LAKEVIEW LOAN SERVICING, LLC CFPB Complaints
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| Date Received | Timely Response | Product | Issue | State / Zip | Submitted Via | Tags |
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| 08/13/2020 | Yes |
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Web | Servicemember |
| XX/XX/XXXX We originally got our loan through XXXX XXXX. In XXXX of XXXX we fell behind. We tried to apply for loss mitigation and other efforts to no avail. Eventually, we filed a bankruptcy on XX/XX/XXXX. It was confirmed on XX/XX/XXXX. We made all of our direct payments and trustee payments on time. We started sending payments in XX/XX/XXXX. That payment was rejected by as well as XXXX, XXXX and XX/XX/XXXX by XXXX XXXX. They did not accept the first payment until XXXX of XXXX. XX/XX/XXXX XXXX transferred our mortgage to XXXX XXXX in XXXX of XXXX. When our loan was transferred all of the trustee payments had already been made by and we were current. XX/XX/XXXX When the Notice of Final Cure was sent in XXXX, XXXX, XXXX said we were behind {$5100.00} ( see attached ) and had fallen behind in XXXX of XXXX. ( with {$470.00} in suspense ) because of partial payments. Upon receiving the notice, on XX/XX/XXXX, I emailed my bankruptcy attorney to ask about the notice. She replied to me that the trustee had fulfilled his part of the bankruptcy. The arrears were paid and the issue was between XXXX and us ( my husband and I ). Up to this point, none of my statements had any late fees or balances. I called XXXX and spoke with a representative. They told me we were up-to-date. They had received a payment and it was posting and the one we had just sent would make us current. There were no past due balances or late fees. We continued to pay on time and received statements to the effect that we were not late or behind or owing any fees. XX/XX/XXXX Then our bankruptcy was discharged in XXXX of XXXX. It was a mandatory 60 month plan. All of the payments were made. I checked my credit and my credit report said I was late for the XXXX payment, so I filed a dispute with the credit reporting agencies. XX/XX/XXXX Payment sent as usual ( Later Returned ) XX/XX/XXXX XXXX immediately started rejecting our payments and sent us a statement that included an acceleration notice with the extra {$5900.00} balance attached to it. RESPA VIOLATION : Asserted Errors Related to Non-Bona Fide Fees 54. If the borrower asserted that the institution charged a fee without a reasonable basis to do so, determine whether the institution in fact had a reasonable basis to impose the fee ( 12 CFR 1024.35 ( b ) ( 5 ) ). An institution lacks a reasonable basis to impose fees that are not CFPB Examination Procedures RESPA CFPB XX/XX/XXXX Procedures XXXX bona fide, such as ( i ) a late fee So once again, I emailed my bankruptcy attorney and asked if she could help solve the issue. She did, in fact, send their bankruptcy attorney - XXXX XXXX, an email asking if she could look into why they were rejecting my payments and asked again about the balance noted on Notice of Final Cure and if she could explain the situation. Their attorney responded that we were two months behind. We had a {$540.00} balance in suspense and that she would obtain a ledger to look into the matter. She said it stemmed back to some partial payments made in XXXX. I also called and was emailed a transaction history report that I got the SAME DAY directly from XXXX. They were only able to print the history from XX/XX/XXXX through XX/XX/XXXX due to Covid and the fact that they were working remotely. XX/XX/XXXX Payment sent as usual ( Later Returned ) XX/XX/XXXX Payment sent as usual ( Later Returned ) XX/XX/XXXX On XX/XX/XXXX I inquired if my attorney had heard anything or if they had sent a copy of the transaction history/LEDGER. XX/XX/XXXX My attorney responded that Ms. XXXX had not received a response but was following up. We resubmitted the payment for XXXX. RESPA VIOLATION : For all other information requests, responding within 30 days ( excluding legal public holidays, Saturdays, and Sundays ) unless, prior to the expiration of that 30-day period, the institution extended the time for responding by an additional 15 days ( excluding legal public holidays, Saturdays, and Sundays ) by notifying the borrower in writing of the extension and the reasons for it ( 12 CFR 1024.36 ( d ) ) ; XX/XX/XXXX I sent another follow-up email to my attorney on XX/XX/XXXX. I let her know that they sent XXXX payment back - a second time. XX/XX/XXXX Payment sent as usual ( Later Returned ) XX/XX/XXXX On XX/XX/XXXX my attorney sent me the following : Ms. XXXX responded on XX/XX/XXXX that she hoped to have a ledger by the next day. She shared the same info she had already sent over concerning partial payments that were made in XXXX. She also said, After filing the Notice of Final Cure, the payments that were applied were XX/XX/XXXX and XX/XX/XXXX. With the loan showing due contractually for XX/XX/XXXX with {$540.00} in suspense. XX/XX/XXXX I finally received the ledger that I requested in writing on XX/XX/XXXX. ( A month and a half later ). My attorney tried to make sense of it, but the dates that were applied to the payments did not match the statement dates or amounts that we had XXXXSee First ledger from XXXX XXXX PAYMENT LEDGER [ XXXX ] *** RESPA VIOLATION : Determine whether the institution has policies and procedures that are reasonably designed to ensure that it has access to and provides timely and accurate information ( 12 CFR 1024.38 ( a ) and ( b ) ( 1 ) ). This includes policies and procedures that are reasonably designed to ensure the following : Providing accurate and timely disclosures to the borrower ; Investigating, responding to, and making corrections in response to borrowers complaints, including promptly obtaining information from service providers to investigate and if applicable correct errors resulting from actions of service providers ; Providing borrowers with accurate and timely information and documents in response to borrower requests for information with respect to the borrowers mortgage loan ; Providing owners and assignees of mortgage loans with accurate and current information and documents about all the mortgage loans they own, including information about the institutions evaluations of borrowers for loss mitigation options and loss mitigation agreements with borrowers ; Submitting accurate and current information and documents that comply with applicable law during the foreclosure process ; and Upon learning of a borrowers death, promptly communicating with the borrowers successor in interest concerning the secured property. XX/XX/XXXX On XX/XX/XXXX I found the problem. It did stem back to the Notice of Final Cure. The XX/XX/XXXX payment was applied on XX/XX/XXXX for {$2600.00} The XX/XX/XXXX payment was applied on XX/XX/XXXX for {$2400.00} Which totaled {$5100.00} Almost exactly the amount missing on the Notice of Final Cure. Ms. XXXX had credited them as contractual payments ( Trustee ) for XX/XX/XXXX and XX/XX/XXXX on the ledger. The final disbursement from the trustee had been made on XX/XX/XXXX while we were still with XXXX XXXX. We had already made XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX ( XX/XX/XXXX ) payments per usual. Our XXXX statement said we owed {$2100.00} for XXXX which we paid on XX/XX/XXXX of XXXX. Our XXXX statement said we owed {$2000.00} with an Unapplied balance of {$380.00} DUE FOR XXXX Our XXXX statement said we owed {$540.00} with Unapplied balance of {$1900.00} DUE FOR XXXX The unapplied balances had been credited from our suspense due to overpayment of which only {$75.00} remained from the trustee. Again, the final disbursement from the trustee had been made on XX/XX/XXXX while we were still with XXXX XXXX. XX/XX/XXXX XXXX reopened the bankruptcy station to review payments and allow us to send payments. XX/XX/XXXX Payment sent as usual XX/XX/XXXX Payment sent as usual XX/XX/XXXX Called XXXX for a ledger. XX/XX/XXXX Payment sent as usual I still did not receive any updates from their bankruptcy attorney, so I sent another formal letter by a different attorneyXXXX XXXX on XX/XX/XXXX. Then I received a call from Ms. XXXX who then gave me her phone number and told me she was still looking into the account. ( 12 CFR 1024.38 ( a ) and ( b ) ( 1 ) ) XX/XX/XXXX Payment sent as usual XX/XX/XXXX Payment sent as usual XX/XX/XXXX Asked for updates by text directly from Ms.XXXX She responded she had more questions. She was following up with her contact at the company. She was sorry for the delay. ( 12 CFR 1024.38 ( a ) and ( b ) ( 1 ) ) XX/XX/XXXX Asked for updates by text directly from Ms.XXXX She responded that her contact hoped she would have a response by the beginning of the week. If not she would follow up. I replied, the issue was affecting my credit and credit score. I had been asking for clarity since XXXX of XXXX and I would appreciate any due diligence. RESPA VIOLATION : For all other information requests, responding within 30 days ( excluding legal public holidays, Saturdays, and Sundays ) unless, prior to the expiration of that 30-day period, the institution extended the time for responding by an additional 15 days ( excluding legal public holidays, Saturdays, and Sundays ) by notifying the borrower in writing of the extension and the reasons for it ( 12 CFR 1024.36 ( d ) ) ; XX/XX/XXXX Asked for updates by text directly from Ms.XXXX. Her contact stated she had to have someone else look at it. No action would be taken until the matter was resolved. As such, there should not be any negative reporting with regards to the mortgage. If so to let her know. ( 12 CFR 1024.38 ( a ) and ( b ) ( 1 ) ) I responded with screen shots of the late payment reporting and screen shots of my XXXX XXXX history. RESPA VIOLATION : Determine whether the institution furnished adverse information to any consumer reporting agency regarding a payment that was the subject of an error notice within 60 days after receiving the notice ( 12 CFR 1024.35 ( i ) ). XX/XX/XXXX Payment sent as usual XX/XX/XXXX Asked for updates by text directly from Ms.XXXX. Threatened to file RESPA grievance She said they were having problems reading the prior servicers history, which was causing a delay. XX/XX/XXXX She followed up that it had been escalated to a supervisor. They are working on it.There should not be any negative reporting. They reopened the bankruptcy station while it is being resolved. XX/XX/XXXX Asked for updates by text directly from Ms.XXXX Said she talked to the supervisor and the account adjustments should be reflected by the end of next week at the latest. Said It would make the account due for XXXX but she would send me the updated figures once she had them. Said she would make the necessary requests to reverse the credit reporting. RESPA VIOLATION : For all other information requests, responding within 30 days ( excluding legal public holidays, Saturdays, and Sundays ) unless, prior to the expiration of that 30-day period, the institution extended the time for responding by an additional 15 days ( excluding legal public holidays, Saturdays, and Sundays ) by notifying the borrower in writing of the extension and the reasons for it ( 12 CFR 1024.36 ( d ) ) ; XX/XX/XXXX Asked for updates by text directly from Ms.XXXX. Said per her contact the account is currently showing due for XX/XX/XXXX Said the pictures had been forwarded to the credit reporting department for additional clarification as to what had been reported. XX/XX/XXXX Asked for updates by text directly from Ms.XXXX Requested all payments and dates and a new transaction history. Asked them to remove the additional {$5100.00} that had been added in XXXX. RESPA VIOLATION : Asserted Errors Related to Non-Bona Fide Fees 54. If the borrower asserted that the institution charged a fee without a reasonable basis to do so, determine whether the institution in fact had a reasonable basis to impose the fee ( 12 CFR 1024.35 ( b ) ( 5 ) ). An institution lacks a reasonable basis to impose fees that are not CFPB Examination Procedures RESPA CFPB XX/XX/XXXX Procedures XXXX bona fide, such as ( i ) a late fee Replied she would make the request. Said They did advise there are no outstanding fees or costs. Asked for clarification on whether we were due for XXXX or paid through XXXX? Responded due for XXXX less {$590.00} in suspense. Asked where was the missing payment that would have put us behind for XXXX? I requested a transaction history directly from XXXX by email. ***See attached Directly from loancare XXXX to XXXX Application of some dates and payments completely altered. Due for XX/XX/XXXX No outstanding fees or costs. XX/XX/XXXX Asked me to forward her the new transaction history that I called XXXX ( the company she works for ) so she could make sure we were looking at the same thing. Said she would forward my question. XX/XX/XXXX Payment sent as usual XX/XX/XXXX The ledger from XXXX XXXX was finally received that was requested on XX/XX/XXXX. XXXX applied our mortgage payments back to XXXX which should have been included in the arrears. They did not apply our direct payments to the dates that they were made post-petition. They have applied dates as far back as XX/XX/XXXX which should have been payments made by the trustee. Our payments were not due until XX/XX/XXXX. ***See attached Ledger from XXXX RESPA VIOLATION : The institution properly responded to a borrowers written error notice by : o Correcting the errors identified by the borrower as well as any different or additional errors that were discovered during the investigation and providing written notice to the borrower of the corrections, the date the corrections took effect, and contact information for further assistance ; or o Conducting a reasonable investigation and providing the borrower with a written notice stating that the institution has determined that no error occurred, the reasons for its determination, the borrowers right to request documents relied upon by the institution in reaching its determination and how to do so, and contact information for further assistance ( 12 CFR 1024.35 ( e ) ) ; AND For all other alleged errors, the institution responded within 30 days ( excluding legal public holidays, Saturdays, and Sundays ) unless, prior to the expiration of that 30-day period, the institution extended the time for responding by an additional 15 days ( excluding legal public holidays, Saturdays, and Sundays ) by notifying the borrower in writing of the extension and the reasons for it ( 12 CFR 1024.35 ( e ) ( 3 ) ) ; XX/XX/XXXX My listing agent was called by an XXXX photographer who said she was hired by my mortgage company to come out and needed to be granted entry into my house to take pictures without my permission. XX/XX/XXXX Another payment was returned in the form of a check from XXXX along with a foreclosure statement attached saying they were returning the payment because the account is in foreclosure, although on XX/XX/XXXX Ms. XXXX said we were due for XXXX and had no outstanding fees or costs. ***See attached Check from XXXX RESPA VIOLATION : 113. Determine whether the institution made any first judicial or non-judicial foreclosure notices or filings without meeting one of the following conditions : ( i ) the borrower was more than 120 days delinquent ; ( ii ) the foreclosure is based on a borrowers violation of a due-on-sale clause ; or ( iii ) the institution is joining the foreclosure action of a subordinate lienholder ( 12 CFR 1024.41 ( f ) ( 1 ) ). ( Note that this requirement as applicable to small servicers is addressed below. ) | ||||||
| 02/07/2023 | Yes |
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Web | |
| On XXXX I reached out to lakeview (XXXX XXXX about the possibility of paying my mortgage with the state program, After was placed in a forberance program I was still making payment and they informed me that the money was being place into a different account for future use do to the program i was placed under. I was informed that they received the payment in XXXX XXXX XXXX. however, I received a notice on their platform stating that I have to pay a XXXX late fees, that was also waved back in in XXXX XXXX XXXX and another fee placed back in XXXX XXXX. After reaching out to them they informed me that the late fee will be removed from the account after all because it was an internal platform error. Later on that same year after collecting the payment I was still being charged late fees until XXXX XXXX. Even after multiple late fees payment placed by me. there was still late fees associated with the account later on was informed that that the late fees was wave. but thety still kept my payments with no vlear information about where the money went. Furthermore, I tried to refinance the property and that is when they decided to install a late payment into my account to prevent me from refinancing with a different laon services agency. Due Date Applied Date Description Principal Interest Escrow Paid AmountPaid Escrow Advance Escrow Balance Principal Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and City Tax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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| 12/16/2021 | Yes |
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Web | Servicemember |
| REF : Lakeview LoanCare Loan # XXXX XX/XX/XXXX To Whom it May Concern, My husband and I are both XXXX XXXX XXXX XXXX veterans who have been denied a VA refinance XXXX by Lakeview LoanCare due to our participation in the CARES Act Program of XXXX. In XX/XX/XXXX, we applied for and received a CARES ACT Forbearance due to the COVID-19 pandemic. The forbearance was for a period not to exceed one year. It began on XX/XX/XXXX and it ended on XX/XX/XXXX. In XXXX XXXX, I called Lakeview LoanCare and requested to have our account taken out of forbearance status. We received a letter in the mail offering us the opportunity to be placed in a temporary loan modification program with monthly payments and an interest rate that were much higher than what we had been paying. We again called Lakeview LoanCare and declined the loan modification, and asked if we could instead use our VA benefits to refinance the mortgage under the VA XXXX program at a lower interest rate, which we completely qualified for. We were told this was allowable, and we were transferred over to their Community Loan Servicing department that handles refinances, and assigned to XXXX XXXX XXXX. During the intake of information and the uploading of documents process, XXXX XXXX expressed concern that we might not be eligible to use our VA benefits because our loan was not seasoned according to VA requirements. I informed XXXX XXXX that our loan had indeed been seasoned for more than ten years, as it originated in XXXX and the VA seasoning period requires 6 months of consecutive on-time payments prior to closing on a subsequent VA loan XXXX which we had more than accomplished after 11 years of on-time payments. I provided XXXX XXXX with a copy of VA Circular VA Circular 26-20-25 that states as requirement for Cares Act Refinances : ( 1 ) The borrower has made at least six consecutive monthly payments on the loan being refinanced. For example, in a case where a borrower made five consecutive payments before invoking a CARES Act forbearance, such borrower would need to make six additional consecutive payments, post forbearance, in order to meet the seasoning requirement. Again, we had already made 11 years worth of consecutive payments before invoking a CARES Act Forbearance, thus our loan was completely seasoned. The VA confirmed this. In XXXX of XXXX our VA XXXX refinance loan was denied by Lakeview LoanCare. By this time we had made 3 consecutive on-time payments since the forbearance period ended on XX/XX/XXXX. Payments were made in XXXX, XXXX, and XXXX. Included in our denial letter was a snippet containing the exact same verbiage taken from VA Circular 26-20-25, which is the circular we had provided to XXXX XXXX XXXX at the very beginning of the process. The snippet provided in the denial and used to justify our denial read : ( 1 ) The borrower has made at least six consecutive monthly payments on the loan being refinanced. For example, in a case where a borrower made five consecutive payments before invoking a CARES Act forbearance, such borrower would need to make six additional consecutive payments, post forbearance, in order to meet the seasoning requirement. When we pointed out that this was the exact same snippet that the VA provided as a protection for veterans who had invoked CARES Act forbearances, and who were not to be denied the right to use their duly earned VA benefits, we were then told that Lakeview LoanCare has its own internal seasoning requirements that they were using to deny us an XXXX, and that we needed to make six monthly payments before we could proceed with our refinancing. A few days later we received an email attachment dated XX/XX/XXXX stating that our loan was denied not because we needed six monthly payments as we had clearly been told in writing and provided a snippet to support, but now the reason stated for the denial was because we were still in forbearance status. This was a completely impossible excuse as the forbearance period lasted for only one year, and it had already expired three months earlier on XX/XX/XXXX, which I provided the letter generated by Lakeview LoanCare to verify. The entire reason we were attempting to refinance was because the forbearance period had expired after one year, and they offered us a very expensive loan modification at its end. We believe the refinance denial from XXXX XXXX XXXX was a discriminatory " punishment '' levied against military veterans who hold fully seasoned VA loans, and who have gone on years after such seasoning to invoke a CARES Act forbearance. We further believe XXXX XXXX XXXXLakeview LoanCare sought to deny us the right to utilize our VA loan XXXX whose interest rate was far lower than the interest rate offered under their loan modification program, as a means to force us to pay a much higher monthly mortgage and to generate as much income for the financial institution as possible. They are continuing to deny us as veterans the right to use our VA loan benefits in direct opposition to the VA 's position that, " lenders should not use a CARES ACT forbearance as a reason to deny a Veteran a VA-guaranteed loan. '' VA XXXX XXXX states as follows : 5. VA-guaranteed Purchase and Cash-out Refinance Loans. Veterans who are affected by COVID-19 should still be afforded the opportunity to utilize their earned VA home loan benefits. For this reason, VA is temporarily relaxing certain credit underwriting policies for VA-guaranteed purchase and cash-out refinance loans. While lenders must continue to follow VAs underwriting standards generally, lenders should not use a CARES Act forbearance as a reason to deny a Veteran a VA-guaranteed loan. In such cases, borrowers, through the lender, must provide reasons for the loan deficiency and information to establish that the cause of the delinquency has been corrected. See 38 C.F.R. 36.4340, 36.4306 ; VA Pamphlet 26-7 ; and VA Circulars 26-20-10 , Lender Guidance for Borrowers Affected by COVID-19, 26-20-19, Additional Lender Guidance Concerning COVID-19, and VA Circular 26-20-13, Valuation Practices during COVID-19, including future policy updates that would supersede Circulars listed above. VA will not consider a Veteran as an unsatisfactory credit risk, based solely upon the fact that the Veteran received some type of credit forbearance or experienced some type of deferred payment during the COVID-19 national emergency. VA reminds lenders instead to continue to review and evaluate all applicable credit qualifying information, e.g., residual income, debt-toincome ratios, credit, and assets. Although deferred payments may not be considered for credit risk purposes, the lender should consider the monthly obligation if the debt remains active after closing the new loan. By the time we applied for the VA XXXX refinance in XX/XX/XXXX, our COVID financial situation was completely resolved, wed met and exceeded all financial qualifications for the loan, and our credit scores were both over 800. There was no valid or legal reason to deny us this loan. We were contacted by a compliance rep named XXXX XXXX, who reviewed our case. XXXX XXXX did some investigating, and after several weeks called us to say that she was unable to assist us because Lakeview LoanCare had its own seasoning requirements that outweighed the VAs requirements. XXXX XXXX informed us that we would have to make 6 consecutive payments AFTER the forbearance period in order to apply for a VA XXXX loan. We also received an email letter from the Compliance Director, XXXX XXXX, who further explained that our loan was being denied because we needed to have six monthly payments after the forbearance period ended. We complied with this requirement and made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Each time we made a payment we called in to the payment processing center and asked how much we needed to pay, then we dutifully paid that amount. After our 6th consecutive payment was made in XX/XX/XXXX, we contacted XXXX XXXX XXXX and reapplied for a refinance of our property using our VA XXXX benefits. We again went through XXXX XXXX XXXX, who led us to processor XXXX XXXX XXXX, and we submitted all required documentation. However, we ran into another roadblock when we were told by XXXX XXXX XXXX that our loan was still in modification status, which it should have never been in modification status because we never signed any paperwork to modify since we were seeking to refinance. In fact, I spoke to two Lakeview reps who asked me about the loan modification documents and I informed them that we were in the process of refinancing the loan, and were following the instructions to make 6 monthly payments as required as per the compliance director. I asked that this be annotated in our records so it would be clear that we were pursuing a VA XXXX refinance. Remember, we were told by Lakeview that 1. We could refinance in lieu of modification at a higher interest rate. 2. We needed to make 6 monthly payments after forbearance 3. Now, we were being denied again because they claimed we were in a modification status. A couple of weeks ago I called Lakeview LoanCare to initiate a telephone payment as I usually do each month. I was told that no payment could be accepted because the account was in a breach status and there was no one who could elevate me to a supervisor. I contacted XXXX XXXX from compliance seeking assistance. She reached out to a resolution team that is supposed to handle these matters, yet each time I called her for an update she had to regretfully inform me that no one from that team had responded to her numerous calls and messages. It was shocking and sad to find that although she wanted to help resolve this situation, there was absolutely nothing she could do to assist me. It was obvious that she was being ignored by those who were placed in the position to help, but who were instead completely unresponsive to their customers. We have truly gotten the run around from this company at every juncture, we've had them tell us one thing and days later tell us something else, and we have been subjected to completely unresponsive personnel at every single level of the company. We are requesting that you investigate this denial of a legitimate and fully qualified VA XXXX, and assist us in obtaining the refinance loan that our service and sacrifices deem us entitled to. Thank you. XXXX. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX | ||||||
| 12/28/2020 | Yes |
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| On the new re- approval package received yesterday the following is mentioned : ( page 2 ) Present total is XXXX ( Existing Loan + HOA fee ) Proposed Saving : XXXX ( New Loan amount ) My current total is : XXXX = P & I : XXXX + Escrow ( Taxes and Insurance ) : XXXX From the current XXXX total XXXX goes to MI. The XXXX includes XXXX for H.O.A. but I pay the HOA separately therefore it is not included in my mortgage payment. In their New Loan information ( page 56 ), the following is displayed : New Loan information : P & I Payment XXXX Payment w/ MI : XXXX Total monthly obligation : XXXX Loan contains MI : Yes Existing Loan : P & I Payment amount:XXXX Payment w/ MI : XXXX Total monthly obligation:XXXX Loan contains MI : No On my current statement, XXXX is paid monthly to MIP/PMI Disbursement, therefore under the existing loan, the loan contains MI should be yes. I am under a deadline where the current lock rates expire by end of the week or XX/XX/XXXX. I have tried to reach out to XXXX who is the Loan Officer and have received not answer. Getting ahold of anyone here has been a nightmare : While I was working with XXXX XXXX I to had questions about items she kept requesting : On XX/XX/XXXX I received the following from XXXX XXXX : Upon review of your FHA Streamline Refinance mortgage loan that you have in process with us, we are still in need of the following items on your loan : 1. Need to update HOA Dues 2. Occupancy Check box is not checked IN HUD 92900-A Form need updated Form ( see attached document ) complete and upload. If you have any questions please contact myself as soon as possible. On XX/XX/XXXX, I replied the following : Good morning, Form checked and uploaded and HOA history uploaded. Im not sure if the HOA histo ry is what you are looking for cause I dont understand what is it you are asking with update HOA dues. Please advise if I missed something. Thank you, XXXX On XX/XX/XXXX, XXXX XXXX emailed me the following : Still Needs : 1. Need to update HOA Dues 2. Occupancy Check box is not checked IN HUD 92900-A Form need updated Form 3. Required Utility Bill with full service and servicer address to verify occupancy Respond from me on XX/XX/XXXX : XXXX, I have called you and you have not returned my call. I have uploaded bills, checked the occupancy box and have provided what I believe you are asking for about the HOA Dues. Please give me a call and let discussed this that you say that is missing. XXXX XXXX XXXX On XX/XX/XXXX I emailed XXXX XXXX the following : If you can give me a call at XXXX XXXX XXXX that would be greatly appreciated as I have not been able to get ahold of XXXX XXXXand she keeps asking for documents. At first I was happy with paying my mortgage and twice lakeview send us a form to refinance for lower apr. We took the deal on the second mail, and since then I was told you wouldnt pull our credit, I was advised from my monitoring company that lakeview did a hard inquiry on my credit. Now I have all these other company who want to refinance at a lower rate or Im being told I have or had a window to look for other companies. If you dont want to refinance us Im ok with that, but XXXX XXXX customer service skill are a zero and its upsetting that she keeps asking for a document and I have no idea what she is asking for. On XX/XX/XXXX email from XXXX : Good Morning Mr. & Mrs. XXXX, Thank you for the email and I hope that I can clear up any misunderstanding. I would like to advise and confirm that I did not pull your credit. Below is an explanation of the items needed to moving forward. Upon review of your FHA Streamline Refinance mortgage loan that you have in process with us, we are still in need of the following items on your loan : The HOA ( home owners association document received is fine. 1003 document is missing in file, required 1003 with borrower signedplease sign the application. * Provide a copy of a Current utility bill at your residence ( please provide all pages ). The bill provided has a last name of XXXX, we need the bill to reflect your current last name, or a pay stub. on XX/XX/XXXX I replied : Good afternoon Mr. XXXX and Ms. XXXX, -Thank you for accepting the HOA form provided. -I uploaded water bill and both of our paystubs in the XXXX XXXX portal. -The 1003 document, I have no idea what this is. I called and spoke to mortgage processor, the woman said this would have been the electronic forms which have been electronically signed by my husband and I. On XX/XX/XXXX emailed from XXXX : Good Afternoon, Upon review of your FHA Streamline Refinance mortgage loan that you have in process with us, we are still in need of the following items on your loan : 1.Fraud report reflects Borrower 's undisclosed Property " XXXX XXXX XXXX XXXX FL XXXX ? Required IS a letter of explanation ( LOE ) from borrower and co-borrower. We called requesting more info on this request and XXXX did answer the phone and the requested doc was submitted. on XX/XX/XXXX the following was emailed to XXXX XXXX : Good morning, Request completed. Document uploaded to the XXXX portal. Email from XXXX XXXX on XX/XX/XXXX : You will not make your XXXX payment and your first payment will be XX/XX/XXXX. You will receive your Closing Disclosures via email which will entail all final figures. The disclosures will need to acknowledge them ASAP to avid a delay in closing. New loan terms Loan amount {$220000.00} Interest rate : 3.125 % Term : 360months P & I payment : {$960.00} PITI payment : {$1600.00} First payment on new loan : XX/XX/XXXX By the time email was received XXXX Mortgage was paid and now the new mortgage payment is XXXX I then received a call from XXXX and this was my email to him on XX/XX/XXXX : To : XXXX Cc : IssueResolutions ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX Hi XXXX, Sorry I missed your call the first time but thanks for your time on my call back. Here is a recap of our conversation today : The XXXX number left in my vm is not my work number. The following from a previous email is no longer applicable : Cash to close is XXXX to be paid to the notary at closing via cashiers check. Upon signing on XX/XX/XXXX I will get a check for the XXXX. First Payment on XX/XX/XXXX will be XXXX The following from a previous email is no longer applicable, re : total from PITI : I still dont understand how a monthly payment of XXXX goes up to XXXX for pushing it back two weeks and the XXXX payment was received. Also, I hope this was a typo from your email below : and your monthly bill after escrow is XXXX. I then received a new email from XXXX received XX/XX/XXXX says : Cash to close will be XXXX for you to bring in a cashiers check. My latest followed up email To : XXXX Cc : IssueResolutions ; SharonRobinson ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX Emailed this morning is : Good morning All, I would like to thank all for the opportunity to refinance but my current payment is XXXX and the new payment is XXXX. On the new re- approval package received yesterday the following is mentioned : Present total is XXXX My current total is : XXXX - P & I : XXXX Escrow ( Taxes and Insurance ) : XXXX From the current XXXX total XXXX goes to MI. Proposed Saving : XXXX Im interested in the XXXX plus the current Escrow ( Taxes and Insurance ) : XXXX With the new XXXX total shouldnt XXXX go to MI? If my new payment is still XXXX or XXXX, Im not interested in refinancing. I also submitted two complaints to this company and no one has returned my call : 2nd notice sent to them : When I purchased my home, I went to the lakeview site to make payments and I was happy. Then my husband and I decided to refinance, due to the XXXXwo notices received. I understand youre in the business of making money and Im in the business of getting the worse customer service from Lakeview, but can it be that bad that you can call or reply to my emails. This refinance process started in XXXX and is hopefully ending soon, I hope you dont ask me to rate you because you really dont deserve my business. On XX/XX/XXXX, I received an email with the following, Closing is all set for XX/XX/XXXX at XXXX at your home, the notary will reach out to you prior to this date and time with any additional details. Please let me know if this date needs to be changed. You will not make your XXXX payment and your first payment will be XX/XX/XXXX. I emailed : XXXX XXXX, XXXX XXXX Good morning, 2nd notice Payment for XXXX, XXXX have been submitted. Please advised what are the next steps of this payment that has already been submitted. Am I getting this refunded to my account? Am I getting a check? Or is XXXX payment going to be applied to the XX/XX/XXXX payment and I dont have to pay until XXXX? An answer would be greatly appreciated, This is not the first time an email was sent and I didnt get a respond, here goes another example of another unresponsive email : XXXX, I have called you and you have not returned my call. I have uploaded bills, checked the occupancy box and have provided what I believe you are asking for about the HOA Dues. Please give me a call and let discussed this that you say that is missing. XXXX XXXX XXXX Here was a concern not address by your company but I fixed it through my credit monitoring company as I was deducted 45 points for the mortgage inquiry, those point though have been returned. Please also note since the refinance process I have received two emails my credit monitoring company. Both emails have been attached. Here another escalation : Hello XXXX and XXXX, XXXX XXXX has reached out to us in the TPO Client Services department. Unfortunately, we can not assist her as we do not work on loans. XXXX, XXXX believes she had provided the requested documents to you more than once. Can you please reach out to her to let her know if what she has already provided is insufficient and if so, what does she need to do to clear those conditions with you. I am including her to this email for ease of communication. Thank you kindly. XXXX XXXX | ||||||
| 04/20/2020 | Yes |
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| I am attempting to get the PMI cancelled from my mortgage account at Lakeview Loan Servicing LLC ( sub-servicing by XXXX ). We have made substantial improvements to our property that warrant a new appraisal, which we believe will show that our Loan To Current Value is 80 % or less. We started this process in XXXX, made payment for the appraisal to be done and uploaded documentation of our property improvement receipts in XXXX, and then were denied in XXXX. The denial was due to a series of errors on behalf of XXXX, and the way they applied my escrow shortage payment in XXXX ( explained in detail in the text below- which is what I eventually ended up emailing to XXXX ) ; these errors gave the impression that I had been 60 days past due on more than one occasion, yet this was never true, never communicated to me, never reported to a credit bureau, nothing! After multiple attempts from XX/XX/XXXX through XX/XX/XXXX ( and HOURS on the phone with them ) of trying to get them to fix this error, they denied my PMI cancellation request again. On XX/XX/XXXX, I spoke with yet-another supervisor who told me that, while she could see the series of errors that had occurred ( note : every agent & supervisor I spoke with told me they could see the errors that had occurred ), she could not process this request but that I should send an email to XXXX explaining the situation, which I did. Immediately I received an auto-generated response that my case had been closed. So I sent another email to that same address and received the same letter that I got in XXXX explaining how to apply for PMI cancellation, however this one was dated XX/XX/XXXX. On XX/XX/XXXX, I spoke to XXXX, explaining the situation and that I wanted to make sure the errors that caused the previous denials had been fixed and that I wanted to re-order the appraisal so that I could get this PMI removed. He told me he could not see all of the notes on the account and I would need to speak to a supervisor, so I was transferred. After 26 minutes listening to hold music, I heard a machine asking if I was satisfied with my message and then disconnected my call. I am begging for help here. This is a blatant disregard of the Homeowners Protection Act, enforced by the Dodd-Frank Act. Continuing to cause difficulties and delays of cancelling my PMI is fraudulent on their part. I have, in good faith with their procedures, completed every step they have required, and even spent hours and hours on end with them as they go through the process of fixing their errors. Yet, three months into the process, I I have not gotten any closer to 1 ) getting the PMI cancelled or 2 ) getting the errors corrected that caused the prior denial. Below is the email I sent to their Payment Research Address on XX/XX/XXXX at XXXX XXXX MT : Consumer Solutions Department, I am desperately looking for someone who can look at my account and correct an egregious error that has occurred. In XX/XX/XXXX, my mortgage payment was {$2200.00}. I received a notification from XXXX indicating that my escrow was short by {$420.00}. I was advised that I could pay the shortage and my payment would increase to {$2200.00} or not pay the shortage and it would increase to {$2200.00}. I opted to pay the shortage and sent a payment for {$2600.00} ( XXXX+XXXX ). The following month ( XXXX ) I couldnt remember the new payment so I sent {$2300.00} as a guess ( that is not relevant to the story, but will explain why the payment that month was a little wonky ). The following month I had that initial paperwork in front of me and paid {$2200.00} ( as stated on the escrow shortage notification ), this happened every month following that for the remainder of the year ( not ONCE did I EVER pay my mortgage late- nor have I ever ). Probably sometime around XXXX I realized that my statement was showing that my payment was {$2200.00}, I called XXXX and was advised that the {$420.00} that I paid toward the escrow shortage was applied to principal. The agent realized they had misapplied my escrow payment and told me she would escalate to a supervisor to have it applied correctly and have my payment show accurately on my statement. After two more months of the statement still showing incorrectly, I called back again and was told that it hadnt been fixed correctly and would need to be fixed again. At this point it was escalated again. Another two months go by and the statement is still incorrect, so I call again. The person who answered this time told me that she would be able to fix it herself. Shortly after that, my statement was corrected and finally reflected the correct monthly payment. Fast forward to XXXX. We decided that we would like to go through the process of getting the PMI removed from our mortgage payment. We were told that we would get a packet explaining what we needed to do. Three to four weeks later we received the packet that explained that we had been denied and explained that we had the option to order an appraisal if we had done substantial renovations to the house. Since we had, we opted to go this route. I called the PMI department and advised that I would like to have the appraisal ordered, the woman on the line took my payment of {$320.00} and advised that the appraisal would be conducted by XX/XX/XXXX, so to expect a call from someone to schedule it. I had a couple of questions that she did not clarify, so I called back again to get those cleared up. Things seemed fine. By XX/XX/XXXX, I had not heard from anyone regarding the appraisal, so I called again. At this point I was told that my {$320.00} had been refunded in the form of a check that would be sent to my home, and that my request had been denied because I had been more than 60 days late two times. I was appalled. I explained that I had never been late on a payment, the woman reviewed my payment history and explained to me that she was confused about why it was saying that because she was not seeing any late payments on my account. She placed me on hold and told me that this would be escalated and would take a few days to hear back from someone. Over the course of the next week I waited to hear back from someone and never did, so I called back. I explained what I was trying to do and again advised that I had not had a late payment ever, and the agent again escalated my call. I received an email about my escalation ( XXXX ) on XX/XX/XXXX, telling me that a member of management was reviewing my request and asked for additional time. I received a similar email on XX/XX/XXXX, explaining again that more time was needed, and another one on XX/XX/XXXX. At this point I called back again, I explained the situation again and was told that the supervisor had just received it on his desk and should be able to get to it very soon. Today, XX/XX/XXXX, I received another email telling me that my escalated request had been resolved. But it gave me no further information. Once again, I made a phone call to ask what the resolution was. The agent on the line told me that my request to remove the PMI had been denied because my account payments had been misapplied on my account in XXXX. I explained to him what had happened back in XXXX with the escrow shortage being misapplied and the multiple attempts I made to get it fixed, he could see all this documented but advised that there was nothing he could do but transfer me to a supervisor. When I finally go to a supervisor and explained the situation again, she again told me that the request was denied due to the misapplied payment. I pointed out that if the misapplied payment was not handled correctly then it was clearly an error on behalf of XXXX, and that it was completely out of my hands. She agreed with me but advised that she could not change the outcome of the decision. She advised that I contact the consumer solutions department via email, obtain another LPK tracking number and wait another 7-10 days for a resolution, and possibly a phone call. So this is where I am at. I am begging someone to take a look at my account who can see what has happened in XXXX was not my error, and that I NEVER made a late payment. In that vein, I am requesting that my PMI removal request be approved so that I can get the PMI removed from my loan based on the current value of my home. Thank you, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX ) XXXX | ||||||
