Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
In XXXX I applied for the homestead act in Texas. The property tax account was split into two parcels for both owners. Account 1 was paid while mine, account 2, was not. XXXX county sent me a bill with the missed tax payment in XX/XX/XXXX. I called XXXX to make them aware of the issue and was told to email over the notice received from the county. After that I received no call back so I called and was informed it was " under review ''. I kept calling once a month to check the status and was informed that it was still " under review ''. In the meantime I received monthly notices from the county indicating added penalty and interest to the original amount of {$3000.00} to what it currently is now {$4300.00}. On XXXX XXXX I received a notice from the XXXX County representative law office XXXX XXXX XXXX and XXXX, XXXX stating " Notice of Delinquent Taxes ''. The letter went further to say " suits will soon be filed against persons who have not paid their delinquent taxes. Once suit has been filed a person must then pay the substantial additional expense of court costs in addition to the taxes, penalty, and interest ''. I proceeded to call the number on the notice and was informed that I would need to pay the taxes by XXXX XXXX or it would proceed to litigation. After receiving this information I called XXXX on XX/XX/XXXX to inform them of the notice and short time frame we had to make the payment. I was informed that it " would be placed into escalation and a check would be disbursed Monday or Tuesday of next week ''. During this call I once again had to relay the parcel numbers indicating there was no record within the account. On XXXX XXXX I called to ensure the completed status of the payment to the county. On this call it was as if there was no record of me calling the week previous. I had to relay the parcel numbers once again and was informed that it would be " put into escalation ''. After this call I called the county attorney and informed them of the further delay. On this call XXXX informed me that if they did not receive a payment postmarked by XX/XX/XXXX that it would proceed to suit and litigation fees would be incurred. XXXX gave me the option of setting up a payment plan that would be {$450.00} a month over the period of a year. At this point I feel I have no other option than to do this payment plan as XXXX has been overwhelmingly non-cooperative in this situation and in fact has lulled me into a complacent state as I felt safe with it being " under review ''. I really do not have the money for this payment plan and have more than enough money in escrow to resolve the original amount. By signing up for this payment plan I also believe that I now incur all of the penalties and interests from this issue not being resolved in a timely manner. The issue has been placed into escalation finally but it has put me into a great financial bind that I was not prepared for.

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