Consumer complaint received 2016-03-21
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

This is actually more of a 'GENERALIZED ' Question that I have that really puzzles me. I 'm losing over {$2500.00} a year on interest paid on my Mortgage because I 'm on XXXX and I do n't work and earn income to Claim or FILE TAXES. Year after year after year, I 'm leaving precious money on the table. Hard Earned money by the way that my wife & I desperately need. My wife is also XXXX, she was denied XXXX and we appealed it 3 different times. Now at XXXX years old, she is finally getting her SSI benefits. BUT, our Mortgage Loan is an 'INTEREST ONLY ' LOAN, Ithink, until it converts over in a few years after they get their money 'up front '. Mean while, WE GET NO RELIEF. I do n't think this rule is fair for people on SSI or XXXX who ca n't go work anymore. We are losing all that money anually. It 's really a sad thing to watch it go down the drain. I need a water heater, a new Air Conditioner, a Heater, I 'm upside down on my Loan. We lived on XXXX INCOME for over 8 years, we suffered like XXXX to keep our home and now we are in the process of getting a re-modificatio with " Keep your Home California '' Program to help reduce the Principle. I 'm praying it goes through and our Loan Servicer does n't deny us this great opportunity. BUT BACK TO MY MAIN CONCERN, the interest at the end of the year that we ca n't seem to claim with the IRS. Our Medical Co-Pay a few years back was set at {$3400.00} because we earned 'too much ' when we were younger. Now we got served with a {$7600.00} XXXX Hospital Bill from the County. Can you guys HELP ME RESOLVE THIS ONE? It 's a XXXX XXXX County issue, right? They want to put a Lien on my Property and they still want payments made. Ha!! We are as broke as sin, both living on Fixed incomes. This Medical Bill was way back before ObamaCare. They were no services available for Middle-Class Americans back then. They told me there was a 'Grey Area ' that we fell into and thus we had to sign a waiver to get treatment. I have XXXX XXXX XXXX, XXXX & XXXX. I went in because I was falling down by myself constantly and I got XXXX 4 times in a row. Having XXXX children at home, I was n't ready to die just yet. So, take your pick, which issue would you like to HELP ME WITH? A ) Interest payments I losse, about {$3000.00} a year. B ) Call the XXXX Hospital Director of Finance of XXXX XXXX County regarding our {$7100.00} Billl from XX/XX/XXXX-XX/XX/XXXX. The lady there is very RUDE with me. I sent a letter to the Govenor XXXX XXXX regarding this issue. He suggested I get ahold of the Board of Supervisors, I did, and the City Council & the State Congressman and they will call the Hospital. But I seriously doubt they give a XXXX. Why? XXXX is Bankrupt & they need every penny they can get. hahaha. My wife & I worked hard for 35 years paying INTO THE SYSTEM. Nobody that was in that Hospital room when we went looked like they worked a day in their lives, nor had a {$3400.00} a month Co-Pay like we did. Nobody that works for the City has a Co-pay of {$3400.00} a month for that matter, ask them. what does that tell you??. I had a " Life or Death '' situation, not a sprained ankle.We should NOT BE PUNISHED ANY FURTHER for errors the Government has made by NOT having adequate services for Middle-Class people.The same goes for the SSI & XXXX people who ca n't work, WHY CA N'T THEY GET THEIR REFUNDS BACK ON THEIR INTEREST THE 'VE ALREADY PAID?? IT 'S RIGHTFULLY MONEY THEY 'VE PAID ALREADY!!!! RIGHT? How can we HELP the XXXX leaving out stipulations. Are these unjustified or Justified?. *The only issue I have with my Mortgage Loan Company is they wanted a " Letter of Reaffrimation '' signed after I filed Ch.XXXX But Calif. Law does Not require it. So, they wo n't post my 'On-Time ' payments Credit 's to the XXXX Credit gathering Companies, so it DOES N'T show I OWN ANY property on ALL XXXX credit reports. So, I have bad credit. nice guys