Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
Next Step You now have the full text for all agencies in one place. 
Since CFPB is already filed, the next immediate submissions should be : - Michigan Attorney General - Michigan DIFS - HUD ( RESPA ) Then follow with FHFA and OCC/FDIC depending on your loan type and servicers regulator. 
Reverse negative reporting of late or missed payments, Full Complaint Package 1. CFPB ( already submitted, but add this followup if needed ) Narrative : Lakeview/XXXX fabricated an escrow shortage, issued contradictory escrow analyses, misapplied payments, and failed to correct errors after notice. Despite providing tax bills, insurance declarations, bank statements, and proof of timely payments, the servicer refused to correct errors. Payments were placed in suspense, split incorrectly, or applied to wrong categories, creating false delinquency. Income documentation was mishandled. 
Insurance Violation : I had valid insurance with XXXX  XXXX, paid in full for the year in XX/XX/year>. Despite this, in XX/XX/year> Lakeview/XXXX  paid XXXX {$2400.00} out of my escrow account without my knowledge or consent. I never requested or authorized coverage with XXXX. This unauthorized disbursement created an artificial escrow shortage and increased my monthly mortgage payment. 
Requested Relief : - Correct escrow account and remove fabricated shortage - Refund unauthorized XXXX payment - Properly reapply payments - Remove false delinquency/fees - Provide corrected account history in writing - Retract false credit reporting - Forward complaint to HUD, FHFA, OCC/FDIC 2 . Michigan Attorney General Summary : Lakeview/XXXX engaged in deceptive and unfair mortgageservicing practices, including fabricated escrow shortages, miscalculated escrow analyses, misapplication of payments, unauthorized insurance disbursement, and failure to correct errors after notice. 
Violations : - Michigan Consumer Protection Act - Unfair and deceptive practices - Failure to maintain accurate records Requested Relief : Investigation and enforcement requiring Lakeview/XXXX to refund unauthorized insurance payments, correct escrow errors, reapply payments properly, remove false delinquency, and provide a corrected account history. 

3. Michigan Department of Insurance and Financial Services ( DIFS ) Summary : LakeviewXXXX violated Michigan mortgageservicing regulations by issuing inaccurate escrow calculations, fabricating shortages, misapplying payments, and paying XXXX Insurance without borrower authorization despite valid coverage with XXXX  XXXX XXXX 
Requested Relief : Regulatory review and corrective action, including requiring LakeviewXXXX to produce all escrow transaction records, refund unauthorized disbursements, and correct servicing errors. 

4. HUD RESPA Enforcement Summary : LakeviewXXXX violated RESPA by issuing inaccurate escrow analyses, fabricating shortages, misapplying payments, and failing to correct errors after notice. They also improperly forceplaced insurance by paying XXXX despite valid coverage with XXXX  XXXX. 
Violations : - RESPA 1024.17 Escrow account requirements- RESPA 1024.35 Error resolution Requested Relief : HUD review and enforcement requiring Lakeview/XXXX  to provide complete escrow documentation, refund unauthorized insurance disbursements, correct all errors, and comply with RESPA. 

5. FHFA XXXX XXXX XXXX Oversight Summary : If my loan is backed by XXXX XXXX or XXXX XXXX XXXX Lakeview/XXXX failed to meet servicing standards by fabricating escrow shortages, misapplying payments, and paying XXXX without authorization despite valid coverage with XXXX  XXXX. 
Requested Relief : FHFA review and enforcement requiring Lakeview/XXXX  to correct servicing errors, refund unauthorized disbursements, and comply with GSE servicing guidelines. 

6. OCC or FDIC Federal Banking Regulator Summary : LakeviewXXXX engaged in mortgageservicing misconduct, including fabricated escrow shortages, misapplied payments, contradictory escrow analyses, unauthorized insurance disbursement, and failure to correct errors after notice. 
Violations : - Federal banking regulations on escrow management - CFPB servicing rules- Unfair, deceptive, or abusive acts or practices ( UDAAP ) Requested Relief : OCC/FDIC review and enforcement requiring Lakeview/XXXX to produce all escrow transaction records, refund unauthorized insurance disbursements, correct servicing errors, and comply with federal banking and servicing regulations. 

Next Step You now have the full text for all agencies in one place. 
Since CFPB is already filed, the next immediate submissions should be : - Michigan Attorney General - Michigan DIFS - HUD ( RESPA ) Then follow with FHFA and OCC/FDIC depending on your loan type and servicers regulation to also have Lakeview Mortgage prepare credit bureau dispute letters ( XXXX XXXX XXXX  ) so you can challenge the false late payment reporting tied to this escrow/insurance mess? That will protect your credit while these agencies investigate.

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