Consumer complaint received 2026-04-21 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: TX

Complaint narrative:
I faced unemployment from XX/XX/XXXX and asked applied and got approved for forbearance which was extended to about XX/XX/XXXX. Once the forbearance was about to end I applied for a modification which I qualifies for because I had a stable job, occupied the property, and could afford new payments. During the call I verbally accepted and approved payments and sent an email with my signed documents to the email they provided. I was set to start my first payment for XX/XX/XXXX which I immediately set up a direct withdrawal from my bank for that payment. Thinking all was well and I have my home I didnt question a thing. I later on recieved a letter XXXX weeks that stated the plan was canceled because I denied the loan modification. I had a very hard time getting through but finally spoke with a worker that was able to help and escalate the issue and made me answer the same previous questions I had answered and allowed me to reapply for a loan modification again. I waited a week and recieved the new loan modification terms. When I sent over my documents to the same email they provided to upload documents I asked a question of if possible I could get the original loan modification terms I was offered the first time as it did not add any interest or over XXXX years to my loan as the new terms did.I said if that isnt an option I will accept the terms of this updated one because I want my home to be mine. It was a question but to them that was apparently me denying the loan terms. I have emails thankfully time stamped and I called immediately after I recieved another letter saying I was denied because I denied the loan modification. The second modification was set to start XX/XX/XXXX and again I set up bank withdraw before that date to not miss it. I called over XXXX times trying to fix this and they said I could not be helped or reapply but I NEVER truly denied any terms. I was very happy with the first ever term and gladly accept it! I keep getting the run around and this past XXXX XX/XX/XXXX I recieved a letter saying I cant qualify for help because I missed my trial payment and or didnt submit documents to them which XXXX true. I paid a first trial payment on XX/XX/XXXX way before my first trial payment plan for the updated one that starts in XXXX! I feel like theyre setting me up to fail and even if they mean I was missing a payment from the first ever trial plan I applied for I have seen and done research that says you have until the last day of the due month to make said trial payment which I have done. Please help me I just want to keep my home and feel like they dropped the ball on my case. I have been in constant communication with them. I have letters of proof and payment statements. I faced a hardship but can afford and want to stay in my home. Below I attached the documents I sent over with proper time. I also added the letter they sent with terms stating first payment wasnt even until XXXX. The first loan terms ever offered were accepted with a call which they said was okay to do as well. Instead of signing.

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