Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX XXXX! 
From : XXXX XXXX, cell # XXXX Address : XXXX XXXX XXXX XXXX, Md. XXXX Subject : HAMP Incorrect Denials/Unlawful Foreclosure Practices/Dual-Tracking/Robo-Signing/Fraud by Loan Servicer and Lawyer Foreclosure Mills..ect.. 

XXXX XXXX XXXX, I am writing to you in the hope of finding much needed help with the situation I find myself in at this time. I did n't realize as the average American Homeowner that I could ever find myself in a situation of facing an unjust foreclosure. I thought that this situation was happening to me only, but since I started to look for much needed assistance, I have come to realize thousands of American Homeowners share my same story to varying degrees. I will try to get straight to the point but there is just so much wrong with what the Loan Corporations and the many other entities are doing to us. Please bear with me as I try to stay on track. 

My situation started with a refinance of my mortgage that closed on XXXX XXXX, XXXX at XXXX XXXX in XXXX XXXX Md. The broker was XXXX ( I may not have names exact ) and my home is located in XXXX XXXX Md. I believe my refinance was XXXX of the many predatory loans being pushed unknowingly on homeowners at that time. I was approached on several occasions by XXXX XXXX, an agent of XXXX of XXXX XXXX Md. XXXX XXXX told me that it was a great time to refinance existing mortgages and to put oneself in a better financial state if acted on sooner than later. This went on for a few months until I finally agreed to see and listen to what she and XXXX had to offer. She provided several documents leading up to a closing such as Good Faith Statements, XXXX XXXX, types of loans, all with differing rates and amounts, too much to keep track of. Needless to say conversations day to day with XXXX XXXX differed from the previous day, it was very confusing, but she swore she knew what I needed and could provide the best refinance in my favor. Myself, not especially experienced in the field of financial mortgages gave XXXX XXXX along with XXXX faith in doing what was in my best interest and according to them, they were the experts in this field and could be trusted. 

Obviously I was naive to the illegal practices going on and in reality I would never have expected these types of activities from the many large corporations and that they were actually getting away with what they were doing to the many citizens of our great country. It was just way too big, something really hard for me and many others to wrap our heads around! 

At the time leading up to my refinance I had never been late on my mortgage responsibilities. Bottom line, purchasing and owning your own home was the XXXX dream. At closing all information provided to me prior to, was not what was presented to me at the table. We should have walked in hindsight but we were encouraged and pressured by XXXX XXXX and the XXXX closing agent that any discrepancies were to be easily fixed. There were also many undisclosed differences that I would not have even picked up on or expected under the situation. 

XXXX XXXX of XXXX Now looking back during this nightmare, I am now becoming aware of the deceit and illegal activities that are today still running rampant throughout the different states. All stories/cases too alike, to spread out, to be considered just a coincidence. What is going on in our country to too many hardworking American Homeowners is no less than theft of our homes and the lining of pockets in big Corporate America. Reading the ongoing court litigations and Judges Opinions, I have come to conclude that some are starting to get it while others wrongly think it is the homeowner trying to get over, to get a free home, really? My XXXX XXXX is high now, ( CONTINUED )

Company response to consumer: Closed with explanation