Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
To Whom It May Concern : I am writing you this complaint pertaining to Bayview Loan Servicing LLC. I have been trying to work with this lender on obtaining a modification for my primary residence. From the beginning of this process of this year - to the present I have been lied to, deceived & received numerous fraudulent predatory lending practices from Bayview Loan Servicing LLC. I have several fraudulent infractions against Bayview Loan Servicing LLC when applying for my modifications. I submitted four modification packets to Bayview Loan Servicing LLC & on all four of them they informed me that the packet was not complete, when actually all four were complete ( I have attached the correspondences for you to review and add to your records ). 

I was also informed that even though they received my modification packet that they keep the foreclosure sale active until they receive the complete packet. I informed Bayview Loan Servicing LLC that practice is unlawful. The reception of the modification packet is supposed to cease the foreclosure sale date while they review the modification packet received ( This predatory lending practice occurred four times with me ). I have attached the letters along with this correspondence for your records & to review. The letters from Bayview Loan Servicing are dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

All four of this letters from Bayview Loan Servicing LLC are in reference to a incomplete modification packet, when actually they were complete. I had to resend the same documentation again to them numerous of times. During all four instances the foreclosure stayed active. I have also attached receipts of the XXXX tracking confirmations of the loan modification packets being delivered to Bayview Loan Servicing LLC. 

Also, on XX/XX/XXXX I delivered a Quality Written Request & Complaint to Bayview Loan Servicing LLC. I  did not even receive no correspondence back from Bayview Loan Servicing LLC. I requested a Quality Written Request & Compliant due to the first request was not completed. I have also attached my Quality Written Request & Complaint for your records for you to review. 

The correspondence sent to me dated XX/XX/XXXX stating that I had until XX/XX/XXXX to send the documents in which that was the second time sending them in this modification request was denied. I informed the Asset Manager XXXX XXXX that I will be appealing this decision because this is my primary residence & that I am a XXXX Veteran & that this residence is equipped to assist me with my military service connected XXXX. 

XXXX XXXX informed me to email : XXXX for me to request an appeal of the decision. I also XXXX the correspondence as well on XX/XX/XXXX. I have also attached copies of the XXXX   tracking receipt & screen shot of the email sent to : XXXX I called XXXX XXXX a week after XX/XX/XXXX to check on the status of my appeal to escalations. I was Informed by XXXX XXXX that they received the escalation appeal from me & that they will have an answer for me within thirty days ( the 30th day would have been XX/XX/XXXX ). 

I came back from my doctors appointment on Thursday XX/XX/XXXX I received correspondence from XXXX XXXX XXXX that my primary residence is going into foreclosure on XX/XX/XXXX. I never did receive no correspondence from Bayview Loan Servicing about the decision of my escalation denial appeal. I called Bayview Loan Servicing LLC trying to communicate with XXXX XXXX to see what is going on with my escalations denial appeal. I was informed that XXXX XXXX call back schedule was full & that someone will call me back on Friday XX/XX/XXXX or Monday XX/XX/XXXX. 

I did not receive a callback on neither day. I received an automated message on Monday XX/XX/XXXX that the several call backs are full & to try back within a week. This is unacceptable. Bayview Loan Servicing is  deliberately ignoring my calls & still yet has not gave me a reason on why my escalation denial has not been granted. I requested in my escalation denial that my income has changed & that I am entitled by law for me to have another modification packet request due to my financial changes. I am entitled to a modification request by law. My experience dealing with Bayview Loan Servicing has been unprofessional. 

They do not follow the federal guidelines for FHA loans & modifications. I am seeking to stop your predatory lending practices & grant me my modification & stop that unlawful foreclosure immediately. All of the documents are attached per all of the instances mentioned above. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation