Consumer complaint received 2022-08-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Re : XXXX subserviced by Loan Care Loan # XXXX Gentlemen, I am asking for your help & intervention to resolve my issue regarding the above, I tried my best for the last several months to no avail! 
To date I do not know the status of my acct., I have been & continue to receive erroneous information have escalated the case to team leaders with no resolution! 
Here is what happened : I was impacted by the XXXX XXXX and was giving the option of a loan modification back in XXXX, XXXX, with a new mo. amount of {$2800.00}. 
I made the XXXX trial payments on timely bases, received, motorized and send back the documents. 
I received a set from the bank for my record, and was advised that the XXXX statement was soon arriving, so I can resume my new monthly payments. 
XX/XX/XXXX called, asked about the statement, was told, will be received shortly. 
XX/XX/XXXX called, rec. no stat. to date, made the XX/XX/XXXX payment. 
XX/XX/XXXX received text message from bank, to contact them, documents needed! 
XX/XX/XXXX spoke to XXXX, asked what docs needed? He advised non bedded, they were received on XX/XX/XXXX. 
XX/XX/XXXX another text message from bank, docs. needed! 
XX/XX/XXXX spoke to XXXX, advised that there was a bank error the capitalization was done incorrectly, new docs. needs he was sending another set. 
XX/XX/XXXX no docs.! Asked to speaks to a supervisor, was transferred to XXXX, in Loss Mitigation, who advised that the reason I am not receiving the monthly statements is because an error accrued with my XXXX trial & XX/XX/XXXX payments, they were not correctly applied to the account. 
She was going to request to be resolved and the payments appropriated to the correct months and she was going to call me on that following Monday. 
Monday, no call! 
XX/XX/XXXX spoke to XXXX, concerned about the status of my acct. and asked that I would like to make the payments, that I have not heard back from XXXX, she contacted her, told me that she is still working to resolve the payments and told me not to make any payments until the acct. is resolved, because it will confuse & delay further the situation. 
XXXX/XXXX called regarding status, was told XXXX is still working on the case, should be resolved soon! 
XX/XX/XXXX received certified mail with notice of intention to foreclose with a default amount {$61.00}, XXXX and monthly payments due of {$3600.00} from XXXX & {$3200.00} from XXXX which amounts I can not reconcile and none of the amounts paid anywhere reflected from what I received! 
XX/XX/XXXX spoke to XXXX, advised no docs received, received foreclosure letter with amounts that I can not reconcile, need an itemized statement as to what the {$61000.00} represents. She transferred me to kiss mitigation team leader XXXX. 
XX/XX/XXXX XXXX advised that since the documents were not signed on timely bases and according to the XXXX XXXX guidelines XXXX there is no choice but to apply for another loan modification which will take apx. XXXX weeks! 
I protested and told him that this is not acceptable, I reviewed what transpired and gave the dates that I was in contact with the bank, I did my due diligence, but I felt that Loan Care did not! 
He told me that if I what to keep my home, this is what needs to be done, otherwise I am going into foreclosure as of XX/XX/XXXX!!! 
He also mentioned that according to his records mail is being returned back, I advised him that there must be an error, since I gave not moved! 
He also advised that I should make the payment that is due in the amount of {$3200.00} which I agreed to and he processed. 
XX/XX/XXXX called spoke to XXXX, got disconnected! 
XX/XX/XXXX spoke to XXXX, transferred to loss mitigation on hold for more than 1 1/2 hrs. 
XXXX called back, spoke to XXXX, disconnected XXXX 
XX/XX/XXXX spoke to XXXX, she informed me that as of XX/XX/XXXX I was removed from Loss Mitigation since I did not qualify for a deferment! 
I informed her that I did not ask for a deferment! 
Explained to her the situation, she made few calls & advised that she was able to arrange for the documents ti be send to me via XXXX & will take 5-7 business days to receive. 
Gentlemen, to date I am not in receipt of any documents nor do I know the situation with my loan!

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