Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX for multiple violations of federal mortgage servicing rules, particularly regarding the handling of my successor in interest claim. Below is a timeline of events demonstrating XXXX 's repeated failures : XX/XX/2024 : Estate Administrator XXXX XXXX authorized XXXX to discuss the mortgage with my sister and me. 
XX/XX/2024 : XXXX sent an automated response promising to follow up but failed to do so. 
XX/XX/2024 : After numerous calls, XXXX acknowledged my " authorization '' and provided a loss mitigation form. 
XX/XX/2024 : XXXX stated I couldn't complete the loss mitigation form until recognized as a successor in interest. 
XX/XX/2024 : I submitted requested information ( Legal Claim, Valid ID, Full Name, Address, Email, Phone Number ). 
XX/XX/2024 : XXXX requested additional documentation, which I promptly provided ( Affidavit of Heirship, Death Certificate, Legal Claim, Probate Court Letters ). 
XX/XX/2024 : XXXX claimed I had no authorization to speak with them. 
JXXXX XXXX XXXX : XXXX again requested previously submitted documentation, which I provided again. 

These actions violate several federal regulations : Violation of Regulation X ( 12 C.F.R. 1024.36 ( d ) ( 2 ) ( i ) ( A ) ) : XXXX failed to respond within XXXX business days to my successor in interest request. 
Violation of Regulation X ( 12 C.F.R. 1024.40 ) : XXXX failed to maintain continuity of contact, providing inconsistent responses and repeatedly requesting the same information. 
Violation of Regulation X ( 12 C.F.R. 1024.41 ) : XXXX failed to properly evaluate for loss mitigation options by preventing me from completing the application due to their mishandling of my successor in interest status. 
Violation of the Consumer Financial Protection Act : XXXX 's actions constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under 12 U.S.C. 5536.

These violations have caused significant harm, including : Unnecessary delays in the loss mitigation process Emotional distress and frustration Potential harm to my credit score Risk of losing the property due to Loancare 's failure to properly process my claim I request that the CFPB investigate this matter and take appropriate action against XXXX, including : Requiring Loancare to immediately recognize my successor in interest status Mandating that XXXX properly evaluate my loss mitigation application Imposing appropriate penalties for their violations of federal regulations Requiring Loancare to implement proper training and procedures to prevent similar issues in the future I am prepared to provide any additional information or documentation necessary to support this complaint. Please contact me at XXXX or XXXX if you require any further details. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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