{"took":601,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6067392","_score":16.471386,"_source":{"product":"Debt collection","complaint_what_happened":"TIMELINE AND VIOLATIONS OF LAW - I AM UNABLE TO UPLOAD SUPPORTING DOCUMENTS ON CFPB WEBSITE Letter Dated XX/XX/XXXX - Notification by XXXX  XXXX XXXX of New Servicer Letter Dated Statement Date XX/XX/XXXX New Servicer Letter Payment procedures are described as Beginning XX/XX/XXXX, all future payments will be accepted by Specialized Loan Servicing. No W-9 is included. \n\nNo TILA Transfer of Creditor Notice mailed *Note : At the origination of dispute there were no loan statements. The company appeared to not be a real business. They would not provide loan statements upon several oral and written requests, nor oral or written calculations of interest rate or amount due, nor evidence of the application of payment to account, nor proof of account. The accounting was and still is incorrect to this day. The loan is still in dispute. \n\nThe new CFPB law regarding the exclusion of periodic statements for customers in bankruptcy began XX/XX/XXXX and ended XX/XX/XXXX. \n\nStatements were required upon the assumption of Plaintiffs loan by SLS starting XXXX XXXX. \nSee letter dated XX/XX/XXXX sent by Plaintiff to SLS. \n\nPlaintiff made dozens of oral and written requests for statements. \n\nUPON RECEIPT of New Servicer Letter Plaintiff calls SLS to find out how to pay bill. Plaintiff is told to call monthly for the amount due. Plaintiff recalls that she was told that there was no account created yet as the loan had just been transferred. ( XXXX XXXX XXXX last statement received is dated XX/XX/XXXX ) Plaintiff was instructed over the phone by SLS to call monthly to obtain the monthly amount due and encouraged to pay over the phone by checking account debit only. \n\n\nXX/XX/XXXX - Plaintiff calls SLS for amount due for XXXX payment amount. \n\nOn or about XX/XX/XXXX Plaintiff calls to make XX/XX/XXXX payment due according to SLS and pays by phone debit e-check. Amount of {$190.00} due is correct. \n\n\nXX/XX/XXXX Plaintiff calls SLS to straighten out account Plaintiff has not received paper statements of account. Plaintiff is told that they can not generate statements because her loan is in bankruptcy and that she must call every month for the payment amount. She is told 'that because of the XXXX  XXXX discharge ' statements are not automatically sent. Plaintiff is told that she can view information online at www.SLS.net by logging in and creating account. Plaintiff requests statements. Plaintiff is not able to set up an online account because the information she can provide, including name, address and/or new account number XXXX does not pertain to an active account. \n\n\nPlaintiff makes XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments due over the phone by debit of checking account e-check. The amounts due are accurate. The payments are made on or near XX/XX/XXXX : {$170.00} and for XXXX & XXXX, on or near XX/XX/XXXX : {$380.00} includes a {$9.00} late fee. \n\nThis {$9.00} late fee can only apply to the payment due on either XX/XX/XXXX or XX/XX/XXXX due date. Plaintiff was inconsistently charged late fees despite all payments made so far having been late. Plaintiff was told during one of many calls to customer service that late fees would be waived until account was formerly set up. Again, no explanation is given of breakdown of payment, interest rate, running balance or application of payments made. \n\n\nXX/XX/XXXX Plaintiff calls SLS customer service for the XX/XX/XXXX payment due and is told that it's {$200.00}. It should be XXXX and SLS will not give an explanation of payment amount. Plaintiff makes the case to customer service that she has no receipt of any payment made yet, and no statement. Plaintiff stops making payments because the amount is inflated and is calculated in a non-transparent way. [ It is later discovered through extensive communications that a late fee of {$9.00} had been applied ] This {$9.00} late fee due as part of the XX/XX/XXXX payment could only have been as a result of payment due XX/XX/XXXX being late, despite XX/XX/XXXX payment also being late and no late fee charged. \n\n*Notes : Late fees per contract are 5 % of amount due. \nContract requires that statements be mailed.\n\nContract requires that accounting discrepancies and disputes be remedied at customer 's request. \nInterest rate is XXXX XXXXXXXX XXXX XXXX XXXX Margin Contract prevents servicer from charging late fees on a loan in dispute. ( Contract is in Defendant 's possession ) Violations of these Mortgage Clauses, in Plaintiff 's opinion, defined Breach of Mortgage Contract. \n\n\nDATE OF XXXX CHARGED ACTUAL PAID DATE DUE POST DATE XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Late Fee XXXX unknown XXXX unknown XX/XX/XXXX STOPPED PAYING : XXXX XXXX XXXX XXXX XX/XX/XXXX n/a XXXX payment due above can likely be XXXX plus XXXX late fee Note of error : if late fee were for previous month as is generally accepted in accounting practices, then late fee should have been {$9.00} [ 5 % on XXXX ] Early XX/XX/XXXX : Plaintiff sends letter to Attorney XXXX XXXX who is family friend ( no longer practicing ). Plaintiff near after advises SLS by phone call that she is represented and does not intend to make payments on account until she is billed transparently and correctly. Plaintiff