Bayview Loan Servicing

Company owns foreclosed home behind mine - inground pool uncovered and no fence around pool. What little fence is left is falling into my propety.
This company owns 157 Castle Heights Ave in Pennsville, NJ. They bought it at foreclosure. I live in the property that abuts the backyard. The property has been in disrepair since prior to foreclosure, however, since the "Bank" took over the inground pool is now uncovered and the fence surrounding the property has begun falling into my property. There has been missing piece of fence for a long period of time. Our local statutes REQUIRE properties with pools to have a fence. I can not let my toddler child play in our backyard for fear of her safety - both of the pool itself and the decrepit fence.

I want to pay this account off in full "today"! However, since I'm a senior citizen my son handles all of my accounts. I need someone to work with us
My account number is XXXXXXX. Sometime in April; Bayview Loan took over my account from Citi-financial. When that happened my direct deposit stopped which caused a few of my payments to fall behind. April's payment of $197.26 was paid despite it still being showed on my July statement as past due. There is currently $1,197.26 listed as unapplied/suspense funds on my account. My son made a payment by phone of $1,000 in June. Hence, the total of $1,187,26. Why hasn't this been applied yet? The remaining balance is $1,186.52 that I am willing to pay by phone "today". I simply need someone to accept a payment from my son as he maintains and pays all of my accounts since I am a senior citizen. My son's name is ***. Can we add him for a 24 hour hold in order for this payment to be made? I'm even open to 3-way calling him if that helps. I've sent a letter in the past, and even asked for him to be added to my account for 24hrs to no avail. Can someone please work with me on this to get this account paid off?

They bayview promise us to help us with the load , not to worry about the payment when hurricane Emma came last year. They told me to fix the house and they will put the amount at end of load . I have proof of paper work send to me by them , by email , by post office, and also I have recorded phone calls , they knew that we were paying to fix the house which it came up to $38.000.00 and Insursnce didn't cover all just $20.000.00 by bills where past due and still and now they bayview say they can't help or can't put money in back of load please help for this to resolve thank you we don't want to sell the house and we want to keep it also we just want want was promise to us or work something out to pay little by little
Account_Number: XXXXXXXXXX

company has violated my mortgage contract non stop sense illegally obtaining ownership of said mortgage
November 2015 continuing through today this company has broken the mortgage contract agreed to by us through the original mortgage company. They have falsified documents to show us owing money for an escrow we do not have. They sent request for monies paid to insurance and tax agency for our property when they actually paid nothing. They claim to have put insurance on our property but it was already insured. They send documents stating that we requested a loan modification, which we have never done. They do not apply money we pay directly to our mortgage, which is a direct requirement of our mortgage. Changing terms of our mortgage without our permission. We have been bombarded with collection letters, threats of foreclosure and false totals and amounts due. They send people to our home and they come on our property and take pictures of our property. At the time of the transfer of our mortgage to this company they were immediately informed that we had disputed the sale of the mortgage due to the dispute of the balance. I have repeatedly requested the name of the actual owner of my mortgage and get nothing. Today when I called to dispute the latest anticipated escrow disbursement statement I was told by the computer my number was recognized and I would be connected in one minute. 5 minutes and 37 seconds later I hung up.

They are a rip-off. Not a honest company

My loan was paid up to the principal the sold to Bayview. They classified it as a default loan and ruined my credit.

