Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, Re : Bayview Loan Servicing , LLC & XXXX XXXX XXXX, 2015I am writing this letter in response to your letter dated XXXX, 2015. Your letter claims that I stated that we were delinquent ; which is false and I am disputing this. In fact, I have said since XXXX that we are NOT delinquent and have been asking for this to be resolved since XXXX sold our home mortgage loan to Bayview Loan servicing in XXXX. I called both companies at the time of the transfer of servicing and was told that all of the issue had to do with the transfer of servicing and I needed to wait out 60 days until XXXX and Bayview worked out the transfer of information. I repeatedly asked for information regarding payment processing showing where my payment was applied. XXXX XXXX, 2015 I sent an email to XXXX asking for clarification of my " lost payment '' at the time of the transfer of servicing. The correspondence dated XXXX XXXX, 2015 from Bayview is the first time I am hearing ANYTHING about the payment of XXXX 2015 being applied as the XXXX 2015 payment. The transfer of data between your companies is not something that I should have to wait 5 months to get a clear written response for. I have documented more than XXXX phone conversations where I have requested information, provided you with money order and cashier 's check numbers to prove payments. I am always told by Bayview field agents on the phone " I have noted the account ... please wait 60 days for it to be cleared '' or " I have requested a review of your account '' ... I have called EACH month, sometimes several times each month to have this issue resolved. I have spoken to " Supervisors '' ( XXXX & XXXX XXXX ) and have exuberantly expressed my frustrations of the poor communications regarding this situation to no avail. 

The many issues I am disputing, pertains to the transfer from XXXX to Bayview in XXXX. First of all, why are we being " sold " to a debt collector instead of another mortgage lender. Secondly, we believe we are current with our payments and have supplied documentation to prove our belief. Our payment was made in person at a XXXX XXXX branch, to XXXX on XXXX XXXX, 2015. I have submitted via fax & email documentation regarding this payment made to both companies. I have further investigated to make certain that this payment was received by XXXX and have confirmed that it cleared on XXXX, XXXX 2015. My account with XXXX was within my grace period for my XXXX payment when the transfer of servicing occurred. As previously stated, that payment cleared XXXX XXXX, 2015 for a payment that I processed XXXX XXXX, 2015. Thirdly, this letter has also been written to dispute the claim that we owe {$10000.00} on a " XXXX mortgage ''. At no time did we sign any documentation for a " XXXX mortgage '' through XXXX or Bay View. The claims by Bay view that we owe money for a " XXXX mortgage '' are FALSE. 

For whatever reason XXXX bank and Bayview Loan Servicing , LLC have been unable to " fix '' these issues even when sufficient documentation has been supplied. I consider this harassment and undue stress upon my family. I have directed this letter to the Federal Trade Commission for abuse under the Fair Credit Reporting Act and the Debt Collection Act, the Florida & Wisconsin Attorney General 's office, and The XXXX. 

Sincerely,

Company response to consumer: Closed with explanation