is advised by counsel to make all communications by certified mail. \n\nPlaintiff writes letter to Attorney XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX & XX/XX/XXXX Plaintiff does not pay because customer service at SLS will still provide no explanation of accounting methods. Upon subsequent phone calls it is determined that SLS intends payment due XX/XX/XXXX is to be XXXX ( it should be XXXX ) and payment due XX/XX/XXXX is being billed at XXXX. \n( XXXX also has no substantial base in proper calculations ) AMOUNT DUE PER SLS CUSTOMER SERVICE BY PHONE CALL : DATE OF XXXX CHARGED ACTUAL PAID DATE DUE POST DATE XXXX XXXX XXXX XXXX XX/XX/XXXX n/a XXXX XXXX XXXX XXXX XX/XX/XXXX n/a *Note : Per letter dated XX/XX/XXXX XXXX is due. This amount is ( 3 ) incorrect payment amounts ( payments not made ) plus another {$9.00} late fee that can not properly apply to any of past amounts due at this point. \n\n\nLetter Dated XX/XX/XXXX : From SLS Notification of Service Members Civil Relief Act Letter Date XX/XX/XXXX : From SLS Important Notice Regarding Your Mortgage Loan and Intent to Foreclose Without having provided clarity despite numerous phone calls an incorrect amount is demanded. Letter included threats of inspection, threat to accelerate and/or foreclose, names SLS the current creditor to whom the debt is owed on page 2 and presents an offer to dispute. \n\nAdditionally, the total balance due stated on account on page 2 of letter is {$39000.00}. \nThis is incorrect. This loan is a XXXX ARM and the correct balance is as it was transferred from B of A is {$39000.00}. \n\nLetter includes Foreclosure Mediation information obtained from XXXX  XXXX XXXX. \n\n\nUPON RECEIPT of XX/XX/XXXX Letter : Plaintiff calls SLS. Despite more extensive inquiry, again receives no explanation by customer service as to wrong amount, or previous dispute. They are not able to discuss the details of a loan in bankruptcy and/or do not have access to the information requested available to them. \n\nMore specifically on XX/XX/XXXX : XXXX called SLS to request clarity and accuracy of amounts due. Plaintiff spoke to XXXX who told her that she was not billed on her account and that SLS can not generate statements because the customer 's loan is in bankruptcy. XXXX said that the account should show no balance due. Plaintiff was routed to the bankruptcy department of SLS where she spoke to XXXX at XXXX. XXXX told Plaintiff that she could not provide statements, nor calculation of payment due, nor state the current interest rate and that I can take a payment from you. Plaintiff decides to try another day, headaches and stress are too much. \n\n* Note : In XXXX SLS begins sending unrequested statements to Plaintiff. \nPlaintiff has had XXXX servicers on ( XXXX ) loans post bankruptcy. All servicers have provided thorough and accurate statements. The law that exempted certain XXXX customers from receiving statements is not yet in effect. See Documents for description Letter dated XX/XX/XXXX. Therefor. statements are required. \n\n\nLetter Dated XX/XX/XXXX : From SLS RE Legal counsel On or Around XX/XX/XXXX : Plaintiff writes and sends handwritten letter to SLS, certified and return receipt. Letter has been lost ( Plaintiff has the certified and return receipt from this letter in possession, additionally a copy is in Documents Handwritten notes from XXXX in file demonstrate it included the following : A request for explanation of payment calculation, including interest rate A request for statement of account including running balance with payments due and applied Letter Dated NO DATE : From SLS presents, in response to Plaintiff 's most recent handwritten letter, a different mailing address for inquiries. \n\n\nUPON RECEIPT of letter dated NO DATE Plaintiff resent handwritten letter to newly given address. \n\n\nXX/XX/XXXX Phone call to SLS by XXXX because she can not create an account nor log in online still. Plaintiff is told that her loan is in bankruptcy and statements can not be generated. Again with no other offer of information. Plaintiff is routed away from customer service, placed on hold for over XXXX minutes and hung up on. Plaintiff finds that there is no viable account of her HELOC on record with SLS through attempts to log in. Plaintiff wonders if payments made so far have been applied to an account. \n\nXX/XX/XXXX Plaintiff sends certified handwritten letter to SLS disputing charges as inaccurate with opaque accounting. This letter has been lost, the certified receipt exists and has been included in documents. \n\nXXXX XXXX XX/XX/XXXX : From SLS Your qualified written request or general correspondence is currently under review. \n\nXXXX XXXX XX/XX/XXXX : From SLS in response to Plaintiff 's request for information. Letter includes correct interest rate and an amount due calculation that makes no sense at all of {$940.00}. There is no variation of numbers or amounts due so far presented by SLS that add up to this amount. \n\n*Note : Plaintiff has worked extensively in bookkeeping and went to college for accounting. She graduated from private high school in Advanced Placement calculus. She has been gifted in numbers her entire life. She has not, and does not consult an expert with regard to this or other accounting as she considers herself expert. \n\nXXXX also includes a copy of mortgage paperwork that XXXX did not request and does not