Product: Mortgage

Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/XXXX Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Company Information ( Respondents ) : Lakeview Loan Servicing , LLC XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Mortgage Servicer for Lakeview Loan Servicing ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Law Firm Representing Lakeview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Product/Service in Question : Mortgage Servicing VA-Backed Home Loan Complaint Summary : I am filing a formal complaint against Lakeview Loan Servicing , LLC XXXX and its servicer, XXXX XXXX XXXX, for mortgage servicing fraud, violations of federal foreclosure protections under the CARES Act and VA loan servicing rules XXXX and deceptive legal tactics used in foreclosure proceedings. 
Lakeview Loan Servicing has engaged in misrepresentation of my loan status, failure to comply with VA directives to cease foreclosure, and fraudulent court filings that have wrongfully jeopardized my home. Their servicer, XXXX, has also participated in these deceptive practices, resulting in severe financial and emotional distress. 

1. Violations of Mortgage Servicing Laws & Federal Protections A. Wrongful Foreclosure Filing While I Was in COVID-19 Forbearance 1 . I entered a COVID-19 forbearance under the CARES Act in XXXX, which prohibited foreclosure proceedings during that time. 
2. Lakeview falsely claimed I was in default as of XX/XX/XXXX to justify foreclosure, despite the fact that payments were suspended under forbearance protections. 
3. This is a direct violation of federal law and VA loan servicing rules and demonstrates an intentional effort to misrepresent my loan status to pursue wrongful foreclosure.

B. Failure to Comply with VA Directives Halting Foreclosure 1. On XX/XX/XXXX, the VA issued a directive requiring Lakeview to halt all foreclosure proceedings under a national VA foreclosure hold. 
2. On XX/XX/XXXX, the VA issued a second directive ordering XXXX to stop foreclosure due to an approved VA buyback of my loan. 
3. On XX/XX/XXXX, the VA officially approved the buyback, meaning Lakeview no longer had any legal right to foreclose on the property. 
4. Despite these clear VA directives, Lakeview continued foreclosure proceedings, failed to notify the court of the buyback approval, and intentionally concealed this information from me and the judicial system. 
This is a blatant violation of VA loan servicing regulations, which require servicers to comply with VA loss mitigation programs before initiating foreclosure. 

C. Fraudulent Misrepresentation and Mortgage Servicing Fraud 1. Lakeview and XXXX knowingly concealed material information from the court and from me as a borrower. 
2. They falsely certified to the VA that they had halted foreclosure when they continued legal actions.

3. They misrepresented my forbearance status, foreclosure eligibility, and the VA buyback approval in court filings.

4. They continued foreclosure efforts despite being told multiple times by the VA that they had lost the legal right to do so. 
This constitutes mortgage servicing fraud and deceptive business practices. 

2. Deceptive and Unfair Litigation Tactics 1. Lakeview was in default on my counterclaim as of XX/XX/XXXX, meaning they legally lost the right to contest my claims. 
2. Despite being in default, Lakeview : Filed a Notice of Appearance through new counsel on XX/XX/XXXX. 
Filed a Motion to Strike my Counterclaim, knowing they were in default. 
Filed a Motion for Written Arguments Only, preventing me from fairly presenting my case. 
3. On the same day they filed these improper motions, Lakeview attempted to bribe me with a {$1000.00} offer to withdraw my counterclaim.

4. The Court granted Lakeviews motion to strike my counterclaim based on an alleged process error while completely ignoring their own default status. 
These actions demonstrate deceptive legal tactics designed to obstruct justice and manipulate judicial proceedings. 

3. How This Has Affected Me Wrongful foreclosure proceedings have caused extreme financial distress. 
Lakeviews and XXXX misrepresentations have created unnecessary legal expenses and emotional stress. 
Despite my efforts to resolve this issue legally, Lakeview has ignored VA orders and continued predatory foreclosure efforts. 

4. Resolution Sought I am requesting that the CFPB immediately investigate Lakeview Loan Servicing , LLC, and XXXX XXXX XXXX, for : 1. Wrongful foreclosure actions in violation of federal forbearance protections under the CARES Act. 
2. Failure to comply with VA mortgage servicing guidelines regarding loss mitigation and foreclosure holds.

3. Fraudulent misrepresentation in court proceedings regarding my loan status and foreclosure eligibility.

4. Unfair and deceptive legal tactics used to manipulate judicial outcomes.

5. Request that Lakeview cease all foreclosure proceedings and correct the false default reporting to the VA and credit agencies. 
Given the severity of these violations, I urge the CFPB to take swift enforcement action against Lakeview Loan Servicing and XXXX, including potential fines and legal penalties for their systemic mortgage servicing fraud. 

5. Supporting Documents I am prepared to provide the following evidence to support this complaint : VA correspondence confirming the foreclosure halt and buyback approval. 
Court filings proving Lakeviews fraudulent misrepresentations and procedural misconduct.

Certified mail records showing that Lakeview was repeatedly notified of their violations.

Evidence of the wrongful foreclosure filing during my CARES Act forbearance. 

6. Conclusion Lakeview Loan Servicing , LLC, and XXXX XXXX XXXX, have engaged in deceptive and fraudulent mortgage servicing practices, violating both federal law and VA regulations. Their failure to comply with VA buyback orders, misrepresentations to the court, and wrongful foreclosure actions warrant an immediate investigation and legal action by the CFPB. 
Please confirm receipt of this complaint and advise on the next steps for formal review and enforcement action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX