Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
DATE : XX/XX/XXXX TO : Consumer Financial Protection Bureau FROM : XXXX RE : Complaint : Bayview Mortgage Application Dear Sirs and Madams, This complaint has three parts : 1. Extremely lengthy and scrutinizing loan review process ; 2. Error in the final mortgage approval decision ; and 3. NO Response from Bayview for clarification and correction. 

1. Lengthy/Scrutinizing Review. I initiated an application for a mortgage modification with Bayview Loan Servicing several months ago in XX/XX/XXXX. It took Bayview 6 months to review and reach an approval decision on this application. During the loan review process I was required to submit many documents including bank statements, contract agreements and letters. Bayview at times requested the submission of the exact same documents and information from me. This process felt extremely and unusually lengthy and scrutinizing. It was confusing and intrusive making the continuing uncertainty and requests for documents XXXX. However, throughout this process I complied with each request and in a timely manner. See attached email communications A, B and C. 

2. Error in Mortgage Amount Calculation. In XX/XX/XXXX Bayview approved a loan amount to be paid in a three month " Trial Period '' beginning XX/XX/XXXX through XX/XX/XXXX. The amount was not based on the information that was provided to Bayview but was higher and based on an INACCURATE salary of {$3800.00}. The difference between the original mortgage as of XX/XX/XXXX and the approved amount in XX/XX/XXXX was only {$120.00}. This was in error and did not constitute the kind of relief I was lead to be believe would result from the loan modification. See Document D. 

3. No Respone from Bayview for Inquiries. In XX/XX/XXXX after receiving the information about the approved loan amount ( that was an error ) I wrote an email to Bayview requesting clarification on how this inaccurate amount was reached and for a correction. I made four attempts to obtain a response from Bayview on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There was no response from Bayview to my inquiries. The only reply was short sentence received on XX/XX/XXXX which stated : " Give me a moment to review and answer all questions ''. There has been no further response from Bayview to this date of XX/XX/XXXX. See Documents E, F and G. 


To date I am working out of the country and have requested that Bayview provide any information and documents to me via email - as they have done since XX/XX/XXXX. Additionally, I have completed the three-month trial mortgage period by making on time payments of {$1100.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was done not that these payments are affordable and should have been based on the income information submitted to Bayview - but were made to successfully comply with the request in the XX/XX/XXXX approval document. 

With kind regards, thank you for your assistance and consideration. 
XXXX

Company response to consumer: Closed with explanation