Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
Issue Type : Mortgage servicing / VA refinance Loan Type : XXXX mortgage Property State : Michigan Servicer/Broker XXXX : Texas I am submitting this complaint regarding repeated and concerning conduct during VA refinance attempts involving my mortgage servicer/broker. 

This is the second time I have experienced the same pattern : A late payment is reported ( or alleged ) during a refinance attempt. 
That reporting restricts my ability to refinance with other lenders, leaving me effectively limited to the same company. 
After that leverage is created, new requirements and unexpected monetary demands are introduced shortly before closing. 
Once paid, the refinance proceeds, but results in higher monthly payments, later attributed to escrow adjustments. 

Current Refinance Attempt During the current VA refinance, I was informed that I needed to provide a copy of my wifes government-issued ID, even though she is not a borrower on the loan. I was told this was required before closing, but no clear explanation or specific document was initially identified. 

After I provided the ID, I was then informed that I would be required to pay both a prior allegedly late month and the current month out of pocket before closing, rather than resolving these amounts through the refinance payoff. This requirement was introduced after the late payment had already been reported and after my refinancing options had become limited. 

I am not aware of any VA guideline that requires a borrower to prepay multiple monthly installments outside of the payoff in this manner, especially when such requirements were not disclosed earlier in the process. 

XXXX XXXX ( XXXX ) This same pattern occurred previously. During a prior refinance, I was required to bring approximately {$1000.00} in additional funds to close after similar last-minute requirements were introduced. The refinance was completed, but my monthly payment increased afterward, which was later attributed to escrow changes. 

At the time, I accepted that explanation, but seeing the same sequence of events repeat has raised serious concerns about whether these practices are proper, transparent, or compliant with VA servicing and consumer protection rules. 

Key Concerns Requirements involving a non-borrowing spouse introduced late in the process Late payment reporting coinciding with refinance attempts and limiting borrower choice Unexpected demands for additional funds immediately prior to closing Repeated outcome of higher monthly payments after refinancing Lack of clear, early disclosure of these requirements Apparent pattern, not an isolated incident I am concerned that these actions may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) and XXXX conflict with VA refinance protections, including restrictions on conditioning or steering borrowers through servicing leverage. 

I am requesting that : The servicer provide a written explanation, with citations, for : Why non-borrowing spouse ID was required Why multiple months of payments were required outside the refinance payoff Confirmation that VA and CFPB rules were followed in both refinance attempts A review of whether the late payment reporting was accurate and properly timed A review of whether I was improperly restricted or steered during refinancing Correction of any inaccurate reporting and appropriate remediation if violations are found

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