Consumer complaint received 2026-01-21 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: FL

Complaint narrative:
I am submitting this complaint regarding serious and ongoing mortgage servicing errors by XXXX XXXX XXXX, which originated after a hurricane-related forbearance and were compounded by repeated misrepresentations, failure to correct acknowledged errors, improper delinquency notices, and resulting credit harm. 

I entered a disaster-related forbearance in Florida following XXXX, which was in effect from XXXX through XXXX. After the forbearance, my monthly payment increased by {$52.00}. Before the first post-forbearance payment, I contacted XXXX repeatedly to confirm my payment obligations. 

Between XXXX and XXXX, I called XXXX numerous times and spoke with multiple representatives. On each occasion, I was advised that no full mortgage payment was due until XX/XX/XXXX, and that the only amount due prior to that time was the {$52.00} payment increase. I questioned this guidance repeatedly due to concern about accuracy and relied on the consistent information provided by XXXX representatives. 

Specific contacts include : XX/XX/XXXX Advised only the payment difference was due. 

XX/XX/XXXX Payment difference of {$52.00} scheduled to post XX/XX/XXXX ( Confirmation # XXXX ). 

XX/XX/XXXX Same guidance confirmed. 

XX/XX/XXXX Same guidance confirmed. 

XX/XX/XXXX Spoke with XXXX and Georgia ; issue escalated to XXXX ( XXXX ), who acknowledged the error, advised late charges would be waived, and stated the issue would be investigated. No follow-up occurred. 

XX/XX/XXXX Spoke with XXXX; instructed to hold payment while the error was reviewed. No response was provided. 

XX/XX/XXXX Spoke with XXXX and XXXX ; error remained unresolved. 

XX/XX/XXXX Spoke with XXXX; escalated to XXXX and XXXX, who acknowledged the servicing error. 

Despite these repeated confirmations and internal acknowledgements, XXXX assessed late fees, marked my account delinquent, and reported the delinquency to credit bureaus. This incorrect reporting caused material harm, including denial of loans while assisting my daughter with university-related financing. 

Rather than correcting the error, XXXX offered unaffordable repayment plans exceeding {$750.00} every XXXX weeks, based entirely on delinquency created by their own misstatements. 

As a result of these unresolved servicing errors, I was forced into a loss mitigation review and entered a XXXX XXXX XXXX beginning in XXXX. I signed and agreed to the XXXX XXXX XXXX and have made all required trial payments timely and in full. Despite my compliance, XXXX continues to send delinquency and collection notices referencing pre-trial periods, which do not reflect my active loss mitigation status. 

XXXX actions demonstrate failures in accurate information provision, error resolution, loss mitigation handling, and credit reporting. I am requesting CFPB assistance to ensure appropriate corrective action. 

I am requesting the following resolution : Formal correction of all servicing errors related to post-forbearance payment instructions. 

Removal and waiver of all late fees and charges resulting from servicer misrepresentation. 

Correction of all negative credit reporting caused by these errors. 

Written confirmation that my XXXX XXXX XXXX is active, current, and in good standing. 

Written confirmation that foreclosure activity is suspended during the XXXX XXXX XXXX and subsequent modification review period. 

XXXX that no further adverse action will be taken based on errors originating from XXXX misinformation. 

I have acted in good faith at all times and relied on repeated representations made by XXXX. The harm I experienced was solely the result of servicing failures. 

I appreciate the CFPBs assistance in resolving this matter.

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