Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
I am writing to file a formal complaint regarding the assumption process for my XXXX-backed mortgage. I believe my mortgage servicer is acting in bad faith, engaging in deceptive practices, and violating my rights as a consumer. i initially reached out to my XXXX party service provider in XXXX and had to reach out XXXX more times before someone form my actual loan company finally emailed me about the assumption on XX/XX/XXXX. since then it has been nothing but smoke and mirrors and avoidance of all questions or concerns i have with short cold answers. 

Background : I purchased my home in XX/XX/XXXX with my ex-girlfriend ( we were never married ). 

She moved out in XX/XX/XXXX and has had no financial or physical involvement with the home since then. 

Since XX/XX/XXXX, I have made XXXXXXXX XXXX of the mortgage payments, maintained the home, and covered all related expenses. 

My ex wants her name removed from the loan and is willing to cooperate fully with the assumption. 

Complaint Details : XXXX. Excessive and Improper Fees I applied for a loan assumption, not a refinance. 

The mortgage company is demanding : Nearly {$9000.00} to pay off the FHA assistance loan, and Approximately {$15000.00} in closing costs. 

I know of XXXX individuals ( XXXX through my mother, XXXX through my exs father ) who assumed FHA loans without paying any of these costs. 

The company is treating this like a refinance, even though I am simply requesting an assumption of an existing loan I already pay on. 

2. Lack of Transparency and Refusal to Provide Documentation I requested a detailed, itemized breakdown of all fees, including : Where each cost goes ( e.g., lender, state, federal, escrow ), What law, regulation, or policy justifies each charge. 

XXXX employees have ignored these repeated requests, violating my right to transparency. 

3. False Income Reporting on Application During the phone application, I told the representative : My base pay is consistent, and With overtime, I usually make {$4000.00} {$4100.00} per month total. 

The application listed me as making {$4000.00} in overtime alone, which is false. 

When I pointed this out, the rep said to sign now and well change it later. 

This would have required me to sign knowingly false information, which I refused to do. I believe this is not only unethical but potentially illegal. 

Why I Am Filing : I feel trapped and taken advantage of by this company. Ive worked hard to maintain this home alone for XXXX years. All Im trying to do is remove my ex from the loan, take full responsibility, and finally move forward. But this company is making that financially impossible and appears to be using deceptive tactics and stonewalling to discourage or exploit me. 

I am requesting : An investigation into this companys assumption policies and practices ; Assistance in enforcing my right to a fair, affordable loan assumption ; A requirement that they provide a full breakdown of fees and legal justification ; A review of the misrepresentation of income on the application and their pressure to sign false documents.

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