Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
b'My name is XXXX XXXX I am writing to you to submit an formal complaint against Lakeview loan servicing company(Loan Care). The reason Im writing is because Ive taken out a loan through Loan Care for XXXX back in XXXX XXXX and believes that there has been fraudulent practicing through out the loan.\nIn XXXX when COVID-19 has hit, I was off work for a while which caused me to fall behind in my payments. I would guess that I was behind almost XXXX months or so but mind you I was paying faithfully every month before the pandemic had taken place. I reached out to them asking them were there any relief funds or any type of assistance available to help in the situation. Their response was sure, we will put your loan in a forbearance, having the payments wrapped around the back end of the loan. Little did I know that it would become a lie. It was a way to obviously swindle me out of extra money. I did continue with payments there after that period ended. In the year XXXX  I took sick. I have been battling with XXXX XXXX XXXX, which took me off work for a few months which caused me to fall behind in my payments. I received a monthly statement saying that I owed over XXXX and I could get a partial claim to help. I agreed on that partial claim but told them I did not agree with the balance of over XXXX owed but I state to her that I am opened to the partial claim. Well the next few weeks after I got another statement saying I owed XXXX now which was not true at all. I was making payments before and after the pandemic begin so how could this amount be owed. I was struggling to pay but I still made payments, and I have proof through my bank records. I did reach out to them about that amount, they said I never made any payments since XXXX began. Again, that is not true at all. Then they said, the balance that you see is correct sir. I stated, I dont owe that amount its obviously some type of mistake here. I told her the payment I missed during covid was supposed to be wrapped around the loan. As promised. She responded obviously it wasnt so this amount needs to be paid, or we will foreclosure on your home this month. She also said a short sale of our home will be in our best interest. I did not want them to take my home so I agreed to the XXXX partial claim to take care of the balance. I signed the paperwork and sent it back. She said we will send your contract to you after everything is processed.\n \n \n \n \n I trusted them and thought this is was needed to save my home. When I received the paperwork in the mail. The paperwork arrived and stated I took out a partial claim for XXXX  And XXXX for a modification plus my home interest change rate has changed. I never agreed on a modification or a rate change. This was not mentioned in the conversation at all so why would the do this. I do not remember signing anything for XXXX so thats being said Im convinced my signature was placed on that document fraudulently. The reason I would not sign off on it because I knew I did not owe XXXX  that could not be possible. My mortgage payment was only XXXX XXXXer month with taxes of XXXX  Per year with my senior exemption. Think about this. If I never made a payment since XXXX XXXX until XXXX XXXX as they are stating, but I know it is not true. I would have owed XXXX count it up. But again, I was making payments all the time but they  obviously wasnt applying my payments as they should have. I believe my payments were obviously been stolen by someone in their payment center. I got proof through my bank records that I was making these payments.\nNevertheless, In XXXX XXXX  they reached out to me again and stated I am behind XXXX  again and I needed to do something quick to save my home. They said-another partial claim would be in my best interest. I agreed again, why? cause they had threaten to take my home again and I\nI did want them to foreclosure on my home as the said. Im XXXX years old with a wife and XXXX children who is under age. Where would we all go? Also I didnt have anyone willing to help me fight them at the  time so I agreed. They states at the time I signed off , it will take care of the supposed balance owed. Well I did so and, I made every payment thereafter. This time I kept up with every record because I come to realize that they obviously had someone stealing my payments and playing games to get extra money for me. After the partial claim my payments was not supposed to start until XXXX XXXX but I made my first payment in XXXX  after being told my payments was only going to be a higher then I  normally pay for some reason. But I was told after I made the payment that they took that XXXX payment and put it towards what I still owe. How was there a balance owed. When they just took XXXX XXXXo pay what I supposed to have owed. Then why take my payment and but it towards that balance after  I told them it was for my first payment for the month of October. There shouldve been a balance due at that time to take this payment. I was also told by one of their representatives that this loan company(loan care) has been given a grant of over XXXX  on my behalf by the state/ government funding program  but wasnt applied to our loan for some reason.She stated that this was something they did on our behalf to supposedly help us, but again it was not applied to my loan. So where did that money go?Can they do this without my consent ? They tried saying I did it but I did not. I have a recorded audio of my own to verify this information. I do not understand how this could be done without my consent . Back to the payments after the last partial claim. In XXXX XXXX  where the payments were supposed to start in XXXX. They never applied by XXXX payment for the month of XXXX\n \n \n so\n \n \n \n I ended up paying for XXXX   again and then I got a letter saying that the payments would not start up until XXXX XXXX, so no payments needed on my end until XXXX XXXX, so I skipped the XXXX  payment as instructed and proceeded to pay every month thereafter. I may have been late a few times, but I made sure it was paid and I have receipts and bank payments records to prove it all. Well in XXXX XXXX I got another letter  saying I was three or four months behind on payment I responded. It is no way I got proof I paid for every month after the partial claim as Promise. I had them to escalate the call to a highest person or supervisor there I was told by that supervisor to summit my payments as proof which I did. I summited proof that every payment was paid through to the payment research team. They was supposed to look it and get back to me. No one ever got back to me. I called back In and the representative told me they have looked over it and came to the conclusion that I still owed this amount. Then she stated you could qualify for another partial claim to take care of the balance. Well I am not going to agree to another partial claim for the made up amount they are saying I owed so they could pocket the money. I am convinced they are not willing to consider my payment because the payments were stole and it was reflect back on some there. So of course the would  try to arguing with me saying I still owe payments after I proved that I did not . I then call and ask for the situation to be Escalated. I asked the manager if I could summit the payments history to him directly so he could investigate. He said no that the payment center have to handle that. Although I stressed to him the issues and my willingness to submit proof to prove my case. At this point I believe that they all are benefiting from me and possible other borrowers they are doing this to. I got another call in XXXX XXXX threatening to foreclosure on my home. I will be totally ignored them this time. I was again by email saying they will negotiation on the balance well I do not owe a balance so why negotiate?\n Im not about to take another partial claim-out. Im  not in agreement with what they are trying to do. Im asking for your help in this situation. I started off paying XXXX  a month and now paying over XXXX a month I am being told the amount increased and will continue to increase because of negative balance in the escrow that balance has been paid off earlier this year and they still refuse to lower my payments. Im currently on the tax freeze and I have my own house insurance so there is no reason my payments to remain over XXXX a month. I even asked them at one point last year If I could pay off my escrow cause my monthly payment was to high for me. I was denied they stated I could not do that cause I was behind on payments. They have been reporting all these suppose missed payments and amounts to the credit bureau for four years now leaving me in a bad situation. They are predatory lenders who are practicing fraudulent claims around the board.\n XXXX XXXX XXXX XXXX

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