| 01/03/2022 | Yes |
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| COUNT 1 : We are customers and borrowers of XXXX XXXX lakeview servicing, we have been involved in a major escrow analysis and escrow payment calculation dispute as follows : We have been loan modified through the XXXX loan Modification Program as per the covid pandemic relief as of XX/XX/XXXX our modified and agreed new monthly payment was supposed to be {$1100.00} with the escrow component already figured into this payment and since we are XXXX Loan Modified we are NOT required/forced to pay accelerated monthly escrow shortages that are directrly correlated to the Forbearance program that we were on during XX/XX/XXXX through XXXX XXXX, what XXXX is attempting to do is illegally accelerate escrow payment recapture to the tune of {$120.00} this is abhorrent and illegal since it completely nullifies the beneit of our XXXX Loan modification all because XXXX XXXX is attempting to accelerate escrow repayment of forbearance escrow expenditures Note these escrow increases are completely irrelevant to the historical normalized year over year increased due to normal property or school tax or insurance increases these amounts are relatively smaller in nature and palpable NOT ACCELERATED ESCROW EXPENSE RECAPTURE OF THE FORBEARANCE OUTLAYS COUNT 2 : XXXX on XXXX separate occasion tried to re calculate our escrow first on XX/XX/XXXX where they calculated our escrow shortage at {$43.00} monthly which would have increased our monthly mortgage payment up to {$1200.00} effective XX/XX/XXXX all the while on the XXXX website the loan modified payment still was in effect of {$1100.00} which we paid [ then as late as XX/XX/XXXX the payment was still in effect of {$1100.00} which again we paid as such Then again on XX/XX/XXXX Loancare tried yet again to recalculate our escrow shortage and new monthly mortgage payment of XXXX again due XX/XX/XXXX which as I stated the website still effectuated the loan modified amount of the {$1100.00} discrepancy number XXXX Then still yet again XXXX cam back and again tried to assert that our new escrow shortage was actually {$120.00} complete nonsense to say the least this is quite evident that here they are blatantly attempting to accelerate escrow payment recapture hoping that my ignorance will let them get away with it well not so fast COUNT XXXX ON XX/XX/XXXX I reached out to XXXX XXXX XXXX whom is a senior Loss mitigation supervisor to explain to her what the problem is with our escrow account here is the actual verbiage of my initial contact with XXXX XXXX : Dear XXXX XXXX, I need to schedule a phone conference with you to discuss the escrow account because there is a {$100.00} discrepancy between the pro rated shortage that was used in the payment modification of the {$1100.00} versus what the system is generating as a {$120.00} shortage [ resulting in the new increased payment of {$1200.00} ], not only is this counterproductive to the benefits of the reduced modified payment, the argument can be made that the escrow shortage is/was exacerbated due to the pandemic hardship this wasn't caused by an ordinary mathematical adversity [ which when historically analyzed any year over year variances were within smaller monetary increments, so my thinking here is that is there some way to possibly mitigate this accentuated shortage amount in such a way that it can re amortized using a different methodology giving respect to the intentions and benefits accorded within the XXXX modification program because XXXX so keeping this shortage amount being recaptured into our modified new payment it really is actually nullifying what our mutual intention was when we concurred that attaining a lower modified payment would be to our benefit and it is/will be creating a forward hardship Please see how you can assist us with this and let me know when you can meet us via phone if needed Thankyou XXXX and XXXX XXXX Then her initial reply to my initial email is as follows : Good evening, I do not have an explanation at the moment for the discrepancy between the payment of {$1200.00} on the most recent escrow statement and the expected modification payment amount of {$1100.00}. I have opened a request to have the escrow analysis re-run and included the details above. This process normally takes about XXXX weeks and a follow-up letter with the results will go out in the mail. If you send me a reminder email, then XXXX be glad to email it to you sooner since the mail tends to be slower this time of year. Outside of the payment inquiry, I hope the holidays are treating you well! Thank you, XXXX XXXX Loss Mitigation Supervisor Collections Department XXXX XXXX XXXX XXXX : XXXX | XXXX : XXXX Then on because I did not hear anything from the XXXX escrow department for those XXXX weeks I reached to inquire from XXXX XXXX as to the status of the re analysis here is my verbiage of XX/XX/XXXX Dear XXXX XXXX, I am inquiring regarding the status of our escrow re-analysis because I have not received any correspondence of their findings since it is now very close to XXXX I will just keep paying the regular amount I really hope they took my case under serious consideration as the function of full recapture of forbearance escrow advances is directly counter to our receiving the XXXX Modification which wholly is to give us benefit, whereas the methodology that was used to basically accelerate recapture of those direct pandemic escrow advances is defective and needs to be completely reversed and restructured in function not only for me but for all of the other customers that this effects, So please advise as to their status if you can XXXX and XXXX XXXX Her automated email reply said she was out of the office I am out of the office. If you need immediate assistance, please reach out to XXXX, Mon-Fri XXXX and Sat XXXX Eastern Standard Time. Thank you. So On XX/XX/XXXX I reached to loancare escrow department and spoke to XXXX in that department and explained to her our case details she then concurred that we should not have to pay the increased accelerated escrow recapture since we are under a permanent XXXX loan modification and that payment was formulated under mutual agreement by XXXX XXXX and ourselves because the effectuated goal was to reduce our monthly payment by reducing the interest rate which was done as well as re amortizing the loan duration outwards which was also done, NOTE **** THIS NEW ERRONEOUS MONTHLY PAYMENT IS COMPLETELY GOING AGAINST AND NEGATING THE BENEFIT THAT WE NEEDED AND EXPECTED OF THE XXXX LOAN MODIFICATION PROGRAM. Then on XX/XX/XXXX I had had enough of this nonsense when I went into the XXXX XXXX website and saw that they hard embedded and stamped in the new erroneous payment of the {$1200.00} as of XX/XX/XXXX. This is my final email dated XX/XX/XXXX sent to XXXX XXXX Dear XXXX XXXX In my last email I indicated that the underwriter still has grossly failed to resolve a simple issue related to the defective escrow calculations, on new years eve I spoke to XXXX in the escrow department and she unequivocally indicated that there is indeed an error in the escrow calculation and that we should not have been forced to pay accelerated escrow recapture payments [ and indeed I even told you I will never ever pay this convoluted escrow payment nonsense ] that still holds true Now it has been over 30 days and still no resolution so I am giving the escrow department until noon Wednesday XX/XX/XXXX and if there is no resolution in my favor at XXXX I will be again contacting the CFPB to file a complaint I have standing on this because those escrow people are quite frankly extortionists if they think I will pay accelerated escrow recapture payments that are directly correlated to the forbearance pandemic period Now as I even indicated [ AND FEARED ] to XXXX that your website even now has hard stamped the defective payment of the $ XXXXI will only be paying the modification amount of {$1100.00} [ in my bill pay at my bank there's more than one way to skin a cat ] until the next ice age. I'm fuming mad with this and you have to understand my position because as always XXXX RIGHT XXXX XXXX XXXX XXXX | ||||||
| 11/09/2018 | Yes |
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| I am writing to you about the above-mentioned loan. I am attempting to resolve the delinquency of the mortgage and to address the denial of assistance we have received from XXXX without explanation. We have been attempting to mitigate damages for the past seven months to no avail. Time is now of the essence as we have received notice of the intent to foreclose as of XX/XX/XXXX. The letter which was dated XX/XX/XXXX advised that in no less than 45 days from the date of the letter, you intend on filing the foreclosure. For that reason, it is imperative that we resolve this matter immediately so my family and I may keep our home while bringing the loan current. The following is a brief timeline on our attempts to secure assistance and cure this delinquency : XX/XX/XXXX - I initially contacted XXXX and spoke with a representative about assistance options to reduce our mortgage due to loss of both hours and employment. During this conversation the representative advised me that he would send me a loan modification packet to be returned to the Loss Mitigation Department. He further advised that the process would take 60-90 days from when you received a completed packet and that during that time we would not have to worry about making payments. Upon receipt, we immediately returned the packet. XX/XX/XXXX - After not receiving communication of any kind from XXXX regarding our application, I contacted the Loss Mitigation Dept. on this day and spoke with XXXX XXXX who advised me the paperwork had in fact been received and uploaded into your system. XXXX further stated that at this point no further action was necessary on our parts and no one had been assigned the file as of yet. He advised to await further instructions and if additional information was needed, it would be requested. XX/XX/XXXX - I started new employment with XXXX XXXX XXXX XXXX XXXX at which time I contacted XXXX that same week because I was still receiving collections calls which we believed would stop while our modification was being worked on despite not receiving any follow-up communication on it. During this particular call I was advised we would still receive collections calls, as well as negative credit reporting until completed. Meanwhile, I learned that you, XXXX, had been assigned the file and was transferred over to speak with you. Due to you not being available, I left a message for you asking for a call back to discuss any updates and options. A week later we received a letter dated XX/XX/XXXX acknowledging the receipt of the request for modification and the company would be in contact. Shortly thereafter we received another letter dated XX/XX/XXXX stating that although we may be experiencing a hardship, we did not qualify for a modification at this time. The letter failed to inform us as to why our family was denied assistance nor what further steps needed to be taken except to make the payment in full. On or about XX/XX/XXXX - I contacted XXXX and yet again requested information as to why we received the denial and what other options were available to us. Still no information was provided and I was again transferred to you and left a message making the same request for an explanation. XX/XX/XXXX Considering we still had not received a return call from you, nor any communication from XXXX period, we were left with no known option but to search for outside alternative solutions to assist with keeping our home. I contacted two resources that claimed to assist with stopping foreclosures, XXXX and XXXX XXXX XXXX. However, they both requested money to assist with submitting a loan modification, claiming that most loan servicers choose not to deal with consumers and will opt to foreclose rather than modify the loan to keep the home. That concept was difficult to accept as wed like to believe that XXXX wants us to remain in our home which is more advantageous for the servicer once were able to become current and resume making our payments moving forward. So we opted not to use their services as we can not add on additional debt to the mounting one we have with our mortgage. Besides, we know that we dont have to pay to get a loan modification and our servicer has an obligation to work with us to attempt to mitigate damages on both ends. At the very least, we are owed an explanation for the denial and what options remain. On or about XX/XX/XXXX - After declining XXXX and XXXX XXXX XXXX, we then contacted a resource from the loss mitigation packet that XXXX originally sent at XXXX. In response to our inquiry, we were contacted by XXXX XXXX from XXXX XXXX XXXX XXXX. XX/XX/XXXX - Ms. XXXX called and gathered additional information about my familys situation and what we were hoping to accomplish. I advised Ms. XXXX that we want to keep our home as this is where my husband and I are raising our XXXX children. I further advised Ms. XXXX that we had contacted XXXX in XXXX of this year to request a modification and was denied without explanation as to why. Ms. XXXX informed us that she has encountered this scenario before and would re-submit an application for modification to XXXX. This was now the third time my family and I were informed that we may potentially lose our home due XXXX lack of cooperation. We immediately submitted the application via Ms. XXXX. XX/XX/XXXX - Ms. XXXX advised she had reviewed our file and our income needed to be clarified. I informed Ms. XXXX that our family receives additional income assistance from various sources such as child support ( as an example ) and would provide supporting documentation to be submitted with the request. That documentation was then personally submitted to her as of XX/XX/XXXX at which time I was advised that this was all I needed to do. Despite this all occurring two months after our initial meeting, we remained optimistic as this was the first time someone had gotten back to us regarding our application and it appeared we had some movement. XX/XX/XXXX - Prior to this date we had not received any communication from Ms. XXXX, however that was not a concern considering weve been repeatedly quoted the 60-90-day turnaround time. Meanwhile, weve now received the notice of intent to foreclose which prompted an unsuccessful urgent call to Ms. XXXX. Since that time all attempts to reach Ms. XXXX by email, phone, and in person contact have failed. She has neglected to respond to any of our efforts and we have no further information as to the status of our request. As of this writing, neither XXXX or anyone from XXXX XXXX XXXX XXXX has responded to our repeated requests for information and assistance. We started this process by contacting XXXX on XX/XX/XXXX to no avail. We have followed all instructions and cooperated with XXXX, even soliciting a recommended resource, however we are no closer to resolution than when we started. Its now seven months later and were still guessing at why weve been denied a mod, assuming the most common reason for denial is debt to income ratio based on our research. In closing, we are requesting the following : XXXX specific denial reason from XX/XX/XXXX Confirmation of the re-submission of our modification request via XXXX XXXX XXXX XXXX and its status How to properly advise you of an additional change in circumstances as we have secured a boarder. However, because we have not been informed as to the reason for our denial and what we can do to cure it, we are unaware if we will need an additional boarder or not. As an FYI, we are able and prepared to take on a 2nd border but only if needed Again, I can not stress enough that time is of the essence as we are trying to avoid foreclosure and we need your assistance to do so. We experienced a severe hardship ; however we are now recovering from it and are able to resume modified payments. It is our sincere hope that you, on behalf of XXXX, will work with us so we may save our home. We look forward to your response and anticipated cooperation. As to date the response from XXXX does not include any data used for a denial and also does not address the specific questions outlined. | ||||||
| 08/03/2022 | Yes |
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| I applied for an extension of credit XX/XX/2022, for XXXX months I submitted paperwork and documents. Which were claimed to qualify me for a new loan/refinance. At the last minute, XXXX hours before closing in XX/XX/2022. I was denied the loan and a couple days after, I received my adverse action report, denying me the right the loan. Ive done some studying and it has become clear to me that Lakeview has violated and discriminated against me. Pursuant to 15 usc 1681a ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. From you denial explanation in Part I & II, where I have been violated and discriminated against. It states, I was denied for insufficient assets & information obtained by a 3rd party. As you can see from Federal Law, I can only be denied for purposes of Insurance, Employment, Licenses, state or local child support payments/enforcing child support order. Which none of those action pertain to me. Pursuant to 15 USC 1681a ( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. ( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance. The term consumer means an individual. Which I am. The definition of credit means the right granted by a creditor to an applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor. The definition of creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. All of these terms refers to me Pursuant to the CFPB, credit reporting is voluntary. XXXX.1.1 Furnisher Incentives and Disincentives Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. Not all creditors report information about their borrowers. Some creditors report information about users of some of their credit products, but not others. For example, credit card issuers who issue revolving credit to consumers usually report trade line information monthly on consumer cards but are less likely to report on small business cards even when these are owed by, and underwritten based on, the personal credit history of the business owner. Ive including the entire report, ACCORDING TO THE CFPB 15USC 1691 ( a ) ( 3 ) ( a ) Activities constituting discriminationIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. ( b ) Activities not constituting discriminationIt shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension ofcredit and not to discriminate in a determination of credit-worthiness ; ( 2 ) to make an inquiry of the applicants age or of whether the applicants income derives from any public assistance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of credit-worthiness as provided in regulations of the Bureau ; ( 3 ) to use any empirically derived credit system which considers age if such system is demonstrably and statistically sound in accordance with regulations of the Bureau, except that in the operation of such system the age of an elderly applicant may not be assigned a negative factor or value ; ( 4 ) to make an inquiry or to consider the age of an elderly applicant when the age of such applicant is to be used by the creditor in the extension of credit in favor of such applicant; or ( 5 ) to make an inquiry under section 1691c2 of this title, in accordance with the requirements of that section. ( c ) Additional activities not constituting discriminationIt is not a violation of this section for a creditor to refuse to extend credit offered pursuant to At this point your company procedures do not supercede Federal Law, this is a direct violation of my rights of a consumer 15 USC 1602 ( f ). Tells me that Credit is my right, I can not be denied a right 15 USC 1602 ( p ). Makes it clear that I can not that you committed fraudand used my credit card ( social security card ) without my authority ad I didnt receive and benefits. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for excersing my rights, and applying for that loan is excersing my rights. Now I would hate for this situation to escalate, Im sure youre just doing your job. But I would now have to hold you XXXX XXXX XXXX and XXXX XXXX XXXX personally liable for this because as of now youre acting as an authorized representative for Lakeview Loan Services . I am willing to let all of this go if your company does the right thing and reverse this decision. Thank you | ||||||
| 12/06/2018 | Yes |
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| I have not worked since XX/XX/2017 because of a bad XXXX XXXX on XX/XX/2017 which required XXXX and XXXX XXXX XXXX and a XXXX XXXX on XX/XX/2017. I mentioned this to my mortgage company to see what kind of options I had just in case I needed help. Well they told me they could push my mortgage back 3 months, but I would have to pay the full amount at the end of the 3 months. I asked them suppose I couldnt pay it and they told me thats all they could do. But, I begin receiving XXXX from my job around XX/XX/2017 until around XX/XX/2018 when they cut off my XXXX. That caused me not to be able to pay my mortgage in XX/XX/XXXX up until now. The XXXX covered my bills and mortgage every month while it lasted. After my disability was discontinues I called my mortgage company to explain to them what was going on to try to ask for help. They sent me to loss mitigation package and told me to fill out the forms and return. I begin filling the papers out on XX/XX/2018. I did what I was told and returned them via email just like they told me to. I called to check my status and it was strange that they would tell me that one or more of the forms were missing or I didnt sign one or more of the forms. I thought this was a little strange. I always made sure that I returned everything just the way they asked me to and put my loan number on them also. On XX/XX/2018 a young lady by the name of XXXX told me they could not open up the attachments that I sent in the email. I asked her why not and told her that was strange. She couldnt answer me and stated that she would resend the documents that I needed to sign. I called right back to get a fax number and spoke with a young man named XXXX. He gave me XXXX, but I learned that this number was not the correct fax to send the papers to. On XX/XX/2018 I called XXXX XXXX and spoke with a XXXX XXXX. I asked the question once again, why couldnt they open the email, and she stated she didnt know. I told her that was mighty strange. She also stated that she would resend all the paperwork I needed via email, and she did and told me to send it back to her email. I asked her to send it to my daughters email and she did. She stated that they did not receive my hardship letter, the income sheet and one unsigned document. I resent the papers to her email but she never sent anything back stating whether she received the papers or not. So I said to myself she much have received them. On XX/XX/2018 XXXX XXXX called me and I spoke to a young lady named XX/XX/XXXX from XXXX. She stated that they hadnt received the forms that were missing. I told her I sent them on XX/XX/2018 to Mrs. XXXX XXXX email. Mrs. XXXX stated Mrs. XXXX was out of the office today after I inquired to speak with her. We hung up and I called right back because something just didnt seem right. XXXX # XXXX was on the other end and I told her I would call back the next day to speak with XXXX XXXX. On XX/XX/2018, I called XXXX XXXX @ XXXX and spoke with XXXX again. I asked to speak with XXXX XXXX to inquire about my forms that she told me to send to her email. XXXX then stated that they were not supposed to have anything sent to their email. Whitney stated that she herself had received all the information from Mrs. XXXX that morning because Mrs. XXXX got to work earlier than she did ; whatever that meant. Then XXXX put me on hold and when she returned, she gave me 2 email addresses to send my documents to. I thought this was strange also. This has caused so much mental anguish for me. The emails that were given to me were XXXX and XXXX. We hung up. I called right back because I geld as if they were giving me the run around and treating me like I was just a number and not a human. This has caused me so much mental anguish that I can not even sleep or eat. All I wanted was some help and I havent gotten anything. So I called back and XXXX answered the phone and I stated that I needed to speak to XXXX XXXX and then I was put on hold. A young lady by the name of XXXX # XXXX came to the line and stated that she was XXXX XXXX boss. I told her I needed to speak with XXXX but was never allowed to do so. I explained to XXXX how I felt about the whole situation and she begin to get an attitude, I heard it in her voice. I told XXXX about their poor customer service and all I wanted was an apology and she said apology for what? I stated to XXXX that I needed to speak with her boss. I asked her their name and she said XXXX. I said thank you and hung up. I called right back and XXXX XXXX answered the phone and I told her I wanted to speak to XXXX, and I explained to her how I never missed a payment on my mortgage out of 3 years I have been in my house. I said I guess that doesnt mean anything to you all. I heard her say we dont do favors mam. That was a slap in my face. Then she put me on hold and a man named XXXX picked up the phone and stated that he was XXXX counterpart and he wanted me to explain what was going on as if he didnt already know. So, I went along with it and explained to him how his coworkers were coming off as if I was a nobody. He did apologize whether he meant it or not, and told me XXXX was in a meeting and he couldnt speak with me at the moment. I demanded I speak with XXXX and I said I didnt care if it took a whole month to speak with him. XXXX stated that he would resend the papers because they could not open the email. I said to XXXX All of a sudden you all cant open up the email. He said that he tried to open the attachment and it would not allow him to. So he told me to send the forms to his email at XXXX. On XX/XX/2018 my daughter sent the forms back via email to XXXX and later he sent an email stating that he received the forms. He also stated the reason they could not open the email was because my forms did not have my loan account number on them. WOW!!! XX/XX/2018, I received a certified letter in the mail stating that my mortgage is in default and they need to speak with me face to face, and to give them a call to make an appointment. So I called XXXX XXXX on XX/XX/2018 at XXXX and spoke with XXXX . I told her I was calling to set up an appointment so they can speak with me face to face, and she put me hold at XXXX. When she returned, she said that XXXX XXXX will be reaching out to me to schedule a face to face appointment. Keep in mind they are the same one that sent me the certified letter to call them and make an appointment. More mental anguish. On Monday XX/XX/2018, XX/XX/XXXX called me at XXXX, I missed the call and they left me a message and said to please return their call. I called back and the auto messenger said that XXXX XXXX was experiencing high call volume and my wait time was approximately 10 minutes. If I wanted to receive a call back from the next available operator, please leave a call back number and I did. At exactly XXXX minutes later, I received a phone call from the woman who I had been trying to speak with since the XX/XX/XXXX, Miss XXXX XXXXXXXX. WOW!!! No apology or anything, shame!!! Mrs. XXXX stated that no more documents were needed, that my load was sent to an underwriter on the XX/XX/XXXX, and they have 30 days to go to HUD to make a decision on the XX/XX/XXXX and that she will be talking to me on the XX/XX/XXXX. No remorse or telling me that they are trying to help me in any way!! WOW!!! I still have not heard from anyone saying that they are going to help me. I forgot to mention that on XX/XX/2018 they sent another certified letter stating and showing the total I must pay before XX/XX/2018. WOW!! Still no offer to help!!! I feel helpless. All I was asking is for them to give me some assistance and explain to me my options for the situation that Im currently in, and now they are making me feel like I am the villain. Lord help us, PLEASE!!!!! Thank you! | ||||||
| 07/18/2017 | Yes |
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Web | Servicemember |
| I am a military member stationed in XXXX XXXX , who needed to sale my home, due to a renter vacating my home and failing to pay rent for 4 months. I paid for as long as I could, until my savings ran out. During the sale process I believe that XXXX acted in bad faith, in an attempt to draw out the process and incur more fee 's and costs than they would have been entitled to if they had allowed the process to progress properly. XXXX 2017- Called XXXX requested information regarding options for loan modifications : Explained that my renter had not paid since XXXX , and that I was out of savings to make required house payment. XXXX XXXX 2017 : Called XXXX back after renter abandoned property- asked for package to apply for a loan forbearance. Called XXXX again 20 XXXX ,2017 Stating I still had not received the package. They said they would re-send the package Called Back XXXX XXXX when I still did not received the package. Said they would re-send Called Back first week of XXXX was told that they did not think they could send me the package because I was stationed overseas. I countered this supposition with the fact that I was receiving late notice/ collection letters multiple times a week, at the very same APO Address that I was requesting the workout Paperwork be mailed to. They could give no reason why I still had not received the document packages At this time I was given the HOPE hotline contact number + XXXX as a resource that could help me fill out the paperwork. The phone rep again told me they would send out the Forbearance package. XXXX XXXX I called the HOPE line and the person who answered the phone was only taking numbers for someone to call back at a later date/time. When I gave her my contact information, I was told that they could not call me back due to my XXXX location. I asked if they could email me- was told that was not something they could do at this time. XXXX XXXX I called back to XXXX , and explained my ongoing issue with working with XXXX in good faith, and that I had been trying to obtain the Forbearance package, and had for over 1 month been trying to resolve this. I was given the phone number for Loss Mitigation Department. + XXXX . Additionally I was told by the phone representative that to help expedite the process I could fax in the following required information required for the forbearance : Last 30 Days of paystubs, Last 30 days of bank statements from all accounts, A signed and dated hardship letter, Tax returns from previous year, list of monthly debts, and living expenses., and the listing agreement as I had identified that I was listing the house for sale. I was provided the fax Number of + XXXX 10 XXXX : I faxed all documents mentioned 20+ pages to the fax number + XXXX provided by the XXXX phone rep. I received confirmation of a successful transmittal. XXXX XXXX : I called XXXX to confirm receipt of the fax, and to restate that I still had not received the forbearance package. I was told that I had sent the documents to the wrong fax number. I was provided with a new number + XXXX XXXX , and told thats where I needed to fax the documentation to. Again faxed all documentation and received conformation of transmission XXXX XXXX called back to XXXX again asking to confirm receipt of required documents, phone person could not verify receipt of documents sent. I again mentioned I still had not received the Forbearance package. Again was told they would send it out again. Approximately 1 week later I called back to identify that I had accepted an offer on my house with an anticipated closing date of XXXX XXXX , I identified that the offer was sufficient to pay my house in full and had faxed the information to the last fax number provided for the loan modification office. I brought up that I still had yet to receive the requested forbearance package, or notification that the information I had faxed in had been received, but I identified that I was receiving an almost daily stream of demands for payments, and advertisements for the loan modification programs available. I was again told that the operator was requesting that the loan forbearance package would be mailed out. Approximately a week later I received a notice from XXXX that they had executed a property inspection and found that the property vacated and that they would be changing the locks and taking possession of the property to secure their investment. I called them in a panic- Identifying that I had spent thousands of dollars to reconnect the utilities that had been disconnected by the utility company due to my tenant not paying, and that I had ensured the yard had been maintained, and all repairs in the house were underway to facilitate the sale of the home. I also reiterated my frustration that I had been trying to work in good faith with them for over 7 weeks in trying to get the paperwork processed for a loan modification that would carry the loan through the sale of the property, without adversely affecting my credit, or accumulating any additional fees. The first week of XXXX the buyers closing company started requesting a payoff balance to facilitate the closing and transfer of the house. I called several more times asking the status of my forbearance request and to inform that I still had not received the package, or get status of my faxed requests for the forbearance. At no time was the phone representative able to provide any information, or update me to the status of my faxed request. The day of the closing XXXX XXXX -the Title Company still had not received the payoff amount, and after many calls was finally told that they couldnt /wouldnt release the information until I verified the homeowners insurance was in effect. I immediately called the insurance verification company and with the account information, that was verified by XXXX through a 3 way call and faxed the XXXX office- verification of coverage. I requested they immediately send the payoff information so we could execute the closing. They said they would notify the other office that proof of insurance was verified, and that the other department would send the payoff amount. Several hours later at approximately 1800 the payoff amount was received instead of being the {$200000.00} phone quoted during the agent listing inquiry, the amount ended up being {$200000.00} ... Even after verifying insurance was in place they Charged me {$1800.00} for ( FPI ) Force Placed Insurance, at closing, in addition to {$3200.00} in Interest that would have not been due had the Forbearance request been processed properly. XXXX XXXX 2017 In addition to the {$1800.00} of the FPI costs, on XXXX XXXX they paid {$1400.00} in payment to XXXX , my insurance company, from my escrow account for the annual Homeowners Insurance renewal. All other annul Insurance payments had been made in XXXX , but this year they decided to pay the premium, a day after they were aware the home had been sold. | ||||||
| 05/28/2019 | Yes |
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| I am writing this complaint due to issues with our escrow account. After receiving our escrow analysis in the mail from Lakeview Loan Servicing, I reviewed the analysis and noticed an error. They were going to increase my mortgage payment {$350.00} per month to cover the new estimated tax amount. Our original payment amount was {$1400.00} and this new amount would be $ XXXX. Upon talking with my local tax office, I discovered that the incorrect amount was put into our escrow analysis. When logging into the Lakeview Loan Servicing website, in the escrow information it shows 2 different amounts for taxes with 2 different parcel ID numbers. One amount - {$4200.00} is attached to parcel ID XXXX and one amount - {$1900.00} is attached to parcel ID XXXX. MY parcel ID for this home in our county tax department is XXXX. The parcel ID XXXX is the PREVIOUS owners, XXXX XXXX and XXXX XXXX XXXX. So, somehow when the tax information got sent to our mortgage company, they sent both the amounts and attached the parcel numbers incorrectly to each amount. Our taxes for XXXX we're paid in full and correctly and nothing is owed by my husband and I at all. I have no idea why the previous owner 's taxes are on our mortgage account, I don't know if they means she owes the money, or what, but we are not responsible for that amount or that parcel ID whatsoever. The CORRECT amount of {$4200.00} is the only estimated tax amount that should be on our account that will be owed in XXXX, and it should be attached to MY parcel ID XXXX. The amount for {$1900.00} was owed by or paid by the previous owner already and should not be reflected on our account or under anything we owe whatsoever. On XX/XX/XXXX I called our mortgage company to let them know what had happened and was informed to fax over the information from the tax office to prove it and it would be sent to the escrow team to be fixed. On XX/XX/XXXX, I faxed over the documentation to the number provided and received a confirmation that it went through ( I have these documents ). I called the mortgage company on XX/XX/XXXX to check the status of our issue. I was told they were still working on it and to give it another week. I called the mortgage company again on XX/XX/XXXX to check the status, and was told that everything had been received and was being reviewed. I was given a close date of XX/XX/XXXX by the supervisor that I spoke to. She told me that it was set to close on that date and everything should be reflected on the website at that time. At this time, I specifically expressed my concerns for late fees with my payment.I was promised by the supervisor that she would waive any late fees or service charges when the time came to pay the XXXX payment. I waited until XX/XX/XXXX - 2 days after the date I was given that the matter would be closed - to call again and was told that it was still not finished. The supervisor I spoke to told me that she had no idea why it was still being processed because they received all of the documents and all it needed was to be reflected on the account on their website. I was told that it would be sent to the escalation team and I would receive a call in 3 business days with a resolution. I received a confirmation email on XX/XX/XXXX of the escalation with the ticket code XXXX. The email specifically stated that I would receive a follow up call in 3 business days with an update on the situation. I never received a call at all. I called the mortgage company again on XX/XX/XXXX to continue to ask about the status of the situation and all anyone can tell me is that they will request an update and call me back in 24-28 business hours. I never receive a call back. I called again XX/XX/XXXX to let them know I was never called about the update and I again asked for an update on the situation and again am met with no answers and the person on the phone sent in another request for update. I called the mortgage company on XX/XX/XXXX to ask once again about a status update and ask why this matter has not been resolved. I spoke with the supervisor named XXXX. I was told that she would put in for a status update and I would receive a call with an update in 24-48 business hours. At this point, I tell her that I have been told the same thing by numerous other employees with no resolve and she said there was nothing further she can do. I called the mortgage company on XX/XX/XXXX to ask again about a status update. I spoke with a supervisor named XXXX and she told me there was nothing she could do besides put a request in for an update. I told her that I have been told this same thing every week now for a month, and she said that was all she could do. I informed her that I would be contacting the CFPB today if that's all she could tell me. I have sent in the correct documents, and given Lakeview Loan Servicing well over a month of time to get the situation remedied with no prevail. The XXXX mortgage payment is coming up in 4 days and I already have not paid XXXX XXXX payment due to their lack of movement on the situation. I have been told through this entire process that I will not have to pay the payment until the correct monthly payment amount is shown on their end and that I will not accrue any late fees or servicing fees when it is to be paid. I understand that I am being told I will not be charged anything extra until this matter is resolved, but it has been well over a month now and I have been promised things that have fallen through. So, at this point, I am worried that when everything is resolved that I WILL actually be hit with late fees and charges based on what broken promises I've been given for almost 2 months now about the matter. I am worried I'll end up being sent to the credit bureau for late payment, even though I've been told I won't. I have received late fee notices in the mail and when I asked the customer service reps about this when I call they assure me it is only because they are automated, but don't mean anything. It is very hard to trust this with everything else going on and the things I've been told about the matter being resolved. I have called Lakeview Loan Servicing customer service line numerous times and spoken with several different supervisors with no answers. I have not even been told who is handling my request, I have not been able to talk to anyone on the escrow team who is actually reviewing the case as I was told they " do not take phone calls ''. This is very distressing on me and my family. I am requesting the CFPB 's help in getting this matter resolved so that I can pay my monthly mortgage in the correct amount like I have been wanting to do this entire time. I have screen shots of the incorrect information on my account where you can see the incorrect parcel ID number. I have screenshots from my count tax department 's website showing the parcel ID of XXXX belonging to previous owners XXXX XXXX and XXXX XXXX, and my husband and I 's parcel ID of XXXX that belongs to us shows to only owe {$4300.00} in XXXX. Thank you, XXXX XXXX | ||||||
