Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau SUBJECT : BLS # XXXX | XXXX XXXX # XXXX | Unfair Business Practices and Predatory Lending. 

Dear Service Representative, I need your help. I am a XXXX-year XXXX XXXX XXXX XXXX. My XXXX loan # XXXX was transferred to Bayview Loan Servicing , LLC ( BLS ) in XX/XX/XXXX.  My new loan number is XXXX in XX/XX/XXXX. I am being treated unfairly by Bayview Loan Services, LLC since day one. 

On XX/XX/XXXX, my wife received from XXXX XXXX XXXX, via secure e-mail, a Trial Period Mortgage Modification Plan ( see Exhibit A ). XXXX XXXX XXXX signed the TrialPlan. Bayview Loan Serving, LLC. pretends for us to start paying a Trial Period for a loan modification that we know almost nothing about. If we do not agree to the Trial Period, Bayview will take me to Foreclosure Court on Tuesday, XX/XX/XXXX ( see Exhibit B ). I find this unacceptable, inappropriate, unconscionable, malevolent, and outright evil. Bayviews Loan Modification Trial Payment Plan does not comply with the TILA-RESPA Act. 

On XX/XX/XXXX, my wife wrote a letter to the President of Bayview Loan Servicing , LLC. In this letter, she requested in writing a principal reduction, a portion of the debt to be forgiven and all penalties and late fees to be waived. Bayview Loan Servicing , LLC never acknowledged the receipt to her letter. We have a post office receipt that confirms that this letter was delivered and signed for by the employees of Bayview Loan Servicing , LLC. 

My wife wrote her second letter to the President of XXXX, XXXX XXXX XXXX, on XX/XX/XXXX ( see Exhibit C ). We were without electricity and internet until XX/XX/XXXX due to Hurricane Irma. Therefore, we had to Express Mail the letter to XXXX XXXX until XX/XX/XXXX. In this letter my wife asks XXXX XXXX specific questions regarding her XX/XX/XXXX letter, and our XX/XX/XXXX Loan Modification Trial Plan. 




Evidence : XXXX XXXX XXXX is the former Transaction Manager for XXXX XXXX XXXX. XXXX XXXX has a very bad reputation in the Real Estate and Banking industry ( see Exhibit D ) XXXX XXXX has engineered Bayview Loan Servicing , LLC. from the bottom up to be 10 times worse than XXXX and XXXX XXXX. If you search the Bayview Loan Servicing, LLCs address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX on : XXXX XXXX XXXX you will find that XXXX XXXX XXXX , the President of Bayview Loan Servicing, LLC., and his leadership staff have their names on over 20 different State of Florida LLC entities that are registered at : XXXX XXXX De  XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ( see Exhibit E ). 

Based on the attached exhibits you should have enough evidence to investigate Bayview Loan Servicing , LLC. for engaging in : 1. Unfair Business Practices. 
2. Predatory Lending.

3. Dealing in Bad Faith.

4. Violating the TILA-RESPA Act.

5. Intentional Infliction of XXXX XXXX on persons with XXXX. 

In summary, I want to keep my home. This may no longer be possible. If you can help me that would be great. I believe that every U.S. citizen needs to be treated in a fair manner regardless of race, religious beliefs, or XXXX. I believe that U.S. citizens should not be preyed upon by powerful corporations. BLSs Unfair Business Practices must be investigated and stopped. Bayview Loan Services, LLC.s Unfair Business Practices do not only affect me, they also have a negative effect on every hard-working tax payer in the U.S.A. Bayviews corruption and greed will continue to destroy Americas economy if left unchecked. If there is anything that I can do to assist CFPB in bringing the Bayview Loan Servicing , LLC. XXXX to justice please contact me immediately. I live 30 minutes from their headquarters in XXXX XXXX and have already done some research on them. I look forward to your reply. Thank you. 

Respectfully, XXXX XXXX, XXXX. 
XXXX Veteran

Company response to consumer: Closed with explanation