Consumer complaint received 2026-06-26 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX has announced the Partial Claim is NOW OPEN and XXXX XXXX XXXX XXXX XXXX Lakeview Mortgage will NOT process me for the Partial Claim as discussed today XXXX pm with XXXX XXXX XXXX XXXX Representative stating the OPTION FOR PARTIAL CLAIM FOR ME IS NOT AN OPTION, stating the Lawyers and underwriter says so, but NOT a reason why. Here is How we got to this situation I have been laid off and Originally tried to get Partial Claim but could not because it was closed sometime in XXXX. The Loan has been passed XXXX times starting with XXXX XXXX, to XXXX. XXXX now to XXXX XXXX XXXX XXXX XXXX With XXXX XXXX I began a process for Loan Modification as I became employed Top of XXXX XX/XX/XXXX. I sent request and spoke with Lakeview / XXXX XXXX, XXXX VA and the Lawyers and I sent Job verification to get loan modification. XX/XX/XXXX I began the loan modification procedure. I informed XXXX XXXX that I desired to have the debt moved to the end, I understood they wanted to make some money from the loan but not move my 2.95 % to 6.8 % and push my monthly payment up from {$1700.00} to {$2900.00} dollars. " We unerstand was their only response on the call. Originally a person named XXXX XXXX accessed my account and called XXXX XXXX without my knowledge and initiated a loan modification XX/XX/XXXX time period and then called me AFTER the fact stating he would help by initiating loan modification. He confessed he knew someone from this agency or he worked for them. When I informed XXXX XXXX of the breach, they accused me of giving my portal away. This was NOT the case. The next month, my file is being pushed to Lakeview XXXX XXXX XXXX XXXX XXXX. I received a letter from Lakeview XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX they would be my new service Provider XX/XX/XXXX I initiated Loan Modification ( partial Claim Not Open ) XX/XX/XXXX with Lakeview XXXX XXXX. I received NO NOTIFICATION FROM XXXX XXXX AT NO TIME OF TRANSFER. Copy in photo of Process XXXX of XXXX XX/XX/XXXX I contact Lakeview / XXXX XXXX on XX/XX/XXXX, They are NO LONGER XXXX XXXX, but Champion Mortgage but the number is the same. They are able to pull up my account and tell me they can tell me nothing as my files were transferred to XXXX & XXXX XXXX. I contact XXXX XXXX XXXX XXXX. I contact XXXX XXXX XXXX XXXX and the automated machine could take a payment for me, BUT the operator could tell me nothing of the loan modification or nothing of my account despite it is in the Lakeview system. XXXX suggested they would be able to give me information Friday ( tomorrow XX/XX/XXXX ) or Monday XX/XX/XXXX. Ok I choose to call back on XX/XX/XXXX XX/XX/XXXX I contact Lakeview XXXX XXXX XXXX XXXX Bank and they are once again UNABLE to tell anything of my account and loan modification and that they had XXXX to 60 days days. I reminded them of their leter of XX/XX/XXXX and I was waiting on loan modification ( partial claim not open ). XXXX could give me nothing. I contacted XXXX XXXX to get reason for delay. Operator stated File was sent and they would have it by the XXXX of XX/XX/XXXX Between XX/XX/XXXX and XX/XX/XXXX - I made numerous calls to Lakeview XXXX XXXX XXXX XXXX for understanding of Loan modification. Various operators gave me various reasons for NOT being able to verify the loan modification, but I could make a payment. They consistently asked me if I live in the House, read consumer report, and tell me I don't have anything to worry about till XX/XX/XXXX. Despite me telling them I want to turn the situation around and know details of the loan modification, NO operator could give me the information. MY VA rep sent numerous e-mails requesting details of the loan modification in addition to my calls. XX/XX/XXXX ( XXXX Days for application of loan Modification started ) - The XXXX XXXX XXXX XXXX could not answer or give me details of the loan modification. Continued to tell me I had no worries till XX/XX/XXXX. Continued to be in Debt collection mode with me upon calls while saying they are here to help. I heard I was NOT approved for loan modification to there was no information on loan modification and I would have to wait for next week. I contact VA and they sent a correspondence asking for details on loan modification. XX/XX/XXXX - XXXX - VA XXXX XXXX tells me Loan modification return to XXXX XXXX XXXX XXXX Wednesday XX/XX/XXXX at XXXX I spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX me the Loan modification was NOT in their system yet and it would be more days I contact the VA XXXX and state the loan modification was not in XXXX & XXXX Possession. VA rep send correspondence requesting update. VA XXXX XXXX give XXXX XXXX XXXX XXXX time to receive modification. MONDAY XX/XX/XXXX I contact XXXX XXXX XXXX XXXX early and the rep states there is Nothing on loan modification in system. I contact VA and share that the loan modification is NOT in the XXXX XXXX XXXX XXXX system. VA XXXX states that's good because PARTIAL CLAIMS ARE OPEN. I scream in XXXX as I missed partial claim when I started this slide. VA XXXX tells me to contact the XXXX XXXX XXXX XXXX and have loan modification ROLL in a Partial claim. VA XXXX explained ( NOT XXXX & XXXX XXXX ) that I am allowed to keep my 2.95 % and XXXX monthly mortgage in partial Claim. VA XXXX explained the Loan modification was going to be moved up to 7 %, XXXX years and XXXX XXXX monthly mortgage and I knew I could afford partial claim, the loan modification not under the terms I spoke with XXXX XXXX keeps struggling to pay. I contacted XXXX XXXX XXXX XXXX to request the Partial Claim and have loan modification " waterfall '' into the Partial claim.The NEW OPERATOR states " congratulations '' your loan modification is here as I requested the Partial Claim. I did NOT review the loan modification with XXXX XXXX XXXX XXXX, but stated I wanted to apply for Partial Claim as shared by the VA just OPENED the week of XX/XX/XXXX - XXXX. XXXX XXXX XXXX XXXX NEVER alerted me on this week that the partial claim was open and available to me AND they never acknowledge the loan modification until I stated I wanted the Partial Claim. The new operator stated he would send an " INQUIRY '' to the Partial Claim Monday XX/XX/XXXX. I stated please do and that I desired NOT to lose the Partial claim and get it to the VA. I contact the VA XXXX. The VA XXXX sent an email to XXXX & XXXX XXXX requesting they " Cascade, Waterfall '' the Loan modification into the Partial Claim or send it to the VA to approve it. I contacted XXXX XXXX XXXX XXXX Today to XX/XX/XXXX to get update on PArtial claim application request. XXXX ' ( loss mitigation ) stated his NOTES stated I was NOT eligible for Partial Claim, but NOT WHY? XXXX ' attempted to state I was was argumentative sharing the facts of the Partial claim being OPEN and I put in request Monday XX/XX/XXXX. XXXX from XXXX XXXX XXXX XXXX appeared to want me to approve the loan modification and review with him. XXXX stated he had loan modification and it lowered his payments as I shared that is NOT the case with mine and partial claim was the BEST THE VA COULD APPROVE. I shared the VA sent e-mail requesting the Partial Claim, XXXX did not acknowledge. XXXX became upset as I wanted him to make XXXX definitive response on my application request for Partial Claim. XXXX then XXXX XXXX XXXX XXXX XXXX would or could give a partial claim and described it completed outside the scope of what the VA shared. I told XXXX I was aware Partial Claim leaves my NOTE the same and created XXXX lien on mortgage, which is perfect. I told XXXX I would contact the VA in morning XX/XX/XXXX. From XX/XX/XXXX to this day, XXXX XXXX XXXX XXXX has NOT been faithful in the execution of my file as you read to NOT acknowledging the file for several weeks, then another couple weeks for loan modification. Then when I get the Partial Claims are OPEN and request partial Claims, ONLY XXXX XXXX XXXX XXXX XXXX acknowledged the loan modification on XX/XX/XXXX. This has been a deceptive practice and attempts of intimidating me. I was told to report to inspect general and now write the XXXX of XXXX.

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