Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX Bayview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX transferred to Bayview Loan Servicing by XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX. Transferred by XXXX XXXX XXXX, XXXX XXXX with multiple credit inaccuracies. Became aware of the issue only during the Summer. Several calls to Bayview Loan Servicing before actually finding a customer service representative who took either the interest or time to take all of the details regarding the loan account. He identified four errors in just one month as reported by XXXX. A full report was made to XXXX, as well as request for a complete audit of the account to be made by XXXX with the results of a completed audit to be reported to both myself and Bayview. I also contacted XXXX and reported the credit reporting and account errors. The audit by XXXX confirmed multiple errors, that there were no late or missed payments as reported to Bayview Loan Servicing. I recieved the report from XXXX identifying the errors and that these had been corrected in their report, as well as the findings totally provided to Bayview. I recieved a report from Bayview of the results and that correction action had been taken on their part. However, after a few months, they have begun to report a late payment once again, which appears on all of my personal credit reports. As I had a chapter XXXX bankruptacy, the loan was listed in court filings, documents ; however, I continued, was responsible to make the monthly payments on time individually, not through the court, which I have done and can document. The bankruptacy was discharged XXXX XXXX, XXXX. However, this has not been recorded to update my file. I have attempted to correct the latest inaccuracies, but they WILL NOT DISCUSS THE MATTER, CASE, ACCOUNT because of the bankruptacy. I recieved from the attorney representing my case a certified letter from Bayview Loan Servicing LLC,  a NOTICE OF DEFAULT AND INTENT TO ACCELERATE on my loan and property beginning on XX/XX/XXXX. I have made numerous calls to Bayview, they refuse to discuss as they assert I am in litigation. I have absolutely no information to even address their error. Nearly 3 weeks ago my attorney faxed Bayview information of the the Bankruptacy Discharge ( XX/XX/XXXX ) at Fax # XXXX. After 2 or 3 calls to Bayview, they claim they have not recieved fax/documentation. This past week I spoke to another customer service representative who gave me another fax number, fax # XXXX. I again had to contact the attorney 's office, who again faxed the same information to Bayview. They are still claiming that they have not recieved the faxes. However, the attorney 's legal team has confirmation that Bayview has recieved the faxes. Both Bayview Loan Servicing , LLC and XXXX XXXX XXXX, XXXX XXXX has all of the information, the audits and reports of findings and corrective action taken on this mortagage loan. As far as I can discern from Bayview they will not even research and share the information with their departments to correct this dispute. As I write this I have been on hold with Bayview Loan Servicing , LLC litigation/mitigation department for 104 minutes, 39 seconds. I assert, I have no missed payments or late payments.All payments have been made, bank account confirmed with the exception of one payment which I called and made the payment by telephone out of the unapplied funds account which more than exceeded the payment amount. My credit reports show late/missed payments which have affected the credit score by a reduction of nearly 100 points. I do not feel that I should have to pay an attorney to litigate this matter. Given all the hours of time wasted because of their refusal to engage with me I have no recourse. I want this loan, this account and all that concerns it resolved, along with the credit reports fixed by Bayview and XXXX XXXX XXXX.
I would hope that the loan account could be assigned to a reputable mortgage servicer with all of the corrected information. The loan was sold to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX sometime ago ; I was never informed that the loan had been acquired by another investor. That I discovered by accident. IS THERE ANYWAY THAT I CAN BE HELPED by CFPB. I have no where to turn without paying legal fees to address this ; to litigate what is not legitimate claims by Bayview Loan Servicing , LLC. WHY? Why do I have to face the possibility of a court case and being evicted from my property when the loan is paid with no missed or late payments?

Company response to consumer: Closed with explanation