ComplaintsforCommunity Loan Servicing

• Initial Complaint

  12/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Before my loan was transfered from Community Ser to Rightpath Ser I made 2 paymebts through MoneyGram directly into the account of Community in the amounts of $****** But only 1st payment made on 9/5/2021 In the amount of ****** was credited Reference# ******** nd payment made on 10/5/2021 in the same amount of $****** Reference # ********was never credited or refunded I spoke to serveral people who suggested that I pay by Money order which the attached PDF of receipts will show is not true

  Business response

  12/20/2022

  Please see Community's response attached.

• Initial Complaint

  11/04/2022

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  I received 12 letters, 7 of them for children 15 & under, saying they had currently or previously serviced their mortgage loan and recently had a security breech. Not any of the 12 have or ever had a mortgage.

  Business response

  11/15/2022

  Please see Community's response attached.

• Initial Complaint

  09/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  September 19, 2022 To Whom it May ********* refinanced my home in December 2021 with Southern Trust Mortgage. They immediately transferred the loan to Community Loan Servicing (CLS). On March 1, 2022, I had a house fire and started ************** Claim Process with CLS. On May 27, 2022, my loan was sold and transferred by CLS to the *************************** (CENLAR).I have attempted on multiple occasions to request documentation and accounting from CLS regarding both my mortgage payments and the payments from ******************** for the fire that were transferred with the sale of my mortgage. Cenlar was provided with incomplete information about the fire claim payments and almost no information about the mortgage payments that I made to CLS. I believe that CLS has not transferred all of the money that was in my mortgage/escrow account and also the reserved fire escrow account. I received absolutely no documentation from CLS about what amounts were transferred to CENLAR and for what amount each check was written.The CLS phone and email system make it impossible to reach anyone at CLS. I am requesting a complete payment history for both my mortgage and the special escrow account set up for the fire claim (not just totals but I want to see specific check amounts that contribute to the totals). I understand that CLS has up to 30 days to provide this information.CLS is using very questionable business practices and I believe has held on to my money without appropriate transfer to the new mortgage company.***********************

  Business response

  09/28/2022

  Please see Community's response attached.

  Customer response

  10/07/2022

   
  Complaint: 18119611
  
  I am rejecting this response because: it does not provide clear information to me about my insurance claim and my mortgage.  I have questions and need to speak to someone over the phone. The letter provides unworkable phone numbers to speak with anyone at Community Loan Servicing (CLS).  I am asking that someone from CLS call me directly at ************ to discuss this matter.  It would be best to make an appointment via my email at *************** before calling.
  
  Sincerely,
  
  *******************************

  Business response

  10/28/2022

  Please see Community's response attached.

• Initial Complaint

  03/05/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I had a Home Equity Line of Credit loan that originally opened in 2005 under Bank United get transferred to Bayview Loan Servicing (now known as Community Loan Servicing) in 2015. I filed bankruptcy that year and have gone through the process of paying off this account through my Bankruptcy. The account was fully paid off as of 2021. I am currently in the middle of a real estate transaction and need actual documentation from the lender, as there is still a lien on my home from the 2005 loan. I was able to quickly get information from Bank United to show that the loan was sold to Bayview but all of my attempts to get any information from Bayview have failed. I am now at risk for not being able to close the real estate transaction due to the non responsiveness and incompetence of this company. I have called in and provided all information related to the account. On one occasion I was told to send an email and it would be responded to quickly. I sent the email and there has been no response. On another occasion I was told that I would receive a call back at a set time with additional details but the call back was never received. I was also told to call back on a Saturday and assured that they were open when I questioned it. They were closed. All in all, I am not getting a response I need to what should be a fairly simple question. Is the account paid off, yes or no? If yes, please provide proof.

  Business response

  03/15/2022

  Attached, please find Community's response to the concerns set forth by Mr. Roland. 

