Consumer complaint received 2016-08-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow up complaint that started with the following reference Case Numbers XXXX and XXXX Both case numbers above started with a complaint against XXXX Bank who then responded that they never asked XXXX XXXX XXXX Bank to place our home under a modification and simply sent it to them. This was done even though our home was not in a state that even required a modification and after a XXXX representative did not respond to an email from us making payment. I have since recovered the email communication. 
After another case was opened against XXXX XXXX XXXX Bank for the second case, XXXX XXXX XXXX Bank responded that they will provide a response in 60 days. XXXX XXXX XXXX Bank which shares office location and even telephone exchange lines with Bayview Loans that is currently servicing the loans for XXXX XXXX XXXX Bank. Both XXXX XXXX XXXX Bank and Bayview loans submitted false documentation that I refused to sign and still have the copy of that false document. In addition XXXX XXXX does only has XXXX record of a modification that we completed with XXXX XXXX XXXX Bank and Bayview loans even though we have completed at least XXXX such modifications all of which was done while I was a XXXX on a XXXX in XXXX and coordinated with my wife back in XXXX. To date I have not received a response from XXXX XXXX XXXX bank This third complaint is against Bayview Loans after I found out they have started illegally processing a XXXX modification without my consent or signatures. They have not addressed the missing modifications that caused our current loan balance to be at least {$60.00} thousand higher than what it actually is. Bayview Loan also has agents that have been unprofessional and have actually been advising my wife to file a divorce because I have refused to back down from their corrupt and illegal modifications that were not reported to XXXX XXXX. Below is an email that was sent to Bayview Loans Escalation Unit dated on XXXX XXXX. They have ignored this report and started processing a modification without addressing my complaint. Ironically, it is XXXX processing a modification without m To the Escalation Unit ; XXXXXXXXXXXX ' and XXXXXXXXXXXX ' I am writing to report several discrepancies and outright fraud which has been reported to Federal Trade Commission upon referral from XXXX XXXX the source of the mortgage funds as well as to XXXX Bank 's Mortgage escalation Resolution Team. 

The first mortgage modification done in XXXX was illegal as I was within the timeframe to send the payments to XXXX bank but because one of their employees failed to do their job, we ended up in a modification that has set us on this course of the balance owed on our mortgage not reflective of the at least {$130000.00} of mortgage payments made since XXXX of XXXX when we first purchased the house for {$210000.00}. 

I have also completed several modifications since XXXX that were placed with XXXX bank whom you share office space with and none of these are recorded with XXXX XXXX the source of the funds to XXXX. 

One of your managers also had an inappropriate relationship with my wife and that conflict created a hostile situation which was recorded of one of your employees telling my wife to file for a divorce. 

The last agent XXXX also communicated information to my wife while she was in XXXX about funds I was to receive from a contract with the State of Georgia that has also led to a situation wherein conflicts have arisen with the property. 

Your office or XXXX XXXX XXXX bank also asked me and sent to me a document asking me to append my signature to a fraudulent change made to XXXX of the modifications. I have kept that document as evidence again of an attempt by your companies to fraudulently take our property from us. 
In addition, I am of the view that the current mortgage balance you are showing on record is wrong

Company response to consumer: Closed with explanation