Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
First, I would like all to know that I put down {$60000.00} cash on this home. 
It has lots of equity in it. 
There would always seem to be a problem getting my payment posted to the mortgage company. I would get multiple statements in a month. Sometimes 2 a week.I tried auto pay to the mortgage co. and would find out later that the payment wasn't posted but I show it being sent from my account. I would get an amount send it in again and still my statements were saying I was late. 
The mortgage co. locked me out of my account so I could not track any of my payments. 
It became routine that I would call to pay so I would have the amount at the time. I would pay by phone and pay a fee to do so. 
I paid via XXXX XXXX to get the payment there. I would call and check on my account and they would say I'm ok. Then I would call and they would say I'm late- I would get different amounts from different people on the same day. I tried everything to get current. Being locked out of my account was very unnerving. 
Next thing I know they send me a modification packet that I didn't ask for. I was told by family members not to sign it because we didn't know why I got it. As time goes on I had financial problems ( pay reduction ) The mortgage co. said I could send in the modification paper work even though it was late. 
I sent it in and they denied it. 
I call and they tell me one thing then someone else tells me something else. This has been going on for over a year. 
Now I'm in pre foreclosure and when I spoke to them in XXXX they said no you're not in foreclosure you've been paying. 
I got my Mother involved an they told her things and didn't follow through. I was told I could reapply for the modification. I did. Never received any correspondence from them they do not return emails or followup on anything. I called today to check on my mod. they said they needed a 4506T which was sent to them via my HUD counselor on XX/XX/XXXX. They said they don't have it and they need additional info. If I didn't call them I would have no idea! I am expected to pay their attorney {$740000.00} by Friday to reinstate. I wanted to see if my modification was accepted or denied before my family and I pay the money to the attorney. Since they have been sitting on my modification for since XX/XX/XXXX with no acknowledgement I am in a dire situation. 
I should have reported them sooner but they always made it seem like it would be ok. 
As a note : I am not saying I don't have any responsibility in this situation. I may have been late on some payments but I would always call to get the current situation. No access to my account is me taking there word for everything and I am left at their mercy. I have a journal of all the times I've called, people 's names and ID number etc. 
In total- No one there can give me the same answer to the same question. Complete runaround. I would have had this resolved if this company was professional.

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