Regarding Loan Number:XXXXXXX My name is ***. I had this loan with CitiFinancial who decided to sell the loan to Bayview. It was paid unto the balance principal only. All the interests were paid. The company sold it to Bayview after all interests was paid. After I was notified by Bayview Loan Servicing, LLC they stated two choices of paying the full remainder or splitting into eight payments each being of $239.78 plus a down payment of $268.69. I stated then and was assured that it wasn't being refinanced. I made the statement that the interest was already paid on the loan. I was assured that it was just the principal and no interest would be taken. I had chosen the split payment. I now, at this time, understand that Bayview had made this a defaulted loan settlement. This being a defaulted loan is not the case. I want this defaulted loan status and any so called late payments removed from my credit/credit history. They have been reporting this to the credit bureaus, and have been destroying my credit. From the beginning after creating an online account and making the payments there was no access through the online account. Payments did not show and I kept receiving notifications of non-payment. I repeatedly called Stephen Rodriguez and customer service about this and they assured me to ignore those notices that my account showed it was being payed, and that it was an automatic mailing system issue.They stated the payments were being put aside till all payments were collected and then would be payed all at once. They repeatedly had said their system isn't designed to show on the online account site. Of course I was worried about this, but they give you no choice. They also stated that is the way there system was setup for my account and that it wasn't defaulted as stated. After making the December down payment the January payment was mistakenly paid at a higher amount than what was scheduled. February's payment was made at the $239.78. March's payment was made over the phone on March 28 confirmation# XXXXXXX, but was kept in a pending transaction. I had left out of state for a week or so. My wife told me on the trip that she saw the still pending transaction. When I arrived back home I contacted Bayview and was told there was a mistake on my banks side. I had contacted the bank and they assured me that it was Bayview's issue and that the pending transaction meant they had access to the account. I called Bayview back and informed them of this. I put the payment through again and still had a pending. I put the same info through again and it finally went through. The final confirmation # was XXXXXXX. The issue was on Bayview's side not mine nor my bank's fault as repeatedly stated by Bayview's representatives/customer support. I wasn't late and I had the money at all times in my bank account. The issue was Bayview not taking it for "whatever" reason. When the payment is showing pending that means they had accessed to my account. All payments have been made, and I had never defaulted on the loan. This should have never been reported as a defaulted loan. This needs to be corrected to my credit/credit history. I want to see this rectified and verified through the credit bureaus immediately.

I believe Bayview is not apply payments correctly and billing for things not needed on my mortgage. Principal has not gone down as much as it should.
I have been with Bayview Loan Servicing for a number of years. In Sept of 2013 my mortgage balance was $184,123.00 with a 3.375% interest rate. After 5 years of payments in July 2018 my mortgage balance is $174.874.00. I send in payments of $1,000.00 which more than my monthly mortgage payment of $867.78. $197.76 goes to my principal, $490.73 goes to interest, $179.29 goes to my escrow and the remaining $122.22 they put into a fund call UNAPPLIED FUNDS and not towards my principal or past due balance. I also found where they can charge $400 - $675 for appraisals, which each year I get someone at my home saying that they are here on behalf of my mortgage company to do an appraisal. Why do they do this each year and if so, are they charging me for the appraisal? At the rate my principal is being paid, it will take me 73 years to pay off my loan. How is this correct, how can a company apply more than half of the payment towards interest at 3.375%, how can a company take you extra payment money and not apply it towards past due balance or the principal. I am not sure where to turn or who to contact. I can not hire an attorney, I do not have the money. Please look into this matter for me. I am behind on my mortgage and trying to catch up, but if I send in extra money that is not applied to my balance due or principal. Why should I continue?

Estate administration practices & negligence
Bayview Loans is refusing to accept administration rights for the state of NC.

August/2014, My father passed *** whereas the mortgage loan was in both of my parents name, from the date of the death of my father, my mother made several documented attempt's to obtain information as to have the mortgage refinanced to obtain lower interest rate since Bayview's rip off rate of 10.5%

As I said my mother was meticulous on record keeping, whereas after she passed, I found her notebook records on this ordeal in which we feel contributed to her stress & possible death, the law's in NC state that if the spouse of a deceased is listed on the original deed or mortage in this case both was satisfied with the probates courts in Brunswick NC, however Bayview would not accept this NC law.

August/15/2017, I took over the estate as a legal appointed Administrator and have fought this for almost a year now, whereas I'm not the legal administrator of the estate, however I spoke with
Ervin Ibarra & then his supervisor Rafael Bonafonte multiple times.

5/17/18 at 9:59am Mr Bonafonte was able to dig into the records, original deed & mortgage and found my mothers signature and was told that they can now accept my administration rights, whereas supposedly the loan was modified for me to begin payments representing the estate and was asked to give them 2 day's to process the over the phone payment that was made on 5/31/18.

Payment made on 5/31/18, 7/1/18 received notice payment is in the arrears, & not received, late fees applied, whereas I attempted to call customer support and was told that they could not speak with me as further documentation was needed, even though I have documentation from Bayview that the loan was modified to accept me as the administrator, through the 5/17/18 conversation with Mr. Bonafonte.

I also asked about the mortgage life insurance policy that when my father passed, should have taken care of this, but was told there was no such policy, even though I have it in the original loan documentation that was through Citigroup, also listed in the escrow???