  Customer response

  03/16/2022

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 16847301, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  02/07/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Dear Sir/Ma, Kindly help us investigate these two loans with Community Loan Servicing, LLC (formerly Bayview Loan Servicing). Loan # ******* Property Address: 3021 Lorena Ave, Baltimore, MD 21230 Our ordeal started when the tenant on this property finally moved out in March 2019 leaving us with unpaid rents, water bill and repairs. We applied for Deed in Lieu because we did not have the money to repair the property and we submitted all the required documents. After many months of request for additional documents, we got the first letter on 12/10/2020 telling us that they now have complete document. About three months later and after many more documents, we got another letter dated 02/03/2021 from them informing us that they have all necessary documents, and nothing is needed from us. We tried to sell this property and even took prospective buyer to the property only to find out that the lock has been changed by the servicer. After many months they told us that the property is a leasehold and need to be fee simple. We then employ the service of an attorney for this. The attorney came back to tell us that the property is no longer in our name. The ground rent was redeemed way back in June 2020 and the property is now fee simple while the servicer keeps asking for more and more documents. Our thinking is that we are the rightful owner until our attorney confirmed otherwise. Can you imagine the agony of a borrower who taught he/she is the rightful owner of a property, but the servicer has changed title ownership and still asking for one document or another from us? At some point, they told us it is a matter of weeks, and it will be over only for them to pass the file to another point of contact who then started the process again. We regret to let you know that this file is back again in the original point of contact. It is simply in circle. This is the same for the two properties.

  Business response

  02/17/2022

  Attached, please find Community's response to the concerns set forth by Mr. *******.

  Customer response

  02/24/2022

  From: ******* ******* <h*******@gmail.com>
  Date: Mon, Feb 21, 2022 at 11:25 AM
  Subject: Complaint ID: 16737149
  To: <*********************
  
  
  

  Good morning,
  

  Kindly accept this as to the reason why I do not accept the response to my complaint. I forgot to include the reason with the supporting documents that I uploaded. Here there are:
  

  
  

  Thank you for taking this up and thanks to Community Loan Servicing (Community) for their response. Their response confirmed a kind of game been played at a huge cost to us. As long as the two properties remain unforeclosed, their monthly and maintenance fees for “servicing” is at our expense. Understand that every obstacle has been placed on our way to keep us on this loan when foreclosure should have been concluded going by the local law from the time ownership has been changed from our names in June 2020.

  1.      We do not know neither do we understand the rationale why unnecessary and unrelated documents should be included in their response. The documents on pages 8 to 10 of the 119 pages of documents has nothing to do with our complaints. Community was never the servicer on this loan, the loan has been paid in full and we have sold the property in 2017. Please see attached lien release letter from Chase dated 12/1/2017. How did they got these documents and why was it included in their response?

  2.      They provided copy of their letter dated 03/03/2021 informing us that their vendor is working to clear this title (page 26 of 119). That was when we also engaged the service of a law firm to change the ownership from leasehold to fee simple. The law firm came back to tell us that we are no longer the owner of both properties. Ownership was changed to Orelan PC in June 2020. Who is Orelan PC representing? Why did they change ownership since June 2020 if it not to foreclose the properties? Why has foreclosure not done since June 2020? Who is going to pay all the late fees and other charges when ownership is no longer in our name since June 2020?

  3.      Community simply claimed that they are the servicer and provided the investor’s name and website, www.FannieMae.com in their response. This is one of the biggest companies in the world. Can they be more specific by providing contact name/person, department mailing information relating to these files if they are unable to act in good faith any further? Can they also tell us who Orelan PC is representing and why properties are now in their name while Community is still claiming to be the servicer of both properties?

  4.      Can someone please help us? June 2020 is an exceptionally long time not to have finality on foreclosure. Can they tell us the reason they cannot foreclose since June 2020? Fannie Mae website state that foreclosure can start 60 days or when one missed two monthly payments, and it only take 90 days to foreclose on a property in the state of Maryland. Are they processing wrong documents just as they have included in their response?

