Consumer complaint received 2022-03-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid I have to take a forbearance on my mortgage. The forbearance ended on XX/XX/XXXX. I chose to do a loan modification which took 2.5 months to complete. Every time I called during this time period I was told I did not owe anything until the loan modification was complete. On XX/XX/XXXX I called for a loan update and to inquire about letters I received from the lender stating I was behind. I was told by the gentleman to ignore the letters as they were from an automated system, that there were almost done with my modification and my 1st new payment would be due on XX/XX/XXXX. I specifically asked if I would be paying for the months it took to complete the loan modification and was told no. He told me he couldn't accept money from me even if he wanted to because they didn't know what my note was yet! He assured me on XX/XX/XXXX, I would only be responsible for that month 's mortgage bill. So, I call on XX/XX/XXXX ready to pay and was informed I was 4 months behind! When I explained what they told me Every Time I Called, they called me a liar and said they could only accept the whole amount due! I start saving my money to pay them. Then, on XX/XX/XXXX XXXX sends me a certified letter from them stating I have until XX/XX/XXXX to pay {$10000.00} to cure my default and avoid foreclosure. So on XX/XX/XXXX I call and speak with XXXX to let her know I will have the funds in a week and am told on XX/XX/XXXX ( a day before they sent me the certified letter ) they put my home in active foreclosure! XXXX tells me they do not have to honor the Cert. Letter they sent me. I argued with her & begged her to do whatever she could to accept my payment and am told she will work on it. I called again on XX/XX/XXXX to make the payment and was told they can not accept it and are unsure if they could reinstate my loan! They told me to wait a week for a letter from their attorneys and that if they could reinstate my loan, I would also have to pay their attorneys fees in full! I am a single mother who's real estate business was destroyed by covid. I don't see how it's fair for them to continue to tell me one thing and then change their mind! They also sent me several documents ( which I still have ) ( promissory notes for over {$21000.00} and others ) which they deny sending me. I also know that they record all of their phone conversations and have records of all of our conversations. I believe they need to honor what they told me and allow me to pay the house notes I am behind on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which I can pay now! I am also being sued by XXXX XXXX tax assessor because they have not paid my taxes! Please, I am begging you, if there is anything you can do to help me! I am not a bad person, I do not break the law, I do not do bad things, never been arrested! I am just a hard working single mother trying to recover from the havoc covid caused my business. 
Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX

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