need as she has already cited clauses in the Mortgage to XXXX, and an undated XXXX spreadsheet of received payments. The XXXX spreadsheet is the only evidence of account existence thus far. It includes several inaccuracies and a fee for {$110.00} coded XXXX XXXX. It lists a payment made of {$190.00} that was never made, a late fee of {$9.00} in the column of principal and an incorrect principal balance of XXXX. It also cites {$0.00} late fees in the late fee column. \n\n\nUPON RECEIPT of letter dated XX/XX/XXXX Plaintiff called XXXX customer service to explain that this was not the requested information. She was, again, systematically avoided. \n\n\n*Note : An additional undated spreadsheet in different format is also in XXXX 's possession. She does not know in which letter it arrived. It is not dated nor does it include an account number. It does include XXXX 's name, address and property address. It reflects the same inaccuracies as the XXXX spreadsheet. It arrived with a supplement named XXXX XXXX Definitions from which she determined {$110.00} FB meant fee billed. \n\n\nXX/XX/XXXX PLAINTIFF 'S DEBT WHILE IN DISPUTE IS CHARGED OFF BY SLS. \nThis is reflected as Negative on all ( XXXX ) of her Credit Reports, XXXX, XXXX and XXXX ( evidence included in Documents ) This charge-off is a violation of the XXXX  XXXX discharge injunction as it records a dollar amount liability on Plaintiffs credit report ( XXXX ). This charge of was not described as in dispute as required by law XXXX XXXX. XXXX ( XXXX ), and stayed on all ( XXXX ) credit reports until XX/XX/XXXX. \n\n*Note : Most other applicable laws have been referenced in CFPB complaint letter. XXXX copies of letter were certified and return receipt mailed to XXXX at the correct address. XXXX is dated XX/XX/XXXX. \n\nXXXX : This is end of correspondence from SLS until XXXX ( unless letter ( XXXX ) was/were lost ) with the exception of annual XXXX Letter Dated XX/XX/XXXX : From XXXX Please be advised beginning XX/XX/XXXX your required loan payment will convert from Interest Only *Note : There is no correspondence in the year XXXX with the exception of XXXX sent yearly Letter Dated XX/XX/XXXX : From XXXX According to our records, the above-referenced mortgage account is delinquent. Contact us to discuss possible loss mitigation options. \n\n\n*Note : Plaintiff could not endure the stress of fighting with an inane servicer after XXXX and knew that she needed to retain an attorney. At first opportunity, in XXXX, she did such. \n\nXXXX XXXX XX/XX/XXXX : From SLS According to our records, the above-referenced mortgage account is delinquent. Contact us to discuss possible loss mitigation options. \n\n\nXXXX XXXX XX/XX/XXXX : From SLS According to our records, the above-referenced mortgage account is delinquent. Contact us to discuss possible loss mitigation options. \n\n\nLetters Dated XX/XX/XXXX [ XXXX Cerified, XXXX XXXX Mail XXXX XXXX ) Total ] Important Notice Regarding Your Mortgage Loan and Notice XXXX XXXX to Foreclose Letters include Foreclosure XXXX information obtained from CT XXXX XXXX. \nXXXX threatens negative reporting, inspections and threat of acceleration and foreclosure. \nXXXX invites customer to dispute the validity of the debt. \n\nThe original loan dispute and multiple accounting discrepancies have never been resolved. \n\n\nXX/XX/XXXX Plaintiff consults with Attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, CT. This is the first time she has been financially able to hire an attorney. \n\n\nLetter Dated XX/XX/XXXX : From Plaintiff ( XXXX ) copies mailed certified to SLS To whom it XXXX concern, I dispute the validity of this debt in response to your XX/XX/XXXX letter. \n\n*Note : no address for dispute communication was given in foreclosure letter. Plaintiff used the only available address at the bottom of the letter for correspondence. The same address was present at the heading of other SLS letters received by XXXX. \n\n\nLetter Dated XX/XX/XXXX : From XXXX Specialized Loan Servicing LLC ( SLS ) has received your letter regarding the above referenced loan, however not at our address for such inquiries. \n\nXXXX XXXX XX/XX/XXXX : From SLS According to our records, the above-referenced mortgage account is delinquent. \n\nPlaintiffs Note/Mortgage have, at XX/XX/XXXX, reached UCC XXXX XXXX of Limitations for non-payment post end of installment period effected by discharge in XXXX  XXXX Bankruptcy UCC XXXX. STATUTE OF LIMITATIONS ( a ) Except as provided in subsection ( XXXX ), an action to enforce the obligation of a party to pay a note payable at a definite time must be commenced within XXXX years after the due date or dates stated in the note or, if a due date is accelerated, within XXXX years after the accelerated due date And corresponding CT XXXX XXXX XXXX Letter Dated XX/XX/XXXX : From SLS This letter is in response to your correspondence dated XX/XX/XXXX. Included copy of the Promissory Note, copy of the Mortgage, copy of Notice of Transfer of loan dated XX/XX/XXXX and the same XXXX spreadsheet in which accounting was indiscernible to Plaintiff. It also contained a XXXX document entitled PAYMENT TRANSACTION CODES. \n\n\nXXXX XXXX XX/XX/XXXX : From Plaintiff to SLS ( XXXX ) copies mailed certified. Plaintiff restates entire past complaint in detail. Plaintiff includes specific breach of mortgage contract examples with explanation committed by XXXX, and