Consumer complaint received 2019-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

As advised by the CFPB, since the company failed to call me back as promised by XX/XX/2019, I am filing a new complaint. Below and attached is a summary of the communications to the company advising I did not concur and requesting company to refund me for the fees and charges since the original wire transfer on XX/XX/2019 and to reverse all negative reportings to credit agencies since the original wire transfer. The company failed to provide requested information and a new payoff statement during the XX/XX/2019 phone call and did not respond to the closing attorney 's email reqeust which included the returned wire transfer. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I received a phone call today XXXX XXXX from XXXX/Lakeview point of contact name XXXX ID # XXXX regarding the response to this complaint filed by Lakeview/XXXX  that it was considered closed and that per my email below that I did not concur. We discussed my email notification ( see attached email XX/XX/2019 ) and that I did not agree the complaint was resolved based on : the original wire transfer was sent on XX/XX/2019 and XXXX/Lakeview return of the wire transfer in the amount of {$210000.00} ( as per payoff statement requested on XX/XX/2019, issued on XX/XX/2019 and amount good through XX/XX/2019 ). The closing attorney had no knowledge the wire transfer was not accepted until it was returned on XX/XX/2019 a week after closing on the property which was on XX/XX/2019. On XX/XX/2019 the closing attorney XXXX XXXX of XXXX XXXX XXXX, myself and XXXX/Lakeview had a conference call with XXXX/Lakeview trying to resolve the return wire. Ms. XXXX was asked by XXXX/Lakeview to provide documentation of the return wire ( in which she provided XX/XX/2019 via email ) and promised a response to resolve this matter so we could payoff the loan. She never received a response nor received the requested fax of a new payoff statement. It was not communicated from XXXX/Lakeview that the escrow account was short in the amount of {$370.00} during the call. The only documentation we had for the payoff was the original payoff statement which was good through XX/XX/2019 ( the property settled on XX/XX/2019 and the original wire transfer was sent on XX/XX/2019 ). On XX/XX/2019 XXXX/Lakeview escrow account was short funds to pay the insurance but it was NOT until I received via in US Postal Service a hard copy of a new payoff statement received on XX/XX/2019 that I was aware of this amount due. This new payoff statement was issued XX/XX/2019. Had XXXX/Lakeview communicated the escrow shortage amount of {$370.00} at the time the wire transfer was sent on XX/XX/2019 and/or during the conference call on XX/XX/2019 we would have immediately wired the shortage. Unfortunately due to lack of response from XXXX/Lakeview and after multiple requests from both myself and the closing attorney to resolve this matter XXXX/Lakeview continued to charge interest and other fees which totaled {$210000.00} per a new payoff statement requested on XX/XX/2019. I immediately filed this complaint following my last call to XXXX/Lakeview begging to resolve this matter and was told XXXX/Lakeview would not issue a new payoff statement for wire transfer in the amount of {$210000.00} and include the escrow shortage in amount of {$370.00}. 

The overage amount I have paid is in the amount of {$600.00} and the amount I am requesting be refunded by XXXX/Lakeview to me. I continue to get notifications from credit reporting agencies that I am delinquent on this mortgage and having a negative impact on my credit score. I also requested in my complaint that XXXX/Lakeview remove all negative reporting to all credit reporting agencies they made since the original payoff wire transfer on XX/XX/2019. I was assured by XXXX ( ID # XXXX ) today that I would receive a response regarding our phone call today no later than Monday XX/XX/2019.