Consumer complaint received 2022-03-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid off sole seperate property house has been extorted though he's exempt for over 15 years for his exs court ordered sole seperate loan sharking bill she, made in commission of many proven crimes in their divorce, She stolevXXXX I'd many xs n title to his sole seperate property house hers was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX till foreclosed on by XXXX for this debt XXXX. XXXX account number, she's court ordered to pay and did pay including extra over XXXX XXXX to XXXX but even though court ordered this her sole bill to pay she stopped in XX/XX/XXXX forcing XXXX XXXX to get threatened with ruined credit foreclosed or suit XXXX to XXXX a month ever since n we eye witnessed whole thing,, so XXXX asked XXXX XXXX what's going on n he said XXXX XXXX pay or XXXX will foreclose on his house when again he knew loan was fraudulent and XXXX was exempt and it was crimes against him title and I'd theft by XXXX XXXX XXXX XXXX XXXX XXXX XXXX his XXXX XXXX XXXX XXXX, so XXXX asked for copy of the original contract loan sharking type called a mortgage, 4.1 % fixed interest 15 year term payments XXXX a month with first XXXX due XX/XX/XXXX, by then XXXX had paid XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, and XXXX to XXXX each month till she quit against court orders till she paid in full XXXX of XXXX causing XXXX to get extorted for her debt when he was exempt n his property was exempt bank, account n credit were exempt??? so we witnessed XXXX ask XXXX ok what are these XXXX XXXX XXXX XXXX XXXX XXXX insurances for XXXX to XXXX. XXXX explained XXXX asked what are payments with those canceled XXXX XXXX XXXX XXXX minus XXXX equals XXXX new payment amount XXXX asked ok for information sake what is payment with 30 year terms, XXXX said it drops payments from XXXX to XXXX to XXXX a month, XXXX said ok, keep loan 15 years and cancel those XXXX XXXX insurances and apply the extra to principal but as you m can see by XXXX n Bayview now communities fraudulent documents they not only made up any terms they wanted frequently they never ever credited the canceled XXXX insurances to payments XXXX lowered to XXXX they n also every amortization table shows this they never credited extras extorted from XXXX to principal he'll XX/XX/XXXX XXXX balance to XX/XX/XXXX XXXX they never credited a single payment to overall balance,, but did charge XXXX XXXX XXXX XXXX extra each month XXXX to XX/XX/XXXX for said canceled insurances, also inputted XXXX a year skip a month coupons backwards negating XXXX  XXXX a month payment each n every month proven XXXX by fax serving every receipt n corresponding bank statement then falsely claimed XXXX did not pay those months we he proved he paid n used a coupon XXXX XXXX to XXXX when it went to collections at Bayview where they did worse calling threatening mailing XXXX foreclosure notices after cease and desist notices sent by registered mail XXXX to both registered mail XXXX XXXX each plus opt out notices court documents proving XXXX  a victim of crimes by XXXX XXXX XXXX XXXX XXXX XXXX XXXX also added XXXX to overall balance XXXX XXXX XXXX summer and XXXX XXXX XXXX this debt XXXX XXXX XX/XX/XXXX, XXXX charged it off to insurances XXXX 6 months later. So if amortized right applying XXXX full XXXX XXXX payment plus XXXX extra plus extras over charged XXXX extortedly paid this off by XXXX XXXX,, but by fraud n subterfuge XXXX said XXXX still owed she was only named on bill but again reps called and mailed XXXX foreclosure XXXX XXXX a month XXXX to XXXX to extort this exempt man n his exempt property they should have taken bogus lien off of long ago, but instead sold it to Bayview who typed up whatever fraudulent letters words threatening XXXX they needed they added XXXX name to loan sharking contract n bill added their names to realty taxes n insurance XXXX total balance XXXX b year terms 4.1 % fixed simple mortgage interest and all terms but XXXX payments change when again XXXX minus XXXX XXXX insurances XXXX or XXXX XXXX XXXX lower payment amount minus XXXX XXXX insurances XXXX to XXXX never changed stayed XXXX but interest n different XXXX bodys contracts showed XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, interests n summer XXXX to cfpb bogus shrunken contract of another person 's name XXXX camasco? 9.84 %. Lol. XXXX pages shrunk bogus letters typed up threatening XXXX saying he owes n they'll foreclose,, letters their documents we faxed served them cherry picking them but adding their bogus letters falsely claiming XXXX did not pay this month that month, but not receipts n bank statements we faxed all proving he did many times to, all but documents showing XXXX discharging debt this debt community number account XXXX, showing Bayview community never put right payments amount either and curtailed extras XXXX to XXXX xs amonth XXXX moved funds around applying them different XXXX to XXXX xs to try XXXX hide their extorting frauds they added deferment XXXX XXXX added XXXX XXXX by applying XXXX extorted payment under forbearance all to interest only instead of all to principal they lowered growing principal each time XXXX it got to over XXXX to XXXX XXXX, to XXXX to XXXX. XX/XX/XXXX when XX/XX/XXXX it was XXXX. They regularly screamed at XXXX and caused v triggered XXXX into XXXX XXXX n did not even try to garnish XXXX 's XXXX dollars an hour from cardio institute job XXXX to now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX wa XXXX. But instead went after XXXX who was declared not responsible for her crimes and all her bills .... in divorce,,,???? Causing XXXX many XXXX XXXX and aidding XXXX abetting a known felons,, extorting XXXX unjustly enriching them selves sending over XXXX notices each XXXX n community after cease XXXX desist registered mailing abusing XXXX terrorizing XXXX whose prone to XXXX XXXX and strokes and XXXX reps admitted we were right and they were wrong. Sincerely XXXX XXXX For XXXX XXXX we found out XX/XX/XXXX northwest justice project attorney XXXX XXXX XXXX multicare dshs hca aps have been helping her XXXX her cohorts frame XXXX for crimes bills they made with malice aforethought, .. 15 years..please help please get them to stop killing XXXX based on criminals XXXX smear campaign please get XXXX XXXX protects by law he's the law doers been denied for over 15 years and repayment of every dime extorted times XXXX... see earlier complaint XXXX add together for more complete facts XXXX truth..

Company response to consumer: Closed with explanation