Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
After XXXX years of trying to modify a mortgage with XXXX XXXX XXXX and writing XXXX different Chairman of the XXXX XXXX XXXX XXXX XXXX and writing the Comptroller of Currency with complaints about the lack of the process of the modification and being paper worked to death XXXX of XXXX XXXX XXXX XXXX switched service providers to Bayview Loan Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX. The loan number is XXXX. I suppose that it got hot and heavy with the Comptroller of Currency so XXXX XXXX XXXX switched service providers. I have been in contact with XXXX XXXX, asset Manager, Bayview Loan Servicing , LLC . XXXX 's phone number is XXXX and fax number is XXXX. Every time XXXX XXXX conversed with me. I informed him that I wanted a principle reduction loan modification. On XXXX XXXX, XXXX an exterior evaluation Broker 's Price Opinion was completed by XXXX XXXX who represents XXXX XXXX XXXX. XXXX XXXX 's contact number is XXXX. The market price as is XXXX and Broker Estimated Market Price is XXXX. Now 5 month later, XXXX XXXX, XXXX I receive another Broker 's Price Opinion Exterior Evaluation from XXXX XXXX from XXXX XXXX XXXX contact phone number XXXX. The Broker Estimated Market Price XXXX and Broker Estimated Market Price XXXX. Miraculously the price increased XXXX in just 5 months Now you can look up the story in the media. In XXXX XXXX XXXX 4 XXXX in my house. XXXX ( XXXX ), XXXX and XXXX XXXX along with XXXX 's new boyfriend XXXX were slaughtered and tortured in my house. The property needs approximately XXXX to XXXX worth of repairs : pool, deck over canal, boat lift and poles, windows, cabinets, holes cut out of floors and walls from XXXX investigation, floors, XXXX. Now this latest evaluation coincides with a offer of a modification for unpaid principal balance of XXXX. The Capitalized XXXX amount of XXXX. I will forward to you copies of this complaint with the above paperwork. The modification payment of XXXX is due XXXX/XXXX/XXXX. The property is worth about XXXX. I am not going to sign the paperwork and agree to these terms. I want a principle reduction modification. 
The main reason I am writing this complaint to you is because in XXXX when I originally purchased the property for XXXX. I put XXXX as a down payment and after I researched the property values a little more. I saw that the family that I purchased the house from paid XXXX in XXXX. I phoned XXXX who was the original mortgage company and informed XXXX that I did not want to go through with the purchase of the property because there was no way the value could realistically go from XXXX to XXXX in just XXXX years. XXXX informed that if the property appraised at XXXX and I did not go through with the contract. That I would loose my XXXX down payment. Now of course the financial institutions were sleeping with the appraisers and the house once again miraculously appraised at XXXX. So I was forced to proceed or loose my XXXX down payment. Now lets fast forward to now XXXX XXXX. I owe XXXX and the property evaluates at what I owe on it. In XXXX months the value in XXXX XXXX increases by a XXXX. With the XXXX and the condition of the property. Deja Vu all over again. I moved to XXXX in XXXX because my wife at the age of XXXX found out she was adopted and we moved to XXXX XXXX to be with her biologically mother and XXXX siblings. I purchased my first property for XXXX K cash then we wanted to purchase XXXX XXXX XXXX, XXXX XXXX. which was next door to my wife 's biological mother. After I put the XXXX down and researched. I new that the property was not worth it.

Company response to consumer: Closed with explanation