Bayview Loan Servicing Sub/Services Loans for Bank of America. Part of the Job Responsibility that was required is to run SCRA Searches on the Borrowers of the Note on the Federal Government Website known as the Department of Defense. You can use a birth date as well but that is not an accurate search. On February 19 the Foreclosure Manager demanded of us to use an Invalid Fraudulent Social Security Number of 999-99-9999 on numerous borrowers where that is complete fraud. Please See Below E-Mails.
From: Nicholas DeSumma
Sent: Thursday, February 19 12:36 PM
To: Robert Reinish; Paul Gold; Cynthia Sokol
Cc: John Kerr
Subject: RE: *IMPORTANT* SCRA Checks
While I understand your position and don’t disagree that the search is unreliable, respectfully, this is the process that must be followed. We have communicated this to both BOA and Clayton to no avail. They continue to issue findings when searches are not produced. Similar song and dance to running SCRA checks on deceased borrowers. Nonsensical. Nonetheless, we must do it.
From: Nicholas DeSumma
Sent: Thursday, February 19 12:27 PM
To: Paul Gold; Robert Reinish; Cynthia Sokol
Cc: John Kerr
Subject: *IMPORTANT* SCRA Checks
Importance: High
Hello All,
When encountering a situation where we have a non-borrower (Note) mortgagor, if we are unable to locate a SSN or birth date for that individual please run a DOD search using their name and SSN 999-99-9999. Obviously not reliable but we have communicated this to Clayton several times and they still proceed to issue findings for lack of SCRA Certs in this scenario. As such, this is the course of action we are forced to take to produce a Cert. The alternative would be to adjourn the FCL sale and run skip traces, which BOA does not want us to do. I understand the frustration with this mess and feel the same. However, we have to ensure compliance from every angle.
Going forward, we must reference the mortgage and note document to identify all mortgagors & borrowers, respectively. Once identified, we must run DOD checks using their SSN or birth date when available. If neither is available, please run the check using the name and SSN of 999-99-9999.
Please see John or I with any questions or concerns.
Thanks, Nick
Nick DeSumma
Foreclosure Manager
Bayview Loan Servicing, LLC
1301 Virginia Drive, Suite 403
Fort Washington, PA 19034
P: 215.664.1385
F: 786.275.9253
M: 786.449.5287
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