Consumer complaint received 2015-10-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I am co-Owner of a house with my ex-wife. I moved from the property around XX/XX/XXXX and received my divorced XXXX ; but I am still on the loan and deed. We do not live in the house together ; but I am actively involved in all the decisions being made concerning the house. I informed Bayview Mortgage that my ex-wife and I do not talk and any documentations sent to her must be forwarded to me also. I provided my cell and current address ; due to the fact I live in another state and do not have access to any mail at the property being serviced under the loanIn the XX/XX/XXXX ( around XXXX XXXX my ex-wife requested a modification from BayView. She was placed on a pre-modification for 3 months before the final modification could be completed. During that time I contacted Bayview several times to discuss the terms of the pre-modification and consequential the final modification with several representatives. I spoke to XXXX XXXX XXXX first and provided him with my cell and current address. I requested, from XXXX XXXX, that Bayview forward any correspondence concerning the loan to me in addition to my ex-wife. I did receive several mortgage statements from Bayview showing the balance and escrow amounts for the loan. I also contacted XXXX XXXX twice a week to get status updates on the account and pre-modification. I did request a copy of the pre-modification from XXXX XXXX on several occasions ; but was told there was nothing for me to sign until the final modification ; so there was no need for me to receive a copy of the pre-modification. 
XX/XX/XXXX I contacted Bayview to find out when the final modification would be sent so I could have an attorney review the paper work before I signed. I spoke with a representative that informed me XXXX XXXX was the new representative for my account. 
When I spoke with XXXX XXXX she stated the following:1. My ex-wife had received the paperwork for the final modification XX/XX/XXXX but had missed the deadline. 
2. Bayview was giving my ex-wife the opportunity to turn in the late paperwork and they would honor the modification ; but they had not received anything from her as of end of XXXX. XXXX XXXX stated she did not see any notes on the account stating I requested a copy of the final modification be sent to me at my current XXXX. XXXX XXXX stated the account did not have my current address ; but she would update the account to reflect my current XXXX. I commented that I had been receiving the statements but could not understand why they did not have my address on file for the modification documentation. 
XXXX XXXX ; promised to send me a copy of the modification for my review and signature. 
Later on around XX/XX/XXXX ; I went to apply for a loan and saw on my credit report that the modification had been processed. I immediately contacted Bayview to find out what happened and why I was not notified. XXXX XXXX was unavailable so I spoke to a representative at the company. They informed me that the final modification had been approved and they forwarded me a copy of the signed modification via email. 
Much to my surprise the modification had a signature on there that was NOT mine. I tried to contact XXXX ; several times but she has not returned my calls. 
The signature on the modification has been forged.

Company response to consumer: Closed with explanation