Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
The Loan Modificationl agreement showed a Deferred Principal Balance {$37000.00} no interest applied, payment due when house is sold ), Interest Bearing Balance {$320000.00} ). I was paying my mortgage through this Variable Interest Loan Modification Program ( see insert from agreement attachment A ). With the final increase in interest 4.75 % and Bayview applied the full annual tax charges which ncreased my monthly mortgage an additional {$380.00} which put me right back where I was prior to loan modification and I could not afford to pay my mortgage due to existing illness. My last payment to Bayview ( XX/XX/XXXX ) in the amount {$1400.00} ( see bank statement attachment B ). Because of recent XXXX, XXXX XXXX XXXX. At present my current income is around ( $ 300-600 ) in my home base business ( sell stuff on the internet ), plus social security ( {$1700.00} ).  I know I need to increase my home base business to at least {$3000.00} per month plus social security. Lender interest year ( s ) Year XXXX XXXX XXXX ( XXXX ) 2 % 1-3 years XX/XX/XXXX XX/XX/XXXX 3 % 1 Year XX/XX/XXXX 4 % 1 Year XX/XX/XXXX 4.75 % Thereafter XX/XX/XXXX I also qualified since XX/XX/XXXX within my County, ( XXXX XXXX, Virginia ) for a Senior Property Relief Program ( see Tax Relief Document ( see Attachment C ) due to my age and income. XXXX recognized my annual waiver regarding XXXX XXXX County Property Taxes and adjusted my mortgage to reflect that. XXXX did its final escrow review approximately XX/XX/XXXX and my mortgage payment for XX/XX/XXXX was {$1200.00} ( see attachment D1-3 ). My mortgage was sold to : XXXX XXXX XXXX XXXX XXXX Service By : Bay view Loan Servicing, LLC Loan Number : XXXX Sold Date : XX/XX/XXXX Bayview did an Escrow Analysis on my account and increase my monthly mortgage payment from {$1200.00} {$1600.00} which was an increase of {$380.00} ( remember Im already under a loan modification program ). Their erroneous calculations caused me to fall behind on my mortgage per Bayviews calculations. When I made Bayview aware that I was in a Tax Relief Program and that I did not pay full annual taxes on my property, they refused to acknowledge the tax relief program and have left my mortgage payment {$1600.00} which they state is my current mortgage payment. They had done this for over a year and a half. I have had two law firms XXXX XXXX of XXXX, VA ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX XXXX, XXXX XXXX, CA to negotiate on my behalf for a loan modification yet Bayview will not roll-back my taxes from {$4200.00} - {$38.00}. I was advised by XXXX to not pay my mortgage while they were negotiating my case with Bayview. Bayview was adding various charges to my escrow account stating that my escrow was short and they applied corporate money to the account and charged me various fees throughout the process. Again just to recap, attached you will find the first escrow analysis dated XX/XX/XXXX ( see attachment E ), another statement dated XX/XX/XXXX showing the {$1600.00} mortgage payment including a fee ( see attachment F1-2 ), another escrow analysis dated XX/XX/XXXX where they did roll back the mortgage but the damage is done because of all the pass errors in my escrow and added fees ( see attachment G ) Finally, after reviewing all the responses, I think all the agencies I contacted, ( Attorney General Office, copy of response on files, and Consumer Financial Protection Bureau, CFPB, case # XXXX copy of response on files ). The law firms, XXXX XXXX ( as a membership ), and XXXX who Law charged me {$3700.00}, in an attempt to get my mortgage reduced ( see attachment H1-2 ) have all failed, by not really reviewing in detail or requesting information of escrow documentation, payment history and additional fees. All parties only took into consideration what Bayview states in their response to all the inquires. I have shown what my interest rates were over the life of the loan modification agreement, I have been in the tax relief program since XX/XX/XXXX XX/XX/XXXX, my annual property tax bill is {$38.00}, my homeowners insurance has grown too no more than {$1200.00} per year. After the recent failure of XXXX XXXX XXXX was unable to get my mortgage reduced, I received a mortgage statement from Bayview showing my mortgage amount is still {$1600.00}. The attorney executing the foreclosure ( schedule XX/XX/XXXX, see attachment I ) send me a letter showing the total debt as per Bayview is {$340000.00} ( see attachment J ), because of interest, late charges, and other fees. You need to ask for payments and escrow history since they purchase the mortgage in XX/XX/XXXX XX/XX/XXXX. I also wanted to show you my mortgage payment history from my bank account from the time Bayview/XXXX XXXX purchased my mortgage till now. ( see attachment K ). I am hoping you will take a deeper look at my situation, I will be XXXX years of age in XX/XX/XXXX, Ive been in my home for 18 years. Yes Ive make some mistakes but Im just not going out like this. Please take another look, thank you for your anticipated assistant in this matter.

Company response to consumer: Closed with explanation