Consumer complaint received 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

XX/XX/XXXX, XXXX transferred my loan service to Bayview Loan Servicing ( BLS ). Since I made my XX/XX/XXXX payment to XXXX, my payments were not starting until XX/XX/XXXX. During this time, I was at the last few months of my bankruptcy, and BLS had to submit a payment history, form XXXX, " Response to Notice of Final Cure Payment ''. This report indicated that I was 2 months behind. After review, I noticed discrepancies in the report. Based on my agreement with the court, I had to make all monthly payments. I submitted a inquiry to BLS along with information pertaining to my account to correct the issue. Over the last 9 months, I have been trying to resolve this issue. XX/XX/XXXX, I was given a point of contact, XXXX XXXX. My understanding was she was familiar with my account. She wanted me to apply for a loan modification. I told her I did n't want that, I just wanted her to review my account. She proceeded to tell me to go through the mod while case is being reviewed. Told her I would n't qualify, because I was working and making a nice income. A month goes by, not approved for the reasons I stated. It just seemed that BLS wanted me to endure more fees and {$750.00} appraisal fee. After all this, XXXX XXXX had none of my inquiries in my file and she could not even give me any information. Continued my inquiries into my account. On XX/XX/XXXX, I received a letter, I had to XX/XX/XXXX to bring my account current or foreclosure will be accelerated. On XX/XX/XXXX, I contacted BLS was given my point of contact for my account. His name XXXX XXXX. I set a phone meeting On Friday, XX/XX/XXXX, I started talking about my account and to discuss my inquiries into my account, to find out he has none of my information in my file. So 9 months of communicating and nothing in my file. I had to email all my documents so he could send to the research department for review. Since then, XXXX had communicated he would set up a payment plan and once the results from the review was complete, he would let me know. On XX/XX/XXXX, I received a response letter concerning my payment history from XX/XX/XXXX to XX/XX/XXXX, as well as, the missing 2 payment months BLS is stating I am missing. BLS could not supply me with any information prior to XX/XX/XXXX because they did n't service the loan. This is inaccurate because the BLS representative had to review my history to submit the form to my court trustee. This tells me that BLS has not thoroughly reviewed my account. My point of contact, XXXX XXXX, is doing the same thing XXXX XXXX did, trying to modify. I will not qualify because I work and my money to expense ratio is fine. It seems BLS just wants to continue to charge me fees rather than try to resolve my issue. I have supplied my bank statements, spread sheets, court docs, etc.. I even communicated to XXXX customer service. The last customer service rep I spoke with, stated that all payments were accounted for when account transferred along with my payment history. The rep did suggest I talk with BLS and have them re-set their bankruptcy system and log information.