Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

The property in question is my family home since XX/XX/XXXX. My father has an ARM Mortgage with XXXX XXXX XXXX, Payment is about {$480.00}. 2 weeks prior to my fathers death, he quit claimed the home to my mother, his spouse ( XXXX XXXX aka XXXX XXXX ) of 48 years. My mother took over the home mortgage. The mortgage payment had no Escrow or Insurance Payments with the mortgage payment. Then my mother died. The house went into her Estate and the Property Taxes due went stale due to the house being probated in her Estate Will. I continued to make the mortgage payments as required. Taxes for XX/XX/XXXX were waived due to her Estate in Probate. About XX/XX/XXXX a XXXX County Probate Court Executor 's Deed was made and placed the house in to my name ( XXXX XXXX ). XXXX XXXX XXXX  was notified in writing and told that I was the property owner and responsible for the mortgage and house issues. I was then sent a letter notifying me that I was place as a contact for the loan and allowed to make property payments. 
Then about XX/XX/XXXX XXXX XXXX XXXX  went paid a non-existent property tax bill to XXXX County. They did this without without any communication with me inquiring about the tax bill or any other issues. 
Then in XX/XX/XXXX I receive a letter stating they are placing an Escrow Account on the Mortgage for payment of the Taxes. I then call the toll free number and also send a letter disputing the actions. In the telephone call, I am told that someone one will call me back. 
I hear nothing. I make the payment on the fist of the month as usual. XX/XX/XXXX, XX/XX/XXXX. I receive another statement from XXXX stating that I am late on the Mortgage. 
I go and make a Payment on XX/XX/XXXX and XXXX accepts the Payment but gives me a hard time to make the payment. The accept the payment. I called again to dispute the Property Tax Issue and on XX/XX/XXXX I sent another letter to XXXX XXXX XXXX, addressed to XXXX XXXX to make an official objection to the way my mortgage account is being handled and to file an objection under the Fair Debt Collection Practices Act. 
Then I received an XX/XX/XXXX Statement and I made the payment. I find out later when I receive the XX/XX/XXXX. Statement that the XX/XX/XXXX payment is being held in suspense and not posted to any account. I called the XXXX toll free number, and attempt to talk to a Representative. They tell me that they see where I have called previously and someone will contact me. I then send another letter to XXXX XXXX XXXX  making my objections known. 
Then on XX/XX/XXXX I receive a Debt Validation Letter from Bayview Loan Services, LLC advising me that they are attempting to collect a Debt on the Loan. I then called XXXX XXXX XXXX  and they advised me that the Mortgage was sold to Bayview Loan Service and XXXX XXXX XXXX   could not help provide me any information, I need to contact Bayview Loan Services. I have several disputes pending under the Fair Debt Collection Practices Act waiting on XXXX Responses and communication. 
I then contact Bayview Loan Services and they tell me they can not provide me any information. I need XXXX XXXX ( My father whom is deceased ). They make me upset. I then wrote a another letter addressed to XXXX XXXX XXXX  and Bayview making my Objections Known and disputing everything that has happened. This is the 4th Objection I have sent to XXXX XXXX XXXX in writing and the first to Bayview. I make an Objection to the Debt Validation Letter and the purchasing of the Mortgage that had previous accounting disputes in the account. I am being charged fees, interest and even taxes that they paid that were not due. Now Bayview is assessing their own fees and taxes, plus the purchasing of the mortgage has lost any standing objections that I previously had made. 
On XX/XX/XXXX I sent Bayview the Objection Letter with signature receipt requested, I enclosed the {$970.00} for the payments of XX/XX/XXXX & XX/XX/XXXX and requested them to be posted. 
No one will communicate with me about these issues and XXXX is attempting to stick me with a Tax Bill that they paid, that was not due. On XX/XX/XXXX Bayview purchased the Mortgage from XXXX XXXX XXXX  without notifying me and, Bayview Loan Services went and paid the XXXX Property Taxes that were not due. I found out when I went to pay them. Bayview Loan Services is trying is adding fees and interest that is not even valid and this is in addition to the issues the started with XXXX XXXX XXXX  and I have no avenue to talk to anyone because I keep getting the runaround.