  5.      Something is not right here. Please help us.

  Thank you.

  ******* & ****** *******.

  
  --
  

  ******* ******* *******
  Tel. ###-###-####

  Business response

  03/04/2022

  Attached, please find Community's response to the concerns set forth by Mr. *******. Please be informed that we have escalated to our title and foreclosure teams to assist Mr. ******* and Ms. ******* with their loss mitigation review. 

• Initial Complaint

  11/10/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My sister passed ** in Feb, 2020. Bayview, aka Community Loan Servicing has control of her mortgage/property foreclosure. As her personal representative, they break the law every day in refusing to provide information to me so I can do my due diligence as her representative. I have spent countless hours in wasted conversations with them trying to figure out what to do with my sister's property. I sent my sister's will and death certificate AGAIN, and the customer advocacy representative that promised to call me yesterday with status did not call. I have jumped thru every hoop. I would call the situation criminal at this point.

  Business response

  12/30/2021

  Business Response /* (1000, 5, 2021/11/24) */ Please find Community's response attached. Thank you. Consumer Response /* (3000, 7, 2021/12/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I provided my address and phone numbers when **** passed *** The very day I got ****'s death certificate, it was filed with the probate office. I have submitted this to Community twice now. This third party authorization is for the birds. After I complained to the FL Atty General, Community provided some information to me. Then, they went back to their old ways of saying I was not authorized. There is so much more to this case, and I will be filing all the pertinent documents with the applicable agencies. Business Response /* (4000, 9, 2021/12/17) */ Please find Community's response attached. Thank you.

• Initial Complaint

  09/11/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Identifies as a 'loan servicing' company instead of a collection agency which is deceptive and does not allow the least sophisticated debtor to understand their rights to dispute or ask for the debt to be validated. Currently refusing to tell me who our original loan was sold to, who currently owns the account, stating they will not give me that information. Will be filing complaints with the Attorney General offices in both Florida and Ohio, as well as the FTC, as well as meeting with a private attorney. Said they could not accept my payment on July 26th because the term had ended. I made a settlement offer in hopes of resolving this asap because I did not want a missed payment on my bureau, they said it wouldn't affect my bureau and they would get right back with me about the offer. Today, they hit my bureau and my husband's with a missed payment. Today after I called multiple times, they said the 'private investor' who owned the account denied the settlement. They act in bad faith.

  Business response

  10/27/2021

  Business Response /* (1000, 5, 2021/09/27) */ Please find Community's response attached. Thank you. Consumer Response /* (3000, 7, 2021/10/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) Citifinancial was named in the foreclosure and had no lien attached to the property afterward. The clerk of courts has confirmed that there is no lien attached by Citifinancial/Bayview/CLS to our former property and there has not been since the foreclosure back in 2011. With no lien, this is an unsecured debt, not a mortgage. If Citifinancial sold this to Bayview as a mortgage, whether intentionally or in error, Bayview did not do their own due diligence in discovering no lien was attached to this debt. Something I have been trying for YEARS to tell Bayview/CLS all along. The current creditor's name and contact info is still unknown. I do not know where the remaining balance came from. CLS has recently made changes to my Equifax credit report now stating that this is a Conventional Real Estate Mortgage, which it is not, nor has it ever been. They've also reported that the last payment was made on June 1, 2021 which is also incorrect. I would like to settle this but after having them blow off my original offer, then adding false information to my credit report, I don't know that I have enough trust to give them a lump sum settlement and have them come back at us again. I need to have a statement that they would take a settlement as payment in full and not then sell the remaining balance to another collection agency. Business Response /* (4000, 9, 2021/10/14) */ Please find Community's response attached.

