Consumer complaint received 2024-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

My house sold at sheriff 's sale, I never intended on forfeiting my home, and the attorney 's office did not provide me with sufficient opportunity to rectify the situation. Starting with the very first escrow statement. When I had fallen behind, I was got a loan modification, which every FHA loan is entitled to, and to review the monthly installment, since it should not have increased so drastically. It started right before I became delinquent on my loan I included the XXXX statements when the increase took place. Payments went from {$1400.00} in XX/XX/XXXX and increased to {$1500.00} on XX/XX/XXXX, with an escrow balance of {$2500.00} reflecting on that payment. My grandfather XXXX XXXX, who was also on the mortgage passed away XX/XX/XXXX, In XX/XX/XXXX, I was trying to figure why the increase and the only thing I saw was that I should have had a starting escrow balance on my XXXX statement, which doesn't reflect anywhere. They responded that they received my request and did not adjust it accordingly. At that point they were just trying to get updated finances and pushing me to refinance. I had explained to them my grandmother was not in a position to go over the finances with me, and she has also been traveling between her daughters homes in Ohio and NJ, and not always accessible to obtain the requested documentation. Through all of this I assured the mortgage company once the modification guidelines were received I would ensure payments were maintained thru XXXX of XXXX when my daughter was XXXX. She was accepted to XXXX XXXX  and I wasn't sure if she was staying in NJ So I really hadn't a clue what my plan was. I explained to them I can maintain the payments now, I just needed the payment amount lowered to the original installment amount. I then received the modification XX/XX/XXXX for a partial claim for {$24000.00} and payments to start XX/XX/XXXX, but my grandfathers name was on the modification to be signed notarized and returned. I called immediately to the person who created the document, XXXX XXXX XXXX and she said confirmed that XXXX provided the claim details, and parties who had to sign, and I need to reach the lender who she transferred me to. I spoke to someone that said they didn't see the modification so I faxed a copy. She was to talk to her supervisor and let me know but still suggested I complete the loss mitigation forms, I explained that this modification brings my past due amount current. She told me to ensure payments were made timely and sign the new one when I receive it. Last week of XXXX I am on the phone requesting the modification and to unlock payment portal and was advised that they revoked the offer XX/XX/XXXX because it wasn't signed and returned and a default judgement had been entered. From that point I have been run in circles trying to keep my property. My daughter changed her plans, and is still in NJ, a full-time XXXX XXXX  at XXXX. In order to have enough income my friend, who is a 100 % XXXX veteran moved here from Illinois in XX/XX/XXXX. I have been spending the last 8 months since, trying to figure out how this even happened. There are additional errors I have come across, and I am only half way thru the paperwork, and never had a chance to thoroughly dissect the complaint. I also brought this to the attorney 's attention an hour before the sale and was advised she was not authorized to continue or adjourn the sale, after sending me notice of the wrong date for a sheriffs sale notified me it was XX/XX/XXXX and it was actually XX/XX/XXXX. In order to prevent from losing my rights I had to file a bankruptcy, which I was very reluctant to do, I didn't think it was called for, and now due to bankruptcy laws, if my home is not sold by XX/XX/XXXX, ( I think ) I still lose it. So I am requesting this matter be reviewed expedited and anyone who can intervene does. The 4 full time residents of this home have no where to go, even if I were to sell the property. We would still be on the streets. In XXXX I also had mixed experiences with the reps I spoke to. After the fact I realized it is because they have 2 phone # s on 1 mailing correspondence, one stating that Foreclosure would not be filed if your loan is subject to a foreclosure moratorium. One is very helpful, the other is just the opposite, I was also overcharged late fees trying to bring my account current. ( see the XX/XX/XXXX and XX/XX/XXXX statement - XXXX payments behind ( prior to the XXXX of the month when my late fee is supposed to be imposed - see disclosure on XX/XX/XXXX ) Loan # XXXX