other errors. Plaintiff states that it is my hope, that XXXX day these letters will be reviewed by a judge. \n\n\nLetter Dated XX/XX/XXXX : From XXXX Specialized Loan Servicing LLC ( SLS ) has received your letter regarding the above referenced loan. \n\n\nXXXX XXXX XX/XX/XXXX : From SLS We have received your correspondence regarding the above referenced mortgage account. \n\nLetter Dated XX/XX/XXXX : From SLS This letter is in response to your correspondence dated XX/XX/XXXX This letter is largely a repeat of what has already been forwarded. EXCEPT the interest rate of 7.75 % cited is wrong, AND due to the charge-off and XXXX XXXX XXXX Bankruptcy, we are unable to provide monthly billing statements for this loan. \n\n\nXXXX XXXX XX/XX/XXXX : From Plaintiff to SLS ( XXXX ) certified copies mailed : I received your response dated XX/XX/XXXX and post-dated XX/XX/XXXX. This XXXX weeks after my letter citing complaints dated XX/XX/XXXX. \n\nIn this letter XXXX included proof ( included in documents ) that SLS was required to send her mortgage statements throughout XXXX as per CFPB laws for Periodic Statements. \n\n\nXX/XX/XXXX Plaintiff consults with Attorney XXXX XXXX. \n\n\nLetter Dated XX/XX/XXXX : From XXXX Specialized Loan Servicing LLC ( SLS ) has received your letter *Note this letter is also post-dated the XXXX of XXXX Letter Dated XX/XX/XXXX : From XXXX According to our records, the above-referenced mortgage account is delinquent. \n\n\nXXXX XXXX XX/XX/XXXX : From SLS This letter is in response to your correspondence dated XX/XX/XXXX. This letter is a complete repetition of previous correspondences. Except that this letter contains a form titled BANKRUPTCY HELOC PERIODIC STATEMENT REQUEST that Plaintiff did not fill out nor return. \n\n\nLetter Dated XX/XX/XXXX : From Plaintiff to SLS ( XXXX ) copies mailed certified Dear Sir or Madam, this letter is in response to your XX/XX/XXXX correspondence, and additionally, regarding a number of inquiries that I had requested remedy for previously. This letter is a restatement of requests of the previous sent. \n\n\nLetter Dated XX/XX/XXXX : From SLS Specialized Loan Servicing LLC ( SLS ) has received your letter regarding the above referenced loan. \nXX/XX/XXXX Statement of account is received in the mail from SLS by Plaintiff. \nIt was not requested. \n\n\nLetter Dated XX/XX/XXXX : From SLS Specialized Loan Servicing LLC ( SLS ) has received your letter regarding the above referenced loan. \n\nLetter Dated XX/XX/XXXX : From SLS is The Exact Same Letter Dated XX/XX/XXXX with XXXX exception. It includes a form titled BANKRUPTCY PERIODIC MONTHLY STATEMENT RE-OPT IN. This form XXXX did not fill out nor return. \n\nXX/XX/XXXX Statement of account is received in the mail from SLS by Plaintiff - unrequested XX/XX/XXXX Statement of account is received in the mail from SLS by Plaintiff - unrequested XX/XX/XXXX Statement of account is received in the mail from SLS by Plaintiff - unrequested Letter Dated XX/XX/XXXX : From XXXX According to our records, the above-referenced mortgage account is delinquent. \n\n\nXX/XX/XXXX Statement of account is received in the mail from SLS by Plaintiff - unrequested XX/XX/XXXX Statement of account is received in the mail from SLS by Plaintiff - unrequested XX/XX/XXXX Statement of account is received in the mail from SLS by Plaintiff - unrequested Letter Dated XX/XX/XXXX : From XXXX The Note on the above-referenced loan is now in default as a result of your failure to pay the XX/XX/XXXX payment and the payments due thereafter. Plaintiff is urged to cure the default. \n\n*Note : The Note was included in XXXX  XXXX Bankruptcy, uncontested and not reaffirmed. \n\n\nXX/XX/XXXX Statement of account is received in the mail from SLS by Plaintiff - unrequested XX/XX/XXXX Statement of account is received in the mail from SLS by Plaintiff - unrequested Letter Dated XX/XX/XXXX : From SLS Specialized Loan Servicing LLC ( SLS ) has received your letter regarding the above referenced loan. \n\n\nAttorney XXXX XXXX Served State of Connecticut XXXX complaint to SLS ****END CORRESPONDENCE UNTIL XX/XX/XXXX WHILE STATE COMPLAINT IS ACTIVE**** XX/XX/XXXX State Complaint withdrawn under advice of additional counsel. It is determined that a federal complaint will provide much more coverage. \n\nXX/XX/XXXX While Plaintiff is represented by an attorney SLS sends ( 1 ) Certified and ( 1 ) Regular mail letter : Important Notice Regarding Your Mortgage Loan and Notice of Intent to Foreclose Letters include Foreclosure Mediation information obtained from CT XXXX XXXX. \nLetter threatens negative reporting, inspections and threat of acceleration and foreclosure.