Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

XXXX/XXXX/XXXX - Dear CFPB : Out of sheer necessity, the egregious ongoing situation with Bayview Loan Servicing , LLC, dictates that a XXXX complaint be filed with the CFPB. The first complaint ( Case # XXXX ) had to be filed earlier this year in order to accomplish resolution with Bayview and thank the CFPB immensely for stepping in and resolving that. From XXXX to XXXX/XXXX/XXXX, and ongoing, have made numerous attempts to have Bayview remove unnecessary Forced Placed Insurance on my home. Bayview has repeatedly been emailed/faxed documents that they themselves requested in order to remove the Forced Placed Insurance to no avail. Bayview adamantly refuses to remove the Forced Placed Insurance from my account and now are seeking foreclosure on my home in XXXX, XXXX. Bayview commands payment of the Forced Placed Homeowners Ins., $ XXXX/month for XXXX, included in my monthly mortgage to bring my account current. In my own personal experience with Bayview and opinion, it appears that Bayview perhaps is utilizing unethical business practices and maybe even illegal ones to unjustly enrich themselves at the financial expense of the homeowner. Homeowner 's insurance, that I pay for, has been maintained on the home since the loan inception in XXXX with no escrow accounts attached for either insurance or property taxes and no lapse in coverage. There has/is more than adequate hazard insurance maintained on my home. Bayview already had in-house/on-hand the insurance documentation to show proof of insurance for XXXX and XXXX and yet blatantly proceeded to commence with Forced Placed Insurance anyway. There have been times that the monthly insurance payments were late, yet the insurance company provided a grace period, the premium was paid, the insurance company accepted the payment with no lapse in insurance coverage. The following are Exhibits attached showing the actions from XXXX, XXXX to XXXX XXXX, XXXX date : Exh. # 1 - XXXX Email to Bayview XXXX XXXX Request for Insurance Carrier InfoExh. # 2 - XXXX Email to Bayview XXXX XXXX Request for Insurance Carrier InfoExh. # 3 - XXXX Email to Bayview XXXX XXXX Request for Proof of H.O. 's InsuranceExh. # 4 - XXXX Email to Bayview XXXX XXXX Request for Proof of H.O. 's InsuranceExh. # 5 - XXXX Email Response from Bayview On Docs Required to Remove Forced Placed Insurance - PARTICULARLY IMPORTANTExh. # 6 - XXXX Email to XXXX Requesting Ins Policy Declaration DocsExh. # 7 - XXXX XXXX XXXX H.O. 's Insurance Declaration Doc XXXX SetExh. # 8 - XXXX XXXX Declaration of H.O. 's Page XXXX SetEx. # 9 - XXXX Email to Bayview XXXX Set of H.O. 's Ins Declaration Docs Sent/1st Request to Remove Forced Placed Insurance From My AccountEx. # 10 - XXXX Email to XXXX - Inquiry Regarding Bayview Ins Dept. , XXXX, MIEx. # 11 - XXXX Email From XXXX - XXXX Set of H.O. 's Ins Dec Docs Originally In-House at BayviewEx. # 12 - XXXX FAX to Bayview, XXXX, MI Re Declaration of Ins DocsEx. # 13 - XXXX Email From XXXX - Bayview Insurance Dept AddressEx. # 14 - XXXX Bayview Pays XXXX Annual PremiumEx. # 15 - XXXX Email to Bayview - XXXX Request to Remove Forced Placed InsuranceEx. # 16 - XXXX FAX to Bayview, XXXX, MI Copy of XXXX Bayview Email attachedEx. # 17 - XXXX Email to XXXX Re Removing Forced Placed Ins From Foremost InsEx. # 18 - XXXX XXXX Refund Ck to Bayview for {$740.00} pymt. 
Ex. # 19 - XXXX Email From XXXX Bayview Again Attempts Forced Placed InsEx. # 20 - XXXX Email to Bayview XXXX Request for Ins Carrier InfoEx. # XXXX - XXXX Email from XXXX XXXX Set of Ins Declaration Docs to BayviewEx. # 22 - XXXX XXXX XXXX Set of Ins Decl Docs to BayviewEx. # 23 - XXXX FAX From XXXX to Bayview XXXX Set of Ins Decl Docs to BayviewEx. # 24 - XXXX Email From XXXX XXXX to Bayview - XXXX Request to Remove Forced Placed InsuranceEx. # 25 - {$14.00} Monthly Unjust Enrichment