Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
COMPLAINT NARRATIVE I am submitting this emergency complaint because Lakeview Loan Servicing , LLC and its foreclosure trustee, XXXX XXXX XXXX, are proceeding with a non-judicial trustee 's sale scheduled for XX/XX/XXXX at XXXXXXXX XXXX XXXX while : ( 1 ) refusing to provide reinstatement figures to an interested party who has repeatedly requested them and is ready to cure the default ; ( 2 ) ignoring an active recorded XXXX XXXX and pending XXXX Supreme Court emergency petition ; and ( 3 ) proceeding on a VA-guaranteed loan without proper VA loss-mitigation review or VA Loan Technician intervention . THE PROPERTY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX | TS No. XXXX | Servicer : Lakeview Loan Servicing , LLC | Trustee : XXXX XXXX XXXX XXXX SECTION 1 WHO I AM AND WHY I HAVE THE RIGHT TO REINSTATEMENT INFORMATION I am not a stranger to this loan or this property. I am the person who funded it, paid it, and holds recorded title notices on it. The following facts are bank-verified and in the Utah court record : Down Payment {$170000.00} ( 100 % ) : I wired {$140000.00} in gift funds and {$25000.00} in earnest money to XXXX XXXX XXXX on XX/XX/XXXX, covering 100 % of the down payment and closing costs. XXXX XXXX XXXX contributed {$0.00}. The XXXX Settlement Statement for Escrow No. XXXX documents this. On XX/XX/XXXX one day before closing XXXX XXXX confirmed in writing to XXXX XXXX XXXX : 'Anny will be wiring in funds for the down payment. ' ( Exhibit 49, court record. ) Eight Accepted Mortgage Payments {$84000.00} : I personally made eight consecutive mortgage payments totaling {$84000.00} from my personal bank accounts. The servicer accepted every payment without objection. ( Exhibit 57, court record. ) By accepting these payments, the servicer recognized me as a person with a financial interest in this loan. Recorded Title Notices : Notice of Interest Utah County Entry XXXX, recorded XX/XX/XXXX, predating the Notice of Default and every XXXX instrument on this property. XXXX XXXX XXXX XXXX XXXX XXXX, recorded XX/XX/XXXX the most recently recorded instrument on XXXX XXXX . Court Finding of 51 % Ownership : XXXX XXXX XXXX XXXX conducted a full evidentiary hearing on 42 admitted exhibits and entered a Finding of Fact on XX/XX/XXXX ( XXXX. XXXX ) : XXXX XXXX XXXX XXXX the majority owner of XXXX XXXX, XXXX XXXX holding a controlling interest of fifty-one percent ( 51 % ). ' This finding has never been reversed, vacated, or challenged on the merits. It is the operative law of the case. The trial judge confirmed it on XX/XX/XXXX : ' I did find what XXXX XXXX has filed. It does show her at XXXX and XXXX XXXX at XXXX. ' ( Tr. XXXX. ) Total Documented Contribution {$250000.00} : My total documented financial contribution to this property is {$250000.00}. XXXX XXXX XXXXXXXX XXXX contribution is {$0.00}. I am not asking the servicer to forgive the default. I am asking for the reinstatement amount so I can pay it. SECTION 2 CLEAR RECON 'S WRITTEN REFUSAL TO PROVIDE REINSTATEMENT INFORMATION Despite the above documented interest, XXXX XXXX XXXX has repeatedly refused to provide reinstatement or payoff information. The timeline of my requests and their responses : XX/XX/XXXX Written request for reinstatement figures. No response. XX/XX/XXXX Written request for reinstatement figures. No response. XX/XX/XXXX Written request. No response. XX/XX/XXXX Written request. No response. XX/XX/XXXX Final written demand. Clear Recon responded on XX/XX/XXXX ( before the XX/XX/XXXX demand ) with the following written statement : XXXX XXXX XXXX. WRITTEN STATEMENT, XX/XX/XXXX : " Per Utah Code section 57-1-31 ... only parties with an interest other than ownership ( or asserted ownership ) are entitled to information for reinstatement or payoff. '' " [ Clear Recon ] will no longer be responding to your messages. '' This refusal is legally incorrect. Utah Code 57-1-31.5 defines 'interested party ' to include any person with a right to reinstate which includes a person with a recorded Notice of Interest, a recorded XXXX XXXX , and an unreversed judicial finding of 51 % ownership. XXXX XXXX XXXX interpretation would allow a servicer to proceed to sale while the person who funded the entire property and made the mortgage payments is blocked from even learning how much it would cost to cure. That is precisely what is happening here. SECTION 3 WHY THIS IS A