| 04/06/2021 | Yes |
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| My nightmare with XXXX AKA Lakeview Loan Servicing LLC began when I started receiving suspicious payoff emails that did not add up for the payoff amount it was showing in which I questioned. The interest was {$300.00} higher than the amount left on the life of my loan. Who wants to pay more to payoff early? I do not have any prepayment penalties therefore I will wait until I near the end of my loan which is my right to do so. Mysteriously, the website changed after I summitted a XXXX complaint ( Made under the Lakeview name ) that mentions the suspicious payoff emails and now I can no longer view my amortization table which is how I added up the amount of interest in the first place that is left on my loan. It now says " Please see your original loan contract for amortization table '' OK whatever, so Instead of doing a payoff, I decided to make a lump sum payment on my second mortgage is mid XXXX. Weeks went by and the money was never taken out of my bank so I started calling. ( I did use an account that I had not used before for my initial payment ) After hours and day after day of calling and being hung up on someone finally told me that they were unable to pull from my bank for some reason. A few days later, I log into XXXX and payments that had been previously applied somehow, even though money was never transferred were listed under my payment history as " Badcheckreversals '' Once it was clear the funds did not go through, I then resubmitted my 6 payments ( Max aloud on the website ) with a principal only payment included from the bank account I have always used bringing my new due date to XXXX. At this time, my payment was not due until XXXX when I resubmitted the 6 payments on XXXX This is when the scam starts. My 6 payments were then misapplied into 1 payment ( Not the 6 that I made ) with the rest put onto principal. My due date was now showing XX/XX/XXXX I did the math with what they did and also noticed that over {$60.00} was missing which was later applied as an additional payment only after I said something. Now the website was showing a new due date of XX/XX/XXXX which is still incorrect. I needed my 6 payments applied for 6 months for a reason! When I called, I talked to many representatives that claimed each time, that they needed to open a " Request '' to get my payments applied correctly. This has been going on for over a month. Nothing was EVER done from not one of those phone calls even though each one of them assured me that it would. ( This is a delay tactic ) Upon further investigation and suspicion on the motives this company may have and after reading the outrageously high volume of complaints all over that internet, I decided to check my main mortgage account, only to find out that in XXXX when they purchased my loan, they illegally distributed money to themselves from my escrow account! I still have not received any explanation on this matter either. I continue to call day after day, nothing ever gets done about my misapplied payments even though they continue to say that is was being looked into, I then decided it was time to make a complaint to the XXXX Only after this is when I received a response which sounded promising on soon to be action on fixing my misapplied payments. I have been emailing back and forth with someone from Lakeview who said the escalation team at XXXX is working on it and that it will take 5 to 7 days. Ok, so now I wait and wait. Logging into my account constantly waiting for it to be fixed, still nothing. Now on XX/XX/XXXX an entire month later, I log into XXXX and now my due date says XX/XX/XXXX SURPRISE!!!! It is now reflecting as late!!!! I have never missed a payment and have had excellent credit since XXXX!!!! Under my payment history all the misapplied payments are now saying " Misapplications Reversal '' Ok, great right? Nope! Where is my money that I paid?!?!?! Why were my 6 payments not reapplied correctly at the exact same time as the reversals to correct the problem??? I immediately emailed who I am speaking with at Lakeview on XX/XX/XXXX and once again she tells me that the matter is being handled and that I will be notified when it is fixed. ( When, in another month? ) I am already getting ready for the fight with XXXX for the fact that I am pretty positive on the XXXX ( which is when they report to the credit bureau ) that this issue is not going to be resolved and that they are going to wrongfully report me as late even though I am not since they currently have my 6 payments that i made on XX/XX/XXXX. I know myself and many others bust our rear to build credit and even more to maintain it and I will not allow someone to try and destroy my credit based on their own error which is more likely a SCAM to try and steal homes!!! I have read many reviews and they are scary! Some people even mention them sending people to their houses claiming that they are in foreclosure!! When you make your payments on time, this should never happen!!!! Not even by accident!!! So here I am thinking what else can I do to prevent this company from the harm they are trying to create. Are they trying to steal my home that I have busted my rear for that began when I was a single mother!!!! Since I had made 6 payments on XX/XX/XXXX, my actual current due date is not until XX/XX/XXXX but since my issue has not been resolved yet and the website is saying that my payment is due on XX/XX/XXXX, I decided to log into XXXX today XXXX to try and take matters into my own hands by making a 7th payment ( which I should not have to do ) to ensure they will not attempt any WRONFUL REPORTING!!! Or worse, let time go by and start sending me foreclosure letters even though they have my money for 6 payments already!! Wait for it ... .. HERE IS THE KICKER!!!!!! After logging in, I clicked on " make a one time payment '' OK, now it says " The online payment system is currently unavailable '' Excuse me!?!?!?!?!?! what do you mean I can not make a payment!?!?!?!?!?! There is a message that says it is most likely due to having a pending payment, and to check pending payments click on the pending payments tile to view those payments. I clicked on it and guess what?? nothing!!!! The 9th is right around the corner and I am writing this review before hand as proof for what I already see coming. Next I will be contacting the Attorney General and possibly a private attorney if needed. NOBODY should EVER have to spend this much time and energy on a problem that I know can be fixed immediately and they chose to just delay delay delay. They want to hurt your credit, they want to delay action so time can go by and they can attempt to foreclose on you, this is called PREDETORY MORTGAGE SERVICING!!! which is all FRAUD!!! This has caused me so much stress over this past month which is not healthy at all!!! | ||||||
| 07/02/2019 | Yes |
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Web | Older American, Servicemember |
| Formal Complaint to Consumer Financial Protection Bureau XX/XX/XXXX : I applied for a HELOC with XXXX XXXX XXXX ( XXXX ). During the application process XXXX asked me to review my mortgage agreement to see if I needed to obtain written approval from mortgage lender before adding a second lien holder to my home. My mortgage agreement stated I needed written approval from my mortgage lender. XXXX asked me to contact my mortgage company which is Lakeview Loan Servicing/XXXX XXXX and let them know I applied for a HELOC with my XXXX XXXX and I need prior authorization from them to do so as stated in my mortgage agreement. XX/XX/XXXX : I contacted XXXX XXXX customer service department and explained what I needed from them and they informed me that XXXX needed to email a written request and the borrowers authorization letter. Once they received the email, XXXX would sent a receipt email and a ticket number stating that the request would be answered with 1-5 business days. If XXXX needed to call XXXX for any reason they should give customer service the ticket number which was linked to my case file and their request. This way the customer service person could read the file and know whats happening with the case. XX/XX/XXXX : I received an email from senior loan processor XXXX XXXX XXXX from XXXX stating my HELOC application was completed and all they needed to do is to reach out to my mortgage company to receive the authorization to move forward. XX/XX/XXXX : XXXX emailed me to say they emailed the written request and borrowers authorization letter to XXXX. In addition they included, if XXXX needed any other information from them please contact them. XX/XX/XXXX : Ms. XXXX from XXXX contacted XXXX, they confirmed receipt of the XXXX written request and would contact respond to the request with 1-5 business says ( FYI : To date this has not happened ) XX/XX/XXXX : Ms. XXXX contacted XXXX customer service to follow up on the request. She was on the phone with XXXX for XXXX minutes. Even though XXXX gave them the ticket number sent in the email, the cutomer service person could not find the department handling the request. Finally, they told XXXX that XXXX could not give them the authorization they needed. I would have to contact my former mortgage holder who originally issued my loan modification mortgage agreement. XX/XX/XXXX : I contacted XXXX XXXX XXXX XXXX ( formerly known as XXXX XXXX XXXX ), explained the situation to them and they stated although they completed my loan modification in XX/XX/XXXX, they released all servicing rights to Lakeview/XXXX on XX/XX/XXXX. They also put this in writing and emailed a letter to me. XX/XX/XXXX : I phoned XXXX customer service and spoke to XXXX people ( XXXX, XXXX, XXXX ( XXXX ), XXXX and XXXX ( XXXX ). The final person XXXX asked me to email the letter to XXXX from XXXX XXXX XXXX. I emailed the letter to XXXX. I received an acknowledge email & another ticket # XXXX. XX/XX/XXXX XX/XX/XXXX : I called XXXX a dozen times and spoke to at least XXXX different people. Each time I was asked to repeat what I was calling about. I express my frustration and disappointment in the manner in which my request was being handle. One of the last customer service persons I spoke to on XX/XX/XXXX told me that XXXX was not a mortgage company and I needed to contact Lakeview because they were the mortgage holder and the one to give me the authorization. XX/XX/XXXX : I called Lakeview Loan Servicing LLC ( XXXX ), customer service stated that they only do refinancing mortgages. They stated XXXX was their company that serviced all their mortgages and they were responsible for submitting my request to the customer solutions department to receive the authorization. XX/XX/XXXX : I called XXXX back and requested to speak to a account supervisor. They keep me on the phone XXXX minutes trying to connect me to a supervisor. They eventually took my number and said a supervisor would call me back in XXXX minutes. The supervisor returned my call later that evening but I was not able to speak to them. XX/XX/XXXX XX/XX/XXXX : I continued to call XXXX to speak to an account supervisor. On XX/XX/XXXX I spoke to XXXX customer service people XXXX and XXXX. Finally supervisor XXXX XXXX took my call and expressed that everyone up to know was giving me the wrong information and she apologized for that. She told me I needed to put my request in writing and fax it to XXXX, attention customer solutions and I would receive a definite response in 1-2 days. She also stated that I should give XXXX a call on Tuesday, XXXX to confirm receipt of my fax. XX/XX/XXXX : I faxed my written request letter, loan modification agreement and the letter from XXXX XXXX XXXX XXXX to XXXX. XX/XX/XXXX : I called XXXX to confirm receipt of my fax. XXXX XXXX looked up my ticket # XXXX and stated my faxed had not been logged in yet and because faxes were logged in by hand it would take 1-5 business days. She suggested I email my request with supporting documents to XXXX and in XXXX hours I would get a ticket # confirmation and they would be able to forward my request to customer solution much faster for a response. XX/XX/XXXX : I emailed my written request with supporting documentation to XXXX. XX/XX/XXXX : I received an acknowledgement email with another ticket number. XX/XX/XXXX : I received a call from XXXX customer service XXXX XXXX. She stated that they had just received a call from Lakeview and they wanted to know what I needed the HELOC for. She also stated she had the original written request from XXXX XXXX XXXX and was sending all the information to Lakeview to complete the request. By this time I was furious and expressed my anger with XXXX to XXXX. I also informed her that I had contacted XXXX Call for Action to help me, I was filing a complaint with CFPB, filing a formal complaint with the Division of Banks and with the Mass Commission Against Discrimination. XXXX was very apologetic. She stayed on the line with me while she confirmed that she had my written request and all supporting documents including a copy of my loan modification agreement that states I need written authorization from my mortgage holder to have another lien holder added to my property. She told me she was emailing Lakeview back as we spoke and attached all my documents to the email. XXXX stated to me if she did not hear back from Lakeview by Tuesday, XX/XX/XXXX she would call me back herself to give me the update. XX/XX/XXXX : As of today, at XXXX, I have not heard from Lakeveiw /XXXX in regarding my written request for authorization from Lakeview/XXXX to receive a HELOC from XXXX XXXX XXXX XXXX It has been XXXX weeks since my original request was made to Lakeview/XXXX. To date my request has been unanswered and ignored. | ||||||
| 12/31/2019 | Yes |
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| This complaint is about unpaid taxes which are paid through an escrow account managed by my mortgage company Lakeview Loan Servicing , LLC. XX/XX/19 XXXX I called Lakeview about notice I received previous day from the County Treasurers Office regarding unpaid taxes that are due XX/XX/19. I was instructed to submit the notice through online and was told that if the company missed a payment they will pay any penalties. I was told that I would have to call back to inquire about the status that I would not receive an automatic notification the issue was resolved. I submitted the notice online at XXXX. XX/XX/19 XXXX I called XXXX XXXX inquire about status and also inform them that I had received another notice from the school district about additional unpaid taxes, due XX/XX/19. I spoke with a supervisor by the name of XXXX who instructed me to submit the previous notice and the new notice online again, as well as send them to an email address : XXXX. I followed these instructions while still on the phone with XXXX. Again, I was told I would have to call back to check the status. XX/XX/19 I called and spoke with XXXX. I was told the issue was still in process. She did not have an update nor did she have a ticket #. She told me to call back on Monday. XX/XX/19 - I called again and was told there was still no ticket number and no funds had been disbursed to pay the taxes. I was told there was a note to have resolution by XX/XX/19 but I would have to call again to confirm that, no one would contact me to confirm resolution. XX/XX/19 I called again and spoke with XXXX who informed me the tax department had reached out to the county to pay the amount due plus the fee and they are waiting on a response ; she had no notes regarding the unpaid taxes due to the school district. She told me to resubmit to the XXXX and via online account again which I did while still on the phone with her. I requested to speak with a supervisor I was on hold for a supervisor for 25 minutes after which point the call was disconnected. XX/XX/19 I received an additional notice about an additional amount of unpaid taxes due XX/XX/19. I called the school district to inquire about details of unpaid taxes. I was informed that taxes had been paid in XXXX but it was the incorrect amount so the check was returned on XX/XX/19. The school district has had no further communication from Lakeview. XX/XX/19 I submitted new notice from school district about unpaid taxes due XX/XX/19 via online account and to XXXX XX/XX/19 I called Lakeview again and spoke with XXXX. I was informed that the past issues were still being worked on for both county and school district. I informed her of new notice from school district and of my conversation with the school district tax office. She put me on hold to look into the issue. She came back and informed me that the issue would be addressed and any penalties would be the responsibility of the mortgage company. She could not give me a timeframe for resolution. I reminded her the payments were due XX/XX/19. She told me I would have to keep calling to check the status. XX/XX/19 XXXX I called again and was told they are working on it, all the notes from the beginning are in the system. I requested to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. XXXX told me the county tax office refused to speak with them to provide more information. She stated the taxes to both county and school district would be paid by XX/XX/19. She said she would have someone call me when the funds were disbursed. XX/XX/19 XXXX I called again, representative was XXXX . I immediately requested to speak with a supervisor. At XXXX XXXX came back on the line and said no supervisor answered could she have a supervisor call me back? I told her I would prefer to continue holding. At XXXX I was connected to a supervisor by the name of XXXX. XXXX said the only thing she can tell me is it is in process. I requested to speak with someone from the tax department to better understand what the issue was since its been 2 months since my initial call and submission of the documents and the taxes still remain unpaid. I was told I was not able to speaker with the tax department. I requested to speak with someone higher than XXXX. She said her supervisor was not yet in but she would have her call me today. ( Note : as of XX/XX/19 when I am typing this I have not received a single call from Lakeview ) XX/XX/19 I called the school district tax office again, as well as the county tax office. Both informed me that they had not received any verbal or written communication from Lakeview regarding the unpaid taxes. XX/XX/19 XXXX I called again, representative was XXXX . I immediately requested to speak with a supervisor. At XXXX supervisor XXXX answered ( same supervisor I spoke with on XX/XX/19 ). I informed her that we had talked previously and the taxes remain unpaid. I stated the taxes are due on XX/XX/19. XXXX informed me the status was still pending. She said it was noted that it had been escalated. She said they had waiting on a tax certification since the incorrect amount was paid previously. The tax certification had been received. XXXX informed me that a 3rd party distributes the payments and all the necessary documents have been sent to that 3rd party to disburse the funds. She assured me the taxes would be paid by XX/XX/19 and said she would have someone call me to notify me the taxes had been processed. XX/XX/19 XXXX I called again, representative was XXXX XXXX I immediately requested to speak with a supervisor. At XXXX XXXX answered. After I stated this is the 10th call Ive made since XXXX regarding unpaid taxes that are due today and still have not been paid, XXXX placed me on hold so she could look at account. At XXXX it is still showing as open ; waiting for the tax department to respond customer service can reach out to them again and has to wait for their response ; the tax department sends the funds ; I asked how the issue can be escalated and XXXX stated she can send another escalation to the tax department. She told me that I can not speak with the tax department nor can she. Customer service communicates with the tax department via email. I asked if I could be copied on the escalation and was told that I could not be copied on the correspondence. I asked if there is someone higher than XXXX that I could speak with she said any other supervisor will tell me the same thing. I asked for someone above her. She said she would see if someone at a higher management level is available on hold XXXX. At XXXX XXXX came back and said she spoke with management and said they will call me back in 15 minutes after they look into the issue. It has been over two hours now and I have not received a call. | ||||||
| 02/15/2022 | Yes |
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| Their modification, didn't even bring my payment down even {$200.00}. They never offered me any Covid modification when coming out of the forbearance. I was told I could " possibly '' try to get a lien on the property, that they could foreclose or we could short sale, or that I could agree to their " modification '' - which increased my principal balance by over $ XXXX I didn't know to seek help, I didn't know I didn't have to sign it. But they knew. - It says clear as day in the modification " REASON : Maturity date extension ''- NO! I didn't want that! This new principal balance, is more than we paid for the house when we bought it basically brand new! Per the XXXX tax statement, they added {$10000.00} to my principal, from what I owed .... I ARGUED that my payment couldn't go down like that, but they SWORE it ... And they had to get back some money that had been deferred. And told me it's black and white in the modification " principal and interest of {$830.00} '' but it doesn't even mention the words, ESCROW, PMI, or anything, no " actual monthly payment '' - Had I of known they were increasing my principal by over $ XXXX for a change of less than {$200.00} a month I know I wouldn't have gone through with it. -- THEN, our 4 year old central heating and air unit quit working the week before XXXX, and although parts were covered by warranty, labor wasn't covered. We had it repaired 3 times, then the last time they came he said I can't name the problem on the inside unit, I can't diagnose it even, until the outside unit is repaired. - The outside repair labor charges are going to be $ XXXX however that part is on indefinite back order, your unit won't run without the part. ( I have children, one has had XXXXXXXX XXXX all year, and had XXXX XXXX XXXX XXXX XXXX the day before XXXX. - Then got ta love covid, and the low supply of everything.. There were 3 units available within a few hours drive from here, and that new XXXX unit, only cost me $ XXXX. - But less than XXXX a month... It wasn't until 2 weeks ago I realized that when loan care told me my " the monthly payment on your statement will not change until the modification is complete, but you have to pay what the statement says ever month in the mean time, for the modification to be approved '' - I didn't see another choice. Now, I know I was XXXX '' -- Want me to top that off, my power bill has gone UP every month since the unit was installed. I couldn't pay the power bill last month. The new unit has had problem after problem. We are praying they found the actual issue in the new unit 2 weeks ago, and we should know for sure by this coming weekend if the unit is now pulling the expected XXXX XXXX it should be pulling, instead of the XXXX it was pulling. I had to file a credit dispute with someone else to get yall to correct the " original loan amount '' since my credit was reflecting I was utilizing almost 300 % of my credit with you all, and XXXX repeatedly ignored my request to fix it, thank you XXXX Credit Report dispute.. This modification has just put me in an all out Ive had several different issues, with this servicer. Im unsure if these should be completed on different forms or not, we are unsure if they all need to be completed separately, XX/XX/XXXX Harassment by XXXX XXXX about refinancing, claiming no charges, etc. However paperwork stated otherwise. XX/XX/XXXX - Harassment by XXXX XXXX re : false promises about refinancing. XX/XX/XXXX - Harassment by XXXX XXXX re : Refinancing XX/XX/XXXX - Requests to stop, remove me from your mailing list, etc. emailed, XXXX confirmed received. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Harassing emails again from XX/XX/XXXX - I submitted request for Covid related mortgage assistance to Lakeview Loan Servicing. XX/XX/XXXX - I was concerned I had not correctly completed the assistance request form, and I completed and submitted it again. XX/XX/XXXX Email received that request was approved. XX/XX/XXXX - XX/XX/XXXX Multiple small payments continued to be made. XX/XX/XXXX - request for 90 day extension submitted XX/XX/XXXX Completed mortgage assistance application, tax transcript request, proof of income information, Tax payer consent, borrower 's expense statements, & borrower consent. Completed and submitted on this day. Documents emailed to : XXXX XX/XX/XXXX - Submitted mortgage assistance application again online via website d/t no response from when forms were emailed in. XX/XX/XXXX - Received email Forbearance approved - NO RESPONSE YET FOR MORTGAGE ASSISTANCE PACKAGE. XXXX XX/XX/XXXX - requested 150 day extension via email on loan forbearance. XX/XX/XXXX - Mortgage assistance application submitted via email XX/XX/XXXX - Email received - Request approved XXXX XX/XX/XXXX - Mortgage assistance application submitted via email Mortgage assistance application submitted multiple times online on the website, and via email. Phone call received and advised that my options were this modification agreement which lowered my interest rate to 3 %, and decreased my payment to {$830.00}, and would increase my principal balance from {$180000.00} to {$190000.00}. I was advised multiple times that either this or foreclosure or a lien were my only options. I questioned this multiple times, as my original loan balance was only {$190000.00}. - I was told all past due balances, fees, and escrow were being added to current balance, and there was no other option. Forms signed and returned after the 30 day period, with calls to loancare during this time, as I didn't want to agree to this new principal balance, however they advised even this couldn't be guaranteed, and I would lose my house to foreclosure if unable to agree or pay total current past due balance. I was advised there would be a trail payment period of 3 months. Upon receiving first payment information I called and questioned why my payment amount listed was XXXX and not the XXXX. I was advised that my information would not update to the XXXX until the trial payments were completed. XX/XX/XXXX - Received email that Loss mitigation application and pay stubbs and form 4506-c Still required. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - Email sent to complete mailed documents and return. Fees assessed and not refunded during covid forbearance : XX/XX/XXXX - {$41.00} late fee XX/XX/XXXX $ {$41.00} late fee XX/XX/XXXX - {$20.00} inspection fee | ||||||
| 12/04/2019 | Yes |
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| We have valid reasons to believe our home was intentionally undervalued. Additionally, the incorrect threshold was used when determining whether or not we met the LTV ratio for PMI removal. The reason for the appraisal was to have the Property Mortgage Insurance ( PMI ) from our home removed. The lender stated that they hire the appraiser through an outside company, XXXX, which weve discovered is actually not an outside company but rather another company within XXXX. Throughout this situation, weve been given conflicting information and rules seem to continuously change. I am certain that I am not the only home that has been undervalued in effort to keep the PMI. In fact, Ive found several other homeowners whove experienced this same issue. It is not a matter of being unhappy with a fair appraisal report. Our issue is that we do not believe our home was fairly assessed. We believe the appraiser selected comparable homes low in value in order to support a lower appraised value on our home. Weve made several upgrades and improvements to our home since we purchased it in XX/XX/XXXX for $ XXXX. We purchased it brand new with mostly standard features. The only options we selected when we purchased was upgraded cabinets, counters and carpet padding. Since then, weve added the following : - A 192sqft city permitted in-law unit in the backyard ( fully insulated, electricity, plumbing ready, engineered wood flooring, etc ) -Plantation shutters throughout entire house -Engineered Wood flooring covering 1st level and inside in-law unit. -Full backyard landscaping including a built-in BBQ island, fire pit and seating + concrete additions and driveway extension to enable parking a 3rd car. -kitchen upgrades including : marble tile, lighting, farmhouse sink, etc -additional closet shelving, painting throughout - garage painted, professional shelving and epoxy floor These upgrades/additions were pointed out to the appraiser during the appraisal. When asked if he needed the permit for the in-law unit, he said it was not necessary. He did ask had any homes in our subdivision sold recently and I advised him of a home at XXXX XXXX XXXX which is around the corner from us that sold on XX/XX/XXXX for $ XXXX. When we received the report, he labeled the in-law suite as a game room. We believe this was done in order to undermine to value and eliminate it from being considered a substantial improvement. The report states that he could not locate any homes sold within 180days within my subdivision which is false. He was made aware of the comparable home sold on XX/XX/XXXX located 0.2miles from my home. This home is the exact color, model, square footage, bed/bath count, but has a smaller lot by 100sqft. This would be the most comparable home to my property considering the location, similarity, and upgrades. However, he excluded this home and used comps I believe supported a lower value. He ultimately valued my home at $ XXXX making my LTV 77 %. I contacted XXXX to dispute this value and was given 3 options : pay for a new appraisal, pay down the principle, or provide them with a list of upgrades/improvements and XXXX comps. After communicating with a supervisor, XXXX XXXX, she instructed me to send the list of upgrades/improvements and one comp. She emphasized that my upgrades and improvements may not be counted under their guidelines, which does not make sense and Ive discovered is false after reading XXXX XXXX definition of substantial improvements. She stated that my homes value would be determined by surrounding comps. So, I sent the list and the comp at XXXX XXXX XXXX. About 2 to 3 weeks later, the same supervisor called to advise me of the denial again. This time the reason was that the comp provided was considered an outlier home with upgrades and improvements. I replied, how can the comp be excluded because of its upgrades, yet my homes upgrades and improvements were not considered???? She agreed that it made no sense. Ive written countless letters and emails to management, and the most recent correspondence from XXXX mentioned that my upgrades/improvements added no market value due to the inability to find comps with the same features. I've also sent the 6 additional comparable homes, however I have not received a response. The denial letter I received states that the appraisal is no longer valid after XX/XX/XXXX. I believe their failure to respond to my complaints is to prolong this dispute past the deadline. It is my belief that the value of my home was poorly calculated in order to keep my LTV above 75 % in order to keep the PMI. The LTV threshold also should be 80 % or less because Ive made substantial improvements on my home, yet XXXX is using the 75 % LTV. According to XXXX XXXX Guidelines, MI termination requests based on current value with property improvements, have adjusted the loan-to-value ( LTV ) threshold from 75 % or less to 80 % or less with the borrower providing examples of what are considered substantial improvements. Substantial Improvements, as defined by XXXX XXXX, are those that impact the collateral value by improving function, modernizing, enhancing market appeal, and/or extending its useful life. However XXXX has disregarded my upgrades in improvements when determining the LTV threshold. This dispute has been extremely stressful for my family and I. There are hundreds, if not thousands, of complaints with every agency and forum on how XXXX/Lakeview, as other lenders, use their power to create their own rules at the customers expense. They get away with situations, like mines, where requests are denied just because they can do so. XXXX/Lakeview WANTS to keep the customer paying the PMI, so I am not surprised that they will find any reason to deny the request to remove it. XXXX is a XXXX ( the outside company used to contract appraisers ) company. They work together and the appraisers ultimately work for them. My dispute never went to an outside unbiased company. The denial was a biased decision within the very same company. Im contacting the CFPB to hopefully see the unfairness in what this bank and many others continue to show customers. Not only is my home valued poorly, but I believe the 80 % LTV threshold should be used. I know that I am just one of thousands of cases that you come across, but I pray with everything in me that you can help me with this issue. XXXX XXXX & XXXX XXXX | ||||||
| 07/22/2022 | Yes |
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| XXXX is not responding in the consumer finance portal as the resolution that was given to me. I have not received any type of resolution for the submitted complaint. Please respond in this portal of the response and make sure it is addressing the complaint. My next attempt will be with the department of savings and mortgage lending. Lakeview Loan Servicing , LLC is not reporting accurate data. XXXX liens and XXXX liens are not considered XXXX XXXX. This is why the original creditor reported it as XXXX separate liens. Number XXXX you are charging more interest with a higher amount due as of why I have a balance increase data on my credit report because of the XXXX liens combined. The more the balance, the more my payments should be, but my payments are fixed. My payment amount thats geared to my principal balance is not adding up because its more than my principal balance, do you understand the fraudulent reporting? No where is the second lien does it states its a part of my principal balance and you have caused damages to my pursuit to my happiness. Number XXXX Who gave you permission to obtain that document/ data about any of my transactions that you have attached as a response to my complaint? You provided a document where I do not see your company name on it nor did you have my consent. Thats identity theft and unauthorized. So you do not understand what identity theft consist of and what makes transactions and accounts unauthorized. Take Notice per Certified Mail # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my credit reported I see you have reported an account on all three major Consumer Reporting Agencies that I did not give you permission to report, NO PERMISSIBLE PURPOSE, you did not disclose to me that I can opt out of having my information reported, and I am writing you to EXERCISE THAT RIGHT. XXXX : XXXX : XXXX : It is my understanding that the reporting of these account is a violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act XXXX XXXX XXXX ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I am writing in regard to the above-referenced account that was an authorization and approval of a specific extension of credit directly to me ( Mortgage Loan ). According to the Fair Credit Reporting Act 15 USC 1681a 2 ( B ) this account is not included in a consumer report. You have reported this account to my consumer report which is a clear violation of the law. I Demand the deletion of this account from my consumer reports immediately. You are put on notice of the matter and the continuation of reporting this account after you have been put on notice will leave me no choice but to take legal action for willful noncompliance under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601. I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 00 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. ( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Lakeview Loan Servicing , LLC ) did not disclose this information to me that is required by federal law. ( Lakeview Loan Servicing , LLC ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. ( Lakeview Loan Servicing , LLC ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. You are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. 15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. | ||||||
| 08/09/2022 | Yes |
