Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
Subject : Improper Servicing, Inaccurate Billing, Failure to Respond, and Failure to Provide Required Loss Mitigation Review To Whom It May Concern : I am submitting this complaint against XXXX XXXX XXXX, the servicer of my mortgage loan, due to ongoing servicing errors, inaccurate delinquency reporting, improper application of payments, failure to provide affordable loss mitigation options, and a lack of required disclosures and responses. 

Since XX/XX/XXXX, I have been attempting in good faith to bring my mortgage current and to work with XXXX regarding payment affordability. Instead of receiving meaningful assistance, I have encountered significant servicing issues that appear to violate federal servicing standards and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Part XXXX. Below is a summary of the relevant facts. 

Summary of Key Facts XXXX. Request for Modification ( XX/XX/XXXX ) : I contacted XXXX to request a modification to bring my mortgage current and obtain a lower, affordable monthly payment due to financial hardship. 

XXXX. Unaffordable Trial Modification ( XX/XX/XXXX ) : After XXXX months, XXXX issued a Trial Modification that significantly increased my monthly payment instead of lowering it. I was unable to accept a payment increase, as it did not address my hardship. 

XXXX. Escrow/Tax Issues Not Properly Adjusted : My property tax assessment has since decreased due to a XXXX exemption. This should have substantially lowered my escrow payment. Instead, XXXX applied only a minimal reduction of approximately XXXX XXXXXXXX a prior assessment increase had raised my payment by about {$200.00}. 

XXXX. Improper Delinquency Reporting : XXXX has repeatedly stated that I am XXXX months behind when, as of XX/XX/XXXX, I was XXXX month behind. A payment of {$1500.00} was also made on that date. 

XXXX. Failure to Respond : XXXX has never responded to my prior written request for a complete breakdown of how my current monthly payment was calculated. 

XXXX. Continued Default Notices Despite Payments : XXXX continues to issue statements indicating that I am in default, even though I have made payments intended to bring the account current. 

XXXX. Incorrect Past-Due Statements Despite Being Paid to Date : XXXX has been paid to date to bring my mortgage current, yet I continue to receive past-due and default notices that do not match my payment history. 

XXXX. Accumulation of Unnecessary Late Fees : Due to XXXX failure to credit payments correctly and its refusal to adjust my payment schedule, I am accumulating late fees that are unaffordable and unjustified. 

XXXX. Request for Due Date Change Ignored : I have requested that my payment due date be changed to the XXXX of each month to align with the timing of my income, but XXXX has not responded. 

XXXX. Request for XXXX XXXX XXXX ( XXXX XXXX ) : To make my payments affordable, I requested consideration for a XXXX repayment term. XXXX has not evaluated or responded to this request. 

XXXX. XXXX XXXX : My hardship is the result of the loss of a loved one, a critical illness, and unemployment. I have continuously communicated with XXXX and acted in good faith to resolve the matter. 

Relevant Legal Concerns Based on XXXX actions and omissions, I believe they have failed to meet obligations under : - CFPB Mortgage Servicing Rules ( Regulation X & Z ) - RESPA ( 12 U.S.C. 2605 ) - XXXX XXXX  Part XXXX : XXXX ( Escrow Analysis Requirements ) XXXX ( Crediting of Payments ) XXXX ( Statement of Account / Payment History Requirements ) XXXX ( Loss Mitigation & Assigned Point of Contact ) XXXX ( Duty of Fair Dealing ; Prohibition Against Unsafe, Unsound, or Unfair Practices )

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