VA LOAN AND WHY THAT MATTERS This is a VA-guaranteed loan. It originated through XXXX XXXX XXXX XXXX and is now serviced by Lakeview Loan Servicing , LLC. VA-guaranteed loans carry special servicer obligations before foreclosure, including : 38 C.F.R. 36.4350 Servicers of VA-guaranteed loans must make reasonable efforts to avoid foreclosure, including exploring all loss-mitigation alternatives. VA Circular 26-21-04 and VA Handbook requirements Servicers must contact borrowers and interested parties and explore all alternatives to foreclosure, including reinstatement, repayment plans, and loan modifications. VA Loan Technician Review VA requires that a VA Loan Technician be assigned to review delinquent VA-guaranteed loans before a foreclosure sale proceeds. I have no evidence that any VA Loan Technician was assigned to this loan or contacted me. The Deed of Trust and Notice of Default both identify the trustor as XXXX XXXX XXXX , MARRIED MAN. ' The lender accepted 100 % of the closing funds from me, accepted eight mortgage payments from me, and now refuses to provide me reinstatement information on a VA loan where I am the economic party in interest. I request CFPB to escalate this complaint to VA Loan Guaranty / the Denver Regional Loan Center immediately and to require Lakeview to confirm whether a VA Loan Technician has been assigned and whether VA loss-mitigation procedures were followed before the XX/XX/XXXX sale was authorized. SECTION 4 ACTIVE LITIGATION AND RECORDED TITLE NOTICES KNOWN TO LAKEVIEW Lakeview Loan Servicing and XXXX XXXX XXXX have actual written notice of the following facts, each communicated in writing before the XX/XX/XXXX sale : XXXX XXXX Entry XXXX ( XX/XX/XXXX ) : The most recently recorded instrument on XXXX XXXX . Any purchaser at the XX/XX/XXXX sale takes title subject to this lis pendens. No legitimate title insurer will issue a clean policy while this litigation is pending. Notice of Interest Entry XXXX ( XX/XX/XXXX ) : Recorded before the Notice of Default and every XXXX instrument on this property. Utah Supreme Court Emergency Petition Case No. [ to be assigned ] : Filed XX/XX/XXXX, under Utah Rule of Appellate Procedure 19, requesting an emergency administrative stay of the XX/XX/XXXX sale. The Utah Court of Appeals denied the prior petitions on XX/XX/XXXX, without any finding of untimeliness and without any merits analysis. The Supreme Court petition was filed the same day as this complaint. Nine Unreversed Judicial Findings of Fact ( Judge XXXX, XXXX XXXX XXXX ) : A full evidentiary hearing on 42 exhibits produced nine Findings of Fact, including that I hold 51 % majority ownership of the LLC owning this property and that Respondents recorded unauthorized deeds clouding title. These findings have never been reversed, challenged, or vacated on the merits. Documented Structural Damage {$960000.00} $ XXXX : A Comprehensive Structural Damage and Asset Impairment Report ( XX/XX/XXXX ) documents systemic slab/foundation distress, crack propagation through multiple basement areas, and associated plumbing, electrical, and exterior damage. The validated planning range is {$960000.00} $ XXXX. The property is not a turnkey, marketable asset. SECTION 5 WHY PROCEEDING TO SALE ON XX/XX/XXXX IS NOT IN THE LENDER 'S INTEREST This section is addressed directly to Lakeview Loan Servicing and is included in this complaint as notice of economic reality : The property carries an active XXXX XXXX ( Entry XXXX ). No title insurer will issue a clean policy. The reduced buyer pool at the foreclosure auction directly reduces Lakeview 's net recovery. The property has {$960000.00} $ XXXX in documented structural damage. A buyer at a foreclosure auction will discount bids accordingly. Lakeview will recover a fraction of the loan balance, not the full amount. I am prepared to cure the default. I am not asking for forgiveness. I need a reinstatement figure, a good-through date, and wire instructions. My documented cure options include litigation financing and equity-recovery arrangements supported by my 51 % ownership interest in a $ XXXX property. A 45-60 day postponement delivers : full reinstatement of a performing loan at face value, clear title when litigation resolves, and zero exposure to contempt or damages from pending court orders. A completed sale on XX/XX/XXXX delivers the opposite on every one of these points.

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