XX/XXXX, I was in a car accident and unable to work due indefinitely to injuries. 

XX/XX/XXXX, XXXXXXXX XXXX granted a forbearance plan offer ( Pre-Covid ). The agreement was to pay {$210.00} per month from XX/XX/XXXX XX/XX/XXXX and then the agreement would be re-evaluated. XXXXXXXX XXXX  never reported the loan as delinquent as we were told the forbearance plan would our account/contract bring us current. 

XXXX XXXX, as we all know COVID, the pandemic hit the U.S. 

XX/XX/XXXX Received letter from XXXX XXXX  that the Loan was sold to Bayview Loan Servicing effective XX/XX/XXXX. 

XX/XX/XXXX, received welcome letter from Bayview which also indicates that This transfer does not change any terms or conditions regarding your loan. Your prior servicer will provide us with a copy of your current records. 
XX/XX/XXXX, Bayview enrolled us in the Emergency Relief Forbearance Plan due to being impacted by the pandemic. However, Bayview never acknowledged the forbearance plan offer from XXXXXXXX XXXX, as they claimed they never received the information of the plan offer from XXXXXXXX XXXX. XX/XX/XXXX, we sent a copy of the plan/agreement over to Bayview ( XXXX ) for review via email after speaking with Bayview representative XXXX. Bayview never reported the loan as delinquent to the credit reporting agencies and we never received a response from Bayview. At the time of enrollment in the Emergency Relief plan, again, we were never notified or given any indication that the loan was delinquent. 

SuddenlyXXXX XXXX  XXXX, Loan changed hands from Bayview to Community Loan Servicing ( same company, name change ).

Community Loan Servicing immediately began reporting the loan as delinquent over 180 days plus from past time frame. Credit score dropped dramatically which sent numerous alerts from various paid credit monitoring services we use. This is how we became aware that they reported this erroneous information to the bureaus. 

XX/XX/XXXX sent certified letter to Community Loan Servicing expressing concern over how the loan was being serviced. We asked them for copies of the original sources of all items that were being used to report late payments to the credit bureaus. 

XX/XX/XXXX received letter from Community Loan Servicing acknowledging letter receipt and given a proposed resolution date to receive documents requested by XX/XX/XXXX. 

XX/XX/XXXX sent 2nd certified letter to Community Loan Servicing indicating that we had not received the documents as promised by XX/XX/XXXX. 

XX/XX/XXXX received letter from Community Loan Servicing responding to our inquiry with supporting documentation. Also sent a copy of an email they claim they sent us on XX/XX/XXXX. However, it was never received as they sent the email to the wrong email ( see attached copy of the email ). 

The fact that this loan is being reported 180 plus days delinquent has not only affected my credit score but has affected my livelihood as this reporting has caused many financial grievances for me and my family. We are unable to take advantage of better financial options that would be available to us during and after the pandemic as we are virtually stagnant because of this incorrect reporting.

Company response to consumer: Closed with explanation