Consumer complaint received 2016-05-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
BULLIED HARRASSED AND INTIMIDATED INTO SIGNING MODIFICATION During the past year, I suffered illness, a XXXX, and XXXX due to XXXX, therefore, I was unable to respond to XXXX XXXX XXXX and Bayview Loan Servicing. Therefore, I am filing this new complaint with exhibits. Due to my XXXX, I will be filing new complaints, individually, with exhibits for XXXX XXXX XXXX Attorneys, XXXX XXXX XXXX Letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
After numerous Qualified Written Request, regarding the XXXX XXXX, XXXX, Loan Modification by XXXX XXXX XXXX. 
On XXXX XXXX, XXXX XXXX XXXX had been notified that my husband was terminally ill and in the hospital. I had filed for several Hamp Modifications and XXXX XXXX XXXX always denied them. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX Hope Team called me, I told them my concern about my husband being in the hospital and XXXX XXXX XXXX foreclosing on my home with just my children in the home. The XXXX XXXX XXXX Hope Team indicated if my husband and I did n't sign the Modification that they would have to foreclose on my home. Due to my husband being in the hospital and my children and home, I was forced to sign and have my husband sign the modification under XXXX XXXX XXXX 's bullying, harassing and intimidating tactics. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX sent a intimidating fax. The Fax included the fax " Important Message about your Loan '', and the XXXX XXXX, XXXX, Loan Modification, dated XXXX XXXX, XXXX. The fax also stated " This offer is contingent upon XXXX XXXX receiving an Automatic Stay for any bankruptcy in which the property is referred. '' The Fax stated the following : " Failure to sign this Loan Modification dated XXXX XXXX, XXXX, will result in foreclosure. '' XXXX XXXX XXXX XXXX XXXX XXXX, Exhibit D ) The Loan Modification stated the following : " Failure to sign this Loan Modification dated XXXX XXXX, XXXX, will result in foreclosure. '' ( See XXXX XXXX XXXX XXXX, Exhibit XXXX ) From XXXX XXXX, XXXX to XXXX XXXX, XXXX, XXXX XXXX XXXX added additional fees under miscellaneous posting, property inspections, due date adjustments. ( see XXXX XXXX XXXX Transaction History, Exhibit XXXX-XXXX ) At a Hamp Modification Event in XXXX, I gave a copy of the exhibits in this complaint to XXXX XXXX of the U.S. Department of Treasury. I also gave XXXX XXXX, a full Hamp Modification package in which she verified with XXXX XXXX XXXX XXXX that it was complete. One of the questions I asked XXXX XXXX was XXXX XXXX going to help the XXXX people or was he blowing smoke. XXXX XXXX and I talked, she gave me her card and told me to contact her and later sent me a letter. ( See XXXX XXXX, Dept of Treasury Card, Exhibit G ) On XXXX XXXX, XXXX, Attorneys XXXX responded for XXXX XXXX XXXX and Bayview Loan Servicing stating the following on page XXXX, Paragraph XXXX. 
" XXXX XXXX XXXX 's records further that the Borrower entered into XXXX Loan Modification Agreements effective XXXX XXXX, XXXX and XXXX XXXX, XXXX, copies of which are enclosed for your reference. '' ( See Attorneys Blank and XXXX letter date XXXX/XXXX/XXXX, Exhibit H ) What is important to note is the copy of the XXXX XXXX, XXXX modification enclosed for reference supplied to us via the Consumer Financial Protection Bureau is n't the modification we signed. ( See Modification Exhibit E )

Company response to consumer: Closed with explanation