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| I lost my job on XX/XX/XXXX after 20 years and began to budget my finances in an effort to maintain my credit score. In late XXXX, early XXXX, I reached out to my mortgage company, Lakeview XXXX, in an effort to find out what options I would have available to me should I suffer a financial difficulty. I was told by an agent at XXXX, that I did not qualify for any assistance due to how my mortgage was written. I was funded by XXXX XXXX XXXX and pay insurance for this option. Believing that I was on my own, I still managed to make payments on time until XX/XX/XXXX. I became ill and spent a couple of days in and out of the ER and was unable to work for about a week. I quickly became delinquent on multiple bills, with my mortgage being one that stacked up pretty quickly. I became re-employed as a contractor in XX/XX/XXXX, and was hired as Fulltime Permanent in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX, a gentleman would come to my door, ring the bell while recording on his cell phone, and quickly walk away without allowing me to get the door open in time. I called XXXX XXXX XXXX Department and filed 2 complaints with deputies being dispatched. During this time, I was also in a lawsuit proceeding against my homeowners insurance companys refusal to repair my home due to tornadic activity in XX/XX/XXXX. In XX/XX/XXXX, a judgement in my favor was granted, and I contacted Lakeview in an effort to use my insurance funds to pay my mortgage arrears. I was told that I could not do that and I was in foreclosure. It was during this phone call that I was even made aware of foreclosure proceedings, and in fact, their attorneys had sent the gentleman to my home in an effort to verify occupancy. Prior to this phone call, I had received no communication from my loan servicer indicating that I was in foreclosure ; no warning, no letters either by regular USPS nor by overnight mail. It was during THIS phone call, on XX/XX/XXXX, that I was informed that I did qualify for assistance, but since I was now in pre-foreclosure, they werent sure that I would be approved. I applied for loan modification and received communication only indicating that I was to make 3 trial repayments, and then new loan terms would be discussed. Any time I asked for the potential terms to be explained to me, I was told that I would have to wait to find out. In the meanwhile, I found out about the Florida Homeowners Assistance Fund, and applied for consideration on XX/XX/XXXX. I completed my documentation upload to the DEO/HAF, and received word back from XXXX XXXX XXXX XXXX ) on XX/XX/XXXX who at that time, requested information about the state of my mortgage, and asking if I were in a modification at that time. I replied back to her on XX/XX/XXXX, via e-mail, and indicated to her that I was not in a true modification, but was on a trial payment program and would then be considered for modification at the end of the 3rd month ( XX/XX/XXXX ). On XX/XX/XXXX, I received notification from the DEO/Homeowners Assistance Fund , that I had been approved for back mortgage payments in the amount of {$18000.00}, and property insurance assistance in the amount of {$3500.00}, as well as future payments of {$1400.00} ( mortgage ) and {$96.00} ( property insurance ) monthly for an additional 18 months. This amount was different than the amount I had provided to XXXX XXXX in XXXX ; my application amount at that time was just over $ XXXX. I contacted Lakeview XXXX to advise on XX/XX/XXXX, and spoke with XXXX, who told me that in order to allow HAF to pay my arrears, I would have to decline the trial modification, so I did. I called on XX/XX/XXXX and spoke with XXXX XXXX Lakeview XXXX who told me that the trial modification was still in effect. I reiterated my wish to stop the trial payments so that the HAF funds could be accepted for payment. He also told me that there had been no communication from/to HAF and Lakeview. I immediately emailed XXXX as well as XXXX as it appeared that XXXX was out. I included in this email XXXX and XXXX, XXXX, and XXXX with a request for contact from someone who could help. I had previously emailed XXXX with a request for disbursement update, and heard nothing. To date, I have still heard nothing from any of the contacts listed with the exception of an autodialer from Lakeview and a request that I call them. I did so. I found during this conversation, on XX/XX/XXXX, that there was still no communication from HAF, XXXX, or anyone other than me at this time. The conversation on the 5th was with a woman named XXXX in Loss Mitigation who told me that she could see the email I had sent in, but at this time, there was still nothing from the HAF team. Apparently, when HAF is involved, they enter in a record request, but according to the people Ive spoken to at Lakeview, no such record has been created. After that call with Loss Mitigation, I called Lake View again, and was told that the DEO Homeowners Assistance Fund team ( Florida/HAF/XXXX ) must get in contact with Lakeviews internal HAF team ( the first I had heard they had a group, and only told about it because I asked if they had a department for HAF payments-this information was not volunteered ) as they ( HAF/Horne ) have all the contact information they need to discuss my account with the Lakeview HAF department. I again sent emails to XXXX ( the above contacts, and included XXXX and XXXX ), including the aforementioned loss mitigation department, and documents department at Lakeview. Additionally, I included Florida DEO Homeowner Assistance Fund, and once again, XXXX at Florida-Haf. And, yet again, no response. I need to understand what is going on. I am following the directives with all parties, and it seems as though Lakeview is not willing to help me, even when I submitted to them the approved documents from the DEO/HAF , which clearly states amounts past and future. It also appears that XXXX is unwilling to assist, nor is the DEO HAF team of Florida. Please help me. | ||||||
| 01/09/2023 | Yes |
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| This is regarding my mortgage loan with Lakeview LoanXXXX XXXX XXXX XXXX. The following is a timeline of my transaction issues with XXXX and its unethical actions. XX/XX/XXXX - My mortgage was transferred to LoanXXXX mortgage servicing. I received notice from my old loan servicer. Over the next few weeks, I received no communications from LoanXXXX via US mail, email, or phone so I could not set up payments or an online account. XX/XX/XXXX- I called my old loan servicer to obtain LoanCare 's contact information. Then I called LoanXXXX to ask about my account information and request a mailed copy of my monthly statement. XX/XX/XXXX- I received LoanXXXX 's monthly statement in the mail. The same day, I set up an online account, linked it to my checking account, and confirmed it was the correct bank account number. After LoanXXXX pinged my account, I set up a payment to process XXXX bill.I paid XXXX, requesting XXXX to be paid towards the principal. XX/XX/XXXX My online LoanXXXX account shows a payment did not go through, reversal was processed, and I was charged a XXXX Insufficient Funds Fee. I received no notification from LoanXXXX regarding this payment error. XX/XX/XXXX After noticing no funds were withdrawn from my bank account, I checked my XXXX online account. I noticed the payment reversal was made on XX/XX/XXXX. I reviewed the payment information and found the payment was not processed because LoanXXXX internally changed my checking account number ; it was off by XXXX digit. Again the error was created by XXXX, I confirmed my account number was correct on XX/XX/XXXX. So after I reviewed my checking account information on the server and noticed it was wrong. I called customer service and let them know it was an error. This time the payment was processed correctly, and my checking account was charged correctly. XX/XX/XXXX- I made a second payment via my online XXXX account. Because of the previous company errors, I confirmed my bank account was correct. Then over the following week of XX/XX/XXXX checked both LoanXXXX and my banks online statusseveral times to see when the payment would be processed. XX/XX/XXXX XXXX reversed the payment again, and this was not posted until the end of the business day so I did not see it when I logged on earlier that day. I did not check online the next day ( XXXX ) because I was busy. XX/XX/XXXX I received a late payment notice from XXXX via email. I looked online but could not determine what happened. I suspected the checking account number was changed internally again. I tried calling the company to discuss their error, it was Sunday so I could not get through to an operator. I tried navigating the phone tree to leave a message. After entering my loan number and going through the phone tree several times, I was returned to the main menu which asked me to re-enter my loan number. I was stuck in this phone loop for several minutes before giving up. XX/XX/XXXX I called aXXXX XXXX XXXX XXXX it took me XXXX minutes to navigate XXXX phone tree and wait a few more minutes for an operator. After reviewing my account, the operator told me I entered the wrong checking account number. I let the operator know this was an internal error, and already I confirmed the checking account number was correct before payment was sent. The operator said XXXX could not change this informationinternally and I was responsible for the error. I did not agree. I tried explaining I deleted the information and re-entered and verified the correct number before the payment was sent. The operator said I got it wrong. At this point, I felt there was no point arguing or continuing the call, so I hung up. I did not make a payment over the phone because XXXX does not accept or process anydebit cards or other payments over the phone.After the call, I logged onto the LoanXXXX payment center, corrected the bank account number again, and paid the loan againwith the XXXX XXXX fee. I logged off, then logged back onto the server again. After reviewing my entered bank account information, I saw it was changed again. So, I canceled the payment and deleted the bank account information. Then I created a link to a " new '' bank account number, using my corrected bank account information, and set up another payment to process. Conclusion : I hope the XXXX XXXX will process correctly. However, I am afraid XXXX will charge me more interest and fees because of its errors and unethical practices. XXXX previously changed my bank account information and payment details, no less than XXXX times, this was not my doing. I do not trust XXXX will handle future payments correctly. XXXX online interface is not designed to be user-friendly, they use XXXX different servers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both of these servers are difficult to navigate between, and some information, such as bank account numbers are automatically hidden from users immediately after clicking on another field. On XX/XX/XXXX, I took a screenshot with my phone that shows how I first updated my bank account information during my first attempt to pay. When logged back in, my bank account information was wrong again. Therefore, it is something XXXX is doing internally to create errors on accounts, not users. A larger concern is XXXX failure to provide straightforward communication with its clients. After my loan was transferred to XXXX, I received nothing from them regarding my loan. I had to contact my old lender, and then request XXXX send me copies of loan information because was not sent to me in the first place. For XXXX 2023 payment, XXXX waited business XXXX days to process it, then waited another XXXX days to notify mewas reversed. I opted-in for mobile phone notifications and XXXX never attempted to communicate with me via text message. XXXX actions demonstrate predatory lending practices ; the company is unethically profiting by charging interest and fees, such as insufficient funds, for the errors it creates within customer accounts. | ||||||
| 08/06/2020 | Yes |
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| Over the last few month 's I've spend countless hours on the phone trying to resolve and correct an XXXX tax issue on my mortgage account with Lakeview Loan Servicing , LLC. After reviewing my account history of payments due to recent increases in my monthly escrow payment i noticed a double payment for taxes sent to the county in XXXX & XXXX for county taxes. The payment amounts for taxes deducted from my escrow account are listed below. XX/XX/XXXX - {$3300.00} XX/XX/XXXX - {$3300.00} When I contacted Lakeview Loan Servicing about the issue via phone on XX/XX/XXXX they created a ticket to have the account looked at and told me i would receive a response in 48 hours. I never received a response from them within the 48 hours and only received an email days later stating the issue was still being evaluated. On XX/XX/XXXX i called them back again asking for an update and they instructed me they reviewed my account and stated that the payment on XX/XX/XXXX was for XXXX tax year and the XX/XX/XXXX was for XXXX tax year. This was obviously a mistake so I expressed that concern to Lakeview again and they told me I should contact the Revenue Commissioner and verify they didn't owe me a refund. I contacted the XXXX, AL County Tax Commissioners office the same day and asked for payment history for my taxes. They instructed me that they only received one payment from Lakeview XXXX in XXXX of XXXX for the amount of {$3900.00}. The Clerk confirmed that {$1000.00} of the {$3900.00} was XXXX taxes and the remaining balance was to cover XXXX taxes in the amount of {$2800.00}. After learning this I contact Lakeview and provided them with the information along with receipts of the taxes paid the revenue Commissioner provided me. After numerous more calls over the rest of the month with numerous discussion with Lakeview Leaders I received repeated conclusions from them that they had everything correct. On XX/XX/XXXX I contacted Lakeview again and talked to a Senior Member of Management ( XXXX - Employee number XXXX XXXX and discussed the situation with her. She again reviewed the file and told me the problem was with the County Revenue Commissioner and not them. While on the phone with XXXX from Lakieview I asked her to allow me to add the County Commissioners Office to the call and she agreed. A clerk from the County Revenue Commissioners office ( XXXX ) joined the call and the 3 of us discussed the issue. XXXX confirmed that they had only received one payment from them in the amount of {$3900.00} for the XXXX & XXXX taxes mentioned above. XXXX from Lakeview asked her if she had received 2 other checks from them and also provided the check numbers, once again XXXX confirmed that they only had one payment from them in the amount of XXXX. XXXX asked her to provide the details behind that payment and they were provided. XXXX XXXX Cashiers Check in the amount of {$3900.00} which was dated on XXXX and cashed by the county on XX/XX/XXXX. Lakeview didn't even have that payment in their system and had no idea of the transaction. At that point XXXX explained that there was obviously an issue and that she would document everything that was discussed with the myself and the County and she would once again place an escalated ticket with management at Lakeview and someone would call me in 48 hours with results. Ticket number for this was XXXX. On XX/XX/XXXX i received and email from Lakeview saying the request was resolved with no explanation. When i called them back to get details and see if they corrected the issue I received the same story that I had previously received from them over the month that the taxes payments were from XXXX & XXXX for {$3300.00} each year. Once again i explained the whole situation with another leader ( XXXX ) at Lakeview for over an hours on XX/XX/XXXX. After review of the account he agreed with me there was definitely and issue with the account and that he would create another escalation in the system for review and explain the situation in more details and re-word what XXXX had previously submitted. Today XXXX, I again called them and was informed that a note on my account stated the reason behind the double tax payment was due to the fact that we had to pay taxes twice a year. I explained to the customer service rep that wasn't true and asked to talk to a leader again. The leader Mrs. XXXX explained to me that the issue was still under review with no estimate on when it would be reviewed. This has negatively effected my Credit Score due to having a negative escrow balance which was increased the loan balance and was picked up by the Credit Bureau. In addition they have increased my monthly payment for escrow by nearly {$140.00} for the last 6 months and today XXXX, I received an update from them that they would be raising my payment again in XXXX by another {$330.00}. In conclusion, this whole issue could have been resolved if Lakeveiw paid the XXXX taxes that were still due after the closing. They were notified in Late XXXX by me that i received a notice from the Tax Commissioner that we still owed {$400.00} for unpaid taxes on the property when we closed on the house for XXXX. Lakieview received the letter from me that same day via email that the county sent. They instructed me they would handle the issue and I had no further actions. In Late XXXX I was notified from my closing attorney that the taxes fro XXXX had never been paid and that the house was auctioned off for tax sale. I contacted Lakeview on this issue immediately following the call and they said they would handle the taxes and redeem the property and any late fees or penalties would be covered by them. I instructed them this had to be handled quickly because I wasn't able to file for Homestead Exemption. Taxes were never paid until XXXX for the XXXX & XXXX Tax Years. | ||||||
| 09/22/2019 | Yes |
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| XXXX closed out Complaint # XXXX and has NOT provided my reqeust for information regarding the documentation of discrepancies stated within the letter submitted by XXXX representative, Mr. XXXX XXXX, Office of the Customer, dated XX/XX/2019. I contacted Mr. XXXX upo # XXXX upon receipt of this submitted letter on XX/XX/2019 and to date, have not received a response as promised. Attached includes my email following my phone call with Mr. XXXX, supporting documents, and request for XXXX to provide supporting documentation of the wire transfer return to the closing attorney as he claims on the letter he submitted to CFPB the wire was returned on XX/XX/2019 to the closing attorney. 1. XX/XX/2019 : XXXX XXXX ( " Borrower '' ) requested through XXXX website a payoff quote for the above referenced loan and added comment : This property is located at XXXX XXXX XXXX XXXX XXXX NC XXXX and is currently under contract for sale. The scheduled closing date is XX/XX/2019. I am requesting this Payoff Statement through XX/XX/2019 for the payoff quote to be good through 2 business days past the closing date. the attorney for the closing is XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX ; XXXX XXXX, XXXX, NC XXXX Phone : XXXX. Fax : XXXX. Thank you for your assistance. XXXX XXXX XXXX Loan XXXX 2. XX/XX/2019. Lakeview Loan Servicing , LLC Issued a Payoff Statement with Request Date : XX/XX/2019, Issue Date XX/XX/2019 in the amount of {$210000.00}. The total amount is good through XX/XX/2019. Payoff Information incudes ... '' Payoff funds must be sufficient to cover all escrow advances, interest, prepayment penalties principal, and fees. " If additional funds are needed, we will notify you and we must receive funds within two business days. '' ( a ) The closing attorney, XXXX XXXX received this payoff statement via FAX ( b ) Borrower, XXXX XXXX, received this payoff statement via U.S. Postal Service 3. XX/XX/2019 : Property Closing/Settlement. The closing attorney, XXXX XXXX, wired funds to XXXX in the amount of {$210000.00}. The amount per the Payoff Statement issued on XX/XX/2019. 4. XX/XX/2019 : ( 7 days following closing ) The closing attorney, XXXX XXXX, received notification and return of the entire amount of the wire transfer sent on XX/XX/2019 in the amount of {$210000.00} ( see attached notification dated Tue, XX/XX/2019 at XXXX XXXX ). 5. XX/XX/2019 : The closing attorney, XXXX XXXX, and Borrower ( XXXX XXXX ) contacted XXXX via phone to try and resolve the return of the wire transfer. XXXX requested documentation of the return wire via email and stated XXXX would investigate the wire return and contact us within 1-5 business days. ( See attached email from closing attorney dated XX/XX/2019 to XXXX ) 6. XX/XX/2019 : Borrower ( XXXX XXXX ) received new Payoff Statement via U.S. Postal Service on XX/XX/2019. It was upon receipt of this hard copy when Borrower was informed exactly how much the payoff shortage was. This new Payoff Statement had an Issue Date of XX/XX/2019, Payoff Amount that included the shortage with a total due of {$210000.00} but the total amount was only good through XX/XX/2019 ( the same day it was issued but not received by Borrower until XX/XX/2019 ). Borrower and closing attorney would have immediately have paid the shortage had we know the amount due from the Issued XX/XX/2019 Payoff Statement but XXXX refused to accept the amount of {$210000.00} since funds were not provided by the good through date of XX/XX/2019. This was impossible since we had no idea the wire was not accepted until the closing attorney received the return wire from XXXX on XX/XX/2019. 7. I contacted XXXX several times from the time I received the new Payoff Statement ( Issued XX/XX/2019 ) on XX/XX/2019 through XX/XX/2019 without resolution to pay the XX/XX/2019 Payoff in the amount of {$210000.00}. With no other option and to avoid XXXX to continue to charge fees, interest and penalties while trying to resolve this matter, I requested a Payoff on XX/XX/2019 which was issued on XX/XX/2019 in the amount of {$210000.00}. Upon receipt via U.S. Postal Service on XX/XX/2019 of this new Payoff Statement, I contacted XXXX via email on XX/XX/2019 ( see attached email ) advising that a wire transfer in this amount would be sent but I did not agree with this amount while I simultaneously filed a complaint with the CFPB. 8. XX/XX/2019. XXXX issued a notification to Borrower to acknowledge the payoff of the loan. During our phone call today, you advised I would receive a response within 24 hours regarding : 1. Return of Wire Transfer. In your attached letter you stated to CFPB that " Only XX/XX/2019, the payoff funds were reversed and returned to sender ... '' I have included the return wire documentation dated XX/XX/2019. You stated that dates are " manually '' entered into your system and you would need to confirm within your organization. If XXXX insists that funds were wired on XX/XX/2019, kindly reqeust documentation to support the XX/XX/2019 wire return. 2. Your letter states XXXX received the payoff funds on XX/XX/2019. The attached wire return has a date " Originator to Beneficiary Info : XXXX. It appears the funds were wired by the closing attorney as stated on XX/XX/2019 but perhaps you meant to state per the statement terms " Funds received in our office after XXXX EST will be processed the next business day. In this case, would have been XX/XX/2019. Thank you for your assistance in the matter. I look forward to hearing from you as promised tomorrow, XX/XX/2019 in hopes we can bring resolution to this unfortunate matter and close out all complaints filed. If XXXX is unable to respond as promised on XX/XX/2019, kindly reqeust an email as to when XXXX will provide the above requested information and intent to resolve this matter. | ||||||
| 12/10/2023 | Yes |
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| Complaint Regarding Lakeview Loancare - Urgent Assistance Needed Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to submit a formal complaint regarding my distressing experience with Lakeview Loancare in obtaining a mortgage modification and requesting mortgage assistance. The practices employed by Lakeview Loancare have been both harmful and unfair, and I am seeking your assistance in resolving this matter promptly. Until XX/XX/2023, I had diligently maintained a current status on my mortgage payments without any late payments. However, due to unforeseen circumstances such as short-term XXXX and subsequent layoff shortly after returning to work, I found myself unable to keep up with my mortgage payments. This financial hardship compelled me to seek mortgage assistance to alleviate the burden. On XX/XX/2023, I contacted Lakeview Loancare to inquire about the approved modification, which was accompanied by a Promissory Note dated XX/XX/2023. On XX/XX/XXXX, both my mother and I signed the documents in the presence of a notary, who subsequently submitted the documents to Loancare. However, Loancare informed me that the notary had failed to sign a required section within the agreement, necessitating a re-signing. Immediately upon receiving the revised agreement, I contacted Loancare on XX/XX/XXXX to schedule another signing. The second signing took place on XX/XX/XXXX and was successful. Throughout this process, I was the one initiating all communication with XXXX to inquire about the progress of the modification. Approximately two weeks after the second signing, I contacted Loancare to confirm the status of the agreement update. To my dismay, I discovered that the agreement had not been updated as promised. During this call, I also expressed my inability to make the mortgage payments for XXXX and XXXX, and requested another review for a modification. I was informed that I needed to submit another application, which would be sent to my email. On XX/XX/XXXX, I received the application from XXXX with the subject line " Document Request : CID : $ XXXX. '' Every time I have called XXXX to obtain updates on my account, I have been informed that I owe the amount specified in the agreement, as well as the current past-due amount. This brings me to the present day. Unfortunately, I was laid off on XX/XX/2023, shortly after the second signing. In early XXXX, I contacted XXXX to inform them of my financial situation, as my household was now reliant on a single income. During this call, I requested an update on the modification status, only to be told by a XXXX that it had not been updated, without any explanation. The XXXX assured me that she would email the Loss Mitigation department to request an update and investigate the delay. Regrettably, no one from XXXX has reached out to me to provide any resolution or update on the matter. On XX/XX/2023, I called XXXX once again to follow up on both the modification agreement and the application I had sent on XX/XX/XXXX, along with all the available income documents at that time. The representative confirmed that they had received the previous agreement but had failed to update it. Regarding the application for mortgage assistance, they stated that the Statement of Wages and Potential Benefits was insufficient and requested a statement instead. I explained that I do not receive statements but offered to provide a screenshot of the amounts deposited into my account as an alternative. To my disbelief, the representative informed me that the approved modification agreement had not been updated because I was unemployed. I promptly clarified that I do have income, albeit from unemployment benefits, and that the co-borrower is employed and receives social security XXXX. Furthermore, I informed the representative that the completed application included an offer letter for myself as supporting documentation. In the midst of this ongoing ordeal, I have received two notices from an independent field inspector requesting to inspect the property in preparation for foreclosure. Despite my best efforts to save my home, it appears that no one at Lakeview Loancare is genuinely interested in assisting me in this endeavor. No loan processor has attempted to reach out to us, and I have never received any follow-up communication from them regarding my application. The approved partial claim modification amount is {$7700.00}. The amount that is now owed from XX/XX/2023 XXXX 2023 is {$5400.00} Note the initial application for mortgage assistance was submitted on their website and supporting documents were sent, along with the attached documents. Additionally, it is important to address the issue of late payments submitted by Lakeview Loancare Servicing to the XXXX XXXX Tax Assessor. Despite my mortgage being escrowed, which should ensure timely payment of property taxes, the XXXX XXXX 's office has contacted me to collect the delinquent amount. This discrepancy needs to be resolved as part of the fair resolution. Lakeview Loancare should rectify the late payments made to the XXXX XXXX and take necessary steps to ensure that future payments are made promptly and accurately from the escrow account. This will help prevent any further financial burden or potential consequences related to property tax delinquency for me. The actions of Lakeview Loancare have been unjust and discriminatory towards me. I am now considering legal action and will be requesting all communications and contact records I have had with Lakeview Loancare. CFPB, I implore you to intervene and help facilitate a resolution in this matter. Your assistance is crucial in ensuring fair treatment and protecting my rights as a homeowner. Thank you for your attention to this urgent matter. | ||||||
| 08/23/2019 | Yes |
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| XX/XX/XXXX, I started working with XXXX XXXX XXXX XXXX and his assistant XXXX XXXX , XXXX XXXX XXXX ( O ) XXXX XXXX XXXX ( C ) of XXXX XXXX regarding a streamline FHA Refinancing loan with the same mortgage company of the original loan, -XXXX, to refinancing # XXXX, Lakeview/XXXX Loan company. I closed on the refinance loan on XX/XX/19. The problem came in is during this whole refinance process, I was told when I go through a FHA Streamline refinancing, I will not have to pay XX/XX/19 or XX/XX/19 mortgage payment on the original loan and my Refinance mortgage payments will start XX/XX/19. This is when the bad things begin to come to my awareness on XX/XX/19, I was just about to get my airline tickets to go on my 2nd wedding Anniversary, I was told by the XXXX XXXX XXXX Representative, that the luggage charges that I have purchased on the evening of XX/XX/19, tgat appeared to go through that night. She informed me that it was declined. i said to her, No mam, There is over a {$1500.00} in my XXXX checking acct because as you see, I am about to go to XXXX XXXX, NV to go on my Wedding Anniversary and I am to use those funds on my 7 day stay there. '' She informed me it did not go through. I was troubled, so as I was going on the plane, I went online to view my checking acct with XXXX XXXX XXXX ( XXXX ) and the acct was at XXXX. Now, know this. I keep very strict account records of my accounts because I believe in paying my bills on time and saving for things like planned vacations. I begin to review the activity. Thats when I noticed Lakeview had taken the {$2200.00} payment out on XX/XX/19 and as a result my account was in overdraft if {$640.00} or so to make up the total amount of {$2200.00} that Lakeview had withdrawn out of my acct. All I know is the closing on the refinance loan # XXXX from the original loan # XXXX with the same Loan company Lakeview/XXXX occured on XX/XX/19 and I was told that Lakeview would not take out the {$2200.00} payment for XX/XX/19 or XX/XX/19 payment on the original loan and that was it. No one informed me from XXXX XXXX of Lakeview/XXXX Mortgage Loans that you will need to stop the auto drafts if you have any. The situation becomes rediculas when I call, XXXX XXXX XXXX XXXX, XXXX to inform them of the mistake they performed by withdrawing the XX/XX/19 payment of {$2200.00} and they already have rec 'd the payoff of original loan that included the {$2200.00} -XX/XX/19 in it that my lending company had rec 'd from Lakeview/XXXX payoff letter and amount already because the loan had closed on XX/XX/19. The young lady was informed, I was literally on the plan going on my 2nd Wedding Anniversary for 7 days and you all took the funds I was to use on that trip and my XXXX bill money. She went into, you need to send a statement from your banking acct showing the funds was taken out on that day. I asked her why? You already have it on record the acct was taken out with that amount and it was cleared. I tried the whole 7 days even with sending in the bank records with emails from my personal email acct which they claim they never received and eventually thrpugh XXXX along with other documrnts of the closing if the refinance loan showing the date XX/XX/19 the 1st Refinance payment of {$1900.00}. XXXX or so is due on XX/XX/19. I talked to 5 XXXX represenratives and at least 2 Supervisors, my loan officers XXXX XXXX and his assistant, XXXX XXXX from XXXX XXXX sent numerous emails to the people they worked with in the refinancing of my loan with the same company of my original loan Lakeview/XXXX trying to get them to refund that XX/XX/19 payment they were not suppose to take out of my XXXX checking acct, but no one, not XXXX Supervisors putting in a request for the refund or my loan officers talking to their Lakeview account specialusts and Presidents of the dier need that the funds be refunded immediately because # 1, the payoff funds had already been wired to XXXX and rec 'd by XX/XX/XXXX and me the client was not to pay XX/XX/19 or XX/XX/19 payment on the original loan and refinance loan payment was not to start until XX/XX/19. and I was hundred of miles away from home in XXXX area in XXXX XXXX, NV for 7 day trip celebrating 2nd wedding Anniversary but no one cared at Lakeview/XXXX Mortgage company enough to process my refund but yet I was told on XX/XX/XXXX, 7 days later from a phone call # XXXX to XXXX that the notes stated the client will not receive the funds they took out mistakably until 10-20 days from the day the payoff loan for the original loan was processed on XX/XX/XXXX. Now, all of my XXXX bills will also bounce as a result. No help from this company even though I did what they requested. On top of that it is going to come in the form of an escrow check. They totally messed up everything. There was no communication gping on from Lakeview refinancing to XXXX whe was servicing my original mortgage payments. These two departments are the same company. The Refinance Dept failed to report they rec 'd the payoff from the original loan via wire of the amount on the payoff letter on XX/XX/19. My loan officer, XXXX XXXX even called XXXX on Wedn. explaining everything above, along with making emails to their Lakeview acct Specialist they did the Refinance loan with but no one from this company assisted me when I needed it the most. I was 7 days away from home on my 2nd wedding anniversary for God sake but they would not take carevif tge refund that I needed so desperately off a mistake that they did. Tgey kept their crazy policy and was going to process it as an over escro payment that was going to take 20 or more days to receive by check in the mail. Needless to say, my XXXX re occuring monthly bills will also be overdraft and minus. | ||||||
| 07/08/2022 | Yes |
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| Lakeview Loan Servicing , LLC is not reporting accurate data. 1st liens and 2nd liens are not considered ONE lien. This is why the original creditor reported it as 2 separate liens. Number 2. you are charging more interest with a higher amount due as of why I have a balance increase data on my credit report because of the 2 liens combined. The more the balance, the more my payments should be, but my payments are fixed. My payment amount thats geared to my principal balance is not adding up because its more than my principal balance, do you understand the fraudulent reporting? No where is the second lien does it states its a part of my principal balance and you have caused damages to my pursuit to my happiness. Number 3. Who gave you permission to obtain that document/ data about any of my transactions that you have attached as a response to my complaint? You provided a document where I do not see your company name on it nor did you have my consent. Thats identity theft and unauthorized. So you do not understand what identity theft consist of and what makes transactions and accounts unauthorized. Take Notice per Certified Mail # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my credit reported I see you have reported an account on all three major Consumer Reporting Agencies that I did not give you permission to report, NO PERMISSIBLE PURPOSE, you did not disclose to me that I can opt out of having my information reported, and I am writing you to EXERCISE THAT RIGHT. XXXX : XXXX : XXXX : It is my understanding that the reporting of these account is a violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I am writing in regard to the above-referenced account that was an authorization and approval of a specific extension of credit directly to me ( XXXX XXXX ). According to the Fair Credit Reporting Act 15 USC 1681a 2 ( B ) this account is not included in a consumer report. You have reported this account to my consumer report which is a clear violation of the law. I Demand the deletion of this account from my consumer reports immediately. You are put on notice of the matter and the continuation of reporting this account after you have been put on notice will leave me no choice but to take legal action for willful noncompliance under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601. I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 00 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. ( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Lakeview Loan Servicing , LLC ) did not disclose this information to me that is required by federal law. ( Lakeview Loan Servicing , LLC ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. ( Lakeview Loan Servicing , LLC ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. You are in violations of several federal laws you have XXXX calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. 15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, XXXX, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. | ||||||
| 08/31/2021 | Yes |
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| My name is XXXX. I have a USDA Rural Single Family Housing loan that is managed by XXXX XXXX and serviced through Lakeview loan Servicing , LLC. I am filing a complaint against Lakeview Servicing, LLC by XXXX XXXX, as Agent under XXXX XXXX XXXX ( Loan # ). I was impacted by Covid -19 and was approved for the Forbearance. Upon the completion XXXX XX/XX/XXXX XXXX of my Forbearance period, I was contacted by a XXXX XXXX representative in late XX/XX/XXXX, advising of my options to bring my account current. I advised the representative that Yes, I live in my house at said address and I plan on keeping it. They advised me of all the options that are available on the USDA Implements Immediate Measures to Help Rural Residents, Businesses and Communities Affected by COVID-19, listed under section : Post Forbearance Options ( See attached ). I told the rep that I can afford my regular payments of {$1200.00}, and that I would like to add the missed payments onto the back of my loan. She provided details about a loan modification, that would be like Refinancing my home, without providing all the documents. Their Loss Mitigation team would pull my title and provide me with the new loan agreement within 30 days. Also, that this could lower my payments and extend my loan out up to 30 years. I asked her what the fees are, late fees, interest rate, and my principal balance that would be rolled into this. She advised that my principle is {$180000.00}, she didnt see any late fees or fees that would be added, and that current modification rates are at 3.125 %, and I would only have to pay for the advance in escrow ( {$2400.00} ) and homeowners insurance ( {$1300.00} ). I then asked her, if I disagreed with the loan modification package can I go with my original option of adding my missed payments to the end of my current loan. She answered, yes. You will still have your other options. So, I agreed for her to send my account to have the loan modification review. The loan modification came later then the 30-day window, XX/XX/XXXX. To my Horror, they are wanting me to sign that my loan amount would be {$190000.00} for 30 years ( XXXX ), payment will be {$1100.00}, 1st payment due on XX/XX/XXXX. This is more then what I brought that house for in XX/XX/XXXX. The {$190000.00} total includes {$11000.00} that consists of interest, costs and expenses that were added to my principal balance of {$180000.00}. This is crazy!!! No way am I signing this modification. The cover letter states that if this information matches the conversation that was had with the XXXX XXXX rep to sign and return documents within 7 days. This document DOES MATCH what was discussed! I called XXXX XXXX Loss Mitigation and advised that I will not be signing this and that I want to add my missed payments to the back of my loan, and I will send in my payment {$1200.00} on XX/XX/XXXX. This is the new payment calculation provided by Lake View for Annual Escrow Account discloser statement ( documents included ). The loss mitigation rep told me that I have no other option other then to pay {$14000.00} to bring the account current TODAY. I do not have the option to add my missed payments to the end of my loan. I advised her that per the USDA Implements Immediate Measures to Help Rural Residents, Businesses and Communities Affected by COVID-19, listed under section : Post Forbearance Options ( See attached ) that since I live in the home and I can afford the payments that they are to offer me the following : Upon completion of the forbearance, the lender shall work with the borrower to determine if they can resume making regular payments and, if so, either offer an affordable repayment plan or term extension to defer any missed payments to the end of the loan. If the borrower is unable to resume making regular payments, the lender should evaluate the borrower for special relief XXXX measures which includes Term Extensions, Capitalization and Term Extensions, and a Mortgage Recovery Advance. I can afford my payments and willing and able to make the first payment on XX/XX/XXXX in the amount of {$1200.00}. She told me NO! That I Only the modification is available. I told her This is not right!! I want a break down of all the fee included in the {$11.00}, XXXX and it better not include Interest!! Per the USDA Implements Immediate Measures to Help Rural Residents, Businesses and Communities Affected by COVID-19, During the forbearance options outlined above, no accrual of fees, penalties or interest may be charged to the borrower beyond the amounts calculated as if the borrower had made all contractual payments in a timely fashion She told me that this does not apply to me and I have to pay it!! How does 2 years worth of payments, amount to nothing! And you want to charge me Interest that the USDA advises that you are not to do! She said, that they do not have to follow that regardless that my loan in USDA Rural Housing loan. I know that XXXX XXXX is in the wrong. I want to keep my home and I can afford my payments of {$1200.00}. Adding my missed payments ( 12 months worth XXXX to the end of my loan will extend my loan completion from XX/XX/XXXX to XX/XX/XXXX. I refuse to sign a loan modification that adds fees and interests that not only does the USDA Rural Housing states that are not to be added, but that is also makes my home purchase price higher than what I purchased it for in XX/XX/XXXX. They are now trying force me to sign this Loan modification documents against my well and possibly foreclose on my home. Please help! | ||||||
| 12/28/2023 | Yes |
