Consumer complaint received 2016-05-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in the modification process for the last 8 years, with no resolution. 

My loan started with XXXX XXXX, then XXXX XXXX, and now it is with XXXX. 

I have had XXXX trial modifications, and XXXX Forbearance agreement. I met all the terms and conditions, making all payments and providing everything they needed. We even have a certificate of compliance showing that we met all the terms required. All of the trial modifications, as well as the Forbearance agreement ended with no permanent modification in the end. 

This last trial modification that I was in, I was given after I went to mediation with the housing authority and the Attorney representing XXXX XXXX XXXX. I made all the payments required, only to hear at the very end that all of my documents had expired and I needed to submit a new application. 

In XXXX 2016, I was finally feeling like I was almost done with this whole process and was going to be to have my modification approved. In XX/XX/XXXX, I received a letter that my account manager had changed yet again. After speaking to XXXX XXXX who was my new account manager, he assured me that I was only a few days away from a final approval, that he had everything that was requested and the file was with underwriting. I would call a few days later to follow up and check the status, XXXX would call me back and say, " I am going to email you a document, I need you to white out the date change it to todays date, then email it back to me ''. This has happened about 5 times in the last 4 weeks, but XXXX kept assuring me that we were just a few days away from approval. 

On XXXX XXXX 2016 I was served paperwork from XXXX XXXX XXXX who is the Attorney that represents XXXX XXXX. The letter said that they were moving forward on the Foreclosure on my home. I called the phone number listed on the document and I spoke to XXXX, who is the Foreclosure manager. When I asked her how they were Foreclosing on me, she stated that she received a denial to my modification dated XXXX XXXX. After about 4 weeks of me contacting XXXX to find out how this happened, and XXXX was trying to contact Bayview to verify there was no denial sent out, she finally admitted that she sent the request to the courts to proceed with my Foreclosure off a letter that was only asking me for additional conditions. She made a mistake, a big mistake. 

On XXXX XXXX 2016, I came home and there was a notice on my door that my house was going to be Auctioned on XXXX XXXX 2016. 
I called XXXX that afternoon, but he had already gone home for the day. On Tuesday XXXX finally called me back, and he stated that I had no reason to worry, and that my modification would be approved way before that date. XXXX XXXX is quickly approaching, and I still do n't have an approval. 

I do n't know how they can auction my home, when the last letter that I received requesting conditions, says that I have until XXXX XXXX 2016 to submit them. Today is only XXXX XXXX. They are duel tracking, which I know is not allowed. 

I am baffled that I have had multiple trial modifications, met all conditions requested ( I am attaching a certificate of compliance ), and yet I am still at risk of losing my home. 

Please help me. I have done everything I was asked to do, and have been more than patient waiting for them to get this figured out. I do n't want to lose my home.

Company response to consumer: Closed with explanation