Consumer complaint received 2023-06-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a Annual Escrow Acct Stmt from our Mortgage Co.Lakeview sub-serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Loan # XXXX on XXXX dated XX/XX/XXXX the document stated we have an Escrow Shortage of XXXX and that are monthly payment would increase to {$1200.00}. We are on a very low fixed income 2 persons SSA & SSI annual net combined income {$25000.00} are current mortgage is {$930.00} with the drastic increase in cost of living we are having to struggle making the payment we can not afford to pay anymore. I have owned properties in the past but never had an XXXX XXXX Account it was my responsibility to pay taxes and insurance. I reviewed the XXXX Account and saw that they were charging us for an insurance that was cancelled for {$1400.00}. I obtained insurance thru XXXX XXXX XXXX annual rate {$1000.00}. Also I saw the amount of property tax they had was in error they showed the annual amount {$1500.00} I called the Assesors office to confirm what amount our property taxes are and he said {$1100.00} and I also received a DELINQUENT NOTICE from Tax Collector that our r supplemental bill had not been paid it was XXXX + penalties XXXX = XXXX which is due by XX/XX/XXXX, I never received a bill in the mail and since the taxes were being paid thru Escrow I did not think we owed anything I calculated what we should be paying : it comes out to {$270.00} They have been charging us XXXX monthly I feel they owe us a refund and we do not have an Escrow Shortage. I have called XXXX on XX/XX/XXXX spoke to XXXX at XXXX XXXX XXXX and asked her why we had a shortage she acknowledged that we were still being charged for the insurance that was cancelled ands said she would revise the Escrow account and adjust are mortgage in 5 to 7 days and if I did not get anything by XX/XX/XXXX to call back. On XX/XX/XXXX I still had not received anything so I called Lakeview and spoke to XXXX in XXXX XXXX XXXX and he stated he would analyze the Impound account and send me a revised mortgage before XX/XX/XXXX when mortgage was due. On XX/XX/XXXX I received a notice from Lakeview it was another Annual Escrow Statement there were no changes made to the overcharged amounts still showed we had a shortage of XXXX the only thing that was changed was they prorated the shortage for 24 months instead of 12 months making payments which are due and we can not afford to pay {$1100.00} which is in excusable there is no one at Lakeview Loan competent enough to fix there error and it also states that if we do not pay the full amount by XX/XX/XXXX the amount we pay will go into a suspense account meaning it will look like we have not paid our mortgage and be in jeopardy of loosing our home we desperately need help in resolving this problem because if we loose are home we will be homeless our Savings are depleted we spent them on closing cost when we purchased this manufactured home on XX/XX/XXXX. Then after we are moved in we find out that the home was built in XXXX and is 1,100 sq ft when we purchased it the home was listed as year built XXXX and 1,452 sq ft that is a big difference if we were aware of that we would have never purchased it for {$120000.00} so if you could help in how to resolve that problem it would be greatly appreciated. I have all the documents but for some reason I am not able to download them when I try I get kicked off your website and I log back in and it takes me to START A NEW COMPLAINT.please contact me with information on how to mail you the documents address and person who will be working on my Complaint. Thank you, XXXX XXXX and XXXX XXXX ( joint-tenants ). Contact info : XXXX XXXX XXXX XXXX, CA XXXX ph ( XXXX ) XXXX or ( XXXX ) XXXX email address : XXXX please get back to me because it is imperative that you have the documents so you can see how we are getting over charged now and the upcoming year the escrow is XXXX which it should be lower than what we are paying now it is a fixed rate the only change in Escrow Impound is a reduction in are Home Insurance. We desperately do not want to loose are home and the mortgage company Lakeview will not help it looks to me like they are purposely overcharging us because if we do not pay the new amount of mortgage they can take away our home which is all we have we are senior citizens and we obtained that type of loan because it is for low income families

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