Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Background I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran and I have a property tax exemption that means I do not owe property taxes for my primary residence. When I applied for my mortgage in XXXX, my exemption status was part of the loan process and was provided and accepted during underwriting/closing. 

Problem began after servicing transfer In XXXX, my loan servicing was transferred to Lakeview / XXXX XXXX. Immediately after transfer, the servicer began escrowing and charging property taxes that I do not owe, increasing my monthly mortgage payment by $ XXXX per month. This created a severe and immediate affordability issue for my household. 

I promptly notified the servicer and tried to resolve I flagged the error as soon as the improper escrow charges appeared. The servicer then required that I obtain additional confirmation documentation from the county tax collectors office, despite the exemption having been provided as part of the original loan. The tax collectors documentation process commonly takes 69 months. During that time, my servicer continued billing escrowed tax amounts that were not owed, resulting in an unaffordable payment and escalating amounts due. 

Servicer steered me into forbearance Due to the inflated monthly payment, the servicer advised me to enter forbearance, stating that it would help while the documentation was gathered and that the payment would later be corrected/right-sized. As a result, I followed their direction. 

Harm caused after forbearance Coming out of forbearance, the servicer has required outsized monthly payments in excess of {$6000.00} and is proposing loan modification terms that are substantially worse than my existing mortgage. Their modification terms include : Demanding repayment of the full amount owed including escrowed property tax charges I do not owe, plus interest and related fees ; and/or A modified loan term of 40 years at an interest rate approximately 1.6 % higher than my current interest rate. 

These options are not reasonable because the delinquency and accrued balance are tied to the servicers failure to properly recognize my lawful property tax exemption and to stop escrowing taxes I do not owe. 

What I want ( requested resolution ) I am requesting that Lakeview / XXXX XXXX : Immediately correct my escrow account to reflect that I do not owe property taxes and stop escrowing taxes going forward ; Remove/reverse all escrow charges for property taxes that were not owed, including any associated interest, fees, and penalties ; Correct my account history, including any negative credit reporting or delinquency caused by this error ; Provide a clear written explanation and full accounting of how escrow was calculated, what taxes were paid/attempted to be paid, and where funds were applied ; Provide a workable repayment/payment structure that reflects my correct tax status and does not require me to accept objectively worse terms ( e.g., 40-year term and higher interest rate ) to fix a servicer-caused escrow error.

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