• Initial Complaint

  09/09/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I was informed that I could not be late when entering forbearance due to covid. I made 3 payments before entering forbearance. I have called several times to Community Loan Serv. and each time given different information. The representatives handling the calls do not know what they are doing. I was told that the past due would be removed once I entered modification then no that I was late 1 payment when entering forbearance. I am trying to get myself back on track and due to Community Loan Serv. giving incorrect information I can't refinance. I tried to pay the 1 payment late I was told no. I tried to pay $2 but told no it was a computer glitch and will be corrected. 8/14/21I made 1.5 payment and told first it was a computer glitch then apparently it was my error but the representative called me back but did not leave a message. Now I show late from 10/21/XXXX - X/21/2021. I wrote a letter to Community Loan Serv.to have the past due removed but informed no all my fault.

  Business response

  11/02/2021

  Business Response /* (1000, 5, 2021/09/24) */ Please find Community's response attached. Thank you. Consumer Response /* (3000, 12, 2021/10/08) */ From: ****** ****** <*******@yahoo.com> Date: Wed, Oct 6, 2021 at 12:29 PM Subject: Re: BBB Complaint Case# 90645271 (Ref#XXX-XXXXXXXX-XXXXXXXX-X-XXXX) To: Better Business Bureau <********@bbbsefl.org> Pls know I did nothing sed this until now. I am not satisfied with the response. I do not have document to show but I want Community to send me a copy of the recording from when I paid the 3 months. They record all the conversations and never send me copied of what we discuss with representative. Sent from my iPhone Business Response /* (4000, 14, 2021/10/18) */ Community's response is attached. Consumer Response /* (4200, 16, 2021/10/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) As of this date I am still showing late. When I tried to pay the payment that Community Loan Servicing Representative states no bc I am in the process of modification. Another reason I do not agree with Community Loan Servicing is that I was in a 3 month trial period to be able to modify the loan I made 1.5 mortgage payments in 2 months to het out of the forebearance but I was then told $2.00 short computer glitch. I said I'll pay it then informed by Comm. Loan Serv. Representative no bc you are in review for modification just wait. I have tried to pay the late payment they state I am late and the $2 but I am told no by representatives. This is not fair to me that I try to pay late payment and I only get different information when I call in to inquire. Pls I need help from this large corporation. Business Response /* (4000, 19, 2021/10/28) */ Community's response is attached. Thank you. Consumer Response /* (4200, 21, 2021/10/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) I appreciate Community Loan Servicing updating my credit report. The reason I said no to resolution with the response from Community Loan Servicing is that as of today Bayview still showing me past due on my credit report. Bayview and Community Loan Servicing are affiliated and I need Bayview to update my credit report. Will the Bayview on my credit report be update? Once this is update I will close the case. Consumer Response /* (2000, 23, 2021/11/02) */ From: ****** ****** <*******@yahoo.com> Date: Thu, Oct 28, 2021 at 1:26 PM Subject: Re: BBB Complaint Case# 90645271 (Ref#XXX-XXXXXXXX-XXXXXXXX-XX-XXXX) To: Better Business Bureau <********@bbbsefl.org> Dear BBB, Wanted to thank BBB. Community Loan Servicing removed the past due from my credit report. Please see the attachment that shows my credit report is all in green color and removed the red for 24 months. Green color on my credit report is means now current & good standing. Pls close this case as being resolved.

• Initial Complaint

  08/24/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company keeps reporting on all three credit bureaus negative payment info from 12/2016 to Jan 2018. I dispute it as I have never done business with this company. It's removed off of my credit reports. The company then re-ages it and adds it back on. All debts I had before 2018 were discharged in ch 7 bankruptcy. They are to be listed as zero balance, discharged, no payment history. This company I have never done business with and it's unproven unvalidated debt and if it were to be mine it was discharged in ch 7 bankruptcy in June 2018. They keep re-aging it and tanking my scores. This company is very deceptive. They need to remove their info off of my credit reports as a delete or list $0 balance; discharged, and NO payment history or paid as agreed. They cannot continue to report negative info. Acct # XXXXXX on credit reports. They can't re-age debt in order to add back to credit reports once disputed and removed.