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| I have a mortgage loan through XXXX, which is subserved by Lakeview Loan Servicing. One can not choose his or her mortgage servicer. It came to my attention a few months ago that when completing its XXXX escrow analysis on my new home, this negligent servicer based its projection of property taxes, due in XXXX of each year, on the value of the dirt lot before the house existed. A reputable servicer would have based the tax projection on, at minimum, the appraised value of the house or one comparable in the vicinity. This organization has a duty to engage in reasonable escrow analyses when annually calculating mortgage payments. This was brought to the attention of this servicer on XX/XX/XXXX via complaint submitted to the XXXX XXXX XXXX in which I requested contact by the business after realizing I had a substantial escrow shortfall. They acknowledged receipt of the complaint on XX/XX/XXXX. On XX/XX/XXXX, they sent me an e-mail attaching a document I signed at closing for XXXXXXXX XXXX a completely different entity, indicating property taxes may increase during the second year of homeownership. What Lakeview fails to recognize is that XXXX XXXX properly forecasted property taxes at the time it was my servicer/lender. It is unclear why Lakeview attached a document from an entirely different mortgage servicer when justifying their own negligence. All this accomplished was demonstrate that XXXX XXXX performed a valid escrow analysis. I of course responded immediately and have sent several e-mails to them since, to no avail. Lakeview has consistently failed to address why they negligently performed an escrow analysis in XXXX using the value of a dirt lot when they themselves were in possession of the very document they supplied warning of the property tax increase. Despite numerous e-mails and them failing to timely respond to the XXXX complaint ( which they have currently requested more time on ), they have failed to ( 1 ) have someone in a position of authority contact me to discuss how and why this occurred and ( 2 ) explain how the matter will be resolved. This has been requested numerous times to no avail, with no meaningful contact by anyone from this organization. Because of their failure to properly forecast property taxes, only around {$4000.00} was in the escrow account at the time the tax bill came due in XXXX. The tax bill was over {$100000.00}. Based on their XXXX escrow analysis, just completed, there is now an escrow shortage of over {$8000.00}. This organization now intends to increase my mortgage payment, effective XX/XX/XXXX, from about {$2400.00} per month to over {$3700.00} per month due to their own inability to properly forecast property taxes in XXXX. Naturally, this makes the house unaffordable and is over 50 % higher than I am used to paying. Further research has unveiled hundreds of similar complaints filed against this servicer that currently holds a 2.2-star rating on XXXX based on nearly XXXX customer reviews and a 1.08-star review based on hundreds of reviews submitted by consumers to the XXXX XXXX XXXX. The shocking pattern of escrow complaints and errors is worthy of serious investigation. Some examples of homeowners with escrow issues are as follows : XXXX XXXX : After complaints to the Consumer Financial Protection Bureau citing crippling escrow errors resulting in an increased mortgage payment of nearly {$500.00}, Lakeview finally agreed to credit just half of the shortfall. This person is now working with the Attorney General of Florida and will involve other regulatory agencies to formally address this organization 's pattern of escrow irresponsibility. XXXX XXXX : Cites an over {$900.00} increase in his mortgage payment following transfer to this servicer due to escrow errors. XXXX XXXX : Filed a 2-star review against this company for escrow errors. XXXX XXXX : Failure to properly pay insurance out of escrow, resulting in cancellation of his homeowner 's insurance, and, due to its own errors, Lakeview then charged the homeowner fees for not having homeowner 's insurance. XXXX XXXX : Cites a {$280.00} per month mortgage payment increase stemming from escrow errors XXXX XXXX : Escrow errors XXXX XXXX : Escrow errors and failure to pay resulting in cancellation of homeowner 's insurance XXXX XXXX : Cites numerous increases to her mortgage payment due to escrow analyses performed incorrectly. This person will no longer be paying her mortgage and has contacted an attorney. It will soon be time for me to file a civil suit for negligence, breach of contract, and breach of fiduciary duty, which has a high chance of being certified as a class action. The pattern of reprehensible behavior by this organization evidenced by its failure to properly forecast property taxes on thousands of homes, thousands of resulting complaints from consumers, and dramatic increases to monthly mortgage payments due to escrow errors, is disturbing. The organization does not timely respond, if it responds at all, to information requests, does not contact those who submit inquiries, and shifts the burden of its own negligence onto homeowners by dramatically increasing their monthly payments, resulting in foreclosure. Under no circumstances should a person 's mortgage increase by over 50 % because a servicer did not correctly perform an escrow analysis in the year prior. This is the servicer 's responsibility -- not the homeowner. It is time for accountability. | ||||||
| 09/27/2023 | Yes |
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| My loan XXXX was XXXX XXXX XXXX which was serviced for XXXX XXXX XXXX. XXXX sold my mortgage to XXXX who is subserviced by XXXX in XX/XX/XXXX. Prior to selling my loan XXXX allegedly issued my escrowed annual homeowners insurance payment of {$2000.00} on XX/XX/XXXX to XXXX XXXX XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX saying my insurance premium was past due. I immediately contacted XXXX Customer Service and they informed me it had been paid and it was just a delay due to the loan transferring over. I never received any other notifications from XXXX XXXX, so I assumed it had been taken care of. In XX/XX/XXXX, I called XXXX XXXX to check on the renewal rate of my insurance for the upcoming year and was told by XXXX XXXX my policy had been cancelled as of XX/XX/XXXX for nonpayment. I informed them I had no knowledge of this nor had I received any documentation stating my homeowners insurance had been cancelled and that I needed something from them in writing stating this. She then emailed me the cancellation letter and stated my mortgage company had been notified. I immediately contacted XXXX and they again insisted my insurance had been paid. I went back to XXXX XXXX with this, and they requested a copy of the front and back of the cancelled check or the issued check #, check date, check amount and date it was cashed. Upon speaking with XXXX again, they told me I had to contact XXXX since they issued the check. Upon reaching back out to XXXX again they stated since my loan had been transferred, they no longer had access to my files and what was in the system was very limited, but they would transfer my request to a supervisor. After numerous calls between customer service reps, supervisors, emails and online request, I still have not received the check information. On XX/XX/XXXX I spoke again with XXXX XXXX XXXX XXXX. and spoke with XXXX XXXX, whos company XXXX is outsourced by XXXX. After much digging, she told me that due to the loan being serviced released the funds were sent back to XXXX to be applied to my escrow on XX/XX/XXXX. I asked her to please send that to me in writing, which she did. I then called XXXX and when I was finally able to reach a supervisor, she said that they did not receive the funds and if in fact Rushmore sent the payment, I needed to get a copy of the check or the check #! So again, I called XXXX and again requested the check information and an investigation into this problem. Again, I still dont have the information! On XX/XX/XXXX XXXX XXXX from XXXX Mutual returned my call regarding reinstating or issuing me a new policy, because XXXX from XXXX told me to call them and get an invoice for the premium and they would overnight a check to XXXX. XXXX stated that because of the long lapse they could not issue me any policies. On XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX called me in regards to my request for an investigation. She stated she was calling to let me know they would be conducting XXXX and if they were at fault they would compensate for it. On XX/XX/XXXX XXXX called me with the results of their investigation regarding accountability for my insurance not being paid and stated they were not at fault, and they were putting liability only insurance on the house, and Id be responsible for payment. I requested this information in writing and was told they could not do that. I asked the lady for her supervisor, and she transferred me to XXXX XXXX, who also claimed he couldnt send me any correspondence in reference to the investigation outcome. I then asked for his supervisor, and he stated she wasnt available but had left her a message to call me back. I asked for her name, and he said XXXX. She did call me back, but also stated she could do nothing without the check information from XXXX. I again requested this information from XXXX, but to date have still not received the check information or where the money is from my escrow. I reached out to my previous insurance company, XXXX XXXX to try and get insurance on my house, but they told me because I had a sewage claim with XXXX XXXX in XXXX I am not eligible to get insurance with another company for XXXX years from the date of the claim! I intentionally escrowed my insurance and taxes so I wouldnt have to deal with things like this! XXXX sent me a end of year XXXX XXXX XXXX and my XXXX - XXXX XXXX XXXX, which are LEGAL documents, stating that they paid my homeowners insurance. Those documents were issued AFTER they supposedly sent my insurance payment to XXXX. On top of that XXXX, had no clue that my homeowners insurance was not paid until I called them, which means they never followed up on their paperwork once the transfer went through. Also, XXXX XXXX still had XXXX as the lien holder on my insurance policy, until XXXX changed it in XXXX because of this whole situation. On top of all of thisNO XXXX can tell me WHERE my insurance payment of {$2000.00} is!! The money has just vanished!!! Rushmore cant pull up my records which is unbelievable to me since these are legal documents and you are mandated by XXXX XXXX to keep them. The loan department doesnt talk to the XXXX dept, the escrow dept doesnt talk to the insurance department, its a crazy mad circle!! I need HELP! XXXX and XXXX made this transfer without my knowledge or authorization and now refuse to take accountability for their incompetence!! | ||||||
| 10/26/2023 | Yes |
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| THIS IS NOT A DUPLICATE REQUEST! I am dealing with a loan originated by XXXX XXXX XXXX, XXXX ( Complaint XXXX ) and the " servicer '' is Lakeview Loan Servicing , LLC XXXX and the " sub-servicer '' is XXXX XXXX XXXX XXXX XXXX I did not have the option to include all three in one claim, so there are three complaints dealing with the same home for full transparency. Lakeview Loan Servicing , LLC is suing for foreclosure, and the trial is XX/XX/2023. I have no contract with them, and I have rescinded all " security interest '' to XXXX XXXX XXXX, XXXX, and all parent affiliates, successors, assigns, and transfers. I have sent three qualified written requests to XXXX XXXX XXXX, XXXX to which they sent copies of closing documents I already have. I sent ten qualified written requests to XXXX, the " sub-servicer, '' to which they responded with copies of what I already have from closing. I have sent three qualified written requests to Lakeview Loan Servicing , LLC to which there was no response at all. I have notified all parties at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and Lakeview Loan Servicing , LLC, that I am exercising my right to rescind. Lakeview Loan Servicing , LLC is attempting to foreclose on my home with a trial date of XX/XX/2023. They have not responded to any of my letters or Notices. XXXX XXXX XXXX XXXX represents XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX from that firm responded only to my second Notice of Recission to state that my Recission was rejected with no proof that the disclosures were provided. They outright denied us our rights without explanation, justification, or remorse. We were not provided the disclosures, examples of how to rescind, or that I had the right to rescind at the original closing, nor was I made aware as the " loan '' or the " servicing rights '' were sold to Lakeview Loan and XXXX be either of these companies. According to 12 CFR 1026.23 ( a ), 12 CFR 226.23, and 12 CFR Part 1026.15 ( a ). or the Right to Rescind disclosures from Appendix H-8. Jesinoski v Countrywide 135 S. Ct. 790, 192. TILA gives borrowers an unconditional three-day right to rescind. 15 U.S.C. 1635 ( a ). The three-day rescission period begins upon the consummation of the transaction or the delivery of the required rescission notices and disclosures, whichever occurs later. Required disclosures must be made to each consumer whose ownership interest is or will be subject to the security interest and must include two copies of a notice of the right to rescind. 12 C.F.R. 226.23 ( a ) - ( b ) ( 1 ). If the creditor fails to make the required disclosures or rescission notices, the borrowers right of rescission shall expire three years after the date of consummation of the transaction. Additionally, as stated in : 12 CFR 1026.23 ( h ) Special rules for foreclosures ( 1 ) Right to rescind. After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation, the consumer shall have the right to rescind the transaction if : ( ii ) The creditor did not provide the properly completed appropriate model form in appendix H of this part, or a substantially similar notice of rescission. 12 CFR 223.23 ( h ) Special rules for foreclosures ( 1 ) Right to rescind. After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation, the consumer shall have the right to rescind the transaction if : ( ii ) The creditor did not provide the properly completed appropriate model form in appendix H of this part, or a substantially similar notice of rescission. We were not provided disclosures Title 16 CFR 433.2 Preservation of consumers claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. As part of the Notice I have requested to make a claim on the Errors and Omissions Insurance from XXXX XXXX XXXX XXXX XXXX, XXXX. They have not yet responded to my letter. I will have to mail my submission due to the volume of paper, but I wanted to initiate my claim online to ensure receipt and visibility. | ||||||
| 03/29/2021 | Yes |
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| The Mortgage Servicer, XXXX, inaccurately reported a late on my credit the month after I sold my home. The home was sold in XX/XX/XXXX with the loan balance paid down to {$0.00} XX/XX/XXXX. XXXX reported a 60 day late to my credit report for XX/XX/XXXX. I have spoken with over 10 " customer Service '' and " superviser '' roles over the past month and the issue is still not resolved. This has caused me great burden as I am not able to get a pre-approval to buy a home. I have spent over 10 hours on the phone with them over the last month and XXXX hasn't sent me the letter stating that my account has been current at all times and the credit bureaus need to remove the 60 day late reporting XX/XX/XXXX. Every customer service representative and supervisor spoken with confirms I have always been current and have never been late and they have not resolved the issue despite my efforts for their help in this matter. Here is the account of actions taken> All calls made PST. Persons spoken with in the customer care department : XX/XX/XXXX XXXX. Called at XXXX PST. I told her XXXX XXXX listed a mortgage late. She said that XXXX XXXX does that sometimes but that the late is not on my report. She sees I was never late. XX/XX/XXXX XXXX. Called at XXXX PST. She put me on hold to look into this. The call immediately hung up XX/XX/XXXX XXXX. Called at XXXX, she picked up at XXXX PST. She submitted a request to the credit department to have a letter written for me and faxed to me confirming I my account has always been paid on time. She told me that she can not give me the " credit department 's '' direct phone number to follow up with them and said that " loss mitigation '' contact info is XXXX XXXX XXXX. She said that the letter was to be faxed in 48 - 72HR and confirmed my fax number. XX/XX/XXXX XXXX. XXXX PST. XXXX said the letter was submitted successfully to me. I informed him that I did not receive the letter. He put me on hold to look into it and he ended the call. XX/XX/XXXX XXXX XXXX PST. XXXX said he does see the fax request opened and closed the next day. He said fax with letter was sent around XXXX on XX/XX/XXXX. He transferred me to his supervisor. XX/XX/XXXX XXXX, the supervisor, picks up. XXXX states no letter was sent and that the request for the letter was closed. She said that XXXX can not send me a letter stating that my account has always been paid on time. She said that I needed to submit my credit report through the online portal " contact us '' secure messaging portal. I did so. She said this can take up to 30 days to " dispute '' the late reporting. She sent me the account activity on my loan. This is not suffient with the credit bureaus for the late to be removed from being reported to my credit, per XXXX XXXX. XX/XX/XXXX XXXX PST XXXX XXXX up XXXX. I request to speak with a supervisor. @ XXXX I am transferred to management. I am on hold until XXXX. The supervisor XXXX picks up. I let her know that I need a letter stating that I have always been current and to remove the late reported for XX/XX/XXXX. XXXX said XXXX doesn't provide letters. I requested exception. @ XXXX XXXX said a supervisor is expediting my request to get a letter generated for me via the " consumer solutions '' department. XXXX said she will check XX/XX/XXXX to be sure the request is processed. XX/XX/XXXX XXXX PST. I call and select the " call me back '' option rather than waiting on hold. No call back. @ XXXX PST I call the number again and this time I wait on hold instead of selecting the " request a call back '' option. @ XXXX I am speaking with XXXX , the supervisor. XXXX states that " Since I paid off the loan while it was in forbearance a late was reported ''. She states that the system shows I requested the account be taken out of forbearance XX/XX/XXXX ( a week after the loan was paid down to XXXX balance ). I let her know I did not make such request. She told me she is expediting my request to get the Letter detailing that i have always been current and to remove the late XX/XX/XXXX reported. She informed me I should have this letter by XX/XX/XXXX. XX/XX/XXXX call XXXX PST. XXXX picked up XXXX and transferred to me to " leadership ''. XXXX picks up at XXXX. No resolution. I am told to wait. XX/XX/XXXX Call XXXX XXXX XXXX added note to the credit letter order and told me this is due XX/XX/XXXX. XXXX confirmed all info needed for fax/email/postal mail correspondence of this letter. XX/XX/XXXX Call XXXX PST This call lasted until XXXX PST. XXXX XXXX was the supervisor in the " escalations department '' who handled this call. She stated that the request was NEVER PUT INTO ESCALATION and that she was putting it into escalation now. She re-requested my request for Verification of Mortgage payment history which I was supposed to have received previously. As of this date I have not received the letter necessary to update my credit report with my lender so I am being denied a home loan. Interest rates have risen significantly since this matter began and this has caused me financial hardship, loss of income from not being able to spend this time working that I have spent trying to resolve this matter. I request full action to help resolve this matter and hold XXXX accountable for their lack of ability to perform the basic duties of their jobs. | ||||||
| 05/04/2023 | Yes |
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Web | Servicemember |
| First Issue : We purchased a XXXX property on XX/XX/XXXX with two dwellings on it : a brick ( primary ) dwelling and a mobile home ( accessory dwelling ). Both dwellings were listed for sale together. The sales contract shows that a mobile home is included ; the appraisal shows the same on 3 different pages ; the survey also shows 2 dwellings on the property. {$36000.00} of my current loan was used to pay off the initial loan for the mobile home. The address is different for each dwelling on the property, per county rules and regulations. The homeowners insurance carrier is different for each dwelling because we could not readily find a company that would insure both types of dwelling. Declarations pages for both policies were submitted to the initial lender, with prepayments and initial payments to both insurance companies disclosed separately at closing. At the first policy renewal, the mortgage company paid only the premium for the primary dwelling, citing multiple reasons over time for not adding the second company back to the escrow account. They contend that 1 ) the mobile home insurer was not included in the initial escrow statement and 2 ) there is an address mismatch, even though both dwellings are on one parcel. I have been calling the mortgage company since XX/XX/XXXX, when I first received an escrow account statement and a refund check, and I simultaneously received renewal declarations from primary insurer. I explained that I was confused about why I was receiving a refund, when there was still the other insurer for them to pay. I was advised to send declarations page from the primary insurer to them and send bill from the other insurer to see if it could be included in escrow. On XX/XX/XXXX, I was told that they were looking for the initial disclosure ; they were confirming everything with the mobile home insurer ; initial escrow was done differently ; they will need to add an additional escrow line ; by Friday everything should be updated ; they will also need to run a new analysis ; initial escrow statement is what they go by. On XX/XX/XXXX, another representative told me that the Insurance Department needed to rewrite the policy for the 2 dwellings on one parcel. I got transferred to someone else who asked me to upload what I had showing both addresses on the same parcel. She would transfer me to their Mortgage Customer Service for them to update the address to reflect 1 parcel with 2 addresses. The call dropped after I was transferredNo one called me back ; and when I called again, I was told that they were getting ready to generate a letter to tell me the next steps. I uploaded the Address Assignment documents from the county on XX/XX/XXXX. I called the insurance company again on XX/XX/XXXX. This time I was told that it looked like the mobile home insurer needed to be added ; there was a task open for that already, which was expected to close on XXXX should not have to worry about the mobile home insurer not being paid, and I could call back after XX/XX/XXXX. ( I did not disclose to them that I had already paid the mobile home insurer on XX/XX/XXXX ). I received the first request from the mortgage company in a letter dated XX/XX/XXXX, in which they requested the most recent paid receipt for homeowners insurance declaration page ( uploaded on XX/XX/XXXX and attached ). I have attached proof of both insurance policies being included at closing and in the mortgage breakdown -- including payoff of mobile home ; proof of 2 dwellings on 1 property ( one parcel ) prior to closing ; and information sent to the mortgage company as requested in XX/XX/XXXX correspondence. Second Issue : Besides the mediocre customer service, run-around, and lack of resolution to date, I am appalled at the deplorable service I received when I called the mortgage company on XX/XX/XXXX. I have come to know the routine by now ( after several callssometimes more than one call on a given day when the calls drop and no one calls me back, and being transferred to so many individuals ), so I was shocked when I got transferred to XXXX in the XXXX XXXX XXXX XXXX that she hung up on me around XXXX! This was not a dropped call because I had the opportunity to complete the survey. She simply did not like me asking her if they did not review what I have already uploaded ( she was asking me for documents I had already sent them ). I was not nasty to her, although I will admit that I had raised my voice ( out of frustration ) I did not yell or even get loud Shame on her! Great leaders are way more professional and patient than XXXX was. How can a supervisor or manager ( someone on the Escalation Team, of all places ) behave that way? If I had been blowing my top or using foul language, then I would not have been this shocked and upset. Even if she wanted to lie and say the call dropped, why didnt she call me back, when I had just verified my telephone numberamong other things? If she did not want to help me, she could have transferred me to someone else. I am a paying customer, who has been holding up my end of the bargain by ensuring timely payments are made. The expectation from the insurance company is that they will hire and train professionals who will do their best to resolve issues in a timely mannernot add fuel to fire. | ||||||
| 10/11/2022 | Yes |
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| This all began with constant phone, email, voicemail, and letters from my current mortgage holder ( XXXX/lakeview ) saying as one of their valued prime customers they show i qualified for multiple products and options for lowering/eliminating my private mortgage insurance ( pmi ), had high equity could pull out or just simply refinancing for better rates and better benefits.Initially for weeks i ignored ( XXXX/Lakeview ) but with months of soliciting me and my family as if we had to do this and if we didn't we would be missing out on their opportunity they were offering we finally caved in and asked OK what should we do then. They showed a balance on current loan of approximately {$110000.00}. That they could see there was an appraised value of approximately {$240000.00} on the property we could take out at least {$80000.00} in equity for anything if we needed. My wife and i discussed and again we were not trying or looking to do any type of refinance, equity, etc.but thought maybe was a blessing in disguise we could start an addition for our growing family this could be good. Shortly after wife and i discussed we proceeded with the process to refinance to pull the {$80000.00} in equity. Initially ( XXXX/lakeview ) was very prompt helpful and very eager to help. I submitted all the required documents they were asking, answered all questions and also had asked my own. I explained we weren't in the market and hesitant my wife and i bank somewhere differently and if or when we ever decided to something like this would be with a different bank. ( XXXX/Lakeview ) seemed understanding but stressed with rates rising, having already had 7+yrs relations with them and with the credit score i had should be no problem but would be up to their underwriter. The application process began at this point and was sounding and looking good, friendly phone calls and emails.Starting off with congratulations and good news etc. But then started getting asked racial questions, my race, talking about the weather where my heritage is from as if i live there. Yes i am XXXX XXXX but what does this have to do with anything? Shortly after them asking my nationality every person that was assigned or spoke to, loan officer, loan processor, manager was XXXX? As if i didn't speak English or someone of similar descent would better assigned to me? Then starting getting questions about my wife. She is not and has never been on this particular loan. i received 4 or 5 emails stating to send spouses information.They asked if she would be on the loan i said no, they followed by OK we still need more information as my spouse and as part of my application to show I'm married. I submitted my wife 's info and her photo id like they requested and within hours received an email stating a denial of loan? ( My wife also of XXXX descent ). Attached is the loan application denial and reasons for denial states " poor credit performance with us '' was the reason of denial. I began this loan with ( XXXX/lakeview ) on XX/XX/XXXX and is currently XX/XX/XXXX and have never missed or even been late on a payment.Matter a fact i try to pay usually a week or two prior to due date. I immediately reached out to numerous numbers and emails that had previous conversations with and could not get any response for almost a week and was after i had contacted a main office/number and i explained how i was being ignored then someone finally called back, again almost a week later.It was a loan officer who said he could see it was denied and said it was from lack of income. I asked that's not what the denial form says that it claims " poor credit performance us '' is the reason for denial and he said well its probably from that to even after i explained payments have always been on time and more than the minimum required. He explained there's nothing he could do the underwriter makes the decisions and i asked to speak with the underwriter and was told they have no number to contact i could only speak with a manager. So now was directed to a manager, whom also was oddly was of XXXX descent as well. Explained my situation again, she says the same thing as the loan officer reading off the denial letter and i explained this is not accurate how can i be denied a loan due to " poor credit performance '' when its been 100 % fulfilled? She says well the letter says lack of income also. I'm confused at this point because denial form clearly says denied due to " poor credit performance with us. '' I asked if they could reconsider and look over again that this was not an acceptable reason of denying an already 7yr existing loan that has never missed a payment. She says nothing they could do once the loan is denied its denied. I asked if its the income then why didn't we add my spouses income to the application? She says good question i don't know ill ask the loan officer why they didn't add it to the application. By the end of this process i felt misled, discriminated in multiple ways and tried really hard to reason with this financial institute.They were very eager to help and process in the beginning then no call, no contact, no help. Very offended and don't believe their reasoning for denial was just or right. Even after everything i still tried to reach out for reconsideration and got nowhere. | ||||||
| 05/03/2023 | Yes |
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| XX/XX/XXXX : XXXX XXXX and XXXX XXXX got married XX/XX/XXXX : submitted to XXXX XXXX a copy of marriage license and certificate, XXXX 's new social security card, and driver 's license requested a name update for XXXX to reflect her married name of XXXX XXXX. XX/XX/XXXX : received from XXXX XXXX our loan modification and HUD partial claim document package. terms of modification offer : automatically effective XX/XX/XXXX and due XX/XX/XXXX new maturity date XXXX/XXXX/XXXX interest rate : 3.125 % PITI : XXXX P & I : XXXX required escrow payment of XXXX pre-mod unpaid principal balance : XXXX Delinquent Interest : XXXX escrow advances : XXXX XXXX XXXX advances : XXXX suspense funds cred to interest and/or advances : XXXX post modification unpaid principal balance : XXXX HUD partial claim of XXXX in addition late charge in the amount of XXXX are being waived. original principal amount : XXXX unpaid principal amount : XXXX New principal amount : XXXX total capitalized amount : XXXX XX/XX/XXXX : sent notarized loan modification documents to XXXX XXXX XX/XX/XXXX : mtg statement from XXXX XXXX due XX/XX/XXXX reflecting old mtg information ( loan modification had not been processed by XXXX XXXX at this point ) XX/XX/XXXX recived notice of servicing transfer from lakeview subserviced by XXXX XXXX effective XX/XX/XXXX all payments are to be sent to XXXX XXXX XX/XX/XXXX : received mtg statement due XX/XX/XXXX XXXX and XX/XX/XXXX total amount due of XXXX XX/XX/XXXX received from XXXX XXXX your forbearance has expired XX/XX/XXXX : called XXXX XXXX asking status of my loan XX/XX/XXXX received from XXXX XXXX available loss mitigation options XX/XX/XXXX : called for status of my loan, asking why last name was incorrect and why mtg statement was inaccurate was told loan still not merged fully XX/XX/XXXX : made a telephone payment of XXXX made to XXXX XXXX with partial payment unapplied funds of XXXX for a total of XXXX in reflection of the loan modification agreement. XX/XX/XXXX : called XXXX XXXX for loan status, XXXX XXXX stated they still had not received documents for name change or the loan modification, sent email requesting updated name and attached supporting documents XX/XX/XXXX : received letter from XXXX XXXX that our mtg was behind one or more payments XX/XX/XXXX : called to check status of loan XXXX XXXX stated it had not been fully setup yet and they had not received loan modification documents XX/XX/XXXX contacted fha resource center at XXXX explaining what was happening and asking what I should do XX/XX/XXXX : received mtg statement amount due XXXX XX/XX/XXXX : called to make payment to XXXX XXXX, they could not process my payment because my account wasn't set up and payment wasnt the amount required XX/XX/XXXX : spoke with someone about my loan modification that my payment is XXXX and that is what i am paying, they stated that my account does not reflect that XX/XX/XXXX : account still not updated XX/XX/XXXX : contacted HUD that my loan still wasn't accurate and what can I do XX/XX/XXXX : made payment of XXXX by phone XX/XX/XXXX : received letter from HUD to contact mtg servicer and get help from counseling agency XX/XX/XXXX : called XXXX XXXX explaining the situation with the servicer transfer and my loan modification was awarded during the transfer, XXXX XXXX acknowledged they received my loan mod offer from freedom mtg, and would honor the loan modification, but would need to send new documents with their name, XX/XX/XXXX : received letter that i was in default, XX/XX/XXXX : reived letter from XXXX XXXX, congratulations! we have all the information we currently need to review your fha covid-19 solutions and you have been approved for covid 19 recovery modification in combination with a partial claim. XX/XX/XXXX : have not received documents to sign and loan still not updated XX/XX/XXXX : called and made payment of XXXX because agent said escrow account was adjusted and the difference was for that XX/XX/XXXX : received letter that we are behind by more than one payment XX/XX/XXXX : called in stating still had not received documents to sign and my loan was not updated also made a payment of XXXX XX/XX/XXXX : still had no documents to sign and loan not reflecting any of my payments starting from XX/XX/XXXX, XX/XX/XXXX : called XXXX XXXX asking when i would receive my documents and why hasn't my account been updated to reflect my loan mod and my payments made. was told because they never received my signed documents that my modification offer had expired and could not be awarded, they would not take a payment because it could only be for the outstanding balance. XX/XX/XXXX : loan not updated and amount due XXXX XX/XX/XXXX : received letter from an attorney representing XXXX XXXX and how to apply for a loan modification have contacted XXXX XXXX to resolve numerous times and spent countless hours on the phone with XXXX resolution. every person has a different answer. we were served with papers to respond about our default we reapplied for a modification and were denied because we had a loan modification the year prior that was never acknowledged. | ||||||
| 05/09/2020 | Yes |
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| XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois, XXXX XXXX Dear Bureau In the year XXXX my mortgage, XXXX XXXX Loan # XXXX, sold my home loan to XXXX XXXX/Lake View and was informed by a Welcome Letter that " XXXX will transfer the servicing of my mortgage loan to XXXX XXXX, XXXX effective XXXX XXXX. '' The letter went on and stated " This means that XXXX XXXX, XXXX will perform all services related to the mortgage account loan AFTER XXXX XXXX. '' This letter also stated " ALL PAYMENTS DUE AFTER XXXX XXXX MUST BE SENT TO XXXX XXXX, XXXX. '' CONCERN # 1 With that being said, I, XXXX XXXX, sent my last mortgage payment to XXXX for the XXXX of XX/XX/XXXX and sent my first payment to XXXX XXXX on XX/XX/XXXX for XX/XX/XXXX. When XXXX XXXX received my XX/XX/XXXX payment it was applied to XX/XX/XXXX payment instead of XX/XX/XXXX payment and PUSHED my last payment to XXXX for XX/XX/XXXX payment on a later date to PRINCPLE INSTEAD OF AN ACTUAL PAYMENT and my account remain Negative and left my first payment to XXXX XXXX for XX/XX/XXXX applied to XXXX instead of XXXX. This made my account negative since the XXXX. This made every mortgage payment made and sent to XXXX XXXX applied to the wrong months from the very start of the loan transfer during, after, and still currently. CONCERN # 2 As XXXX XXXX continued to receive monthly mortgage payments each payment was applied to the wrong month, still remains 1 month behind, and still occurring late fees, and penalties. There was a payment by money order sent for a mortgage payment in the amount of {$690.00}. A representative from XXXX XXXX cashed it at their bank, XXXX, XXXX cashed this money order not its entire amount of {$690.00} but rather for XXXX. Leaving only the amount of {$92.00} applied to my account instead of the full amount of the money cashed which was {$690.00}. Please see attachment of money orders and letters from XXXX XXXX company themselves. CONCERN # 3 The above ERRORS by XXXX XXXX has caused my account to be inaccurate and payments misapplied from the very beginning. Despite my attempts since XXXX to correspond with XXXX XXXX, the account remains negative. I have since XXXX have proof of recorded phone lines, emails sent, and certified mail return receipts showing my attempts to get them to fix or even send me information on this matter. Please see attached documents of mailed letters, mailed money orders proofing all payments for the year XXXX, and other letters from me to XXXX XXXX and their representatives. CONCERN # 4 My biggest concern is that now that my loan has been managed improperly going into the Forbearance. This will affect my loan currently and in the future. I also dispute this company for not offering me a REPAYMENT PLAN as I requested due to Covid-19 and this repayment plan would allow the monthly payments to be added at the end of my loan. I sent them my hardship letter explaining my business has been shut down and the forbearance is misleading help due to the plan requiring you to pay all payments at the end of the forbearance term date. XXXX XXXX, states that XXXX XXXX and XXXX XXXX do not require them to offer a plan that works with my current situation at this time. This is not fair & economic relief for me the home owner during Covid-19 and the state and federal governments making it illegal for me to operate my business to regain the financial relief to pay for my home loan. XXXX XXXX continue to ignore the mounting issues with the loan since XXXX on my account and my hardship during this Covid-19. CONCERN # 5 XXXX XXXX has disregarded my loan account and has failed to resolved this issue since XXXX. XXXX XXXX, states to mail, email, and or call them. I have done all three and still do not get any help or fixed. The only representative you will ever talk with is a Customer Service rep in which transfers you to a so called Supervisor at which the Supervisor says they put in an ESCALATION ORDER and states I will be contacted. I have never been contacted on this matter despite my very hard and mental frustration on getting this resolved. I have asked XXXX XXXX who is the chain of command after the customer service rep and after the so called Supervisor. They tell me there is no one I can speak with. I also received a letter stating that I would receive a mortgage resolution Advocate named XXXX XXXX. I have emailed this advocate about all these issues and still have gotten no reply. I have also called the purchase loan supervisor at XXXX and when calling it says leave a message or transfer you and then hangs up and doesn't allow you to leave a message nor can you email this loan supervisor. I have been disregarded and feel due to XXXX XXXX actions are trying to benefit and purposely mismanaged my account to their gain. Its been since XXXX. I also believe that now going thru this hardship & forbearance with an account that is negative due to XXXX XXXX lack of managing it and applying the payments to the wrong months since the transfer and it now being XXXX shows how XXXX XXXX has purposely caused and wants to gain from this situation. I need help!. XXXX XXXX | ||||||
| 10/20/2020 | Yes |
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Web | Older American, Servicemember |
| I filed chapter XXXX bankruptcy since XX/XX/XXXX. The Bankruptcy was discharged XX/XX/XXXX. I talked to Lake view Loan Services about doing a Modification. I completed my Forbearance ( 3 months ) and was told by my Loss Mitigation Processor that I was approved for the Modification. I thought that since my Bankruptcy was discharge in XXXX that they would complete the Modification. I asked the Bankruptcy Processor why did they still have my account in their Bankruptcy Dept. and she stated that they was showing that the Bankruptcy was still active. I talked to my Attorney and she stated that the XXXX was active because XXXX XXXX owed me {$6000.00} and it was in settlement and needed to be resolve. I had no idea why that affected my Mortgage Modification Loan. I asked the Loss Mitigation Processor if I should make payments and she stated that was ok and the monies would go into a Trust Account. I started making the full payments of {$1500.00} for three forbearance payments which I completed. I was than approved for a Modification by Loss Mitigation. I made the full PItI Payment of {$3000.00} per month. The Bankruptcy was not close due to outstanding monies owed to me by XXXX XXXX. Lake view stated that the Modification had to be approved by the Court and it would take several months. I question the time frame. I Paid the Mortgage Payment from XX/XX/XXXX to now. I tried to access my Mortgage Account, but could not access the account, so I talked to the Bankruptcy Dept. at the Lake view Services and the process stated that the Bankruptcy is still active and they could not close the account. They also stated that the Modification had to be approved by the Bankruptcy Court. I asked her how long that would take and she said that would take three to six months and I could make payments. That time frame seem along time? XX/XX/XXXX I was informed that the Bankruptcy was closed. I contacted the Lake view Servicing and what was the status of my Mortgage. Keep in mind this process including the Bankruptcy took over one and half years to conclude. The Lake view Servicing Bankruptcy Department advised me that the Modification was canceled and I have {$39000.00} in Trust. I asked them why was I not informed of my Modification and why was they have me make payments when my account was in limbo. I stated no one called me about anything. Lake view Servicing stated that the Bankruptcy Court did not approve the modification. I stated that every time I called I asked for the Status of my Modification and the processor stated they are trying to get the Bankruptcy Judge to approve the Modification, the processor lied to me each time I called. The Processor stated that our modification is closed and we would have to start the forbearance all over again?? They say we have {$39000.00} sitting in Trust. I question why they did not explain the situation with our mortgage and now we have to start all over again. My problem is that this Company is not forth right is explaining the situation with your loan. We had some problems however we have kept the payments up on our Mortgage which is {$3000.00}. We do not appreciation the manner in which the Bankruptcy and loss mitigation has handle our account and talked to us. We call the Bankruptcy Department on XX/XX/XXXX and tried to talk with a Supervisor and was left on the phone for 30+ minutes. This is a mess and does not have to be if these people were honest and forth right. We received notification from the XXXX XXXX XXXX that the property tax is in default. My account is in a mess and should not be. Every time I called and ask about the status on our account whoever I talked to lied to me and did not know what was going on my account and did not care. I tried to talk to a Supervisor and could not get anyone, I was place on hold for 45 minutes to an hour with no luck, no one was available to talk to me, I asked about Notice of default, even though I made my monthly payments each month ( {$3000.00} ) even though my modification was in limbo and I was not required to make a payment until the modification was fully approved. This was really poor service, misleading by the staff of this servicing company. I need to clear up my Mortgage. They have {$39000.00} in Trust, my taxes are in default even though the insurance and property taxes are impounded. I have not missed a payment since XX/XX/XXXX. There is no reason my account should be in jeopardy. I following the guidelines for Forbearance and Modification, If the Bankruptcy was an Insurance the staff should have explained the situation. This is really bad and this Company should be made to bring my account update and the staff reprimanded. Please review my account and lets get a Modification done and apply the outstanding monies. I followed the guidelines to get my account up to date. I have made timely payments even though they are not applied to the account ( Trust Account ) Please review and help me with this violation by Lakeview Servicing Company. | ||||||
