Consumer complaint received 2016-09-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CFPB : Greetings ... 
I have a Mortgage on my home at that is being serviced by Bayview Loan Servicing , LLC ( www.bayviewloanservicing.com ). Bayview has been servicing my loan since XXXX XXXX, when it was transferred to Bayview from XXXX XXXX Bank. 
This complaint is about a {$150.00} fee that was listed on my Monthly Mortgage Statement dated XXXX/XXXX/XXXX ( for payment due on XXXX/XXXX/XXXX ). The fee was listed as a line item on the statement and labeled as " Total Fees & Charges ... {$150.00} '' My eldest son and I called Bayview Loan Servicing at XXXX ( customer service ) with various phone calls the day after receiving the Monthly Mortgage Statement in question. It took XXXX different phone calls to get the information that we needed as the Bayview representatives repeatedly kept making different requirements and reasons to release the information over the phone. Finally, after XXXX different phone calls, we were told that the " fee '' was actually XXXX different " fees. '' We were told that these were " Brokers Price Fees for Property Evaluation '' We were told these fees were {$75.00} each and that XXXX of them had been added to the account : XXXX fee back on XXXX/XXXX/XXXX, and the XXXX fee on XXXX/XXXX/XXXX. We were told that the XXXX fees totaled the " Total Fees & Charges ... {$150.00} that appeared on the XXXX/XXXX/XXXX Monthly Mortgage Statement ( this this month 's statement ). 

We advised Bayview Loan Servicing , LLC, customer service representative that we had not requested a " Broker 's Price Fee Property Evaluation, '' and furthermore had never heard of such a thing or fee on any Mortgage Loan we had ever held with any company, in addition to Bayview Loan Servicing , LLC . 

The Bayview Loan Servicing Representatives told us that the Mortgage Loan was paid-up and current ; not in arrears and that the payment for the {$150.00} aforementioned fee would not be required as it was added to the Mortgage Amount. We were told that the normal monthly mortgage payment of {$1000.00} would be the payment due on XXXX/XXXX/XXXX and that there would be no changes to the monthly payment amount now or in the future. 

So, in summary, I am asking the Consumer Financial Protection Board to look into the reason for the so-called " Broker 's Price Fee - Property Evaluation '' that was apparently added to the Mortgage Amount without our knowledge, consent, or approval. I believe this so-called " fee '' is unlawful and in violation of the various consumer credit and debt collection acts and the National and State of Minnesota levels. I would like Bayview Loan Servicing to explain in writing and in accordance with all Federal and State laws in the Great State of Minnesota, why the fee was added to the mortgage and mortgage account ; why we were not notified until over 1 to 2 years later ; why the so-called fee is not labeled correctly and explained on the Monthly Mortgage Statement. I would also ask that Bayview Loan Servicing cease all predatory financial practices and the use of hidden, predatory and unlawful fees and charges to it 's Mortgage Servicing customers. 

I am aware of the current order and fine imposed on XXXX for customer and fee abuses at that bank. I am asking that the XXXX do the same for Bayview Loan Servicing , LLC . 
Thank you.

Company response to consumer: Closed with explanation