Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Nature of Complaint Improper escrow administration, wrongful assessment of insurance and tax charges, inaccurate delinquency and late fee assessment, failure to correct account errors, failure to correct and post payments made to principal and interest, negative credit reporting inaccuracies, and prolonged failure to resolve despite repeated escalations between XX/XX/XXXX through XX/XX/XXXX. 
________________________________________ Detailed Statement of Facts I am submitting this complaint to formally report XXXX XXXX XXXX and Lakeview Loan Servicing , LLC for ongoing mortgage servicing errors that began after a service transfer notice received in XX/XX/XXXX ( see attached ). The issue remains unresolved despite extensive efforts to resolve the matter directly with them. 

In XXXX, the mortgage company established an escrow account on my loan and failed to correct the payments to reflect principal and interest and close the escrow on a timely manner even though : My homeowners insurance policy was active with no lapse Property taxes had been paid Despite this, the mortgage company assessed insurance premiums, escrow payments, and additional charges that were not owed. As a direct result of not properly handling the escrow account, my account was incorrectly rendered delinquent, and late fees were automatically assessed. These late fees and improper posting of payments stem solely from XXXXLakeview servicing errors and should have been corrected once the escrow account was closed. 

After escalating numerous complaints to the Resolution Department, the mortgage company later closed the escrow account, but it failed to remove the associated late charges and apply my payments to principal and interest, failing to fully correct the account. Below please find a table with a summary of the payments and the date I made them. I have also attached the payment history from XXXXLakeview which reflect clearly how my payments have been incorrectly posted ( see attached ). 

________________________________________ Failure to Resolve and Servicing Misconduct : Since XX/XX/XXXX, I have repeatedly contacted XXXX XXXX Lakeview and escalated this matter through their customer service, escalation and resolution teams. I have been repeatedly advised that someone would call me back, which for 6 months did not occur. 

Recently, on XX/XX/XXXX I spoke with XXXX from XXXX - Lakeview Resolution Department, who promised a follow-up call within XXXX business days. That call never occurred. I attempted again on XX/XX/XXXX and again I was unsuccessful. This pattern has persisted. 
XXXX Lakeview repeated failure to resolve a known servicing error reflects systemic deficiencies in error resolution, communication, and compliance with mortgage servicing obligations. 

Consumer Harm : XXXX - Lakeview actions have caused : As of XX/XX/XXXX, improper delinquency status on this account Improper posting of payments to principal and interest Actual adverse credit reporting Significant time ( XXXX consecutive months ) expenditure and emotional distress attempting to connect with an account supervisor that can correct this error. 

Regulatory and Compliance Concerns : XXXX Lakeview conduct raises serious concerns regarding compliance with : RESPA ( 12 CFR 1024 ) governing escrow administration and error resolution CFPB mortgage servicing regulations Fair Credit Reporting Act ( FCRA ) requirements for accurate reporting Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards Florida mortgage servicing and consumer protection laws, including oversight by the Florida Office of Financial Regulation ________________________________________ Requested Regulatory Assistance and Relief : I respectfully request that the CFPB and the Florida Office of Financial Regulation : 1. Investigate XXXX, XXXX  and Lakeview Loan Servicing , LLC servicing practices in connection with this loan XXXX. Require XXXX XXXXLakeview to remove all improperly assessed escrow charges, late fees and correct my account by posting my payments to principal and interest for the month of XXXX, XXXX and XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. 
XXXX. Require XXXX  -Lakeview to correct or delete all negative credit reporting related to this matter XXXX. Require XXXX XXXXLakeview XXXX provide written confirmation that the account is current and accurate and in good standing after correcting the month of XXXX and XX/XX/XXXX. Ensure XXXXLakeview implements corrective measures to prevent similar consumer harm XXXX. Take any additional regulatory or enforcement action deemed appropriate to prevent further consumer harm Conclusion : This issue has persisted for an unreasonable length of time despite repeated efforts to resolve it directly with XXXX Lakeview causing personal damage with my credit and emotional distress. Regulatory intervention is necessary to ensure compliance, consumer protection, and proper remediation.

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