Consumer complaint received 2024-01-04 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: SC

Complaint narrative:
This all started with Lakeview did not pay my property taxes on time ( as required from my escrow ) and I received a foreclosure notice from the county. I contacted Lakeview and they finally paid the taxes late on XXXX. Due to their error- my monthly mortgage payment went from {$1400.00} ( important to note for later that my interest rate was only 2.99 % ) to {$1700.00}. Unable to pay that amount at the time- I entered into a 6 month forbearance agreement in XXXX of XXXX. 
I was approved for a loan modification XX/XX/XXXX after my forbearance ended that made my payment {$1300.00} and increased my interest rate from 2.99 % to 3.125 %. This was fine because it accounted for the 6 months of payments I did not make on forbearance. 
XXXX : Lakeview mailed the 3.125 % modification documents to sign and notarize dated XXXX however I could not because the documents still listed my ex 's name on them and also requested his signature. EVEN THOUGH THERE WAS A FOOTNOTE LISTING THE DATE I ASSUMED THE DEED XXXX. I reached out to Lakeview and they apologized and said no worries they'd express mail a corrected copy. 

XXXX : Received a modification package that was NOT corrected. Still listed my ex 's name. Instead it increased the interest rate to 4.125 %. Reached out to Lakeview again. They apologized again and accepted fault and said not to worry a correct package would be on the way immediately. I still went ahead and made the proposed loan modification mortgage payment that was due. 

I e-mailed and called weekly if not daily to get this resolved as it was affecting my life afraid of losing my home due to no my fault of my own. I was passed around to so many different departments and managers. Told I'd be called and wasn't. I received forclosure and deliquency notices the whole time. Absolutely frustrating and terrifying. 

XXXX I received a corrected modification package with solely my name. This time the rate increased to 5.125 %. I called about the rate increase and was told by several different agents that they couldn't do anything about it. Out of options and afraid of losing my home- I signed and it's the current mortgage rate I have. 

I went from a 2.99 % interest rate to a 5.25 % rate due to Lakeview 's carreless errors. They failed to pay my property taxes and I was penalized. They failed to produce corrected documents and I was penalized. My mortgage payment now is more than I can handle and it's been a huge burden. I didn't realize there was a way to report Lakeview/Loancare until I did stumbled upon a link online with a person who had gone through something similair and got results from CFPB. 

I have included all supporting documentation. Including- proof my property taxes were paid late by Lakeview , e-mails to Lakeview about incorrect modification packages, the modification packages with my exe 's name while also showing the deed was only in my name, etc etc.

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