Consumer complaint received 2022-10-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my 3rd time putting in this information!... 
My son is a XXXX yr.old, XXXX ( learning XXXX XXXX from a child til present, I'm his representative ) he's been full time employed since XXXX placed him there out of XXXX an assistant manager in produce. This is his XXXX home ( FHA ) after COVID forbearance he was offered and received a loan modification agreement. He was told to pay XXXX, beginning XX/XX/XXXX until..from the start things got messier and messier XXXX Now the servicer wasn't XXXX, it was XXXX. and they did everything in their power to interfere with the loan modification payments, not even acknowledging the agreement and in XXXX sent us a letter stating that they would no longer accept " PARTIAL PAYMENTS " But we continued to send the payments on time, the servicer now changed again to XXXX XXXX... now it's important to make clear that the trial period on the modification was never mentioned, nothing! and after 3 more on time payments, XXXX began to have questions about these payments and in conversation, told me they didn't see anything about a loan modification agreement... ridiculous..we took clear pictures and sent them to management at XXXX XXXX, and this is when things go from stressful to awful, I told her I needed to make this present payment because it was the 1st, and this woman says " DO NOT MAKE ANY MORE PAYMENTS UNTIL WE CHECK ALL DOCUMENTS DUE TO THE SERVICER CHANGE WITH XXXX ''. the next letter stated we were in default and they were no longer our servicer. Now is when I realized they were deceiving my son, and they just needed an interruption of payments ... A month later we receive a letter stating from XXXX telling XXXX he had been a victim of identity theft from XX/XX/XXXX - XX/XX/XXXX and how sorry they were, WHAT? the exact dates when the loan modification agreement began? 
and when I looked for documents I'd sent and my son had saved were GONE! but I have other correspondence, and I know that not once did XXXX send any receipts, nothing, no monthly updates! ever... and when they started foreclosure... Well what do u know... The loan modification agreement was important now, for the courthouse! they even gave my son some paperwork, came right to the Front Door! Just last week a lawyer sent a letter '' wanting to help him keep his home '' ( by short sale or file for bankruptcy )! It stated the papers were filed XX/XX/XXXX and he wanted to help with the hearing.. that date? XXXX his letter was dated XX/XX/XXXX it came in the mail XX/XX/XXXX ... Can U believe that! Now it looks like he didn't even care enough to show up for the hearing! Well I have news for these people My son wants a home and not to be deceived like any other hardworking American... I'm disgusted and deeply saddened and disappointed that this is happening to us, he brought me, his mother, and his sister who is XXXX with XXXX XXXX to live with him on XX/XX/XXXX and this ist right, it's flagrant disrespect to treat people like they're to poor or XXXX to fight this... I hope this wasn't a waste of time and U stand up for us.. GOD BLESS!!!

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