Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Formal Complaint : Lakeview Loan Servicing d/b/a XXXX XXXX Negligent Escrow Handling and Breach of Fiduciary Duty I am a XXXX veteran living on a fixed income, and I am submitting this complaint regarding the mishandling of my mortgage escrow account by Lakeview Loan Servicing d/b/a XXXX XXXX ( XXXX XXXX ) . 
On XX/XX/year>, I called XXXX XXXX to make my regular monthly mortgage payment of {$2100.00}. While using the automated system, I was shocked to hear that my new payment amount had been increased to {$3500.00}. Recognizing that this had to be an error, I waited to speak with a representative. 
The representative informed me that XXXX XXXX had received an approval notice for a PACE loan and that, based on that approval, my property taxes were increased, creating an escrow shortage exceeding {$9000.00}. I immediately explained that while I had indeed been approved for a PACE loan through XXXX XXXX XXXX, I had canceled the loan within three days of approval. 
The representative stated that XXXX XXXX received documentation from the XXXX XXXX Tax Collectors Office reflecting the PACE loan, which led them to adjust my property tax assessment to {$15000.00}. To correct this, I contacted XXXX XXXX and requested that they send XXXX XXXX confirmation of the loans cancellation. XXXX XXXX provided a written cancellation, which I promptly forwarded to XXXX XXXX Mortgage Research Department. 
I also contacted the XXXX XXXX XXXX Tax Office , who confirmed that they never received any documentation from XXXX XXXX regarding the PACE loan and therefore did not raise my property taxes. They sent me a TRIM Notice confirming that my correct property tax assessment remains {$6800.00}, not {$15000.00}. 
Despite this documentation, XXXX XXXX continues to claim that I owe a higher payment. Because I have refused to pay the incorrect amount of {$3500.00}, XXXX XXXX has refused to apply my regular monthly payments of {$2100.00}, resulting in my mortgage being placed into default. 
I have sent multiple emails to XXXX XXXX regarding this matter and included XXXX XXXX XXXX from the Research Department on all correspondence. The only response I have received was a three-page Escrow Analysis showing a minor adjustment, reducing the monthly payment from {$3500.00} to {$3400.00}. 
As of XX/XX/year>, XXXX XXXX online system correctly reflects the updated property tax amount of {$6800.00}, yet they have simply moved the {$15000.00} figure into my previous tax assessment and continue to charge my escrow account, falsely showing a shortage of over {$8000.00}. 
Each day that this issue remains unresolved, I fall further into default because XXXX XXXX refuses to apply my valid payments. What is most troubling is that this entire situation stems from a loan that was canceled, and at no point did XXXX XXXX verify the accuracy of the information with the county property tax office or with me prior to making these changes.

Due to the severe financial and emotional hardship this has caused, I have retained legal counsel to pursue damages against Lakeview Loan Servicing and XXXX XXXX for negligence and breach of fiduciary duty in the handling of my mortgage account.

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