Consumer complaint received 2022-07-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent XXXX XXXX XXXX ( sub-servicer of Lakeview Loan Servicing , LLC ) notice of debt validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g requesting the following : SPECIFIC ITEMS REQUESTED 1. What is the name and address of alleged creditor?

2. What is the name on file of alleged debtor?

3. What is the alleged account number?

4. What is the address on file for the alleged debtor?

5. What is the amount of alleged debt?

6. What was the date this alleged debt became payable?

7. What was the date of the original charge or delinquency?

8. Was this debt assigned to a debt collector or purchased?

9. What was the amount paid if debt was purchased?

10. What is or will be the commission for debt if collection efforts are successful?

11. Have any insurance claims been made by any creditor regarding this account?

12. Have any judgments been obtained by any creditor regarding this account?

Please attach copies of the following : 1. If applicable, the agreement with your client that grants any collection agency the authority to collect this alleged debt.

2. The signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.

3. Any agreement that bears the signature of debtor, wherein agreed to pay creditor.

4. All statements while this account was open.

5. The name and address of the bonding agent for all and any debt collectors involved in the collection of this alleged debt 6. All insurance claims made by any creditor regarding this account.

7. A full audit trail and all Forward Flow agreements 8. All transfer notices pursuant 12 CFR 1024.

9. The company 's debt validation process 10. Proof that the company completed the debt validation process.

11. Proof that debtor has validated debt.

They replied with following documents : security deed, Loan Estimate, Closing Disclosure, Account History, Annual Escrow Account Disclosure Statements, Conventional Breach Letter, and six months of monthly statements.

I am now demanding Lakeview to delete this account since it has not been validated, zero out the balance on this account, grant me my title lien free, pay the attached invoice and compensate me for every violation labeled in the attached exhibits, Deletion of any of my accounts with them from all consumer reports. 

1. Lakeview did not provide a legally binding contract between them and I.

2. Lakeview did not provide any legally binding Flow Forwarding agreements or legal audit trails.

3. Lakeview did not identify the original creditor.

4. Lakeview did not provide the steps or a process of debt validation investigation.

5. Lakeview did not provide evidence that they actually completed a debt validation investigation.

6. Alleged debtor ( myself ) disputes the validity of the debt with alleged creditor ( Lakeview ).

7. Lakeview did not provide any transfer notices from original creditor pursuant 12 CFR 1024.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation