Consumer complaint received 2026-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Date : XX/XX/XXXX Subject : Complaint for Violations of the Fair Debt Collection Practices Act ( FDCPA ) Failure to Respond to Debt Validation Letter / Mortgage Loan # XXXX I. Introduction This complaint is submitted on behalf of XXXX XXXX XXXX XXXX XXXX XXXX Lakeview Loan Servicing , LLC for serious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq. XXXX XXXX XXXX has failed to comply with federal law by refusing to respond to a valid Debt Validation Letter served on XX/XX/XXXX, concerning Mortgage Loan # XXXX. XXXX. Factual Background XXXX. On XX/XX/XXXX, Complainant mailed a formal Debt Validation Letter to XXXX XXXX XXXX Lakeview Loan Servicing , LLC pursuant to 15 U.S.C . 1692g, requesting proof of the alleged debt, chain of title, and evidence of legal consideration supporting the purported mortgage obligation. XXXX. XXXX XXXX has failed to respond within the statutory period and has not provided any validation of the alleged debt. XXXX. Despite this failure, XXXX XXXX XXXX Lakeview Loan Servicing , LLC has continued to engage in collection activities and maintain claims of enforceability on the alleged loan. XXXX. By law, all collection activity must cease until proper validation is provided. See Chaudhry v. Gallerizzo, 174 F.3d 394, 406 ( 4th Cir. 1999 ) ( holding that debt collectors must verify and provide sufficient documentation upon request ). XXXX. Legal Violations Violation of FDCPA 1692g ( b ) : XXXX XXXX XXXX Lakeview Loan Servicing , LLC failure to provide verification of the debt within 30 days after receipt of the Debt Validation Letter renders all further collection efforts unlawful. Unenforceability of the Alleged Debt : Until validation is provided, the debt is not legally collectible or enforceable. See XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( holding that a collector must cease collection until verification is provided ). Breach of Contract : XXXX XXXX XXXX Lakeview Loan Servicing , LLC XXXX to provide proof of consideration and loan contract validity constitutes a material breach. Without proof of lawful funding and assignment, the loan contract is void and unenforceable. See XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). IV. XXXX Requested XXXX respectfully requests that the CFPB : XXXX. XXXX XXXX XXXX XXXX Lakeview Loan Servicing , LLC XXXX of the FDCPA. XXXX. XXXX XXXX XXXX XXXX Lakeview Loan Servicing , LLC XXXX cease and desist all collection activity until proper validation is provided. XXXX. Declare that Mortgage XXXX # XXXX is not enforceable or collectible at this time. XXXX. Impose appropriate penalties and corrective measures on XXXX XXXX XXXX Lakeview Loan Servicing , LLC XXXX XXXX. XXXX XXXX XXXX XXXX Lakeview Loan Servicing , LLC XXXX reimburse any costs or damages incurred due to unlawful collection attempts. XXXX XXXX XXXX XXXX XXXX Lakeview Loan Servicing , LLC has acted in violation of the FDCPA and breached its contractual obligations by failing to respond to the Debt Validation Letter dated XX/XX/XXXX. Until proper validation is provided, the alleged debt is invalid and unenforceable. Respectfully submitted, _____________________ XXXX XXXX XXXX SWEET XXXX CT. XXXX XXXX, CA 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