Consumer complaint received 02/26/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: This is regarding complaint # 's : XXXX and XXXX. I had to submit a new complaint bc the dispute button wouldnt work. I would like for this to go to the attention of XXXX. On XX/XX/XXXX I sent a certified NOE letter to Bayview ( attached ). On or about XX/XX/XXXX I received an email from a XXXX to call him at Bayview. ( attached ). XXXX proceeded to tell me that Bayview, himself and his department were very sorry I was in foreclosure that it should have NEVER happended! I SAID I KNEW THIS AND WAS TRYING TO TELL BAYVIEW. Where this led me to was the most devestating financial crisis I have ever been involved in and am still trying to save my home from the reprecussions of that and OF THE newest foreclosure Bayview has in process with an auction date of XX/XX/XXXX ... .To continue XXXX said to me throw your foreclosure letter away, we will be putting a cancellation on that, we are also putting XXXX into a suspense account and will re-do the payments as per the bankruptcy plan and will be giving you a new payment and payoff. I said thats good news, are you also going to CREDIT my account all of the other wrong charges they placed on my account ( i.e., appraisals, misc fees, misapplication fees, late charges foreclosure charges, attorney fees, etc ... ) XXXX said Im sure the bankruptcy department will be going through your file with a fine tooth comb. I said OK. XXXX said call him back after XX/XX/XXXX and he should have all the information and we 'll go through at that time where I stand with my loan. I said OK and could I please get this in writing XXXX. He said he could not, but would tell the bankruptcy department that I am requesting a letter in writing stating that they made the mistake and are cancelling the foreclosure and redoing my loan with an audit on my loan. This was Wednesday before XX/XX/XXXX. On Friday after XX/XX/XXXX I received two certified letters that they were starting the foreclosure process again!! I had n't even received my letter from the bk dept of what XXXX and I spoke about 2 days ago. On that Monday XX/XX/XXXX I called XXXX to let him know of the letters I received and also to let him know I have n't received ANYTHING from him or the bk department about that we talked about but I am receiving ANOTHER FORECLOSURE letter. I 'm not happy bc after all XXXX you told me that my account is very sensitive and you will be on top of it and not to worry! It does n't look that way to me ... .XXXX told me he would get with the bk department and get this settled and to call in XX/XX/XXXX. I am attaching the 1st foreclosure cancellation, the email from XXXX and the so-called letter the bk dept was suppose to send me showing their audit and credits on my loan. What I got was an inhouse report that has codes I can not decipher and I do n't see anywhere on this report credits regarding my NOE LETTER nor do I see where they redid any payments and if they did I can not decipher what they have done, and on top this report came with NO LETTER addressed to me telling of our conversation we had. From this time until the beginning of XX/XX/XXXX I did my own research and purchased a Quiet Title for {$700.00} ( attached ) and also talked to a few attorneys ( consultation ) on what I should do. Some told me to file another chapter XXXX to stop the foreclosure which I had thought about but did not even have the money for that, which I still do n't believe I should have to I just completed a chapter XXXX in XX/XX/XXXX successfully. Then I tried to sue Bayview, but do not have NEAR ENOUGH money to get that going ( have tried pro-bono and legal aid ) I am XXXX to rich for any legal aide support and NOT rich enough for hiring an attorney. I was in the process of going to federal court on my own ( prosec ) to sue Bayview for this entire financial crises they have put me in.. ( continued.

Company response to consumer: Closed with explanation