Consumer complaint received 2015-03-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXXAwhile ago, I came into temporary financial hardship for the XXXX time in my life, due to a divorce, increased monthly mortgage payments being reset and living expenses. The result was being temporarily unable to pay the property taxes for XXXX and part of XXXX. The mortgage company, Bayview, paid those expenses and it is appreciated. 
Prior to that, the monthly mortgage amount of {$200.00} from the inception of the loan in XXXX including house insurance and property taxes were paid without a missed payment. 
In XXXX of XXXX, Bayview increased the monthly mortgage from {$200.00} to {$690.00}, an increase of 337 % presumably for the property taxes already paid and an amount to be placed in the escrow account. 
I was trying to come up with the amount due of {$5600.00} per the XXXX XXXX, XXXX statement sent out by Bayview. Sadly, that did not occur. 
An RMA loan was applied for on XXXX XXXX, XXXX, as time was running out. Foreclosure proceedings were due to be initiated on XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, Bayview sent another letter, now stating that the total amount due was {$7500.00}, on XXXX XXXX, XXXX. A difference of {$1900.00} in seven days! 
I have been working diligently with Bayview in resolving the situation. I have requested that the total amount due, upon verification, be added to the monthly principal. This would be the most expedient method for both parties in resolution. 
I am quite able to make the original monthly mortgage payment of {$200.00} that continues to be made monthly, in addition to the homeowner 's insurance and HOA dues that are current. 
I have a very close friend of over 35 years, who is temporarily forwarding $ 2,000.00/month in order to meet my affordable financial obligations. This is as secure as a bank loan in the monthly income being received. 
Additionally, stated to Bayview, that a home in California will be going on the market inXX/XX/XXXX. Conditions have improved greatly in the California real estate market. Upon the sale of this home, I stated to Bayview that the verified amount due, in order to bring the account current, would be paid in full. If Bayview adds the amount due to the mortgage principal, the amount due would still be paid in full, contingent on the California home selling. However, it would have to be a set amount frozen at a specific date. 
In an email from Bayview dated XXXX XXXX, XXXX, it states that the additional documentation sent in has been reviewed by the underwriting department. The underwriter " conditional '' the file and is requesting that borrower provide income docs ( PERSONAL LOAN FRIEND ) reflecting on the RMA. On the same day, I responded if could advise what type of acceptable documents and verified income were looking for, then would begin to amass that information. No advisement from Bayview on the request. 
On XXXX XXXX, XXXX, Bayview then asks if this person is living with me. My response on the same day was that the answer is no. 
Today, on XXXX XXXX, XXXX, Bayview now states can not use the income stated as " Loan from Friend '' as valid/verifiable income for purposes of a loan modification. Again, no answer from Bayview, regarding my request to advise what documentation would be needed, to satisfy their XXXX XXXX, XXXX request for such. It strongly appears from the communication, that underwriting had no problem with that source of income, in that were requesting verification and documentation of such. No mention was ever made, until today, XXXX XXXX, XXXX, that this income was non-usable. Understandably, I now begin to question what is going on, given the fact that not until after my request for the type of documentation needed for the income, does this show up. I am more than willing to work with Bayview on reasonable, affordable solutions to this situation.

Company response to consumer: Closed with explanation