Consumer complaint received 2020-03-11 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: CT

Complaint narrative:
Please see case number XXXX Which Bayview responded and completely lied about the results they did not put me back in the forgiveness program like I was in rolled in XX/XX/XXXX. They advised to CFBP that on XX/XX/XXXX they offered me a loan modification and the forgiveness program and I defaulted that is untrue and that is a lie as of Yesterday XX/XX/XXXX They still will not answer me as I have been waiting for four months since XXXX for them to enroll me back and the forgiveness program every time I call them they say they will get back to me and they let months go by so I have been calling about this since XX/XX/XXXX and they still have not come back with an answer and now they have made me an additional 4 monthly I can not make a payment to them they are reporting me late and all my credit report which has dropped my credit score into the 500s which I can not refinance with another mortgage company because of my credit score and what Bayview has done. They advised me back in XX/XX/XXXX that I was not in any type of foreclosure at all but as of yesterday XX/XX/XXXX they are advising me that foreclosure started in XX/XX/XXXX even though I was in a forgiveness program two months prior to that and had everything set up with them so they are violating the laws of dual tracking they are violating they are violating direct and ongoing access to personnel I do not have a phone number or an extension for XXXX XXXX the loan representative they are violating RESPA And the FCRA acts. I was in rolled in a forgiveness program XX/XX/XXXX and my first payment was XX/XX/XXXX which my payment was made I was in auto pay enrollment they are saying that it never took place and it never happened but they never sent me any letter stating that something was wrong. Also for 19 years I paid my taxes on my own with XXXX and all of a sudden Bayview wants to add escrow in my account they tried to send money to the city tax collector the tax collector rejected it as my taxes were paid and then they went ahead and sent them more money and pay taxes when escrow is not to be added in my account that is how my account is set up in my contract with XXXX there are tons and tons of reviews that these people at Bayview loan servicing are liars scammers and purposely dont call also for 19 years I paid my taxes on my own with XXXX XXXX  and all of a sudden Bayview wants to add escrow in my account they try to send money to the city tax collector the tax collector rejected it as my taxes were paid and then they went ahead and sent them more money and pay taxes when escrow is not to be added in my account that is how my account is set up in my contract with XXXX there are tons and tons of reviews that these people at Bayview loan servicing are liars scammers and purposely dont call people back so they could lose their home and go in for closure something needs to be done my first complaint you can see they responded and said that everything is taken care of nothing is taken care of they lied and what they told you Earlier this week I spoke to another gentleman by the name of XXXX  and he said I have a question I said sure he said what is the balance in your checking account how much money do you have in your checking account who are they to ask me what the balance is in my checking account. They are trying to say that I am delinquent in my taxes with the tax collector we pay our taxes in the rear when you make a payment its not for that current time youre paying on the grand list for the year prior and that is how the tax collectors office runs but Bayview is trying to say I am lying and thats not trueMy credit report needs to be updated correctly They are reporting me late for XXXX 30 days when my mortgage payment is not due until XX/XX/XXXX they are also report in XXXX late XXXX XXXX and XXXX when they are refusing for me to even make a payment because I am locked out of my account they are purposely stalling when I was in a forgiveness program so they can try to foreclose on my home

Company response to consumer: Closed with explanation