This is my last step as I've already started legal procedures with my attorney Trest & Twiggs, whereas they contacted their legal team to no avail, I'm guessing it's lawsuit time, didn't want to have to go this route but it looks as if we are forced too.

UNLAWFUL FORECLOSURE OF A PROPERTY, NO NOTICE OF SALE FILED, POLICE CALLED ON CLIENT FOR NO REASON IN FRONT OF THEIR CHILD. BAYVIEW LOAN SERVICING AND ANY COMPANY AFFILIATED WITH THEM SHOULD HAVE ALL LICENSES REVOKED AND PAY CIVIL PENALTIES FOR THEIR VIOLATIONS OF THE LAW. I CAN BE CALLED DIRECTLY AT MY OFFGICE TO RESOLVE THIS, I HAVE AA SHORT SALE WITH THEM SCEDULED TO CLOSE 7/13 AND ON 7/9 THEY CHANGED THE LOCKS, LEFT THE HOUSE UNSECURED AND WINTERIZED A HOUSE IN THE MIDDLE OF JULY, WHO DOES THAT IN THE MIDDLE OF THE SUMMER. THE HOUSE WAS OCCUPIED, THEY CLAIMED IT WAS NOT. SELLER WENT TO GET THEIR BELONGINGS AND POLICE WERE THERE AND WOULD NOT LET THEM IN.
Product_Or_Service: SHORT SALE
Order_Number: PRIVATE
Account_Number: PRIVATE INFO

How is the corrupt, non professional, loan servicer still able to operate? There are so many lawsuits against Bayview - they steal homeowners monies and still pursue frivolous foreclosures acts. Let's set up a class action suit NOW!

This company is absolutely ridiculous to deal with. After I received a letter from my town stating my taxes were not paid (two months after the due date) this is still not resolved now three months after due date. I offered to pay them myself and take a credit on my escrow they refuse. They do not return calls and their representatives are condescending. I don't understand why I am required to pay my bills monthly, but they are not.... and now a lien can be placed on my home! If this is not resolved by them by 7.10.18 I will pay my own taxes.

see Attached document

I tried to pay my mortgage over the phone and they didn't allow it.
Account # XXXXXXX. Since Bayview took over the servicing of my loan in October of 2016, they have held my mortgage payment checks for up to 10 days after receipt. Rather than stressing over why they werent cashing my check month after month, I decided to use their automated bill pay over the phone to make my payments. After my numerous complaints to the CFPB, including a recent Notice of Error over fees I found inappropriate, they now are not even allowing me to pay my mortgage over the automated service. In the past when I used that service, it recognized my account by the phone number, and would ask me to confirm the last 4 of my social, before asking if I wanted to make a payment. Very smooth, simple transaction. Today, after following all the same steps, I was told to hold for a representative. I went through the same process 11 times over 52 minutes, giving the social, etc., and then being told by the automated service to please hold for a representative. I tried it from another phone number not in their system, and as soon as I put in my account number I went around the same circles again. I have no doubt that this company is deliberately trying to force a default.

Bayview is saying i'm not paying my payments. And keeps saying i'm 4 months past due when I paid $1720 which is what they requested to get caught up.
Bayview took over my mortgage from suntrust. They have been deceitful ever since. I paid all the payments to get caught up. Now they are saying that im $3790 past due after paying $1720 which is what they told me to pay to get the payments caught up. They have many bad reviews and complaints on their Revdex.com about not applying payments to peoples mortgage. I don't appreciate them trying to play with my feelings and emotions and falsely accusing me of not paying my payments when they took them out of my bank account and I have proof of it too! This is stealing my money and I will not have it! Bayview has sent people to my home twice asking them to call them asap and I did talk to them several times and paid two payments. They claim they have the right to inspect my home. But I don't appreciate them lying saying they are trying to reach me even though I have called them and my bank statement with them taking my money out of $860 will show I talked with them. I will not have it! with them trying this deceitful and lying to me like they have donw to others!

