Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
My loan was purchased by XXXX from XXXX bank in XXXX XXXX Hired a debt collector Bayview Loan servicing Bayview hired an employee by the name of XXXX XXXX. XXXX XXXX contacted me and told me if I agreed to the payment plan and made the payments then she would waive all the late fees .I asked her if there was any unapplied principal and any other surprizes, but she told me with confidence that was all waived. 
I started to follow making payments. Then Bayview Loan servicing sends a person by the name of XXXX, this person did threaten me with my life. Around XXXX XXXX In XXXX, I was being charged insurance, I provided the insurance information to Bayview Loan Servicing. But They still kept charging me for insurance. As per the insurance department " The money Has fallen through the cracks. '', I am yet to receive my money back more than XXXX dollars, a clear voilation of RESPA In XXXX XXXX I made extra payments but as per the employees Bayview is not scared of the law. They own the law, and they started charging me for foreclosure .Even though my account was never in default. 
In XXXX XXXX, after talking several times to bayview loan servicing they said, it was their mistake, but they are not going to refund my money, as Bayview is not governed by any laws. This is a Clear indication of XXXX ( Racketeering ) Bayview ( under the Guidence of XXXX ) charged me for illegal fees like home inspection, which is not mentioned in the contract I signed with XXXX Bank the orignal mortgage company. Bayview charged me for laweyer fees to do an illegal forclosure. 
Bayview Charged me hazard insurance when they were provided several times proof that I had XXXX insurance. 
Bayview Illegally put XXXX as unapplied principal in my mortgage, when XXXX XXXX agreed, if I follow the payment plan, then that along with any fees would be waived. 
Bayview is another Company working under the XXXX of XXXX. Just like XXXX bank was doing mortgage back securities fraud, similar thing is happening with XXXX. XXXX is using debt collectors to do illegal activities, this was they can cook their books and make their funds look profitable. This would hurt the retirement of millions of Americans and the trust in the American Economy. 
Also, bayview is not listed on my Mortgage note, they are a servicing company, so they have no right to be on my credit, It should be XXXX. Bayview wanted to punish me so they provided inaccurate information to the credit agencies. I made a payment in XXXX andXXXX XXXX, but they reported it late, so that gives me more reason that Bayview llc is doing all Fraud. 
On talking to the employes, the employes do admit that they are doing fraud, by saying things like the money has fallen through the cracks etc. 
The attorney general will have a field day to see the complicated fraud that Bayview Loan servicing is playing. 
I have several documents that can be used to proved that Bayview performed XXXX, Respa fraud ( By illegally charging me for hazard insurance, when they knew I had XXXX ), Charging me for lawyer fees and inspection fees when I was not in default. AS per bayview employees they only charge for inspection when a mortgage holder was late on the payment s, but when I confronted the employee, he agreed that bayview did an illegal action, i was never late on my payments

Company response to consumer: Closed with explanation