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.

*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. ↩