Consumer complaint received 12/28/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: This is a follow up to Case # XXXX I filed against Bayview Loan Servicing. I am responding to the lies and the deceit that Bayview and XXXX XXXX XXXX. Why would I not forward a XXXX form to XXXX XXXX XXXX? Why would I write the Comptroller of Currency Chairman, XXXX XXXX XXXX XXXX Chairman, The Chairman of CFPB and not send in a XXXX page request to complete my modification. I have always sent in all the paperwork. I did not pay the last modification because I want to see everything and know everything about the agreement I am making and paying. The under hand and deceitful and sneaky way these modifications are completed are criminal. Once again the Monkeys are controlling the zoo. They reply with lies to the CFPB and you close the case. Bayview is controlling the CFPB. The CFPB is not looking into this matter or helping the consumer. The CFPB is being controlled and assisting Bayview and does not care XXXX for the consumer. I forwarded proof on the inflating the price of this property and the CFPB has not done a thing. All Bayview had to do is reply with a stack of lies and the CFPB drops the case. I would like a letter informing me to whom I have to write that over sees the CFPB. I Informed the CFPB that I was residing in XXXX XXXX XXXX, XXXX Fl. XXXX and sleeping on a blow up bed. My wife was sick and tired of the games that the financial institutions play with paper working the customers with and the lies : the rubber stamping and all these illegal foreclosures that the Florida courts and Judges should be prosecuted. They allowed foreclosures that the Financial Institutions admitted to doing illegally to proceed and be foreclosed on. I went and worked at XXXX XXXX XXXX as an XXXX XXXX. I was paper working the clients of XXXX XXXX XXXX because the Financial Institutions did not have the required work force to handle the amount of properties under water in Florida. Also, the Financial Institutions always presented the best solution for them not the customer. XXXX or XXXX different programs were available and if the customer did not ask ( The customers had no idea and were hysterical with the thought of loosing there house and being thrown into the streets. ) I was sick to my stomach. I was doing to XXXX XXXX XXXX customers what XXXX XXXX XXXX was doing to me when I called. Paper working me to death. I was residing in XXXX XXXX XXXX, XXXX Fl. on a blow up bed and noting else in the house. My wife was up XXXX because she was sick and tired of all the false hope. I was woking at XXXX XXXX XXXX XXXX Fl. XXXX XXXX XXXX XXXX declined the modification after 10 month saying that I was not residing in the property. I have the pay stubs for proof. I am copying the lies stated by Bayview in their response to my complaint. Attached is a copy if the nonapproval notice issued by XXXX XXXX XXXX on XXXX XXXX, XXXX in response to XXXX XXXX request for assistance under the XXXX Department of Justice and State Attorneys General XXXX Program ( " XXXX '' ). The request was not approved because he did not complete and submit all the documents requested. XXXX XXXX, XXXX Bayview issued a nonapproval for this program because it was determined the subject property was not owner occupied. 
Based upon the ineligibility of the subject property under the XXXX program Bayview reviewed the modification assistance request under the Making Home Affordable Modification Program ( " XXXX '' ) and the Bayview Loan Servicing alternative modification programs. 
To address item XXXX above : The exterior Broker 's Price Opinion completed on XXXX XXXX, XXXX was completed by an independent licensed vendor. Bayview has no control over the valuation provided for the vendor adheres to the Uniform Standards of Professional Appraisal Practices for the state of Pennsylvania. The vendor acts as an unbias

Company response to consumer: Closed with explanation