| 07/28/2021 | Yes |
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| in XXXX I purchased home, financed by XXXX XXXX. As such, I was able to receive hazard insurance because of their connection for under {$500.00} a year for full coverage on my home. I never had any intention of changing this insurance carrier, nor did I have any intention in refinancing my mortgage. I received numerous calls from XXXX, almost to the point of harassment, telling me I qualified for an FHA Streamline refinance program. I declined numerous times, until I felt required to proceed with this. During this process, XXXX/LakeView Loan Servicing advised that they would handle everything " in house '' and there would be no changes to my mortgage except for a lower interest rate that will cause my payment to decrease. On XX/XX/XXXX, LakeView Loan Servicing , LLC committed an ERROR by boarding my loan incorrectly in their system, causing my homeowner 's insurance to not be paid. My homeowner 's insurance company formally known as XXXX ( now XXXX ) sent over four letters requesting payment, and still, no one at this company batted an eye and allowed my insurance to go unpaid, but had the complete ability to purchase lender placed insurance on my home. During this period, I did not receive any insurance warning letters. I did not get the opportunity of 45 days before lender placed insurance was added to look into the issue. I never received a phone call or email. XXXX/LakeView Loan Servicing did NOT make good faith effort to correct their mistake or communicate with myself about the issue going on with my mortgage that they " service ''. Completely unaware, they paid {$1300.00} for a lender placed policy from XXXX, when my previous policy was under {$500.00}. This continued for over a year with no communication from XXXX/LakeView. On XX/XX/XXXX they renewed the lender placed policy for XX/XX/XXXX - XX/XX/XXXX for {$1300.00}. At this time, I received an email showing lender placed insurance was paid. I was immediately alarmed and called 4 times with no one able to answer what happened with my previous insurance, nor when the warning letters were sent. I still have not received a copy of these letters. At this time, they tell me getting new insurance is my only option. Numerous days/weeks of phone calls later and not a single response on what happened, I contacted my old insurance carrier ( XXXX ) to rewrite my original policy because of the mortgage servicer 's ERROR. I was advised they CAN NOT give me the same rate because my account is flagged as cancelled due to non payment and has been this way for 2 years. They transferred me to XXXX XXXX XXXX XXXX XXXX, who wrote a policy that gives me less coverage and can and will affect my family BECAUSE IT IS ALL I CAN AFFORD. The new policy is now {$1300.00} when it used to be under {$500.00} A YEAR!!!!!! This is now being calculated in my mortgage payment and has caused an increase of over {$200.00} a month. I am now behind on my mortgage payment and receiving late fees and negative credit reporting because of this issue. I require LakeView to own up to their ERROR and explain to me how I am supposed to pay a higher mortgage payment because they erroneously boarded my account, causing my insurance to not be paid and now cost me {$1300.00} rather than {$500.00}. WHO IS GOING TO COVER THIS EXPENSE FOR THE NEXT 30 YEARS!!!! this mistake is costing ME!!! when they made an error, they have now admitted to. The difference between my old insurance BEFORE LAKEVIEW CANCELLED IT BECAUSE OF THEIR MISTAKE was under {$500.00}, now it is {$1300.00} because NO ONE WILL INSURE ME AFTER THE LAPSE/CANCELLATION BECAUSE OF XXXX/LAKEVIEWS MISTAKE. The difference is over {$820.00} a year ... resulting in {$24000.00} for the life of the loan.. if not more. Is Lakeview going to cover this expense.. because it is their fault I am now unable to have my original policy in place. Also, is LakeView going to cover my increased mortgage payment that I am UNABLE to pay because it increased to THEIR ERROR? I have attempted to get in contact with XXXX XXXX and XXXX working in the Customer Care department who refuse to return my call to discuss this. I have also attempted to call the general department who states they are closed everyday during all hours. They make no effort to speak with homeowner 's who need assistance with THEIR MISTAKES. This company has caused my stress, financial hardship, lost hours of work during numerous phone calls. At this point, if they are not willing to own up to their mistake and see how they are costing me over the life of my loan, I will have to seek further legal assistance. I DEMAND to hear from a REAL PERSON that can actually look in to my account and discuss with my now you plan on fixing your error. Not just providing a refund for erroneous lender placed insurance, but also how you're going to cover or fix my increased mortgage payment and the difference in my homeowner 's insurance payment YOU CAUSED | ||||||
| 10/02/2022 | Yes |
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| Lakeview XXXX XXXX has AGAIN reversed my loan modification. My account says I owe XXXX due XX/XX/XXXX. It has been 10 MONTHS of calling 2-3 times a month with no resolution, and all resolutions being reversed. I thought everything was resolved and looked good. Then they reversed the modification AGAIN on XX/XX/XXXX. This is absolutely ridiculous. I have made every single payment. I signed a loan modification ONE YEAR AGO. Also, I was told that mortgage companies should NOT be taking payments when a loan modification is in process. Yet Lakeview XXXX XXXX has been taking payments from me every month since XX/XX/XXXX. I am at a loss. I have done everything correctly and as I have been told. I need this resolved. ORIGINAL COMPLAINT COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX " I applied for a mortgage forbearance with XXXX XXXX effective XX/XX/XXXX I opted to extend it for a year total. I opted for a Loan Modification, it took time for them to send the paperwork and schedule a notary, modification was official in XX/XX/XXXX and XXXX Mortgage told me to make payments while it was being processed. I made payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During this time the modification was not officially implemented. I called every month to check in with everything and make my payments. I made the exact payment they told me to make over the phone. In XX/XX/XXXX I receive notification my loan is being sold to Lakeview XXXX XXXX. Lakeview XXXX XXXX tells me I need to make payments while the paperwork is processed. I call 1-3 times a month checking on it and making the monthly payments they told me to make. The modification is not processed until XX/XX/XXXX. I made every monthly payment during this time. I called every month to escalate getting my modification processed. In XX/XX/XXXX Lakeview XXXX XXXX says I owe an overdue balance of {$3000.00}. I call and tell them this must be an error because I have made every monthly payment. I called twice a month from XXXX - XXXX. They said they were working on the error and escalating the issue. I make every monthly payment during this time. Then in XX/XX/XXXX they report me as delinquent to the credit agencies and this destroys my credit. It was above 800 and now is around 650. I call again and again and they said they can't tell me what they issue is and are continuing to escalate the issue. I had a few times where they promised to call me back when they had more info, and they never did. I keep calling and making my monthly payment and asking on more info on the issue. I call again in early XXXX to push the situation further because my credit score still shows as delinquent, even though I am making every monthly payment. I reach someone in the customer service department that researches these sorts of things. They tell me that XXXX XXXX applied 2 payments I made at the end of XXXX into " unapplied funds '' instead of applying it to a payment. This is the first time I have ever heard of " unapplied funds '', when I made the payments with XXXX XXXX over the phone they said it was being applied to the payments. So those came over to Lakeview XXXX XXXX as unpaid months. He tells me there is nothing that can be done to correct this and I have to pay the overdue balance to make my account current. I empty my savings to pay this overdue balance as I want it corrected with the credit agencies. I now think this nightmare is over. Then I receive a letter XX/XX/XXXX from Lakeview XXXX XXXX that my account is past due. I check online and the entire loan modification has been reverted back to the old interest rate and with around {$20000.00} due. I call Lakeview XXXX XXXX immediately. They tell me there was an error with my modification but can not tell me what the error is. They said they need to reach out to XXXX XXXX and re-do the whole modification. I push them that this needs to be resolved. I ask about the {$3000.00} I paid in XXXX, that was on top of my monthly payment that I also paid, and they said that will be put in " unapplied funds '' and put towards the principal. At this point I am absolutely furious. I emptied my savings to pay this to get my account corrected and credit score corrected. I tell them that they MUST apply this to either future payments or refund the amount. They note that is my account but say they can not guarantee it. They say I shouldn't make my XX/XX/XXXX payment as it will likely end up in " unapplied funds ''. And that I need to wait. But they have been telling me this for 8 months, they tell me over and over that it will be processed in 10 days but it's been months at this point. This has been 8 months of XXXX, and almost a year if you count in XXXX XXXX as well. I signed my modification and have made every single payment to both companies. I even paid the XXXX XXXX overdue balance that wasn't an actual overdue balance. '' | ||||||
| 09/17/2019 | Yes |
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| So in XX/XX/2019 I was contacted by XXXX XXXX from Lakeview loan Servicing , LLC. Telling me that since I have been a good paying customer and haven't received a late fee I would be able to get a Streamline FHA Loan and they would be able to lower my Rate by ad least a point which will lower my month bill. So I thought to myself great what do you need from me. So the lengthy process began of submitting all the paperwork required. Which I did. Then I was told that I had a new Loan officer that would be handling my Streamline refinance by name of XXXX XXXX. So I had lots of questions about the streamline Process and tried on several occasions to ask XXXX about the process and she was always very short with me So I pointed out to her that I was the customer and how I would appreciate it if we would be nicer about the fact of my questions. So let that be over the past 1-2 months I lost contact with XXXX trying to call her direct line and sending her several emails with no reply. I was asking for her details about the loan status and when we would be able to go to closing ... .. Finanlly I received a call back from XXXX XXXX which to my understanding is a SR. Loan Processor with Lakeview Loan Servicing telling me that she was away from the office for about 3-4 weeks and apologized stating the loan is just waiting final approval. So finally after 2 months I received other documents and was notified by email that I would be going to close on XX/XX/2019 and that I should not make the payment for XXXX like I normally due but make a cashier 's check for {$1900.00} due at close and then I would not have to make another payment until XX/XX/2019 and that a notary would come to my house around XXXX. FYI my house payment is considered late after the XXXX of the month which I was uncomfortable with since I was being told to not pay my normal monthly bill but to make a cashiers check. now between this time I received document that I needed to sign yet there were several discrepancies for example the " Tangible Net Benefit Disclosure '' given to me on XX/XX/2019 Stated that my Existing loan was0 {$230000.00} which was correct at the time but the " total Monthly MTG. Obligation '' was XXXX which was incorrect since my monthly payment amount that I was obligated to pay was {$2000.00} So I talked to XXXX XXXX and explained my dismay she stated per my email that this was my HOA fee of {$38.00} a month which was factored in but I explained to her that my HOA fee is {$50.00} a month but I pay that she explained that the loan has to factor in the HOA fees and that the " Tangible Net Benefit Disclosure was just an estimate and that I would receive the CD that would have the correct rates I also asked her why the new loan amount states {$230000.00} when the existing one is only XXXX she said that is normal to avoid having to pay a closing cost when I go to close. but then I explained to her that based on the info I looked up on the FHA website and correct me if I'm wrong stated I would not have to pay any closing costs but during closing may have to make a cashiers check for my normal monthly bill then she explained per email stating that on XX/XX/2019 when I close I would need to get a cashiers check for {$1900.00} but to wait to receive the CD to obtain the finalized check. So finally the day before close ( XX/XX/2019 ) I received new documents titled " LE/CD Change of Circumstance '' Telling me that the new loan amount has changed from {$230000.00} to XXXX stating " Due to funds needed for closing '' So I called XXXX asking why I received this? she explained to me over the phone that this was needed to avoid having to pay a higher closing cost and it was for the interested accumulated?? which then I replied back stating that on the Loan Estimate it now states that the " Estimated Cash to Close '' is {$2300.00} which I was very concerned about since she had told me I would need around {$1900.00} but now based on the estimate I would have to come up with even more money up front than my normal existing monthly loan payment of XXXX XXXX assured me that this is only an estimate and that when I receive the actual CD the rates will be corrected and I wouldn't have to pay anything at close nothing higher than my existing monthly payment amount. and she explained that now she has scheduled me to close onXX/XX/2019 at XXXX as long as all document that needed to be signed were signed. So I told her that I would sign these documents waiting to see if the CD show the correct information. She stated it will. This is where I'm at currently XX/XX/2019 XXXX XXXX Central time. My Name : XXXX XXXX XXXX Contact Phone Number is XXXX My Loan Number is XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Lakeview Loan Servicing , LLC. XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX | ||||||
| 10/06/2020 | Yes |
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| At the beginning of the year we filed loss mitigation paperwork for assistance. I lost my high paying job the year before and we were having trouble staying current on our mortgage. I was able to find another job but it did not pay nearly as much as the job I had when we first bought our home. I then lost that job as well so we decided we needed help. In the paperwork, they requested pay stubs for the last month of which we provided including the job I lost noting in the paperwork that I had lost that job. The directions did not say to provide paystubs for jobs we currently hold. XXXX came back and offered us a repayment plan with a payment twice as much as our current payment. When we called and asked how we were supposed to pay that, they told us they used all of our income ( paystubs for both jobs- including the one that was lost ) to make the determination and that we could file an appeal. In the meantime, we were able to bring our loan current again knowing that this lengthy process would continue to default our loan which we did not want. We did file an appeal but didn't hear anything back before Covid took the world over and we ended up needing to ask for a forbearance. When inquiring about the terms of a forbearance, we were told that we would be able to ask for a loan modification at any time during the forbearance period and make arrangements to get our loan current again. After finding out that our schools would be re-opening with virtual schooling and knowing that we have a family of high risk people, we weren't going to be able to replace this job while also schooling a child at home and contacted XXXX to begin the loan modification process during our forbearance. Our loan was current as of XXXX and our forbearance began. XX/XX/2020 : Mailed paperwork requesting loan modification. Certified return receipt confirms receipt by XXXX XX/XX/2020. XX/XX/2020 : Attempt to contact XXXX to follow up on paperwork. While holding, the line disconnects. Left name and number to be called back but no one called back. XX/XX/2020 : Attempt to contact XXXX to follow up on paperwork. While holding, the line disconnects. Left name and number to be called back but no one called back. XX/XX/2020 : Attempt to contact XXXX to follow up on paperwork. While holding, the line disconnects. Left name and number to be called back but no one called back. XX/XX/2020 : Reached an agent who told us our paperwork was never processed due to the forbearance on our account. They would remove the forbearance and then process our paperwork. We are now 4 months behind on our mortgage when we applied for a loan modification at two months behind. XX/XX/2020 : Received email requesting supporting documents for our application. Called XXXX and told them we sent this paperwork with the application. They said they needed current documents as our original application expired. We resent paperwork again. XX/XX/2020 : Received another email requesting supporting documents for our application. We resent everything fresh. XX/XX/2020 : Received another email requesting the same documents again. Replied that we have sent this information four times and still are not receving help and just getting automated emails. Further, we can't reliably get through when we call and when they call us, it's a recording to call them back which doesn't work since we can't get through reliably. We dealt with this while in the hospital for the birth of our child. XX/XX/2020 : Attempt to contact XXXX to follow up on paperwork. While holding, the line disconnects. Left name and number to be called back but no one called back. XX/XX/2020 : Attempt to contact XXXX to follow up on paperwork. While holding, the line disconnects. Left name and number to be called back but no one called back. XX/XX/2020 : Spoke to XXXX who said the hold up was that our back statements only list one name. Clarified we only have one checking account. **Now 5 months past due on our loan AND due to the removed forbearance, XXXX XXXX now reporting to the credit bureaus of our delinquency and we're falling deeper into an insurmountable hole when we tried to resolve this in XXXX. It seems as though XXXX is intentionally drawing this out and making it impossible for us to resolve our mortgage issues while letting the balance get higher and higher at the current monthly payment instead of helping us negotiate a lower payment. All of this is happening while trying to virtual school a XXXX XXXX child through distance learning and a XXXX child born XX/XX/XXXX in the middle of all of this. This is causing an incredible amount of stress that we can't find a job to replace ours, we can't afford to send our new baby to daycare and we're at risk for losing our home. Please help us! | ||||||
| 07/17/2019 | Yes |
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Web | Servicemember |
| This is the most recent email I sent to Lakeview on XX/XX/XXXX : Please look through the documentation of phone calls since XXXX. I mailed a check and set up auto draft to begin with our XXXX payment. Unfortunately I made a mistake when writing the check - the result being that the check was {$300.00} short. I was not aware of this for several weeks, and once I received notification of the situation, I called Lakeview to ask what to do. I was told to mail a check for the {$300.00}, and to contact Lakeview to ensure it had arrived prior to my next draft date in XXXX. The check did not arrive in time, but I did call to verify and then made a payment on the phone on XX/XX/XXXX. This phone payment was reversed for some reason, and I was not aware of this. I received no notification of this reversal from Lakeview, until the US mail arrived about 3 weeks later. Then the XXXX payment was not drafted - it was explained to me by a Lakeview employee that since the XXXX payment did not draft, that the XXXX payment would also not draft. At any rate I have since straightened out all the payments and will be mailing another check for the XXXX payment to absolutely ensure the auto draft has NO MORE issues. I called Lakeview when I received notification that there was a problem with that first check - and then I called again to make sure the check arrived, and made the online payment. It was my understanding at this time that the mortgage for XXXX and XXXX was taken care of, and my auto draft was set for XXXX. Each call is documented. Despite my making these calls I received postal mail from Lakeview last week regarding my late mortgage payments, having late fees levied, and then reporting the mortgage as a delinquent debt. This is a very serious situation that you need to remedy as soon as possible. This situation should never have happened. There is no justification to substantiate my account going to collections. Every step of the way since writing the check incorrectly I have been in touch with Lakeview. Now the account is listed as a bad debt on all 3 collection agencies. As soon as I was aware of this situation ( at the end of last week ) I attempted to get in touch with you Saturday, only to go through all the prompts and be told there was a problem with the phone system and to call back at another time. I then wrote an email urgently requesting someone call me as soon as possible. I received no phone call on Saturday. Monday when I was back at work I called Lakeview at least 7 times attempting to get to the " supervisor line '' both by holding the line and by leaving a callback number. You can read the documentation of these calls. Finally after more phone calls on Tuesday I received a callback and was told by the supervisor line individual that my complaint would have to be escalated to this Customer Support. Since I have had so little success in my dealings with Lakeview I will be doing everything I can to monitor what actions you are taking to remove your reporting of a delinquent debt from my credit report. Please send me a message outlining what steps Lakeview is taking to do this. I can not stress enough that I expect immediate action to fix my credit report. ____________________________________________________________________ I have not received a response to this message. At the time I sent this email to Lakeview I had been made aware that my XXXX mortgage payment was not drafted. I called Lakeview on XXXX and made a phone payment for the XXXX and XXXX mortgage payments for {$2700.00}. This was not taken from my checking account by XX/XX/XXXX. I called Lakeview on XX/XX/XXXX and was told it could take up to 7 days to draft. On Tuesday XX/XX/XXXX no payment had been drafted. I called Lakeview on XX/XX/XXXX, was told there was no record of payment being made and again made a phone payment of {$2700.00} to pay the XXXX and XXXX mortgage. I also resent the auto draft authorization with another check to ensure the XXXX payment is drafted. I have still not received a callback from the " supervisor line '' since requesting a call last week. The above email I sent to the Customer Service Department ( XXXX ) was after making several phone calls to attempt payment, requesting a callback from the " supervisor line '' numerous times - only to be told by the supervisor line that my complaint would need to be escalated to Customer Service. I wrote the above email and have received no response. I do not have much documentation as this took place on the phone. I have received only a XXXX and XXXX statement ( no past due amount ) and the auto draft enrollment ( which I resent with the XXXX check ). I have attached those as they have the confirmation numbers for the phone payments. | ||||||
| 05/04/2022 | Yes |
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Web | Older American, Servicemember |
| XX/XX/XXXX : I have been making my payments every month, in the last four months I am getting these past due notices. I have called and talked to customer service representatives. Usually, the person finds the error and it is straightened out. Two of my last calls, the customer service person says I have to show proof I made my payments because she did not see it. I am tired of this harassment and it needs to get cleared up. I have attached my latest payment statement from my bank. I will be looking for another company to do business with, your company does not treat their customers with respect and apparently your Payment Business Office does not know how to post mortgage payments. I have not had this much trouble with any previous company. Your websit tells me nothing, no payment history, where are my payments being posted? I was informed my payments are being posted to my principal, and I had over {$900.00} over payment. I said to have the {$900.00}? post to my principal. I asked to check that my XXXX payment be post correctly, to my monthly payment due, and it would be OK to send my XXXX payment. She said it would be fine, so I sent the payment. Then I get a reminder to make my payment, my payment was sent on XX/XX/XXXX, XXXX. I would really like this cleared up, and your business office post my payments correctly. Respectfully, My name -- -- Original message -- -- -- -- From : " Research, Payment '' XXXX Date : XX/XX/XXXX XXXX Subject : RE : Mistakes Posting my payments ( Ticket # XXXX ) ( CID : XXXX XXXX XXXXXXXX ) Thank you for contacting us! Our office is currently closed. Your inquiry will be forwarded to the team of specialists experienced in resolving your issue when our office reopens. Our hours of operation are from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX We will provide you a response as quickly as possible. Sincerely, Customer Communications Department XXXX ID XXXX XXXX/XXXX/XXXX : Yes, I have checked your website, and talked to your customer service numerous times. Does your customer service note every time I have called? Each time I thought we cleared up my account, if I needed to send more money I did. Yes, I know my escrow payment went out in XX/XX/XXXX. Your Website payment statements do not show the total amount you received ( payment I sent ), it is just a breakdown of what you posted to which category. How do you compare how much you received and what it was posted to when you do not show a total received? Your customer service referred me to contact you.Nobody is giving me the answers to help me recitfy my account. I have my bank statement, and am in the process of trying to compare the two statements, I do not have a lot of time to do this. Your people are just giving me the run around, referring me somewhere else and giving me half answers. I am asking for a review of my account, I have been making payments more than what my payment was due all last year, I made my escrow, I know there were a couple months my payment was less than what it should have, by mistake. I did call to try to rectify it, but your people apparently could not figure out my account and could not tell me whether I needed to make an additional payment or if I over paid. If someone could research my account from XX/XX/XXXX to present, show me ( send me a copy ) proof of what I owe, or do I have an overage. I know I owe for XX/XX/XXXX, am I behind for XXXX or not. I appreciate getting this cleared up, Respectfully, My Name XX/XX/XXXX I called again to rectify my account and get my payments straightened out. The first time I called, the customer service person stated I was still a month behind and I need to pay XXXX tocatch up. I explained I have been make my payments every month, all these issues started when received my escrow statement, stating I needed to pay an additional XXXX. I sent the payment, it was put in a holding account, supposedly they thought it was a shorted payment or something. I called told them the payment was the additional amount they wanted to pay my escrow. I went around and around with this women, then she transferred me to the insurance line. I had togang up and call back. I had to explain myself again. They guy I talked to looked at my account, stated every time I made a payment that was short of the monthly payment, was posted to the principal, and that since it is past 3 months there is nothing he could do. I just had to make that additional monthly payment to catch up. I told him that is wrong, and I don't have the extra {$1000.00} to pay to them. This is what I have been dealing with since XXXX or XXXX. I have never had issues like this in the past 29 years and numerous mortgage companies, I have been working with. | ||||||
| 03/11/2021 | Yes |
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| On XX/XX/XXXX we made 3 payments to our mortgage company. One for escrow shortage for period of XXXX in {$380.00}, the regular monthly payment that was due on XX/XX/XXXX in {$1800.00} and extra {$1000.00} toward principal. When I spoke with company agent on XX/XX/XXXX she told me make {$380.00} payment only and she will apply that amount toward my escrow account and then she collected the payment of {$1800.00} over the phone for the regular house payment that was due on XX/XX/XXXX ( confirmation for this transaction # XXXX ) and then she told me I can log back in to my online account to make payment of extra {$1000.00} online. They collected {$1000.00} on XX/XX/XXXX, but hadn't collected the rest. So I called back to on XX/XX/XXXX to see what is going on with rest of money. They told me that first 2 payments had been cancelled automatically since I can't make multiple payments in 24 hours window, which first agent never told me about it. They offer me to collect the regular payment and escrow in one payment as {$2100.00} at this point. I told them okay as long as they can take care of it asap. I was told I can see that payment had been applied by end of XX/XX/XXXX online. They refused to send me any email confirmation at all. I log back gain to my account on XX/XX/XXXX, but account was still showing that I owned them money. I called them again to see what is going on. Was told they never actually collected the payment from XX/XX/XXXX since they don't know what to do with money. I explained again the entire situation about it so agent send she send the email to correct department to take care of that and distribute amount correctly. She gave me new confirmation for payment # XXXX and told me give them about 24-48hours to process that. I called back on Thursday XX/XX/XXXX to see what is the status of the payment and was told again they have no clue what is going on with payment. I asked for supervisor or manager, but was transfer instead to care management team agent that just told me I have to wait until payment will be apply, which shouldn't be later the XX/XX/XXXX and that they can't send me any confirmation for any of the transactions. When I check my account on Monday XX/XX/XXXX it is still same issue. I check my bank to see if they collected the money and they did withdraw the money in amount of {$2100.00} on XX/XX/XXXX. I called again and asked for manager to see what is going on now. I was transfer to XXXX id # XXXX. I explained her again my situation and she said that she send another request to accounting to resolve this issue and that I can check my online account on XX/XX/XXXX it should reflect the payment correctly. She also told me she will email me confirmation about payment being made on my account. I told her that I don't want my account get pass due since I got email telling me that my account payment is past due now and I don't want my credit get ruined by their company. She assured me that my account not going get charged any pass due amounts and it not going to be marked as delinquent to credit agencies. Today I checked my emails I still don't see any email for the company showing that the payment ha been collected. I checked my online account with mortgage company and it still same issue so I called again today XX/XX/XXXX. I asked for manager and was transferred to XXXX id # XXXX. I have to explained everything AGAIN. She told me the XXXX ( not sure if this was another lie ) was applied to escrow and {$1800.00} are just seating there on hold. They never applied that amount to monthly payment. I asked why?? why is it still seating there?? She said since I payed my escrow shortage late the system what me charge {$1800.00} instead. I told her I did made the payment before XX/XX/XXXX and that their agent was the one that made the mess of it and they have to fix it. She said I have to wait until XX/XX/XXXX in order for them to apply the money and they she will email accounting to take care of that asap. I asked her if I should make just a payment for {$1800.00} and they can just refund the {$1800.00} to make it easier, but was told no I just have to wait. I am tiered of waiting. I am tired of calling and being lied to. Each person that I tall to give me different version of theirs. Its almost a month since this mess started and bank refuse to send me any payment confirmation of fix the issue correctly. I just keep being told just keep waiting. I feel bank doing this on purpose to default my loan and put my credit bad so they can charge me more. I need someone to help me to resolve this issue, I believe I am not the only person that this bank treat that way. I believe bank doing this on purpose. | ||||||
| 08/07/2020 | Yes |
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| We have our Mortgage through Lakeview Loan Servicing XXXX. XXXX XXXX XXXX XXXXXXXX, VA XXXX. We have an escrow account set up with them that holds our money for taxes. Our current county XXXX County in Texas separated mine and my husbands tax acct because at the time of our filing last year we were not married. ( Supposedly it's a process the tax office does ). They sent both my Husband XXXX XXXX and My statements to the Mortgage company to be paid. My husbands was paid but mine was not. We received notice of this in XX/XX/2020 when Taxes weren't paid on the property fully. We called our Mortgage company to make them aware. We had to send in documentation of the statement and they said they would take care of it and get it paid. We then went to the tax office to verify our standing with them so a lien would not be put on the house. We received another letter of an outstanding balance in XXXX and called the Mortgage company again to be told that they had the info, they were working on it but with COVID they were experiencing less staffed workers so it would take some time. Then again in XXXX, same thing. Called them and they said it's a process and it takes time. By XXXX we received the same thing. Called and again same thing with them. By XXXX my husband was working with another company and lady to refinance our home to get our interest rate lowered so our payment could be lowered. When it came to the beginning of XXXX she told us that our taxes on the property were outstanding and that in order to refinance with her we would need to pay them. Mind you in XXXX I was reassured that we would not be responsible for any penalties associated with unpaid taxes as it was not our fault they were not paid because we have an escrow acct set up to pay these for the property. Next part is going to have to be a long story short. I got a letter and another outstanding bill that taxes weren't paid and now a lawyer was representing the county against me. Needless to say our penalty fees at this time had accrued well past {$1000.00}. I called and was on the phone 10 hours total between 2 days with the mortgage company for multiple people to tell me that those taxes would not be paid due to the statement being in my name and I was not on the loan only on the deed. I explained to them that that information was incorrect. It does not matter who the name is on the statement is, all that matters is that those taxes are due on that property that they hold the mortgage to and that an escrow acct is set up for. Multiple times I was told this and told there was nothing more they could do and hung up on. I kept calling back and each person I spoke with told me the same thing. I then paid the taxes myself so that I would not accrue any more fees and that my brand new house would not have a lien on it due to nothing of my fault! I then called back the next day and argued with more rude representatives that tried to also explain to me that they will only pay one tax bill and they already paid my husbands so they won't be paying anymore which to what my response was, you don't get to decide the amount of taxes that are due on a property, you pay the bills that are associated with the account you hold. I then finally was transferred to a supervisor named XXXX ID # XXXX who was actually the most helpful rep I spoke to. He tried to tell me the same line of XXXX that they wouldn't pay it if my name was on the bill. I then explained to him what I said earlier and he then asked me to hold. I told him that I was filing a complaint with the CFPB and they told me that they were in the wrong and that this is a default on their part and that if I could allow them 7-10 days and they would get it taken care of. They did send me a check and it was {$500.00} short for the penalty fees they owed me for paying. Spent another 3 hours on the phone arguing with them because the escrow analysis I requested showed different from what the supervisor kept trying to tell me it was. Now we found a discrepancy with our escrow analysis and was told we needed to talk to a different department. Was hung up on again and now the number they gave us for the department we supposedly need to speak with does not go through. I am in the middle of all this chaos and was suggested to file a complaint. I would like to take legal action against them and just wanted this complaint filed and more advice of where to go from here because now I am unable to refinance and not be with their company anymore. Ps. I also just receive another letter from another attorney for the water tax company being represented against me. | ||||||
| 01/09/2019 | Yes |