  Business response

  10/20/2021

  Business Response /* (1000, 5, 2021/09/08) */ Please find Community's response attached. Thank you. Consumer Response /* (3000, 12, 2021/09/27) */ From: ******* ******** <***************@gmail.com> Date: Mon, Sep 20, 2021 at 5:28 PM Subject: Re: Case Closure for Case #XXXXXXX To: <********@bbbsefl.org> I just received an email that this case has been closed due to no response from me. I apologize but the email went to spam and I did not see it. It is correct that I have never done business with Community Loan Servicing. Apparently they have renamed themselves again under what used to be Bayloan Servicing. The address appears to be the same. I never received any notice that it had changed. Bayloan Servicing has multiple complaints due to not properly servicing mortgages. They took over my loan from a chase and never let me know. I found out when I went to make my mortgage payment on time and saw the account had been bought by Bayloan. Bayloan never credited the account correctly nor has it ever provided a proper accounting of the account. They wouldn't let me make a payment because they did not have an account number yet and I couldn't make it with Chase because they had already transferred it. As soon as they got an acct number a month later I paid the full amount and was told it would not count against me as they didn't have the acct set up. They lied, in fact Bayloan Servicing lied about everything and never did credit the acct with proper payments that were made on time. They have been sued by other parties previously (which is why they have probably changed their name) and found guilty of adding additional fees they are not allowed to do, not properly crediting accounts, and had to pay a court settlement for it. In addition, good luck getting in touch with anyone there because they never answer the phone and when they do, they give you the runaround. By putting in a dispute, it should not have "re-aged" the account. That is clearly illegal. I would have had to do a transaction or business with this company which I clearly have not done as they just showed up on my credit report. Again, no notice that they had taken over an account. This company has never provided verification or validation that they can report on account. It was discharged in ch. 7. in 2018. I do not agree with this company's response as it is untrue and they have not verified or validated the debt was mine or transaction history. In addition, this company admits I filed disputes. Each dispute should have been thoroughly and properly investigated. Throwing a bunch of documents together does not validate it or verify it. They clearly admit to doing an automated dispute. Not once but several times. The dispute was to be properly investigated, documented and verified, not check a database and certify yeah that's hers. It does not meet proper verification and validation using an automated method. They did not provide any proof of transfer and legal ability to report from Bayloan Servicing to Community Loan Servicing nor notice to me. I am not in agreement with their response and I do not accept their response. Thank you ******* ******** ******* ******** Ph: XXX-XXX-XXXX Fax:XXX-XXX-XXXX Email: ***************@gmail.com Business Response /* (4000, 14, 2021/10/06) */ Please find Community's response attached. Thank you. Consumer Response /* (4200, 16, 2021/10/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) This company is unreal. If you are not Bayloan Servicing then you should not be reporting and intentionally damaging my credit report as u had "no obligation to notify me". If you are reporting inaccurate and unverified information on my credit report then you absolutely are required to notify me which you didnt and admit to. You are required to provide proof when I ask that the debt is mine and that you have a legal right to collect which u don't.you have never provided. You are required to verify and validate that I owe it, the amount, that it is mine, and that you have a legal right to collect which you don't. Nice try talking in circles. There is no circumventing the system. Multiple disputes were filed because you check a database abd auto verify which is illegal. You are required to do a proper investigation. Auto customer verify or dispute is NOT a proper investigation and you know it. I spent hours and hours on the phone with Bayview trying to fix their mess. Forget getting a supervisor or a direct contact or even email. It was all referred to one general 800 number and supervisors were routinely refused. According to your statement - you shouldn't be reporting negative information since we do not have a business relationship and I do not owe you one cent no matter how many circles you draw. You even accuse me of misstating that you were rebranded or renamed then stare you were rebranded. Ridiculous. Do not ever do business with either folks. They are the WORST company Business Response /* (4000, 18, 2021/10/19) */ Community's response is attached.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