Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding the handling of my XXXX mortgage loan by XXXX / Lakeview Loan Servicing LLC XXXX Since early XXXX, I have made repeated good-faith efforts to resolve my mortgage delinquency through loss mitigation, loan modification review, and short sale efforts. Despite my extensive cooperation and multiple complete application submissions, the servicer has repeatedly failed to properly evaluate my updated financial circumstances, failed to provide meaningful communication, and appears to have mishandled both my loss mitigation applications and short sale efforts. Background : In XX/XX/XXXX, tenants moved into my rental property. Shortly thereafter, the tenants stopped paying rent and refused to vacate. I was forced to initiate eviction proceedings, which lasted until approximately XX/XX/XXXX. During this period, the property generated no income and sustained substantial damage, including extensive pet XXXX contamination and drywall damage. My insurance XXXX denied coverage for these losse, despite landlord coverages. I invested significant personal funds to repair the property and eventually secured new tenants in early XXXX. The property is now stabilized and income-producing. Throughout this process, I consistently attempted to work with XXXX to resolve the default. I submitted multiple loss mitigation applications, attempted a short sale with a prospective buyer, and repeatedly provided updated financial documentation reflecting the propertys restored income-producing status. Despite this : * My applications were repeatedly auto-denied without meaningful explanation. * I was informed the property needed to be occupied for modification review, after which I secured tenants and resubmitted. However, in order to secure tenants, I spent thousands of dollars to repair the home. * I was placed into active foreclosure status without being clearly informed and only discovered this after contacting the servicer myself. * The servicer repeatedly failed to communicate necessary short sale requirements, including appraisal requirements, resulting in failed processing. ( This is documented ). * My updated rental income and stabilized financial circumstances do not appear to have been properly considered during review. * The servicer failed to provide clear and substantive explanations for denials despite repeated requests. My attorney submitted a formal demand letter on XX/XX/XXXX outlining these concerns, including potential violations of RESPA XXXX XXXX XXXX and FHA servicing obligations. However, I did not receive an adequate substantive response. Importantly : * No foreclosure complaint has yet been filed. * I remain willing and able to pursue a sustainable loss mitigation resolution. * The property is occupied and stabilized. * I have continuously cooperated and provided requested documentation. I am requesting that the CFPB require XXXX XXXX Lakeview Loan Servicing to : XXXX. XXXX a full and good-faith review of my complete and updated loss mitigation application using my current financial circumstances. XXXX. Provide a detailed written explanation of all prior denials. XXXX Review whether proper FHA XXXX and Regulation X procedures were followed. XXXX. Suspend foreclosure referral activity while a complete application remains under review. XXXX. Assign a competent escalation or underwriting representative to properly evaluate my file. I believe the servicer has failed to meaningfully engage in the loss mitigation process despite my extensive efforts to cooperate and stabilize the property.

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