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| My mortgage was bought by Lakeview Loan Servicing and is sub serviced by XXXX XXXX. I purchased my home in XXXX of XXXX in XXXX Texas ; immediately after purchase I applied for my Homestead Exemption and XXXX Veterans property tax exemption. The original amount of my property taxes was over {$5000.00} and the Homestead Exemption was applied first, reducing my property taxes to just under $ XXXX. Midway through XXXX the XXXX Veterans Exemption was applied, reducing my taxes to approximately {$4800.00}. In XXXX of XXXX my veteran 's XXXX was increased to 100 % ; in the state of taxes a 100 % XXXX veteran is exempt from property taxes. I submitted my application to the state and my taxes were adjusted for XXXX to reflect the change in XXXX, reducing my taxes to {$3800.00} for XXXX and {$0.00} for XXXX and beyond. In XXXX of XXXX I received an email from XXXX XXXX that told me they disbursed {$4800.00} for my taxes to the state, and in XXXX my homeowners insurance was paid ( approximately {$1200.00} ) leaving an overage of over XXXX in my escrow account for XXXX, with an addition XXXX that was " disbursed '' to the state for my taxes. Because I am no longer required to pay property taxes, and I have a XXXX overage in escrow I attempted to make a mortgage payment to cover only my principal and interest. XXXX XXXX refuses to apply this amount to my mortgage telling me that they do not process partial payments and put my funds in a 'suspense ' and am showing that I am past due on my payment. I sent a letter through the mail to both their escrow department and mortgage department with both a letter from the VA showing my 100 % XXXX rating, a copy of the state law regarding property taxes and a print out direct from the XXXX County CAD showing my tax obligations, and they did not respond or adjust. I called the company on several occasions and was FINALLY put in contact with a 'supervisor ' by the name of XXXX XXXX . I explained the situation in detail and he told me he would send all information to the escrow department for an accelerated review. In the interim, I contacted XXXX County in regards to the extra {$1000.00} that was paid to them and they told me that they never received it. They told me that only {$3800.00} was disbursed to them. I have emails from both XXXX County tax office and the appraisal district showing that XXXX XXXX did not disburse {$4800.00} and they only received {$3800.00}. I immediately contacted Mr XXXX, sending him copies of these emails and asking him where my {$1000.00} was, because it was never disbursed and is not showing in my escrow account. He said he would look into, he also told me that NONE of the documents I submitted were good enough for their escrow department and I needed to get a letter from the tax office showing my tax liability. I contacted the tax office and they told me they do not normally send letters, that the mortgage company can verify all information online through the XXXX County CAD. I explained to them I sent XXXX XXXX this information and that it wasn't acceptable to them. I pleaded for their help, as they were requiring I still pay {$400.00} a month towards property taxes that I DO NOT owe, and being that they had already lost {$1000.00} of my money, I didn't trust them with excess funds. She conceded and went out of her way to mail me a letter. Once I received it, I immediately scanned and emailed this letter to Mr XXXX, who didn't respond. I sent several more emails inquiring about my missing funds and received no response. I managed to finally get through to him by phone and he then claimed to have never received my sent emails. I forwarded all these emails to him again, and he told me he would submit and then send me an update. A week passed without any word, so I contacted him for an update. He said the escrow department needed a letter from the tax office and I resent it for the THIRD time, telling him I had already sent it, and he already told me he had submitted it! I then asked where my missing money was, and he said they were working on it. To date, I have no updates, the {$1000.00} is still missing from my escrow account, my mortgage payment is still sitting in suspense showing I am past due on my payment and they are STILL requiring I pay excess funds into escrow for property taxes I am exempt from. I DO NOT trust this company, how do you lose a XXXX dollars??! Nobody will help me, nobody communicates with me and I need help before these people ruin my credit and lose any more of my money. I have tons of documents and an email trail showing all that I have explained. Please help | ||||||
| 07/30/2021 | Yes |
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| I have overpaid my mortgage company Lakeview, serviced by XXXX ( due to XXXX XXXX XXXX not completing the stop pay that had been requested ) and have not been able to get the overpayment amount of {$50000.00} back. Details below and attached. They have been telling me for days/weeks that they will refund the money and haven't. date action XX/XX/XXXX sent {$300.00} payment for recast fee XX/XX/XXXX {$300.00} fee rec 'd from Lakeview/XXXX and posted to my account XX/XX/XXXX sent {$50000.00} check for recast XXXX XX/XX/XXXX sent {$50000.00} check for recast XXXX XX/XX/XXXX called lakeviewXXXX talked to XXXX, still don't have payments in their system ; recommended that I have bank stop pay and wire the money. Rec 'd wire info XX/XX/XXXX XXXX will stop pay XX/XX/XXXX Called lakeview/XXXX talked to XXXX and advsied we will do stop pay for XXXX and XXXX and wire the funds XX/XX/XXXX $ XXXX funds posted against my XXXX account/wired XX/XX/XXXX called lakeview/XXXX talked to XXXX, states wired funds rec 'd and will be applied next day XX/XX/XXXX funds of $ XXXX posted to lakeviewXXXXaccount XX/XX/XXXX check XXXX {$50.00} k posted against my XXXX account XX/XX/XXXX check XXXX for {$50.00} k returned XX/XX/XXXX called lakeview/XXXX talked to XXXX both {$50.00} k received, posted and deposited. sent to escalation dept XX/XX/XXXX check XXXX for $ XXXX posted against my XXXX acct again XX/XX/XXXX check XXXX for $ XXXX posted against my XXXX acct XX/XX/XXXX check XXXX for $ XXXX returned XX/XX/XXXX called lakeview/XXXX talked to XXXX, per her supervisor they can overnnight my refund check, but need proof of payment sent to XXXX, sent at XXXX XXXX XX/XX/XXXX Called lakeviewXXXX talked to XXXX, ticket # XXXX, sent to escalation. Talked to XXXX - per XXXX, refund request is in payment processing, overnight is not a guarantee and refund will be sent in XXXX days XX/XX/XXXX called lakeview/XXXX, talked to XXXX. Per XXXX ( agent # XXXX ), refund request hasn't even been completed yet. He opened the refund request. Talked to XXXX in escalation dept. She states the refund request has been entered and an overnight check delivery requested XX/XX/XXXX Called lakeview/XXXX, talked to XXXX ( agent/manager # XXXX ) Per XXXX, the Proof of payment sent on XX/XX/XXXX wasn't sufficient and they need a copy of the check front/back. Sent via email @ XXXX cst. She also stated that the refund has been requested again and that she also requested the check be overnighted. XX/XX/XXXX called lakeview/XXXX for status, told copy of check as proof of payment not sufficient and they needed bank statement showing transactions and beginning/ending balances ; XX/XX/XXXX sent XXXX copy of bank statement as requested @ XXXX XXXX ; rec 'd confirmation ticket # XXXX XX/XX/XXXX called lakeview/XXXX t/t XXXX agent # XXXX ; per XXXX they now have everything they need and the check should be cut to me by XXXX ( Tuesday ) XX/XX/XXXX called lakeview/XXXX XXXX XXXX, per system there is nothing else showing as needed to cut check on XXXX XXXX XX/XX/XXXX called lakeview/XXXX t/t XXXX , doesnt show an update on the refund. Asked for escalation dept, t/t XXXX/supervisor # XXXX was told check would be cut by end of day based on what was in system XX/XX/XXXX called lakeview/XXXX t/t XXXX/manager # XXXX states nobody had escalated to a manager and they should have. She stated she sent to escalation while on the phone and has her manager involved also. I should receive notice by noon next day XX/XX/XXXX of what manager would be assigned to my case and get the refund completed. She gave me her direct number as XXXX x XXXX if i didn't hear from anyone by noon next day also stated it was 100 % that my check would be overnighted and it might could be wired. XX/XX/XXXX didn't hear from anyone at lakeview/XXXX. Called @ XXXX XXXX cst and t/t XXXX # XXXX she stated it was escalated to upper management and I should receive a call by end of day with a reference # /tracking # for the refund/payment. End of day was XXXX XXXX est. I did not receive a call. I did receive an email that my case was assigned to a manager and i would hear from a manager within 1-3 days. she stated the note in the system was entered by " XXXX ''. i asked to speak to any senior manager and was told many times that there wasn't anyone there. i pushed to speak to someone and was placed on hold so she could " try to find someone '' i was on the call for 1 hour and at the 1 hour mark i was disconnected. XX/XX/XXXX still haven't heard from a manager. Called lakeview/XXXX t/t XXXX, asked for escalation dept. | ||||||
| 05/18/2021 | Yes |
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| XXXX/Lakeview Mortgage Servicer. At the end of my forbearance term, I decided to pay the past due balance in full rather than to defer it. During that same time, I also sent in the notarized documents requesting the deferment due to the deadline required by XXXX. I paid the past due balance in full BEFORE the deferment was put in place. Now I can't get the mortgage servcicer to either refund me or provide me with a paid/closed/lien release letter. Here is the timeline of events : - XX/XX/XXXX : End of forbearance term. Past due balance of {$8100.00}. - XX/XX/XXXX : I made payment of {$3500.00} towards past due balance. ( {$4600.00} left due ) - XX/XX/XXXX : At the request of XXXX, I notarized and sent in paperwork requesting to defer the past due balance ( of {$8100.00} as stated on the documents ) because I was given a deadline to return this. - XX/XX/XXXX : I decided that I would pay the past due balance in full than to defer it. - I spoke to LoanCare ( same day XXXX to see if I could pay the balance due so that there would not be a balance to defer. The representative assured me that if the balance was paid in full, there would be {$0.00} to defer and therefore my request to defer would be null and void. That turned out not to be accurate. - I paid {$4700.00} to LoanCare ( same day XXXX to bring my account current. - XX/XX/XXXX mortgage statement does not show a past due balance ; XXXX confirms no past due balance. - XX/XX/XXXX mortgage statement does not show a past due balance ; XXXX confirms no past due balance. - XX/XX/XXXX mortgage statement does not show a past due, however now shows a deferred balance of {$8100.00}. - XX/XX/XXXX : Spoke to XXXX ; - They confirmed that at the time of receipt of the notarized balance deferment paperwork, the past due balance was in fact {$0.00}. - They state that even though there was not a past due balance to defer, because documents requesting a deferral of the {$8100.00} were received, they took that amount from the principal balance anyway and deferred it. - They state there is really nothing they can do about it now. - XX/XX/XXXX : spoke to XXXX representatives again ; they said I needed to deal with HUD individually to get a paid/closed/release of lien letter. - XX/XX/XXXX reached out to HUD individually and they confirmed the past due balance of {$8100.00} is NOT paid. - XX/XX/XXXX : I reached out again to LoanCare and they assured me they will refund the {$8100.00} back to me so I could pay HUD. - XX/XX/XXXX : I did not receive any refund. - Called back to XXXX and told the refund request was denied due to customer care representative error ( keying in incorrect amount ). - Escalated to a supervisor. I was again assured the refund would be sent to me. - XX/XX/XXXX : I did not receive any refund. I called back once again and spoke to manager named " XXXX '' who promised a check the following week, overnighted. That also did not happen, no refund. - XX/XX/XXXX : Called to XXXX and spoke to manager " XXXX '' who tells me that in fact, I should not get a refund but that XXXX would communicate the paid balance to HUD/Novad who would in turn provide me with a paid/closed/lien release letter. " XXXX '' asked that i email the letter from HUD/Novad confirming the balance due of $ {$8100.00} to their " research department at : XXXX - XX/XX/XXXX : Called and spoke to manager " XXXX '' for an update and he states he has escalated the matter to " other managers '' who would be processing the request and it is still in-process. - XX/XX/XXXX : Called and spoke to customer care representative called " XXXX '' who stated he would have " XXXX '' call me back with an update on the paid/closed/lien release letter. - I also emailed XXXX asking them for their assistance in speeding up this process. Present day : I still have yet to hear from anyone of their team to tell me where my refund or letter of lien release is. No one seems to know exactly what needs to happen to get this pushed through but that " management '' is processing this. They continually tell me I have to wait X amount of days while they do " research ''. It has been 8 months since I paid the balance in full and therefore should not have any balance deferred and shouldn't have any lien on my property. This has caused my refinance to get held up. I've had to continually extend my rate lock which is costing me more money because XXXX can not figure out how to resolve this. I would greatly appreciate any help your team can provide. Thank you, | ||||||
| 07/12/2021 | Yes |
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| XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX CFPB XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Dear Sir ( s ) We are writing to you regarding our XXXX FHA home loan. Currently Lender has reneged on forwarding the required fund draws to complete the renovation of our family home. The draw request in question was submitted by our HUD consultant to our Lender over two years ago. They have not provided an explanation or tried to communicate with us on this topic. We have included a brief summary and attached supporting documentation : On XX/XX/XXXX, my husband, XXXX XXXX XXXX, and I, XXXX XXXX, received a XXXX renovation mortgage loan from our Original Lender which was later sold to our current Lender. We were extremely excited because this was going to be our new family home it included an Auxiliary Dwelling Unit ( ADU ). This ADU will assist us with our monthly mortgage payment. Together as a family with our XXXX daughters we worked hard to clean up our property to prepare for construction. Once we got our permits, which took some time due to numerous SD country requirements, we were ready to go. Once our permits were issued, we spoke with our lenders draw servicer to let them know we were beginning the major portion of our renovations and needed their support in getting timely fund draws issued. They agreed to support that effort and construction got underway. In XXXX of XXXX we broke ground. To help speed up the renovation our subcontractors agreed to do the work and get paid through the fund draws. After the 1st phase of work was completed ( Foundation Grading and digging the retaining wall and 2nd floor footings ). This was the most crucial part of the project when we submitted our next fund draw request through our HUD consultant. After a few weeks went by we called our lenders fund draw servicer to inquire of the delay. We were told that they had submitted it to our lender and that our lender was reviewing our draw request. Several weeks later after frequent attempts to reach our lender failed, we contacted our HUD consultant. The consultant told us that our lender had contacted him after reviewing our draw request and asked him his opinion if they should approve our latest draw. To date our Lender has not communicated as to why our fund draw were not sent to us. Although we have tried to communicate with them through every means possible including emails, phone calls, and letters with no response or resolution from our lender. We are seeking your assistance to help get a resolution. We would like our lender and fund servicer to cooperate with us and provide our fund draws in a timely manner, so we complete our renovations and make our family home livable. In addition to the above statement our lenders lack of cooperation has resulted in a great amount of lost time, money and other damages that has affected the completion of our home renovations. We have had to cover costs out of pocket associated with this XXXX renovation loan that should have been covered by the draws. Not to mention we paid interest on the full amount of the loan for over a year even though our lender has not forwarded almost half of our loan balance to us as part of the renovation agreement. In XXXX of XXXX we stop paying our mortgage in an attempt to escalate our concerns to our lender who had not returned our calls ( letters or emails ) or tried to contact in any other way in over a year despite numerous attempts on our part. We have received calls from their loan payment servicing company to ask us for payment, however we have continued to ask them to transfer us to our lender before we make any further payments to discuss why they have not forwarded us our fund draw request made in XXXX of XXXX. PS Our first draw was for architectural drawings and initial permit review, the Second draw was for the updated architectural drawings to remove costly SD country requirements and secondary permit review. The next draw was for the building permit, construction permits and tree/site debris removal. These represent draws that were submitted and paid by either our original lender and ( or ) our current lender. Our lender did not indicate prior to making the final draw request that they would not forward the requested renovation draw funds in a timely manner. Thank you in advance for your attention to this now urgent matter. Thank you, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX | ||||||
| 06/03/2021 | Yes |
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| I had been on forbearance with XXXX, AKA Lakeview Loan Servicing, for most of XXXX, in XX/XX/XXXX, I had refinanced the owed amount, but they kept having issues documenting the completion. I was told my first payment was due XX/XX/XXXX, so I set up an auto-draft. This started a snowball effect that follows. Payment Errors : Starting XX/XX/XXXX, to find out why Lakeview Loan Servicing LLC, AKA XXXX, did not take out my auto-draft, I was informed that there was excess money in the suspense account and it was being credited to my mortgage. I received numerous phone calls saying that my mortgage payment for XXXX was overdue, and every time I called back, and was assured the money in the suspense account was being moved to the correct account to cover XXXX XXXX payment. On XX/XX/XXXX, I was called regarding XXXX payment and told that I owed {$6500.00} for the escrow even though I had just refinanced the loan. I asked to speak to a manager who said Their company hadnt fully processed my refinancing paperwork, and that was the escrow balance. I tried paying my XXXX Mortgage to him, and he said that he was transferring the Mortgage payment from the suspense account and removing any bad marks off my credit report. XXXX / Lakeview Loan services LLCcompany did not properly credit the payment made on XX/XX/XXXX, of {$1500.00}. This payment should have been credited to : o {$100.00} to the principal o {$1400.00} Mortgage Ammount the company failed to credit the payment I made on XX/XX/XXXX, XXXXas of the date of receipt. Fee Errors : On XX/XX/XXXX, I was informed that I owe {$6500.00} for the escrow account ; I had not heard about this prior and did not understand how I owe this amount. I had just finished a refinance after a forbearance and was told the only payments were going to be my first mortgage payment for XX/XX/XXXX On XX/XX/XXXX, I called to make my XXXX mortgage payment, and I was informed I now owe over {$8000.00} for the escrow account. I am unaware of how I owe these fees as I just did a refinancing agreement in XX/XX/XXXX after completing a year-long forbearance process where I still made monthly payments. Starting XX/XX/XXXX, to find out why XXXX/ Lakeview Loan Servicing did not take out my auto-draft, I was informed that there was excess money in the suspense account, and it was being credited to my mortgage. I received numerous phone calls saying that my mortgage payment for XXXX was overdue, and every time I called back, and was assured the money in the suspense account was being moved to the correct account to cover XXXX XXXX payment. On XX/XX/XXXX, I was called regarding XXXX payment and told that I owed {$6500.00} for the escrow even though I had just refinanced the loan. I asked to speak to a manager who said My Loan Officer hadnt fully processed my refinancing paperwork, and that was the escrow balance. I tried paying my XXXX Mortgage to him, and he said that he was transferring the Mortgage payment from the suspense account and removing any bad marks off my credit report. The company did not properly credit the payment that I made on XX/XX/XXXX, in the amount of {$1500.00}. CONFIRMATION NUMBER This payment should have been credited to : o {$100.00} to the principal o {$1400.00} Mortgage Ammount Your company failed to credit the payment I made on XX/XX/XXXX, XXXXas of the date of receipt. Fee Errors : On XX/XX/XXXX, I was informed that I owe {$6500.00} for the escrow account ; I had not heard about this prior and did not understand how I owe this amount. I had just finished a refinance after a forbearance and was told the only payments were going to be my first mortgage payment for XX/XX/XXXX On XX/XX/XXXX, I called to make my XXXX mortgage payment, and I was informed I now owe over {$8000.00} for the escrow account. I am unaware of how I owe these fees as I just did a refinancing agreement in XX/XX/XXXX after completing a year-long forbearance process where I still made monthly payments. On XX/XX/XXXX, I asked for the email address, and direct contact number of my Loan Officer, Noone on the phone could tell me who my loan officer was or what their name was when I gave them the name on my online account, XXXX XXXX ext number XXXX. I was told they had no record of that person at their company. When I was transferred to ext XXXX, the voicemail box mentioned an unidentifiable name ; I left a message and have yet to hear back. | ||||||
| 01/06/2021 | Yes |
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| Throughout XXXX, I was sent numerous pieces of mail via XXXX from XXXX/Lakeview Loan Servicing to refinance my mortgage. It promised a streamlined refinance to simply lower the interest rate. In XX/XX/XXXX, I decided to start the process and worked with XXXX XXXX based out of Florida. During my initial conversations, he told me that it was imperative to get documents to himself or the processor ( XXXX XXXX ) when requested. If I failed to comply, I would lose my rate and my mortgage would not close in XX/XX/XXXX. During initial conversations with XXXX, I inquired about a cash out refinance which at the time I was told was a lengthy process ( 3 months out ). After hearing this, I decided to stick with the streamline refinance as I was told it was much faster. On XX/XX/XXXX, I submitted my information, e-signed disclosures, locked my rate, and was transferred to XXXX for the remainder of the closing process. I began working with XXXX on XX/XX/XXXX. The initial email stated that my interest rate was locked until XX/XX/XXXX. I had all documents back to either XXXX or XXXX within 24 hours upon request. On XX/XX/XXXX, I received an email from XXXX stating that my closing would take place in XXXX and was told that a lien subordination was being completed with On XXXX XXXX XXXX and she instructed me to pay my mortgage payment-no problem. On XX/XX/XXXX, I received an email from Sue, stating that there was a delay with the lien subordination but that she had requested an update from title and would keep me posted. I received no additional communication from anybody at XXXX or Lakeview Loan Servicing/XXXX XXXX XXXX. On XX/XX/XXXX, I received another email stating the the issue with the title company and lien sub had been escalated. XXXX XXXX email stated, " They have given your file priority and are working on it now. '' At that time, she said she would continue following up with title to ensure the issue had been resolved. On XX/XX/XXXX, I received an email from XXXX again-not once stating she still did not receive title resolved. She sent a " Net Tangible Benefits Disclosure '' that she requested be signed and sent back. The email also stated that she was waiting on the clear to close. The form was sent back same day and XXXX responded on the XX/XX/XXXX with " Received! '' Nothing was mentioned about not closing on time or making my mortgage payment for the month. On XX/XX/XXXX, I received yet ANOTHER email from XXXX stating that the title company was again working on the lien sub. She said the process would take 2-4 weeks but to continue paying my mortgage as usual. My mortgage payment was due no later than the XXXX. When I reached out to her asking for more information, she responded with " I understand your frustration, I've been reaching out to the title company since XX/XX/XXXX. We have a " VP at the title company involved now ... '' On XX/XX/XXXX, I received yet another email from XXXX delaying the process yet again. She stated that she heard from title and that the estimate this time was 10 business days. on XX/XX/XXXX, I sent an email to XXXX asking about the rate lock that expired on XX/XX/XXXX and asked if I needed to make yet another payment at the higher interest rate. I expressed my frustration with her yet again to which I received a generic response apologizing for the delay. She stated that now a VP at her company was involved yet she did not answer any questions in my email sent. She just promised to " keep me posted '' as she has done since XXXX. My rate was to decrease from 4.50 % to 3.25 % saving an estimated {$350.00} a month. I also incurred a late fee of {$76.00} on my current mortgage ( XXXX XXXX payment ) due to XXXX and XXXX XXXX/Lakeview Loan Servicing 's communication and inability to close my loan on time. I feel as though the company is delaying the process in closing my streamline refinance so they can continue collecting the higher interest payments. I also feel as though they intentionally did not close my loan in a timely manner to increase my interest rate as my rate lock was to expire on XX/XX/XXXX. Interestingly enough, I heard of yet another delay on XX/XX/XXXX. My current mortgage is with XXXX and was told how easy and simple this would be, yet here I am still paying a higher interest rate and being dragged along. It is now XX/XX/XXXX and I still do not have a closing date or any answers to my questions. | ||||||
| 06/02/2023 | Yes |
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| I received a Annual Escrow Acct Stmt from our Mortgage Co.Lakeview sub-serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Loan # XXXX on XXXX dated XX/XX/XXXX the document stated we have an Escrow Shortage of XXXX and that are monthly payment would increase to {$1200.00}. We are on a very low fixed income 2 persons SSA & SSI annual net combined income {$25000.00} are current mortgage is {$930.00} with the drastic increase in cost of living we are having to struggle making the payment we can not afford to pay anymore. I have owned properties in the past but never had an XXXX XXXX Account it was my responsibility to pay taxes and insurance. I reviewed the XXXX Account and saw that they were charging us for an insurance that was cancelled for {$1400.00}. I obtained insurance thru XXXX XXXX XXXX annual rate {$1000.00}. Also I saw the amount of property tax they had was in error they showed the annual amount {$1500.00} I called the Assesors office to confirm what amount our property taxes are and he said {$1100.00} and I also received a DELINQUENT NOTICE from Tax Collector that our r supplemental bill had not been paid it was XXXX + penalties XXXX = XXXX which is due by XX/XX/XXXX, I never received a bill in the mail and since the taxes were being paid thru Escrow I did not think we owed anything I calculated what we should be paying : it comes out to {$270.00} They have been charging us XXXX monthly I feel they owe us a refund and we do not have an Escrow Shortage. I have called XXXX on XX/XX/XXXX spoke to XXXX at XXXX XXXX XXXX and asked her why we had a shortage she acknowledged that we were still being charged for the insurance that was cancelled ands said she would revise the Escrow account and adjust are mortgage in 5 to 7 days and if I did not get anything by XX/XX/XXXX to call back. On XX/XX/XXXX I still had not received anything so I called Lakeview and spoke to XXXX in XXXX XXXX XXXX and he stated he would analyze the Impound account and send me a revised mortgage before XX/XX/XXXX when mortgage was due. On XX/XX/XXXX I received a notice from Lakeview it was another Annual Escrow Statement there were no changes made to the overcharged amounts still showed we had a shortage of XXXX the only thing that was changed was they prorated the shortage for 24 months instead of 12 months making payments which are due and we can not afford to pay {$1100.00} which is in excusable there is no one at Lakeview Loan competent enough to fix there error and it also states that if we do not pay the full amount by XX/XX/XXXX the amount we pay will go into a suspense account meaning it will look like we have not paid our mortgage and be in jeopardy of loosing our home we desperately need help in resolving this problem because if we loose are home we will be homeless our Savings are depleted we spent them on closing cost when we purchased this manufactured home on XX/XX/XXXX. Then after we are moved in we find out that the home was built in XXXX and is 1,100 sq ft when we purchased it the home was listed as year built XXXX and 1,452 sq ft that is a big difference if we were aware of that we would have never purchased it for {$120000.00} so if you could help in how to resolve that problem it would be greatly appreciated. I have all the documents but for some reason I am not able to download them when I try I get kicked off your website and I log back in and it takes me to START A NEW COMPLAINT.please contact me with information on how to mail you the documents address and person who will be working on my Complaint. Thank you, XXXX XXXX and XXXX XXXX ( joint-tenants ). Contact info : XXXX XXXX XXXX XXXX, CA XXXX ph ( XXXX ) XXXX or ( XXXX ) XXXX email address : XXXX please get back to me because it is imperative that you have the documents so you can see how we are getting over charged now and the upcoming year the escrow is XXXX which it should be lower than what we are paying now it is a fixed rate the only change in Escrow Impound is a reduction in are Home Insurance. We desperately do not want to loose are home and the mortgage company Lakeview will not help it looks to me like they are purposely overcharging us because if we do not pay the new amount of mortgage they can take away our home which is all we have we are senior citizens and we obtained that type of loan because it is for low income families | ||||||
| 05/25/2021 | Yes |
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| This is my mortgage co. Purchased home XX/XX/XXXX and loan was sold to Lakeview. It's been a year now and nothing but PROBLEMS. Today 's issue is we applied to have the PMI removed. This initially happened I believe in XX/XX/XXXX while I was on the phone with an issue of them regarding not posting pmts correctly. They had said we were past due which prompted me to call. See below issue with that. We put down 10 % on the loan and the value has gone up over 10 %. After we applied to have PMI removed ( both times I called on the phone in XXXX and XXXX. Most times you have to call like 10xs because it gets disconnected, no one answers and the VRU hangs up on you or the rep hangs up on you. No response about my request after 2 calls ( no one on the phone can help, they have to send " an inquiry '' and someone will call you back but that doesn't happen either. I called again beginning of mid XXXX ( 3rd time ) and was advised that a letter had been sent XX/XX/XXXX which I asked why didn't I get a return call? I requested to speak to someone in that dept. They " don't know ''. About XX/XX/XXXX they sent a ltr stating we missed a pmt or were late and declined us to apply for the PMI removal and have the appraisal done. We have not missed a pmt or were late. As a matter of fact, we even made an extra pmt to apply towards principal. Now at one point last year I did receive a late fee on my statement and it didn't show our previous pmt applied. When this mortgage was sold to Lakeview after we closed, the communication was poor and pmts were not being posted timely. We even had an issue in XXXX I believe regarding our insurance pmt not being posted by XXXX. They said it didn't get transferred over with the escrow info when the bank was sold. That was another ordeal with them. They promised to overnight the pmt to the insurance co and did NOT. My homeowners insurance was about to be canceled and I had to pay out of pocket for it and wait to be reimbursed by my homeowners insurance co. Again, promises made by their reps and not being done. We have tried multiple pmt methods with them including, pay over phone with a rep ( that worked and we get a one time no fee charged for this because our pmt was not received by them ), ach transfer, autopay and mailing a pmt in snail mail which is how I pay all of my other bills and I have no issues with those creditors receiving my pmt on timeand posting it on time. I pay all of my bills beginning of the month. It took them MONTHS to get our acct transferred over correctly from when we signed for our closing ( they bought the loan ) which was in the midst of COVID. Any late fee on our acct has been reversed due to their error. I have made NUMEROUS calls about this too and spent hours doing so to finally get in contact with someone from their pmt dept to walk through everything. She found we should not have been billed a lf and reversed it. We have been more than accommodating to them in trying different methods to get our pmt posted ON TIME! We have had so many issues with this company. This is not our issue if they post it late and can't get it together. We have stellar credit, run a business of buying homes and have not had this issue with any other mortgage co. I have tried emailing, calling, writing to them and no response other than DENIED! THey say they will call me back. No call. Per attached email you will see one of my responses. No response back from them and that was XX/XX/XXXX and XX/XX/XXXX. I have called no less than 10 more times since then trying to get through to them on their phone system to no avail. No one will return my call as they state they will. I have tried so many times to get this resolved. It's impossible to speak to someone and IF by chance you get through, of course they can't help you. I need this resolved. I need the appraisal done and the mortgage insurance removed. Most of all I need the RIGHT person to call me back who can actually HELP ME! So frustrating and I shouldn't have to refinance with a different company just because this one will NOT return calls/emails/mail. My husband and I did look into this and was told it would cost $ XXXX to refi with another bank and I really am not paying that kind of money just because this place has XXXX customer service. PLEASE HELP ME! | ||||||
| 02/20/2020 | Yes |
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Web | Servicemember |
| We purchased our forever home in XXXX, Texas on XX/XX/XXXX upon retirement from the United States XXXX ( XXXX XXXX ). Unfortunately, on XX/XX/XXXX our home was struck by lightning causing a fire. Our insurance company ( XXXX XXXX ) provided us the funds ( {$230000.00} ) to rebuild our home and we were instructed to forward the check to our mortgage company ( Lakeview/XXXX XXXX XXXX XXXX ) so the funds could be properly distributed based on the reconstruction phases. However, in XX/XX/XXXX we were informed by our General Contractor that Lakeview/XXXX XXXX XXXX XXXX had withheld funds ( breach of deed ) because our contractor was not licensed or bonded which is not a requirement in the state of Texas. We submitted 5 waivers ( XX/XX/XXXX-XX/XX/XXXX ) for this requirement thru the mortgage company ( Lakeview XXXX XXXX XXXX XXXX ) agents via phone and they were all denied. Meanwhile our home was exposed to the elements because the roof was not completed ( it did have a tarp ) due to the mortgage company withholding funds and causing additional damages to our home. On XX/XX/XXXX we called in a restoration team ( Cost {$10000.00} ) after we had a thunderstorm to ensure we were properly safeguarding the property. When we try to file a claim ( XX/XX/XXXX ) with XXXX XXXX they said the mortgage company failed to pay our insurance therefore they denied our claim. When we spoke to the mortgage company they said they didn't have a point of contact for the insurance company so they failed to pay and tried to blamed us despite them being responsible to pay for it through our escrow. They said we would have to wait for the Lenders Placed Insurance Policy to file a claim which would come into effect in XX/XX/XXXX. In late XX/XX/XXXX Lakeview XXXX XXXX XXXX XXXX recognized that they had made a mistake of requesting the license and bond requirement for our general contractor and they released funds to our initial contractor to pay ( {$39000.00} ) for the work he had done. Lakeview XXXX XXXX XXXX XXXX asked us to ask our general contractor if he would like to continue doing the work and provide a new assessment with the additional damages. Our general contractor declined to continue with the work due to the high stress and complications Lakeview XXXX XXXX XXXX had put him through. In the meantime Lakeview/XXXX XXXX XXXX XXXX asked us to find a new contractor ( XX/XX/XXXX ) and get an assessment on the additional damages. We contracted XXXX XXXX XXXX ( XX/XX/XXXX ) to do the assessment which we paid out of pocket ( {$4500.00} ) and we informed the Lakeview XXXX XXXX XXXX XXXX point of contact that the assessment would take 4-6 weeks due to the extent of the damages. XXXX XXXX XXXX has finished the assessment ( XXXX XX/XX/XXXX ) and are standing by until we resolve the release of funds to cover all additional damages ). In late XX/XX/XXXX we were informed that the Lender Placed Insurance Policy was set up thru XXXX XXXX XXXX XXXX so we could file the claim for the additional damages. On XX/XX/XXXX we were informed that the claim thru XXXX XXXX XXXX XXXX was denied. We immediately contacted the Lakeview/XXXX XXXX XXXX XXXX ( still waiting for a returned phone call ), XXXX XXXX XXXX XXXX ( advised that we should do a short sale or deed in lieu ), State/Local ( Texas/Leander ) Representatives and the Texas Department of Savings & Mortgage Lending ( provided them an update via phone & email still waiting for a response ). We considered filing complaints through the Consumer Financial Protection Bureau & XXXX XXXX XXXX this weekend since the Lakeview/XXXX XXXX XXXX XXXX point of contact has not contacted us back in regards to our latest phone call to inform them that the additional damage claim was denied. We have received USPS mail requesting that the new contractor sign the contract with the new estimates ( to include the additional damages caused by Lakeview XXXX XXXX XXXX XXXX withholding funds ), contractors waiver of lien, internal revenue -9 and copy of contractors license ( not a requirement in the state of Texas ) which we are ready to send to them. We have not sent the documents in because we have a few questions for them ( Lakeview XXXX XXXX XXXX XXXX ) to answer but they have not returned our call. | ||||||
| 08/17/2022 | Yes |
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Web | Older American |
| Re : XXXX subserviced by Loan Care Loan # XXXX Gentlemen, I am asking for your help & intervention to resolve my issue regarding the above, I tried my best for the last several months to no avail! To date I do not know the status of my acct., I have been & continue to receive erroneous information have escalated the case to team leaders with no resolution! Here is what happened : I was impacted by the XXXX XXXX and was giving the option of a loan modification back in XXXX, XXXX, with a new mo. amount of {$2800.00}. I made the XXXX trial payments on timely bases, received, motorized and send back the documents. I received a set from the bank for my record, and was advised that the XXXX statement was soon arriving, so I can resume my new monthly payments. XX/XX/XXXX called, asked about the statement, was told, will be received shortly. XX/XX/XXXX called, rec. no stat. to date, made the XX/XX/XXXX payment. XX/XX/XXXX received text message from bank, to contact them, documents needed! XX/XX/XXXX spoke to XXXX, asked what docs needed? He advised non bedded, they were received on XX/XX/XXXX. XX/XX/XXXX another text message from bank, docs. needed! XX/XX/XXXX spoke to XXXX, advised that there was a bank error the capitalization was done incorrectly, new docs. needs he was sending another set. XX/XX/XXXX no docs.! Asked to speaks to a supervisor, was transferred to XXXX, in Loss Mitigation, who advised that the reason I am not receiving the monthly statements is because an error accrued with my XXXX trial & XX/XX/XXXX payments, they were not correctly applied to the account. She was going to request to be resolved and the payments appropriated to the correct months and she was going to call me on that following Monday. Monday, no call! XX/XX/XXXX spoke to XXXX, concerned about the status of my acct. and asked that I would like to make the payments, that I have not heard back from XXXX, she contacted her, told me that she is still working to resolve the payments and told me not to make any payments until the acct. is resolved, because it will confuse & delay further the situation. XXXX/XXXX called regarding status, was told XXXX is still working on the case, should be resolved soon! XX/XX/XXXX received certified mail with notice of intention to foreclose with a default amount {$61.00}, XXXX and monthly payments due of {$3600.00} from XXXX & {$3200.00} from XXXX which amounts I can not reconcile and none of the amounts paid anywhere reflected from what I received! XX/XX/XXXX spoke to XXXX, advised no docs received, received foreclosure letter with amounts that I can not reconcile, need an itemized statement as to what the {$61000.00} represents. She transferred me to kiss mitigation team leader XXXX. XX/XX/XXXX XXXX advised that since the documents were not signed on timely bases and according to the XXXX XXXX guidelines XXXX there is no choice but to apply for another loan modification which will take apx. XXXX weeks! I protested and told him that this is not acceptable, I reviewed what transpired and gave the dates that I was in contact with the bank, I did my due diligence, but I felt that Loan Care did not! He told me that if I what to keep my home, this is what needs to be done, otherwise I am going into foreclosure as of XX/XX/XXXX!!! He also mentioned that according to his records mail is being returned back, I advised him that there must be an error, since I gave not moved! He also advised that I should make the payment that is due in the amount of {$3200.00} which I agreed to and he processed. XX/XX/XXXX called spoke to XXXX, got disconnected! XX/XX/XXXX spoke to XXXX, transferred to loss mitigation on hold for more than 1 1/2 hrs. XXXX called back, spoke to XXXX, disconnected XXXX XX/XX/XXXX spoke to XXXX, she informed me that as of XX/XX/XXXX I was removed from Loss Mitigation since I did not qualify for a deferment! I informed her that I did not ask for a deferment! Explained to her the situation, she made few calls & advised that she was able to arrange for the documents ti be send to me via XXXX & will take 5-7 business days to receive. Gentlemen, to date I am not in receipt of any documents nor do I know the situation with my loan! | ||||||
| 10/02/2023 | Yes |
