Consumer complaint received 2016-07-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
This is the second complaint that I have submitted in reference to Bayview Loan Servicing , LLC . My initial complaint contained a QWR requesting information in regards to Bayview Loan Servicing , LLC 's role in a mortgage they say they have the legal authority to service that is in the name of my mother 's estate. I also requested that they be investigated for violations in regards to the Fair Debt Practice Act violations along with several other major concerns. Previous requests both in writing as well as verbally have not been consistent. I am attaching a response to a QWR I sent to them shortly before I submitted my initial complaint to CFPB. I have been told verbally by different asset managers since XXXX XXXX that Bayview Loan Servicing LLC is the owner of the mortgage they feel is still active, however their paperwork reflects that other parties are the owner of the note and have authority to pursue a pending foreclosure in a mortgage I dispute the validity. Currently, there is a pending foreclosure for XXXX XXXX, XXXX in the name of Bank XXXX New York XXXX. XXXX asset managers offered a deed-in-lieu through the Making Home Affordable Program along with {$10000.00}, but only if I submitted the required paperwork by XXXX today. They said according to the governmental guidelines I had to submit the application at least XXXX business days before a foreclosure date in order to be considered, however a housing XXXX I was referred to the Making Home Affordable Program said that information was not correct. She said that an application had to be submitted within 30 days prior to a foreclosure date in order to be eligible for the Making Home Affordable program which would not be allowed in this case with a pending foreclosure date set for XXXX XXXX, XXXX. I also asked her why the MHA application was only XXXX pages long that was emailed to me from Bayview Loan Servicing , LLC while an application on the MHA website was XXXX pages long.It was also very clear Bayview Loan Servicing , LLC had drawn a box in pencil and had hand written the words deed-in-lieu as an option on what they consider to be an official document. She advised this was not professional and that she could not advise me to sign a document they had changed in this way or tampered with in any way. It was also evident they had changed the wording in the borrower 's acknowledgment section and rewrote it in different words that are different from the official MHA application that I saw on the MHA website. Bayview Loan Servicing , LLC also eliminated the fraud prevention link at the bottom of the application which is concerning. In addition Bayview Loan Servicing , LLC sent me a form that I am also attaching to this complaint asking for very personal information going back ten years, including information from a former husband. I clearly do not understand the reason for requesting this information in order to process a deed-in-lieu. My name is on the warranty deed because my mother in her wisdom at the time thought it was a good thing to do along with having her will drawn up in XX/XX/XXXX. My mom passed away in XXXX from XXXX and I have been struggling with these issues all of this time. HUD housing counselor today advised me that I needed to contact the Federal Trade Commission because of potential fraudulent activity by Bayview Loan Servicing , LLC, which led me back to CFPB to file another complaint. Bayview Loan Servicing , LLC needs to be investigated.The manipulation, coercion, and falsifying of documentation needs to be addressed along with the pending fraudulent foreclosure and current bid showing on their attorney 's, XXXX XXXX, website.

Company response to consumer: Closed with explanation