Consumer complaint received 2023-01-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by Lakeview Loan, LLC. to be Serviced by XXXX XXXX, starting XXXX XX/XX/2022. I have made several attempts to pay my mortgage since this point, and have checked the account information several times for the bank account it is supposed to be drawn from. I have also been very careful to keep plenty money in my account to pay all of the months of my mortgage when they do finally come through. 

Not a single payment has processed in the 3 months that I have been stuck with these 2 companies, and despite several attempts to contact them to resolve the issue, nothing has come of it, and every time a payment is unsuccessful, I receive a new fee. I was never sent any paperwork agreeing to their fee system, which is different to the original loan 's fee system. I am also doing everything I can think to do in order to pay my mortgage. 

I don't believe that I should be responsible to pay extra money each month ontop of my mortgage because a company isn't taking money from the bank account they have on file. I was also under the impression, when I applied for a VA mortgage loan, that the VA loans were supposed to protect veterans from predatory companies, and predatory practices, such as those which seem to be used by XXXX XXXX, and accepted by Lakeview Loan , LLC. with their acceptance of XXXX XXXX as a servicer of their loans. 

XXXX XXXX already has multiple recent legal actions against them, including one from the Consumer Financial Protection Bureau. I don't know why or how these companies are still allowed to own mortgages at all, based on my experience, based on the complaints and reviews left on the XXXX XXXX XXXX XXXX website, and based in the multiple recent legal actions against XXXX XXXX, and I certainly don't understand why they are allowed to own or service VA loans.

All I want is to pay my mortgage every month without fear of defaulting on the loan, while I have more than enough money to pay the monthly payments of the loan. I fear that I have paid nearly a year 's worth of payments on my house, and made several renovations, increasing the value of my house, but that these companies are attempting to gain that property from me, through foreclosure, regardless of my several attempts to pay the monthly payments on my mortgage. There wasn't a single issue with payments on my house with the company they purchased my loan from, even during COVID, which affected all of us. I never made a single late payment prior to this point, and I've been trying my hardest to just get them to take the money I owe on the loan. 

Again, I have checked the account details they have on file to ensure they are correct. I have been constantly checking my bank account to make sure that I have enough money for the payments, now three months worth, will go through. I just want to pay my loan, like I had been before my loan was purchased and Serviced by these companies which I view as predatory.

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