Consumer complaint received 2022-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (HI)

In XX/XX/XXXX I was affected by covid which resulted in a loss of income. I called my mortgage servicer XXXXLake View Mortgage asking for options to avoid falling behind on my mortgage. I was told I qualified for forbearance and was placed on forbearance. In XXXX once I was permanently placed back on full time status I was told I qualified for a loan modification. In approximately XX/XX/XXXX I started the modification process. I called XXXX every month to check on the status of my modification. Thru-out the entire process I was told that I qualified and would be paying about {$650.00} per month for 30 years. I was assured my mortgage loan would not fall into delinquent status while going thru the modification process. I continued to call monthly for updates and was always told my modification was just taking longer than necessary and not to worry because my loan was in good standing. In XX/XX/XXXX I called again and was told my modification would be completed within the week and I should call back to get the update. At no time was I told my modification would be denied. On XX/XX/XXXX I once again called for an update and was told that my modification was declined and that I had until the end of XX/XX/XXXX to make a {$28000.00} payment in full or my loan would be considered delinquent. 
I asked for written notification and was told I needed to wait a week or two for the notice. I asked for other options and was told none were available and if I don't abide with the {$28000.00} payment by the end of the month my home would go into foreclosure. 
I called back on XX/XX/XXXX and once again asked for an update and questioned the modification process. I couldn't understand how my mortgage loan is 2 weeks away from going into delinquent status without me receiving written notification of my loa modification denial or forbearance cancellation? How can my mortgage loan be placed in delinquent status as of XX/XX/XXXX without any supporting documentation? 
Also I tried to make mortage loan payments several times, I was told that I did not need to make payments during modification processing but when I tried to make payments on-line I was unable to make any payments. When I called to ask if I can mail in payments I was also denied. Denied to make my mortgage payments? Is this legal? 
I feel my mortgage company is forcing me into delinquent status and is now threatening to take my home away without providing me any other options or solutions. 
I feel this is deceptive and unethical. What I find more disturbing is the fact I am one of thousands facing this same problem. 
I asked why was I in this position after being told repetitively that I didn't need to worry because I was protected during the entire modification process. I called every month to ensure my mortgage loan was in good standing, and each time I called I was told my mortgage loan was current to date. 
Then within 2 weeks on XX/XX/XXXX I'm told as of XX/XX/XXXX my loan would go into default and delinquent status. How does this happen? 
I feel all parties involved in the process used very deceptive practices and have not provided me sufficient notification or the opportunity to try to obtain {$28000.00} to pay my forbearance balance. 
Will it be legal if I receive my notice of denial at the end XX/XX/XXXX and asked to pay {$28000.00} by XX/XX/XXXX, with no grace period? 
At no time did I receive a call from my mortgage company regarding updates on the status of my modification, nor ask me for any additional information. I personally initiated all contact and followed all procedures to avoid having any of these issues. Each and every time I called I was made to feel my loan modification was guaranteed and I was repeatedly assured everything was fine. 
Please help me, I am an honest hardworking person and I do not deserve this.