Bayview escrow amount increased from $1273.63 monthly to $1425.63. I have contacted Bayview Loan Servicing on several occasions and have been given the run around. My Real Estate Taxes in 2017 was $2,990 and 2018 taxes is $2,964.97 which is only a $25.03 decrease. In addition, the home owners insurance went from 2017 $1049 to 2018 $1112 which is a $63 increase. Furthermore, Safety Insurance disbursed $1106 towards escrow 2018 due to error on their part for no refunding it back in 2017. At this point I'm really frustrated as this increase is additional $152 more a month that does not make any sense even with the increase of the minimal amounts. I'm unsure at this point who I need to contact to get this rectified as it seems no one seems to care to listen the fact that I should have had a -$1143.97 credit on this escrow in bringing my payment down not increase. Please help.
Product_Or_Service: Escrow Analysis

If you happen to make a partial payment to this mortgage servicing company they apply the funds directly to principle. This leads to them showing you not have paid your mortgage in full and being charged late fees. After one phone call to correct the situation I was assured that the funds would be applied appropriately. A month and a half later I found out that the situation was never corrected and called again. After a lengthy phone call I was assured that this time the situation was fixed. Another phone call a week later confirmed that indeed it had not been fixed and that, while they would waive one late charge, they could not waive all of them. After becoming irate on the phone as the late charges were due to their accounting error they agreed to waive them all, but at tis point I am still not sure that they have applied the funds correctly to my account to show it being current. This company is very difficult to deal with. On their own statements it says partial payments will be put into suspense, awaiting further funds to then be applied to the amount due, Instead they automatically get applied to principle which results in them saying you have missed your required monthly payment. At this point you have to call and fight to get the funds taken out of principle and applied to your monthly payment, as well as fight to have any late fees reversed. TOTAL NIGHTMARE!! It would be one thing if they fixed it when you called the first time but I am on month three now and still not sure it has been fixed.
Product_Or_Service: Mortgage service
Account_Number: XXXXXX

Requested payoff amount is over 10,000 more than listed and no one can explain why.
I am trying to get refinanced to a reasonable rate and this company will not cooperate. Refuse to let me talk to supervisors and supervisors never return phone calls. Now I am trying to find why my payoff is more than 10,000 more than it should be and no one can explain it to me

I have been working with Bayview Loan Servicing on a Loan Modification since my husband was paralyzed in an accident and was trying to work part time while on SSDI. We have always spoke to Bayview about our desire to keep the property, It's in perfect shape and we have a lot of equity. We have always communicated with them and we always make payments. My husband broke his back and suffered a spinal cord injury. He's paralyzed and lost a toe already. He has always tried to work to supplement SSDI but the past year he has been unable to . He has contracted an infection on his paralyzed leg and he's facing amputation of that leg. I've missed work taking him to appointments. We filed for a medication and made the modifications payments as requested. Then, when they sent the final paperwork, they requested that it be modified. This took us some extra time because he's been so sick. IN the past we always got the paperwork back in because he didn't have to leave the house to have it modified. He's been in and out of the hospital for the past year - most recently this past Saturday. We did send the paperwork back and we did have it notarized. Now, Bayview is saying TOO LATE - we are going to foreclose. When I spoke to The Customer Rep *** I begged for a soluation, but all she keep repeating was that it was going into foreclosue - all over a few weeks late paperwork that they did ultimately receive. She wouldn't transfer me to a supervisor and she wouldn't say anything to help. I begged for a solution - but she kept saying no! She was so rude and so evasive, I'm afraid I'm going to lose my house. Where will we live. We have three kids, two in college and my husband is facing amputation. We are willing to pay and did pay the modification plan. I don't even know what to pya this month. She informed me that I wasn't likely to get another modification in her opion.
Product_Or_Service: Mortgage Loan Modification

Bayview changed my interest rate on July 1st bill. Per the terms of my mortgage note it does not to adjust until November 1st as it does every year
Account #XXXXXX
July 1, 2018 billing

I have an adjustable mortgage which adjust on November 1st yearly and is clearly stated in my Mortgage Note. Bayview sent me bill due on July 1st, 2018 with a higher interest rate. The current rate is 3.375 and they adjusted it to 4% unlawfully.

On June 11 & June 14 I spoke with a person named *** XXX-XXX-XXXX and it still is not resolved. She said she sent emails to the deparment/person that can change the interest back to what it should be but has not received a response. She verified that my note does indeed call for an adjustment on November 1st (NOT on July 1)has it does every year. *** said that she is unable to make the change but could not give me a phone # or name of a person that I can speak to to get this handled.

Delayed payoff, still waiting on a call back from a supervisor for over a week, refuses to give documentation about payment history and respond to me
Delayed payoff, still waiting on a call back from a supervisor for over a week, refuses to give documentation about payment history and respond to me