Consumer complaint received 2016-10-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Who It May Concern, I have been getting the runaround from BayView for almost a year now about my mortgage. I 've sent in the requested documentation 3 times for my modification and have gotten absolutely nowhere. 

I have filed other complaints with the Comptroller of Currency and the Consumer Financial Protection Bureau, but BayView has carelessly handled my file and have even misrepresented facts. 

I started my Request for Mortgage Assistance in XXXX XXXX and corrected the my mailing address in XXXX XXXX. For some unknown reason, Bayview has continuously sent requests for additional information and other pertinent documents to the previous address. 

In XXXX and XXXX XXXX, I provided Bayview with the correct mailing address once again. Unfortunately, in spite of that, they sent requests for additional information and other pertinent documents to the previous address. This was demonstrated in the complaint response that was submitted by Bayview on XXXX XXXX, XXXX. ( See Case number : XXXX ) The representative that was assigned to my file claimed that Bayview did n't send me any documentation because of a cease and desist that was placed on file ( attached ). The interesting part about that is the fact that the cease and desist specifically requested for Bayview to ONLY communicate with me in writing via mail or e-mail. What 's even more interesting is the fact that according to the aforementioned complaint response, Bayview sent correspondence via mail AFTER the cease and desist was sent, but it was mostly to the wrong address. ( See Case number : XXXX ) Although I had already provided Bayview with the requested documents twice before and had n't heard anything in response concerning an approval or denial, I received a foreclosure notification in the mail on XXXX XXXX, XXXX. My home had a foreclosure sale date of XXXX XXXX, XXXX. 

I provided Bayview for the documents that they had requested for the 3rd time on XXXX XXXX, XXXX. Prior to that, I provided Bayview with the documents that they had requested in XXXX XXXX and XXXX XXXX. 

I have documented proof of all of the files that I have sent to BayView, yet each time, they claim that they have not received the files that they requested from me. 

Today, XXXX XXXX, XXXX, I received yet another notification requesting even more documentation where the vast majority of had already been provided in XXXX XXXX and XXXX XXXX. 

Although Bayview received a complete file on XXXX XXXX, XXXX and confirmed receipt of that file on XXXX XXXX, XXXX, they absolutely refused to stop the foreclosure that was scheduled on XXXX XXXX, XXXX. This is infuriating because I have received documentation from Bayview and have had multiple representatives tell me that they can not post-pone or stop the foreclosure until they receive a complete file. 

I 've called Bayview and XXXX XXXX on a daily basis trying to obtain status of my modification and foreclosure and have witnesses to prove it. I 've left messages to and scheduled appointments to no avail because either the representative that was assigned to me would not return my call OR would " no show '' me for my appointment. The only way I have been able to really learn things about my loan modification is through other loan modification representatives who work for Bayview. 

I have reason to believe that Bayview and/or the representative that is assigned to my account is deliberately stalling and mishandling documentation that has been sent to them in effort to thwart the loan modification that I am dire need of. 

Here I am 6 days away from foreclosure and they are claiming that they can not proceed with the modification because I have not provided them with the requested documentation which is an absolute lie. Everything is there and has been there since XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX!!!

Company response to consumer: Closed with explanation