Consumer complaint received 2019-04-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a successor to a property I inherited by my son. My son was XXXX XXXX in XXXX and I became the administrative of the estate and gotten the property probated. I provided the lender with the death certificate and the administrative of the estate paperwork. I began providing the lender with a modification application XXXX XXXXalong with my pension from the XXXX   XXXX XXXX XXXX and my XXXX statement. The property is a duplex with me and tents living in the property. I also provided the lender with two leases in which I receive rental income. The lender filled a judgement stating that the property was empty but was not empty. I was told by XXXX XXXX XXXX XXXX XXXX to go file a some paperwork at City Hall for me to get into mediation court. I filed the paperwork 1 day after they placed a judgement on the property that has been listed for Sheriff Sale and postponed over 18 times. I have been in mediation court 18 times since submitting over 7 modification applications. I never once gotten an approval or a denial on any applications I submitted except for the last modification application in XX/XX/XXXX, XXXX.This is the first time I received a denial letter on XX/XX/XXXX at mediation court. I did not even receive one in the mail ; the attorney provided this letter to the Housing Counselor. Something does not look right with this letter. The letter does not have any letterhead on it and it does not discuss reasons on why the client was denied the modification. When the housing counselor questioned the attorney about the letter and asked the attorney to go back to the lender and give a more detailed letter, the attorney stated that the client needs to submit another application as if the denial letter did not come from the lender. I am very confused why every time I am in mediation court the home is listed for sheriff sale right after. I believe this lender does not want me to assume the property by any means. This lender continued drag this process out by the lender accruing fees for so long, also letting me rack up court fees, sheriff sale fees by continuing to list the property, and also by not following the FHA guidelines of a successor. I was scheduled to go in front of the judge on XX/XX/XXXX, but again the attorney asked me to submit another modification application. I feel like I have been harassed and treated unfairly as a successor of my sons property. I read the FHA guidelines about a successor and it states that I am supposed to be treated as if I am the owner of the property. I do not have all of my modification packages that I submitted because the housing counselor I was working with changed agencies and I have requested my records from the prior agency and I was not given all of my documents. I am seeking a lawyer to take on my case and I will request all of my records from the previous agency. I feel as though this lender is pushing me to file bankruptcy in order for me to save my home in which I live in. I now have to pay an attorney to take this lender to court and also pay an attorney to file bankruptcy before I lose the house to Sheriff Sale. They filed the judgement wrongly anyway saying that no one lived in the home. I provided utility bills to show that I and two other tenants live in the property. I felt they should have stayed the sheriff sale until I was done in mediation court. I am very concerned that this lender may do this to other successor or have done this to other successor. I would like to see this lender be investigated for wrongdoing. This has been a long journey in and out of court and I have been scared to death that my home would be sold to sheriff sale without me being reviewed fairly.

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