Consumer complaint received 2016-04-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Bayview Loan finding doesNOT legally own my loan. My initial loan was originated by XXXX XXXX XXXX XX/XX/XXXX. On XXXX XXXX, XXXX ( one day before my FIRST mortgage payment was due I was sent a certified letter stating that I should not sent my payment to the address that was originally provided to me. I had quite obviously already sent my mortgage payment which was due on XX/XX/XXXX. I continued paying Residential Home Funding through XX/XX/XXXX, not knowing I had bee sold to a servicer AND bank that both ceased to exist. XXXX and any transfer of ABS was not made until XXXX XXXX. XXXX when I was served with foreclosure papers by XXXX, XXXX XXXX XXXX. Both the NEW assignment of mortgage note and the forclosure were under the name XXXX, with XXXX as the servicer and holder of my note, despite proper documentation being drafted some 7 months AFTER I had bee sold. Despite proving that I had continued to pay XXXX and then began paying XXXX, no knowing it was a deceased entity, no corrections were made to my balance, despite countless hours of calls and faxes proving I had always paid on time, but to the wrong company. This was never corrected and I was charged insurmountable fees and charges. Simultaneously my servicer and Note were sold yet again to XXXX XXXX XXXX, but with the note holder being XXXX. As XXXX and XXXX were intact deceased entities they did not properly and timely assign my mortgage to XXXX XXXX XXXX. Unbeknownst to me, I was yet AGAIN paying the wrong company and proper accounting never took place. I completed nearly 1/2 dozen HAMP, HOPE, and various loan modification documents for mediation with yet another forclosure mill, XXXX, XXXX, XXXX. After the first meeting, showing up to the second meeting where no one other than I showed up, I was never contacted again. XXXX never contacted me again and my foreclosure was mysteriously withdrawn. I should also note that ( more than 7 YEARS passed AFTER I, my note and servicer had been sold to XXXX and the " note holder '' XXXX ) and the XXXX paperwork was filed. This was also signed and transferred illegally via illegal XXXX documents that were filed within 6 days of my submission of a qualified Written Response. The actual transfer of my loan to XXXX was a document riddled with fraud as literally every signature on the document was a " known robosigner '' and in fact the notary is currently in Federal Prison for white collar crime. The fact that the first assignment of my loan to XXXX was illegal, XXXX York, XXXX, etc, have NO STANDING to represent a foreclosure upon my home and loan. In fact none of them ever legally owned it in proper. I therefore find it incredulous that ANY of the above parties have any standing in claiming that they are a servicer, much less the holder of the note and therefore can not execute a legal foreclosure upon my home. The loan, from inception, was Predatory in nature, which effectively removes XXXX XXXX XXXX from benign a place of standing for foreclosing upon my home. In reviewing and researching cases and the illegal activities of any and all of the aforementioned parties, I do not feel that any one of them are legally entitled to execute a foreclosure, as each and every one of the banks, servicers, lawyers and origination lender have ALL been a party to this continual violation of TILA, RESPA violations and Fraud upon myself and upon the Superior Court of XXXX, XXXX.

Company response to consumer: Closed with explanation