\n\nLetter invites customer to dispute the validity of the debt. \n\nThe original loan dispute and multiple accounting discrepancies have never been resolved. \n\nPlaintiff files complaints with CFPB, XXXX, XXXX, Colorado and Connecticut Departments of Banking, Colorado and Connecticut Attorneys General. \n\nPlaintiff receives several pages of responses to complaints in which SLS : denies wrongdoing and commits to their inability to send statements, despite having sent ( XXXX ) unrequested statements in XXXX & XXXX Has not corrected accounting errors from XXXX SLS has committed at Minimum : Violation of CFPB requirements for Period Statements Violation of the Original Mortgage Terms Multiple threats of Foreclosure Multiple threats of and actual Negative Credit Reporting Multiple threats of unwarrented Inspections at Plaintiffs expense Multiple Statements made of Plaintiffs Delinquency regarding a loan in dispute Inflated amounts due Unauthorized Fees Deceptive and misleading practices Harassment and Abuse Direct contact while represented by an attorney Violation of the Plaintiffs XXXX  XXXX Discharge Injunction Violation of Federal and State law governing Statute of Limitations Total continuing Accounting Inaccuracies and errors : XXXX Plaintiff has suffered Stress Long term harassment Deceipt Loss of credit opportunity - A significant reduction in credit score for 7 years ( see attached XXXX point XXXX XXXX decrease ) Clouded title False light XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX nightmares XXXX XXXXXXXX XXXX on record began XXXX Suspected XXXX  on record began XXXX XXXX XXXX  began XXXX XXXX hours of time lost to research, letters, emails and attorney meetings. \n\n\n\n\nIt is Plaintiffs contention that this business operates with a foundation of intentional negligence and misconduct in order to illegally, liberally and advantageously foreclose on customers. \n\nSLS solicited payment amounts from the Plaintiff which were a moving target in that they fluctuated absent any explanation. \n\nIt is further Plaintiffs opinion that SLS is intentionally deceptive and dismissive of requests for transparency. Customer service intentionally evades, and deliberately attempts to cause confusion and stress as a means to induce or force payment. This is Intentional Infliction of XXXX XXXX XXXX \n\nPayments are intentionally misapplied, accounting is vague and threats of unwarranted and falsified negative credit reporting are not inert. \n\nThe dispute over monetary calculations and accounting discrepancies has not been rectified by the Defendant and continues through the present date. SLS machinations were calculated to harass Plaintiff into making payments on an otherwise uncollectible loan. \n\n\nPLEASE FORWARD TO YOUR REPRESENTING ATTORNEY **** END OF COMPLAINT ****","date_sent_to_company":"2022-10-09T17:07:38.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"067XX","tags":null,"has_narrative":true,"complaint_id":"6067392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2022-10-09T16:44:05.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Letter</em> Dated XX/XX/XXXX : From SLS Notification of Service Members Civil Relief Act <em>Letter</em> Date XX/XX/XXXX : From SLS Important Notice Regarding Your Mortgage Loan and <em>Intent</em> to Foreclose Without having provided clarity despite numerous phone calls an incorrect amount is demanded. <em>Letter</em> included threats of inspection, threat to <em>accelerate</em> and/or foreclose, names SLS the current creditor to whom the debt is owed on page 2 and presents an offer to dispute."]},"sort":[16.471386,"6067392"]},{"_index":"complaint-public-v1","_id":"3551810","_score":9.4261875,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint is Against : Bayview Loan Servicing , LLC. aka BLS XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX, Florida XXXX XXXX Assigned Bayview Representative : Mr. XXXX XXXX. \n\n\nDear CFB Advocate, Timing is critical please-Urgent Action Needed : Due to underemployment and unemployment over the years, I needed to file for bankruptcy 5 years ago. I had a loan with XXXX for over 10 years and held no escrow. \nI do not know where else to turn and believe what is being done is predatory, poor business ethics and illegal. \n\nI have all paperwork, letters, dates of calls, etc and an email chain below which all went unanswered however some were acknowledged by phone with no solution with sketchy interest. The assigned representative treats me like a typical bill collector and can not be trusted to assist as proven by the evidence. I can no longer return his calls as it's very stressful and upsetting using sketchy verbal conversation with no resolve coupled with some mixed condescension and sarcasm. However the email chain below are the dates and facts confirming our conversations and my concerns and I will attach documentation needed to resolve this. \n\nThank you!!! \nXXXX from Illinois Here are the facts : -- -Bankruptcy was awarded and included the mortgage owed to XXXX. I continued to pay the mortgage loan to XXXX and paid out of pocket, the property taxes and insurance on time. \n\n-- -Mortgage Loan was sold to Bayview by XXXX as I missed one month ( XX/XX/XXXX ) of payments during the course of 10+ years after my unemployment ran out. XXXX sold my loan while processing a loan modification with them and was without an answer. \n\n-- XXXX XXXX Bayview Loan Servicing LLC. , a debt collector, took ownership of the mortgage. \n\n-- -Conflicting letter ( s ) received and inclusive of : Demand for Payment, ability to seize a bank account and a Bankruptcy Clause all in one! \n\n-- -Certified Letter of 'Notice of Default and Intent to Accelerate ' as I was then missing 3 mortgage payments to include the XX/XX/XXXX payment. This I understood, I did owe the money. I was able to get caught up with my payments to Bayview since XX/XX/XXXX. \n\n-- -Additional fees assessed since they took over my mortgage. \n\n-- -Escrow placed on the mortgage without my knowledge -- -Received the verbal 'recorded line ' statement by my assigned representative that I didn't pay my