Consumer complaint received 2023-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
This complaint is on XXXX/lakeview lending , I started my mortgage with XXXX XXXX, I had no issues with XXXX, they were responsive, helpful and very courteous. Then I was transferred to XXXX/lakeview in the middle of the covid pandemic. As a first time home buyer, I had a lot of questions and was not able to speak with anyone at XXXX. In response to emails, I would receive canned email responses that had nothing to do with my questions. I am currently in default, so I reached out first to AZHAF and was offered assistance. I did what I was supposed to do and contacted XXXX to let them know I would be working with AZHAF, to prevent foreclosure. I was clear when I spoke with XXXX that I had chose AZHAF instead of the modification they offered. Shortly after I received documents for a modification I did not agree to and 10 days to to complete the modification paperwork. I did not authorize this modification, nor did I sign or agree to this modification, but I was denied the AZ HAF assistance, because of this modification that XXXX put in place. I knew something was wrong when I received these documents after explaining to XXXX that I would be going through with the AZHAF program. I am going to lose my home due to this unwelcome modification, that does not benefit my needs or best interest. The only modification in my mortgage modification was the decrease in payment by {$200.00}. The AZHAF program would have paid for some if not all my back payments and get me up to date enough for me renegotiate my finance options and reduce my payments significantly. I feel as if XXXX/lakeview did this intentionally and without consideration to the changes my household has been through do to the Covid Pandemic. I do not see or understand how this company can still be in practice with their underhanded methods. I am at a complete loss on why they would claim a successful modification that i did agree to, especially when the unsigned documents are still on my desk. To add to that, I was given 10 days to sign and if the documents were not returned in those ten days full payment for the amount owed during my forbearance period would also be due in full. I have no idea what I am going to do. The loss of my home will displace not only myself, but three additional people. One is a close friend who is in his late 60 's survived his XXXX XXXX XXXX XXXX, and his currently waiting on a XXXX to control XXXX XXXX. How am I going to tell my friend he is about to be homeless because a mortgage company wants to be underhanded and deceptive. I purchased this property with my partner on XX/XX/2019 when COVED hit I was the first to lose my job, and my coborrower lost his about 2 weeks later. He couldn't handle the pressure and left me to deal with this situation myself taking all the furniture in the house i was still paying for ( furniture ) and took all the money from our joint account leaving that account overdrawn. I have overcome several challenges during the last few years, I have sacrificed a lot to retain, and make upgrades to the house and property here. I have done all upgrades by myself. My blood sweat and tears are literally in every inch of my property, just to have it yanked from me by a mortgage company who claims to prevent foreclosure and homelessness.

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