Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
Prior to letter from LakeViews XXXX server, my mortgage payment was {$840.00}, I received an escrow analysis XX/XX/year> that my payment was going up due to shortage XX/XX/year> to {$940.00} and my shortage was {$1000.00} and the system was going to spread at {$84.00} causing my payment to go higher based on taxes being {$1400.00} yr and hazard being {$1500.00} yr payment going up so I called to get my shortage at that time spread farther out to get my payment from {$940.00} lowered, loancare spread my shortage 24 months so my payment was {$900.00} per month but was still very high for me to pay. I sent a email to XXXX XXXX to see if they can spread it farther and they did not reply to my letter, not any response then I got another letter XX/XX/year> stating my shortage was now {$1800.00} and my payment with a longer shortage spread was going from XXXX to {$930.00} so I had some money I called XXXX XXXX to pay the shortage because that day I also got a cheaper hazard Insurance so my payment would go from {$1500.00} to {$1200.00} yr and that would lower my payment with adding hazard per year and taxes per yr dividend by 12 months taxes {$1400.00} yr hazard {$1200.00} = {$2700.00} dividend by XXXX {$220.00} monthly adding principal and interest of {$610.00} my new payment after paying complete shortage {$1800.00} would lower my monthly payment to {$840.00} per month, but when I called to speak with XXXX in customer service at XXXX XXXX she said my payment was for XXXX XX/XX/year> {$930.00} due to the shortage that I already paid XXXX XXXX I asked for a manager who was in the XXXX XXXX department and his name was XXXX, he stated that he could not do an out of cycle escrow analysis so I asked to speak to a manager, and his name was XXXX, XXXX also stated that he was not able to do an out of cycle escrow analysis which really made me very upset because I had paid the complete escrow shortage that XXXX said I would have to pay a higher amount all the way till XXXX then I would pay the correct payment of {$840.00} I believe is what he stated, after being on the phone with him they closed at XXXX so he was not able to run an escrow analysis and he would put in the request on XX/XX/year> I had called that day to see if the payment for shortage was processed and the new hazard company was added. That was the reason I called originally not knowing my payment was not changed and I was told by XXXX I was not changing till XXXX XXXX they were going to over charge me {$66.00} more than my payment for three months. I said no I cant afford that, he said it was closed and he would file the paperwork, so I called the automated system every couple of days since and talked to another woman Monday XX/XX/year> who said it still showed no change but said she sees a manager was working on it, then I called again today and spoke to XXXX in customer service who said payment had not changed so I asked for a manager and got XXXX who said he did not see a request for an out of cycle escrow analysis and I ask why didnt XXXX put the request in when I spoke to him waiting a week to get it done so I can schedule my mortgage payment so I dont get a late fee and was told oh late fees can be waived and then I said thats not the point I cant pay a higher amount I need this change asap because I cant pay more then the {$840.00} because I just paid the shortage and if XXXX did not put the request in and this goes to XXXX this will effect my credit and then my hazard and auto insurance payment than goes by my credit goes up and I could lose my home because all the other fees this will cause me and he darios said like no big deal I put the request in ( in my mind Im thinking like XXXX did XXXX ) I asked for the name of XXXX manager and XXXX said he could not tell me but gave me his manager XXXX name I asked to speak with her and was told no I wouldnt be talking to her and I asked why he said I didnt need to speak with her as he had done his job and filed the request for the out of cycle escrow analysis to be done, I was upset but ask when will this be completed, he said he didnt know, then he said is there anything else he can do as to get me off the phone- I said I wanted to speak to his manager he again said no that I was not going to speak to her- again he wanted me off the line I told him I was going to file a complaint he said ok do what you say that I didnt need to tell him about it, the notice of error I have no faith in this as its not being done, so now Im worried Im going to lose my home and have higher hazard and auto insurance because XXXX seemed to want me to higher bills that I cant afford and lose my home, please help me so I dont lose my home and ruin my credit causing high hazard and auto insurances payments I cant afford I have 14 of my family living in my home in XXXX and XXXX XXXX and XXXX XXXX and in diapers and food and electric and water is my other concerns

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