property taxes or insurance in XXXX according to their records. \nNot true, they were on time and in full! \n\n-- -Obtained proof of payment of the XXXX property taxes and insurance the very next day after I was told of this. Emailed the documentation of 'on time ' payments to the County of Taxation and to XXXX XXXX XXXX. Never late ever. \n\n-- -Amount due is based upon new charges, a demanded payment plan for an amount of arrearage not owed of which the inaccurate information after proof provided was not corrected by Bayview Loan Servicing , LLC . \n\n-- -Letters to eliminate forced escrow without my knowledge, received by me but not done. Still being billed as if in arrearage on this pseudo payment plan that I never agreed to. \n\n-- -Bayview will not email me back to answer my inquiries as indicated below. Calls are via a recorded line by Bayview. \n\n-- -Letters to eliminate forced escrow without my knowledge, received by me but not done. Still being billed as if in arrearage on this pseudo payment plan that I never agreed to. \n\n-- -Assigned representative does nothing to assist and has been condescending and sarcastic with no proven focus to fix this problem by defending Bayview in it's entirety or telling me there is nothing he can do, per se. \n\n-- -Mortgage money paid is now held in suspense due to this error 'creating ' an arrearage. \n\n-- -Strange fees appeared on the invoices example : 'Corporate Advance Balance ' fee -- -More than one month after escrow elimination, they contacted my insurance company, put their name on the paperwork and paid the renewal for the year XXXX, without my knowledge. I found this out when I couldn't find my online account with XXXX  that was set up by me for the past couple of years. \n\n-- -Being proactive and not wanting to wait for Bayview to resolve this ... I tried but have been unsuccessful in getting the insurance money back to Bayview. The payment was sent in XX/XX/XXXX, almost 2 months after they were to suspend the forced escrow and correct the records. \n\n-- -Today is XX/XX/XXXX. Within the past 5 business days, I received 4 letters. 1 via certified mail.\n\n- Two of these letters are demanding payment with 'Notice of Default and Intent to Accelerate ' stating that it is a formal demand to pay BEFORE XX/XX/XXXX or they will take steps to terminate my ownership in the property by a foreclosure proceeding or other action to seize the property while placing further costs on me to pay for the lawyer/court fees, etc. involved in doing so. \n\nPlease be mindful, if their records were corrected as promised, I would be current in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and presently today ; XX/XX/XXXX. \n\nBelow is the email documentation, before and after, each Bayview recorded phone call and the financial concerns pleading with them to correct their records and relaying the proof they needed to do so.\n\nI eliminated personal information about myself, my loan and the Bayview representative as indicated in your instructions.\n\nThank you. \nXXXX These emails begin with the latest on XXXX XXXX and end with the first in the email tree. \nNo responses were returned by email. \n\n-- -- -- -- -- -- -- -- -- -- -- -E-MAIL DOCUMENTATION BELOW -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX  To :XXXX Cc :XXXX ; XXXX Subject : XXXX_Bayview Loan # XXXX XXXX payment scheduled Importance : High Dear XXXX, This email is to let you know I paid the XX/XX/XXXX mortgage amount via phone today, XXXX XXXX. \nAs of this payment, I am fully caught up and current with my mortgage loan. \n\nAlso, the XXXX payment was not applied correctly however I received a letter stating a corrected invoice will be sent however I had not yet received it. \n\nHope you had a nice XXXX  and Happy XXXX XXXX! \n\nXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX  To :XXXX Cc :XXXX ; XXXX Subject : XXXX_Loan # Good Morning XXXX! \n\nI received your voice messages on Monday and Tuesday asking for me to call you back and will return them when I am able. \n\nYou have my permission to leave a message on my answering machine for me to receive it when I am home. \nPlease leave a detailed message with question or comment, so I can answer you via email, in the meantime. \n\nI received the payment plan paperwork you overnighted however the figures are incorrect and still needs to be revised. When we spoke about it last week, you told me the system would not let you do so however there must be a way for it to be corrected. I can not sign an inaccurate document of this nature. Also, I have read and am mindful of the Bayview legal and binding terms written. \n\nReceived a statement in the mail last night and I noticed the actual payment due is incorrect as well. \nI fully paid the mortgage amount that was due from XXXX XX/XX/XXXX, plus Bayview applied fees and the money was not applied correctly. \n\nAs my assigned Bayview representative XXXXXXXX, can you please make sure this is corrected with your accounting department? \nWe both know it is very important to have the Bayview records corrected right away. \n\nI plan to make all mortgage payments on time and in full each month, as is accurate. \n\nXXXX, thank you in advance and I look toward working with you to reaffirm and refi as soon as is possible in XXXX! \n\nRespectfully, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX To XXXX   Cc :XXXX, XXXX Subject : Trying to make an online payment ... XXXX Importance : High Dear XXXX, Are you getting my emails? I have not gotten any responses. \n\nI am trying to make a payment via your website however the site will not allow me to. \nIt keeps saying to call you specifically. \n\nIf Im unable to reach you by XXXX, XXXX I will have to authorize a bank check but I wanted to get the payment to you right away as promised. \n\nPlease advise as soon as you can and provide answers to the questions below via email. \n\nThanks, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX To :@XXXX Cc :@XXXX Subject : Promised Payment Info ... XXXX Sorry  XXXX, Meant to tell you in the e-mail below sent earlier today I set up a new Bayview dedicated bank account from which you will receive my monthly mortgage payments however the money you should have gotten on Friday had not yet transferred to the new account set up earlier last week. I apologize for not allowing the transfer timing to be built into the date I gave below. \n\nWith a bank transfer, I thought the funds would be available immediately however after not seeing it deposited though debited, it apparently takes the bank up to 3 business days to post. \n\nWith this in mind, I will pay the promised amount promptly as the funds become available ; either today or tomorrow eod. \n\nWill keep you posted when paid since I noticed the Bayview payment center is in XXXX, TX instead of XXXX XXXX, Florida ; where you are located. \n\nThanks and Take care XXXX! \n\nXXXX Loan # -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX  To XXXX@XXXX Cc :@XXXX Subject : FW : REVISION : XXXX_Loan # Hello XXXX, I received your phone message last week and received the letter from Bayview that the escrow account, recently placed on my mortgage by Bayview, would not be cancelled as I had requested.\n\n( The escrow account placed on my mortgage, was unknown and unauthorized by me and I remain opposed to it. ) What was not noted on the letter, was the reason Bayview rejected my request for escrow cancellation, would you please obtain the exact reason why it was opened and the reason why my request to cancel was rejected?\n\nCan you also send me the exact reason ( s ) why my hardship request for a loan modification in the form of an extended loan term, lower interest rate or forbearance was rejected? \n( Note : Modification paperwork was filed prior to the loan transfer from XXXX to Bayview ) Am I still required to cc :@XXXX when no documents are being submitted? \n\nThanks XXXX, I look forward to your written response. \nHave a pleasant day! \n\nRespectfully, XXXX Loan # -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX  Sent : XX/XX/XXXX XXXX XXXX   To :XXXX Cc :XXXX Subject : REVISION : XXXX_Loan # RE : Bayview Loan # Property Owner : XXXX Property Address : Dear XXXX, Hope you had a great XXXX! \n\nIm writing to let you know about a slight revision, highlighted in yellow below, regarding upcoming payments to Bayview. \n\nA bank check for {$2600.00} will arrive at the Bayview payment-processing center by XX/XX/XXXX. \nThis will cover the XXXX, XXXX, XXXX and XXXX XXXX-mortgage balance in full. \n\nThe XX/XX/XXXX mortgage payment will follow as a separate payment. \n\nIm glad you called me to confirm receiving the proof of on time and up to date payments covering my XXXX home insurance and property taxes. \n\nThanks XXXX! \n\nXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX Sent : XX/XX/XXXX XXXX XXXX  To :XXXX Cc  :XXXX ; XXXX Subject : XXXX_Loan # RE : Bayview Loan #  Property Owner : XXXX Property Address : Illinois Good Afternoon XXXX, I had not yet received a response concerning the original email below, sent last Friday afternoon ; proving I had paid property taxes and insurance premiums for the XX/XX/XXXX year. \nTried reaching out to you today and was unable to book a phone appointment for this week and my option was only to leave you a voice message. As I indicated, Im prepared to issue a check for the XXXX arrearage amount, in its entirety. \n\nMy figures are indeed correct as follows. \n\nXXXX, XXXX, XXXX, XX/XX/XXXX at {$670.00} per month for a grand total of = {$2600.00} XX/XX/XXXX will be paid at the regular mortgage amount of {$670.00} since escrow does not take effect until XX/XX/XXXX {$2600.00} ( XX/XX/XXXX-XX/XX/XXXX ) + XXXX ( XX/XX/XXXX ) {$3300.00} total due to get mortgage account current With this correct recalculation of what is owed, Bayview will receive a payment of {$3300.00} before XX/XX/XXXX. \n\nMoving forward into XX/XX/XXXX, Bayview without my knowledge, opened an escrow account on my mortgage to begin in XX/XX/XXXX. \nWith that determination, my future XXXX payments would now be in the sum of {$1000.00} ( XXXX + XXXX property tax + XXXX insurance ) On Friday XXXX XXXX, XXXX, you verbally indicated that your e-mails are scripted so you can not respond. \nSince you can not respond via email, can another mortgage loan representative or supervisor partner with you, who has that capability? \n\nThere has to be a better communication avenue for efficient handling of accounts that is confirmed in writing vs. a phone call or costly snail mail. \n\nThank you and Best Regards XXXX! \n\nXXXX Bayview Loan # -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX  To :@XXXX Cc :XXXX ; XXXX Subject : XXXX XXXX_Loan # RE : Bayview Loan #  Property Owner : XXXX Property Address : Illinois Dear XXXX & the Loss Mitigation Team, As promised today, Im providing you with attached proof of property taxes fully paid on time concerning the property location listed above. \n\nXXXX, thank you for reaching out to me today regarding the loan amount arrearage ; and what my options can be and are, at present. \nTo confirm our telephone conversation this morning, I want to recap I writing on what my understanding is from what we discussed. \n\nHARDSHIP : The hardship as I mentioned has been the exhaustion of my unemployment benefits in mid-XX/XX/XXXX and current unemployment status. \nMORTGAGE/TAX/INSURANCE STATUS : My mortgage payment on this property including non-escrowed insurance and property taxes has never ever been paid late in more than 20 years. \n\nXXXX, you stated that you were not aware that my property taxes and property insurance were in fact, paid on time and both are current as of the date of this email and that you required proof which was provided today. \nWith this in mind the stated monthly loan amount, per our phone call today, has to be inaccurate ; needing to be revisited. \n\nSince there had been no arrearage of property tax and insurance, the amount you gave me by phone this morning of {$1500.00} per month beginning XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments moving forward of {$1100.00}, inaccurate and needing recalculation so I can pay Bayview the proper amount moving forward. \n\nOnce the recalculation is complete please o Reevaluate the monthly payment amount for an easier payment plan that I can manage. \no Generate a new billing statement in writing and send it to me by mail as soon as humanly possible. \no In the interim, feel free to email me a copy of the statement with enough time to pay XXXX bill, on time. \no XXXX both e-mailed and faxed you and the Loss Mitigation department, proof of insurance for the property, proving payments were made on time and is currently active, as promised. \n\nUntil today : I had no written or spoken knowledge of Bayviews intention and subsequent action to change my non-escrow status to an escrow account. \nUntil today : I had no written or spoken knowledge of my Loan Modification Application being denied by Bayview. \nUntil today : I had no knowledge of being put on a Waterfall repayment plan or exactly what it entails. \no Thank you XXXX for approving the Waterfall repayment option but I need an easier payment plan. \no I understand why the Loan Modification was not approved however once I have gainful employment, I will reapply. \no As we discussed, I plan to keep ownership of the property. \no I asked about a Forbearance and you educated me about that option by telling me I would need proof of having a job and the income to pay the balance after the reduction of payments. \nI thought that the payments due are put on hold, accumulates over a 3-6 month period at which time, the entire accumulated balance is due. \n\nI am greatly concerned that the mortgage amount is more than our household income. You said other people find a way. That may be so XXXX  ; however it can not be the case for all. \nMy concern of using non-fluid food stamp allowance is not what I can use for a payment other than food as I stated this morning. \no Would you please reconsider the amount due each month? \no What happens when the food stamp money is reduced or food stamp payment ends? \n\nContact me to confirm the above, answer my questions and let me know when I can receive a new repayment arrangement. \nThank you for the work you put as my representative. I appreciate your assistance and look forward to working with you moving forward. \n\nRespectfully, XXXX Regarding Loan # Illinois","date_sent_to_company":"2020-03-03T07:40:15.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"60014","tags":null,"has_narrative":true,"complaint_id":"3551810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","date_received":"2020-03-03T02:22:50.000Z","state":"IL","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":[". \n\n-- -Conflicting <em>letter</em> ( s ) received and inclusive of : Demand for Payment, ability to seize a bank account and a <em>Bankruptcy</em> <em>Clause</em> all in one! \n\n-- -<em>Certified</em> <em>Letter</em> of 'Notice of <em>Default</em> and <em>Intent</em> to <em>Accelerate</em> ' as I was then missing 3 mortgage payments to include the XX/XX/XXXX payment. This I understood, I did owe the money."]},"sort":[9.4261875,"3551810"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2}]}},"product":{"doc_count":2,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":2}]}}]}},"issue":{"doc_count":2,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":1}]}}]}},"timely":{"doc_count":2,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":2}]}},"company_response":{"doc_count":2,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2}]}},"submitted_via":{"doc_count":2,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":2}]}},"company":{"doc_count":2,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","doc_count":1},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":1}]}},"state":{"doc_count":2,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CT","doc_count":1},{"key":"IL","doc_count":1}]}},"company_public_response":{"doc_count":2,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":2,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}