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| I am purchasing home with an existing VA at 2.25 % subject to the assumption. When I began the initial paperwork process, I was told that the loan servicer XXXX XXXX was the servicer and XXXX XXXX was the banker who would be completing the application for the VA assumption. When I spoke with XXXX, he stated that the only 2 criteria for the VA assumption was the XXXX XXXX of XXXX or higher, and funds for the balance of the loan. After completing his questionnaire with him on the phone, I said that I would review the file once more to see what he had filled in prior to signing. After reviewing, I noticed several discrepancies including the rental income I receive, property value of the home, and a few other items. I contacted XXXX on the phone ( he was on speaker and my mom also overheard the conversation ) and brought up my concerns and requested the loan application to be updated. He said he would make the changes but that it would not show up on the portal, just on the final closing docs ( email exchange included ). Again, XXXX said it did not matter the information as there was no Debt to Income qualification, only the XXXX XXXX requirement and just that I had the funds to close, but technically, did not need to provide proof of the and that I was approved for the assumption. I showed a majority portion of the down payment of funds and said the remainder would be coming prior to the close date, and he said an email explaining that was sufficient and the loan was approved. After several days and not receiving a formal approval letter from our phone conversation stating that I met the assumption criteria, I received an email from XXXX asking if my current primary residence was leased. I stated that no, I would not market my current residence for lease or enter into a lease without the loan approval notice in writing so that I had paper documentation and would be comfortable proceeding with the purchase of the home. XXXX came back a few days after that in an email saying that my loan assumption was denied because of the number of occupants in my current residence as well as not making the required debt to income ratios. I was never asked nor told that the current number of occupants in my household currently residing with me determines my loan eligibility. My brother is not applying for this loan with me. My dependent senior mom is also not applying for this loan with me, nor is a XXXX XXXX XXXX daughter ( both who are legally claimed dependents on my tax returns ). I was shocked to say the least that this was completely different from the original loan assumption criteria that I was told both verbally and in writing via email. I provided additional information for additional rental income and told XXXX that there was inaccuracies in the application and requested follow up for their underwriting changes and criteria as well as review of my additional supporting documentation.As if today, NO ONE has bothered to contact me, request any clarifying documents or called me. I requested, in writing, several times a copy of the phone recording from the verbal approval as well as documentation from his supervisor illustrating when the loan assumption criteria had changed. I also requested follow up regarding the debt to income ratio as well as a formal denial letter, which just arrived today that specifically states I do not make the debt to income requirements as well as having too many credit inquiries in the past 12 months. I have only had XXXX XXXX for a business credit card and the one that XXXX XXXX XXXX for the VA XXXX XXXX assumption criteria in order to assume this loan and confirm the credit assumption criteria. As a single mother with a senior mom and XXXX yr old daughter, this is not only a familial status but a gender and age discrimination. This is clearly evident as the lender has refused to provide any additional correspondence, provide the recording our of conversation after several written requests, and the criteria for the assumption changing AFTER being told I was approved for the assumption as well as refusing to follow up for updated underwriting criteria. This is a blatant discrimination case that is absolutely outrageous to be occurring in 2023. | ||||||
| 10/18/2018 | Yes |
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| We refinanced with our current home loan servicer of XXXX XXXX after being with them for over 5 years. We wanted to take the PMI off and also lower our monthly payments. We began the process in XX/XX/2018. It was going ok until closing when we had to sign paperwork three times due to errors. This did not give us confidence and was inconvenient as they had to meet us at our home to sign paperwork. We were told not to make anymore payments until receiving our new statement. So we received our first statement the week of XX/XX/XXXX. It stated that we owed {$530.00} and that an unapplied balance of {$430.00} was already received. So we paid the amount of {$530.00} thinking that this would be added to the already received payment of {$430.00} to make a full payment of {$960.00} for the month of XXXX. This did not happen. The {$430.00} was misapplied to principal only. Meaning that reflected we only made a half payment. We did not receive notice of this until XX/XX/XXXX. At which time I called customer service. They stated that nothing could be done and I simply owed the {$430.00} but they would put in a request to have it reviewed. Meanwhile we made another payment not wanting to fall behind. It was then that we got a notice that our Escrow had been shorted {$680.00}. And that our payment would be going back up to {$1000.00} which is what it was before refinance. Again we called customer service. We were directed this time to XXXX XXXX who saw that our escrow had been miscalculated and refunded the money. We thought this was solved but it was not. After we did not receive a monthly statement for XXXX we called customer service again and were told that again nothing could be done but that they would send us a statement and I should only pay the {$1000.00} and this would bring us current. I received that statement on XX/XX/2018. I put a check in for the amount of {$1000.00} as stated by the customer service representative. We waited for two weeks and my check never processed. Meanwhile we received a call from collections department at Lakeview Loan Servicing. We were told we were two months behind in payments. This was a shock and very upsetting. Collections would not escalate the call to anyone who would help. They sent us to a manager but she said there was not complaints department and no one could help us. We finally got a collections person to direct us to a supervisor with a direct phone number. We thought we would finally get help. He said he would review it with the Office of the Consumer. Then call us back. During this time we began to worry that our check was lost for our XXXX payment. We called collections and they said they had no record of a check at all. So on Monday XX/XX/2018 we placed a stop pay on the check thinking it was lost. And we on Monday XX/XX/2018 went online and made a payment instead even getting a {$10.00} fee to do this. We also called collections at Lakeview to let them know this is what we were doing. The very day that I made the online payment suddenly my check shows on the same day in our payment records online. Now it will not go through and Lakeview will think that we did not pay again. Even though we were told the check was not there and not received. This will also reflect that we are still behind in payments due to the misapplied {$430.00}. Now on XX/XX/2018 we speak again to XXXX XXXX. He informs us that they still can not reapply the {$430.00} and our payment will not go back down to {$960.00} because the Escrow shortage was not properly handled. The request for an escrow review was not completed. This was not our error. So he did agree to see if he could request that. He also requested to see emails that we received that the {$430.00} would be sent over with the loan to be a partial monthly payment. So we are sending those as well. We need your help to find the right person at Lakeview Loan Servicing LLC to correct all of these mistakes. Our credit has been hit due to this and we are so frustrated and upset that after being good customers for over 5 years that we can not get resolution! It has been a nightmare to refinance and we are sorry that we did it. I will never use an out of state loan service again. | ||||||
| 04/11/2019 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX I was notified by my mortgage company that they would disburse in excess of {$10000.00} for property taxes. My tax assessor sent the wrong tax amount initially and did not notify the mortgage company that a reassessment had been done making my tax liability {$3800.00}. I called the mortgage company and was told to e-mail the escrow department the updated tax assessment. I e-mailed escrow on XX/XX/XXXX explaining the mix up, providing the new assessment and requesting they not disburse more than the {$3800.00} owed to the tax assessor. I followed up on XX/XX/XXXX with a second e-mail and a phone call. I was told the {$10000.00} was already disbursed. I called multiple times to the mortgage company and tax assessor in XXXX to clear the situation up. I was told by the mortgage company there was nothing they could do since the money had already been disbursed and that the tax assessor would likely send the overage back. Despite the refund and providing the updated tax assessment, the mortgage company projected my upcoming taxes at over {$10000.00}. Therefore, when they did the escrow analysis at the end of XX/XX/XXXX, the calculated my new escrow payment to be {$1200.00} per month including a {$200.00} payment per month for an escrow shortage that doesn't exist. My total projected escrow disbursements is {$5500.00}, accounting for insurance and taxes. I called as soon as I got the letter. I was told the my inquiry would be sent to the escrow department for review. I called back a week later and asked for the status. I was told escrow looked at it and didn't see any reason to correct the payment. They were still showing my property tax would be over {$10000.00}. A very nice customer service representative realized that what I needed was the " tax line '' adjusted and my initial inquiry was sent to the wrong department. She stated she would get the taxes adjusted. She was true to her word and did that. I honestly thought the issue was resolved at that point. Despite the taxes being adjusted, my monthly escrow payment was not adjusted. I e-mailed the escrow department on XX/XX/XXXX, again, expressing my concern with the amount of my escrow account. I, again, requested an escrow analysis. I received an e-mail acknowledging my request and asking I give 5 business days for a response. I called back to check the status on XX/XX/XXXX. I e-mailed for a status on XX/XX/XXXX. I received an e-mail from the escrow department on XX/XX/XXXX stating my inquiry had been resolved and closed with no other explanation. I called on XX/XX/XXXX to ask about the closed inquiry. I was told that escrow was in the process of completing the analysis and these things " take time and we can't rush the escrow department. '' I have given the escrow department time. In fact, I have given the escrow department 4 months at this point to fix the problem. I asked to speak to the escrow department and was told there they had no way to take a phone call ( I guess there are no phones in the escrow department ). I asked what processes were in place to elevate this issue. I was told there were no elevation processes in place. I asked why the customer service rep couldn't call the escrow department since I couldn't. I was told she also had no way to call the escrow department and only a team lead or a supervisor could do that. I will admit to not being a patient with this rep as I could have been and I am sorry for that, but this is very frustrating. What kind of customer service industry company doesn't have an escalation process or a way to speak to someone who can actually help? I genuinely need this fixed. I am not in a position to pay an additional {$800.00} plus toward my mortgage payment each month? Does Lakeview want me to default? That seems to be the only explanation I can come up with to explain the complete disregard of my requests. At most, my escrow balance should be {$6500.00} per year or {$540.00} per month ( and that is high considering there is still over {$2000.00} currently in my escrow account ). This includes the XXXX cushion allowed by RESPA. To require me to pay {$14000.00} into escrow is a violation of RESPA. | ||||||
| 04/02/2020 | Yes |
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| This is a file to dispute the following incident. TIMELINE OF EVENTS- Company- XXXX XXXX Affected account- XXXX A Servicelink Company for Lakeview Loan Servicing Incident- XXXX XXXX submitted request for funds from XXXX for " insufficient funds '' on us as clients to XXXX XXXX, with no account number listed, no details provided to XXXX. Date of funds request from XXXX XXXX to XXXX XX/XX/XXXX Amount of funds request from XXXX XXXX to XXXX- {$4800.00} Funds cleared from XXXX to XXXX XXXX XX/XX/XXXX for {$4800.00}. XXXX XXXX reversed funds that were applied to XXXX XXXX payment of {$5000.00}, but stated that {$4800.00} were paid to XXXX XXXX XXXX ( WHERE IS THE REST OF THE MONEY? - {$480.00} ) XX/XX/XXXX & XXXX spoke with XXXX to investigate if any transaction request was made to them by XXXX XXXX XXXX No information was found with XXXX and XXXX XXXX. We have been at this address and financed originally with XXXX ( XXXX XXXX XXXX ) from XXXX. We HAVE NEVER been affiliated with a " XXXX XXXX '' account. XXXX investigated and confirmed all monthly mortgage payments cleared within this timeframe and there were no requests to them from XXXX XXXX, requesting any funds for insufficient payments. XX/XX/XXXX & XXXX spoke with XXXX XXXX to investigate if there is any transaction history on their end, related to this address and our client names, with the last 4 digits of our SSN. The representatives I spoke with both could not find or link anything with XXXX XXXX and our address, names or last 4 digits of our SSNs. Last spoke with XXXX, XXXX XXXX rep, on XX/XX/XXXX, her ext # provided to me was # XXXX. XX/XX/XXXX & XXXX spoke with a Supervisor at XXXX named XXXX , ID # XXXX. He could not see the information regarding the XXXX XXXX transaction requesting funds from XXXX, other than the submission of the request and the reason posted as " for insufficient funds owed to XXXX XXXX ''. There is no department or higher authority at XXXX for me to escalate this investigation or dispute of funds taken from our account. XXXX XXXX submitted an escalation to XXXX XXXX " Conversion Team '' to further investigate the transaction request by XXXX XXXX to XXXX of our names and account and funds. The escalation ID # at XXXX is # XXXX. XXXX said I am to expect a response in about 3 business days. XXXX did not provide me with a direct phone number or email address to reach him. Each time I call XXXX, I'm on hold waiting for a regular representative to pick up after 2+ hours of waiting on hold to get through. I have to repeat my story each time. XXXX XXXX paid XXXX " XXXX payment ''. XXXX XXXX applied this payment of {$4800.00} to XX/XX/XXXX payment, since XXXX sent XXXX payment to XXXX XXXX. Now, XXXX will be considered late if not paid by XX/XX/XXXX, RUINING OUR CREDIT, r/t payment passing 30 days. XXXX XXXX clients- filed a dispute of this incident to the CONSUMER FINANCIAL PROTECTION BUREAU ( cfpb ) to facilitate expedited investigation of LOANCARE Servicing agency and XXXX XXXX XXXX for the " MISSING MONEY '' removed from our account in the amount of {$520.00}, with {$4800.00} SENT TO XXXX XXXX BY XXXX. *Loancare also noted my account as " unpaid balance '' for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not true. This is completely inaccurate. XX/XX/XXXX payment was made and XXXX payment was paid and cleared through my bank. XXXX payment was paid and cleared and this payment was reversed and sent to XXXX XXXX by XXXX. XXXX payment I made on XXXX which XXXX then applied to the missing XXXX payment ( since they sent XXXX payment to XXXX ). XXXX called Lakeview Loan Servicing to inquire if they can investigate loan account discrepancy by XXXX to XXXX XXXX . I asked if they have someone with authority to look into XXXX transactions on our account. ( spoke with XXXX in the Managing Customer Service Dept ). This needs IMMEDIATE ATTENTION and RESPONSE to us as the client ( s ) NEGATIVELY AFFECTED and to investigate this transaction made by XXXX XXXX to our mortgage account with XXXX. PLEASE ACCEPT THIS REQUEST OF DISPUTE AND INVESTIGATION of funds removed and MISSING. Thank you | ||||||
| 10/11/2018 | Yes |
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| My mortgage is serviced by My Loan Care of Lakeview Loan Servicing LLC : Lakeview Loan Servicing, Attn : Mortgage Resolution, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. I began calling XXXX customer service on XX/XX/XXXX when I saw that they had only paid half of my XXXX County property taxes on XX/XX/XXXX. Please be aware that 1 ) They had paid my taxes in full in both XX/XX/XXXX and XX/XX/XXXX and 2 ) that in XX/XX/XXXX they sent me an Escrow Shortage letter requesting {$250.00} in order to have sufficient funds in XX/XX/XXXX to pay my taxes ( enclosed ). I called numerous times, advising that it was urgent that my taxes be paid prior to XX/XX/XXXX in order to receive the discount on the property tax payment. Well XX/XX/XXXX came and went with no response, resolution, or payment, and I lost the {$18.00} discount offered on the second half of my property taxes. I spoke with a Supervisor approximately XX/XX/XXXX who advised that he would submit for a credit to my account of {$18.00} for the issue. I proceeded to call every few days for the next 10 days or so, looking for an update and there continued to be no response to the payment of the taxes or the {$18.00} credit issue. At that time, I spoke with another supervisor, wherein I was voicing to her my frustrations at the previous events thus far and the lack of being unable to take care of my taxes myself. She then recommended that I close my escrow and that I could then pay them myself. She sent me an email with the information on how to do so. I then submit the request to close my escrow. I was mailed the escrow balance of {$3200.00} in two weeks! Two weeks to refund me that money but it had been 4 weeks since I called asking my taxes to be paid and 2 weeks since I was promised the {$18.00} credit, neither of which was resolved. So when I got the escrow check, I immediately called to ask if the {$18.00} was included first and I was advised it was not. I continued to call for weeks and weeks, having to repeat the story over, and over, and over and every time I kept being told that there was no response or resolution yet as to the {$18.00}. On XX/XX/XXXX, I demanded a Manager over the supervisor. Well she gets on the phone and tells me the following : 1 ) Yes, they made a mistake in not paying my taxes in full in XX/XX/XXXX. 2 ) That no one ever could have paid the second half of my taxes because only one large lump payment is sent once a year and since they messed up, it was impossible for the second half to be paid. ( When I asked why no one has EVER mentioned that before, she said she didnt know. ) 3 ) She admits XXXX owes me {$18.00} for failing to pay my taxes in full in XX/XX/XXXX. 4 ) THEN she tells me I can not have the {$18.00} because my escrow was closed! THAT IS NOT FAIR. I closed the escrow at the recommendation of a Loancare supervisor in order to PAY MY TAXES that XXXX was refusing to resolve! I have spent over 30 phone calls, over 20 hours on the phone, to get this resolved and they are just going to admit they were wrong and owe me money yet refuse to give it to me. I demanded to be escalated over that Manager on XX/XX/XXXX and she said she submitted it. I also sent an email through the Website last week, and no response to that. I called yesterday on XX/XX/XXXX at XXXX and put in the automated response for a call back and no one called back. Today, XX/XX/XXXX still no one had called me back. They continue to conveniently ignore me. I called today, XX/XX/XXXX. Had to once again repeat EVERYTHING to both a front line CSR and to a Supervisor, XXXX. The supervisor had nothing to say expect repeatedly stating I was told on the XX/XX/XXXX that I would not be getting the credit. She had no Manager available to escalate the call to, how convenient for them again. Supposedly I will get a call back from her Manager within 24 hours, however, with my past experiences over the last 3 months, I highly doubt that to be true. I do not know what else to do. How can this large corporation ethically withhold money due to me, that they admit they messed up and owe me, and choose to do nothing and get away with it? | ||||||
| 05/06/2020 | Yes |
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| I have an FHA loan on a home and have been trying to get the private mortgage insurance ( PMI ) removed from the loan for over a year. Through multiple written requests and 12-15 phone calls to Lakeview Loan Servicing, I have not been able to make any progress or receive any relevant information that would help me accomplish this. This issue can be easily resolved by Lakeview Loan Servicing providing me with simple information ( the balance of the loan needed to remove PMI ). This has now personally cost me more than {$2000.00} and will continue to cost me hundreds of dollars per month until it is resolved. This began in XXXX of XXXX when I was trying to make an additional bulk payment in order to get the loan down to 78 % of the value and have the PMI removed. This FHA loan originated prior to the XX/XX/XXXX law change which makes the loan eligible for PMI removal. An initial written request to Lakeview Loan Servicing ( per the direction of a customer service agent ) led to no response regarding how I could go about paying down the loan. Follow-up on discussions with customer service agents, customer service managers, as well as subsequent written requests led to similar results. The only documentation I have received from Lakeview Loan Servicing was a generic letter that states that the PMI or Mortgage Insurance Premium ( MIP ) can not be cancelled because the loan to value ( LTV ) threshold had not reached 78 %. I understood this and was simply trying to determine what dollar amount represented 78 % of the loan so that I could pay the loan down to that amount. I had multiple customer service agents confirm that the correct dollar amount to have the PMI removed was {$190000.00} ; which is 78 % of the loan value ( which is {$240000.00} ). However, I had other customer service agents provide different information including that the PMI could not be removed on the loan ( which is false ) and that they couldn't confirm the dollar amount because mortgage insurance is not handled by Lakeview Loan Service, but rather a third-party. I requested written details regarding the dollar amount needed to remove the PMI and was on multiple occasions told by Lakeview Loan Service agents and managers that I would receive a hard copy package in the mail with this information. To date, I have received no such package and still have no relevant information to assist in this. This problem has now worsened because my current principal balance on the loan is {$180000.00} which is 75 % of {$240000.00} loan ( and obviously well below the {$190000.00} that I was told was the threshold for removing PMI by a Lakeview Loan Servicing agent ). In a XXXX call to Lakeview Loan Servicing to resolve this issue, I was told by a customer service manager that the value of the balance of the loan required to remove the PMI was {$180000.00} though she could not clarify where this value came from. Subsequent calls and discussions with Lakeview Loan Servicing agents and managers could also not clarify the {$180000.00} and how the number was calculated. My balance is now below {$180000.00} and I am still not able to make any progress. My most recent request for documentation in XXXX of XXXX has resulted in another example of me being told I will receive information in the mail but never getting anything. I was told by a Lakeview Loan Servicing customer service manager that I would receive a package in the mail within 3-5 business days, but I never received anything. This is not an issue with a wrong address as I have confirmed my physical address with Lakeview Loan Servicing multiple times. I have met all the requirements to remove the PMI outlined in the original request denial from Lakeview Loan Servicing and according to the Consumer Financial Protection Bureau. I have : 1 ) Requested to remove PMI in writing ; multiple messages have been sent to Lakeview Loan Servicing with this request. 2 ) Always been current on my payments since the loan was established in XXXX. 3 ) Never had any liens on the home. 4 ) Paid the loan balance down to the point where it is less than 80 % of the value of the home. | ||||||
| 03/12/2021 | Yes |
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| Since XX/XX/XXXX we have had an ongoing back and forth with this company each time we call to resolve our payments. At the beginning of XXXX, we were notified that our escrow had a shortage due to taxes and a change in homeowners insurance, which was {$4900.00}. The letter stated that if we paid the shortage our new monthly payment would be {$2100.00} ; if we did not, it would be {$2500.00}. On XX/XX/XXXX we paid both the {$4900.00} ( shortage ) + {$1800.00} ( mortgage ) = {$6300.00} total. We later in XXXX receive the bill due XX/XX/XXXX, claiming we owe {$2500.00}. I called customer service and the representative stated the {$4900.00} was not updated in the account to discount the shortage and suggested the review before or that a review will be done before XX/XX/XXXX. On XX/XX/XXXX we paid {$1800.00} and were told that the online amount of {$2100.00} was for the XX/XX/XXXX bill. We received the bill due XX/XX/XXXX requesting we pay {$2500.00} AGAIN. I called customer service, and the representative said that it would take 5 days to process the payment ; the call was on XX/XX/XXXX. The last day to pay on time is the XXXX of every month. I called again on XX/XX/XXXX and XX/XX/XXXX to address and follow up on the same problem. I spoke with a supervisor, and he updated the information on the spot. We paid the new mortgage payment of {$2100.00}. Shortly after, we were told that we have another shortage in our escrow of {$3100.00}. I have called numerous times and I either have to leave a message, no one answers, constantly transferred between customer service, billing, and insurance, and getting hung up. We were told that it has to do with the change in insurance on XX/XX/XXXX and XX/XX/XXXX because the insurance costs more than the previous one. However, it does not explain how we owe THAT much after paying the shortage recently. I spoke with a representative on XX/XX/XXXX who checked with her supervisor and said that the {$4900.00} is in our escrow account, but it was not being applied to the shortage of {$3100.00}, and because the amount we paid was greater than the shortage amount, it means we have a surplus of {$1800.00} and the amount would be applied to the principal, but we requested to receive the difference in a check. The representative gave us case # XXXX. This representative said that the transfer would be processed by the following Monday or Tuesday. I called today to confirm that the transfer was processed and information was updated, and another representative told us that the {$4900.00} is in the escrow, but we still owe them {$3100.00} and told us that {$520.00} was taken out of our escrow to pay for the flood insurance on XX/XX/XXXX, but we paid {$360.00} on XX/XX/XXXX to XXXX XXXX XXXX to renew the flood insurance. We do not understand why more money was taken out for the insurance when we already paid it. We were transferred to the insurance dept, and the representative told us that we did not owe {$3100.00}, but {$650.00}. I have been calling at least every week since XXXX and everyone tells us something different. This is infuriating, draining, stressful, exasperating, unprofessional. The people working here are negligent, conniving, and or irresponsible. I can not trust that my money is being processed and managed properly, that its being placed where it corresponds. Every month theres a shortage or drastic amount of money that we owe, and the mortgage continues to rise. There is no consistency in the information were being told, and we have not been informed of the transactions that deal with money being taken from escrow. At this point, if we are not contacted and this case is not looked into in 72 hours, I have no choice but to do one and or more of the following : 1. Contact a lawyer ; 2. Contact Consumer Report ; 3. Contact an investigative journalist from a news channel ; or 4. Refinance with another company. This is affecting our psyche to work, and no one is giving us a clear answer. We keep going in circles every time we call and nothing changes or is resolved. I would not recommend this company to anyone if asked. | ||||||
| 05/07/2023 | Yes |
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| XXXX has failed to investigate my account properly and have continued to provide me with different answers as to why my account reflects delinquent and now will not accept any payment from me. I was informed on XX/XX/2022 my new due date from exiting Forbearance was XX/XX/2022. I was originally set to exit my Forbearance XX/XX/2022 and made my payment on XX/XX/2022. Recently i discovered none of my payment was applied to my mortgage not even the additional money i paid to go to my principal. I was informed by one rep that HUD actually underpaid that was what caused my account to reflect delinquent. XXXX repeatedly told me they were sorting the issues out my account and out of the blue in XX/XX/2022 began reporting the false delinquency to my credit, They did not provide me with a chance to prevent the reporting and could never tell me exactly what months started the delinquency. I was told on my last complaint that the Due date was XX/XX/2022 and if that is the case why was none of my payment in that month applied to the mortgage. Furthermore No representative ever informed me that XX/XX/2022 was a month i had to pay they ONLY told me that i was to begin paying XX/XX/2022 and in XXXX one of their Reps told me that XXXX was covered and i did not have to pay this call was between XX/XX/2022 and XX/XX/2022. If my account is Truly delinquent it is because i listened to the Reps at XXXX. These calls should be pulled and reviewed, unless they were purposely telling me this false information and failed to put the Correct date on the Documents i had to have notarized in XX/XX/2022. In addition to that if XX/XX/XXXX was truly my forbearance exit date Why would i still be Notarizing Documents in XXXX and there is proof that i had the second set of documents Notarized XX/XX/XXXX at XXXX. Despite speaking with escalations repeatedly and being provided different answers every time i have not received any help from XXXX and not one person at thay company has taken the time to investigate the issues i have brought forth. Another thing if XXXX was truly a month that i should have paid why was it not reported delinquent until XX/XX/2022. This should raise flags. I was NEVER informed that i owed for that month i was also NEVER informed that i owed for XX/XX/2022. They never gave me a chance they just told me lies saying that my Due date was XX/XX/XXXX and the second lie was that XXXX was covered. THE only reason my account reflects Delinquent is because i listened to the Information i was given by their XXXX. This is completely unfair and the only person paying the price is me at the end of the day. I am requesting all Phone calls be pulled and reviewed from XX/XX/2022 to XX/XX/2022. These calls will demonstrate not only the false information i was told that caused my account to fall behind but it will aslo show the Concerns i had during this ordeal and that i was told countless times everything would be ok and that i was not actually delinquent. It is not until Recently the Reps began to tell me they were going by the Dates on the " Documents '' i had notarized in XX/XX/2022 that reflected a XX/XX/2022 start date instead of the Actual Start date of XX/XX/2022 even though these same documents i was told had issues during the underwriting process. XXXX is destroying my credit and NEVER gave me the opportunity to prevent this. And my biggest concern is if XX/XX/2022 was my actual Forbearance exit date Why was NONE of my payment applied to my Mortgage that month and the Payment was placed in " SUSPENSE ''. This Company is unfair and LAZY if they dig deep into this issue they will see i am not wrong, Unless i am wrong for listening to them and following the directions they gave me when it came to exiting the forbearance. And why would the Rep from XX/XX/2022 LIE to me and say XXXX was covered. This LIE has ultimately cost me my XXXX and Credit score which i worked hard all my life to maintain. Please Investigate this issue and look past the Technicalities of the Documents and look at the details and listen to the phone calls that took place during this time. | ||||||
| 08/30/2022 | Yes |
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| I applied for a mortgage forbearance with XXXX XXXX effective XX/XX/XXXX I opted to extend it for a year total. I opted for a Loan Modification, it took time for them to send the paperwork and schedule a notary, modification was official in XX/XX/XXXX and XXXX XXXX told me to make payments while it was being processed. I made payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During this time the modification was not officially implemented. I called every month to check in with everything and make my payments. I made the exact payment they told me to make over the phone. In XX/XX/XXXX I receive notification my loan is being sold to Lakeview XXXX XXXX. Lakeview XXXX XXXX tells me I need to make payments while the paperwork is processed. I call 1-3 times a month checking on it and making the monthly payments they told me to make. The modification is not processed until XX/XX/XXXX. I made every monthly payment during this time. I called every month to escalate getting my modification processed. In XX/XX/XXXX Lakeview XXXX XXXX says I owe an overdue balance of {$3000.00}. I call and tell them this must be an error because I have made every monthly payment. I called twice a month from XXXX - XXXX. They said they were working on the error and escalating the issue. I make every monthly payment during this time. Then in XX/XX/XXXX they report me as delinquent to the credit agencies and this destroys my credit. It was above 800 and now is around 650. I call again and again and they said they can't tell me what they issue is and are continuing to escalate the issue. I had a few times where they promised to call me back when they had more info, and they never did. I keep calling and making my monthly payment and asking on more info on the issue. I call again in early XXXX to push the situation further because my credit score still shows as delinquent, even though I am making every monthly payment. I reach someone in the customer service department that researches these sorts of things. They tell me that XXXX XXXX applied 2 payments I made at the end of XXXX into " unapplied funds '' instead of applying it to a payment. This is the first time I have ever heard of " unapplied funds '', when I made the payments with XXXX XXXX over the phone they said it was being applied to the payments. So those came over to Lakeview XXXX XXXX as unpaid months. He tells me there is nothing that can be done to correct this and I have to pay the overdue balance to make my account current. I empty my savings to pay this overdue balance as I want it corrected with the credit agencies. I now think this nightmare is over. Then I receive a letter XX/XX/XXXX from Lakeview XXXX XXXX that my account is past due. I check online and the entire loan modification has been reverted back to the old interest rate and with around {$20000.00} due. I call Lakeview XXXX XXXX immediately. They tell me there was an error with my modification but can not tell me what the error is. They said they need to reach out to XXXX XXXX and re-do the whole modification. I push them that this needs to be resolved. I ask about the {$3000.00} XXXX paid in XXXX, that was on top of my monthly payment that I also paid, and they said that will be put in " unapplied funds '' and put towards the principal. At this point I am absolutely furious. I emptied my savings to pay this to get my account corrected and credit score corrected. I tell them that they MUST apply this to either future payments or refund the amount. They note that is my account but say they can not guarantee it. They say I shouldn't make my XX/XX/XXXX payment as it will likely end up in " unapplied funds ''. And that I need to wait. But they have been telling me this for 8 months, they tell me over and over that it will be processed in 10 days but it's been months at this point. This has been 8 months of XXXX, and almost a year if you count in XXXX XXXX as well. I signed my modification and have made every single payment to both companies. I even paid the $ XXXX overdue balance that wasn't an actual overdue balance. | ||||||
| 07/28/2018 | Yes |
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| Summary : I am a XXXX veteran and have my property taxes exempt in the state of Alaska. I have provided Lakeview Loan Servicing LLC documentation that the escrow evaluation they are billing me for is incorrect. They were informed of the {$0.00} balance as early as XX/XX/XXXX this year. They have been provided all necessary documentation but continuously perform new escrow evaluations with no changes and keep billing me for the incorrect amount despite all my efforts to have them correct it. What I have done so far : I have contacted them 30+ times now. I have left voice messages with managers & supervisors to contact me back, I have been hung up on by supervisors ( I was not rude, they just put me on hold until after their offices closed and the phone call ended ) -- they did not provide any way to return the call, the operators never provide their last name, number or NMLS/agent identification ), additionally the escrow department will not take inbound calls. When I have called, it was to resolve the issue of them increasing my escrow payment based on an incorrect estimation based on previous year 's taxes despite documentation provided. They recognize that it is incorrect and say they are escalating the issue ; it hasn't been escalated. Their response before XX/XX/XXXX was " you have to provide a bill for us to change the escrow ''. They were able to change it in XX/XX/XXXX without a bill though which didn't get issued until XXXX which resulted in me paying $ XXXX+ more dollars every month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). After informing them of the incorrect escrow they continue to tell me that it will be fixed in 5-7 business days, this has been going on for three months and is going to try to auto debit my account on the first for another incorrect amount. I call almost daily now, and they tell me " 5-7 more days and someone will reach out to you, and the overpayment will be refunded, '' but nothing ever happens. I have made 1 Star reviews on XXXX ( not that it makes any difference ), I have contacted my local tax offices and Tuesday I will be seeking legal counsel if this is not resolved. I am not paying another bill until my payments are corrected. I have sent them : Tax bill Exemption status My local tax offices have contacted them with requested information ( exemption status, tax estimation, bills, and plot maps with contiguous lot exemptions ) as well as informed them no taxes are due in a formal letter with their letterhead. What they have done besides cause financial hardship, serious frustration, and an inability to make other payments as well as over draft my account resulting in a {$25.00} overdraft fee : They have informed me that my payment is not due until theXX/XX/XXXX. XXXX ( manager ) and XXXX ( customer service ) said if I put a stop payment late payments will not be charged until the XX/XX/XXXX, and they would ensure that I would not receive a late payment until this issue was resolved but saying " my faith in that is low '' is an understatement based on the system level of incompetence I have encountered so far. I assume in 30 days when they still haven't fixed this problem, and the bill is still not fixed that I will get a default notice at which point I will seek legal counsel. They will not allow me to speak to the escrow department, the escrow department did re-evaluations and determined no changes even after getting all the documentation. They sent me a letter saying " shortage payment submitted -payment will be {$2000.00}, and it is due by XX/XX/2018 and if it is not submitted -payment will be {$2100.00} ''. Amounts : I owe {$0.00} on two lots, and they are trying to charge me {$1000.00} on one of them ( of 4 contiguous lots ), and I only owe for two other lots for bills for {$360.00} and {$39.00}. They sent me a bill saying I owe {$1100.00} when there was an overpayment of about {$690.00} already in the last three months as well as a disbursement payment to my county tax offices ( that shouldn't have been made ) in the amount of {$1000.00} in XX/XX/XXXX. | ||||||
| 02/05/2023 | Yes |
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| I am seeking agency intervention and involvement into the unethical practices of Lakeview Loan Servicing , LLC and XXXX RE : my mortgage account and excessive corporate billing fees. It is good to know that Lakeview Loan Servicing is committed to providing excellent customer service in good faith to their customers, according to Compliance Department Director, XXXX XXXX. I want to make certain that her office upholds to those professional company standards. I am requesting that her department and Lakeview/XXXX address the insufficient corporate fees and inaccurate loan amounts due on my loan account. XXXX XXXX indicated her office was unsuccessfully, unable to reach me via phone message, which is not completely accurate. Her office made a call to me from the phone number ( XXXX ), at approximately XXXXXXXX XXXX., on XX/XX/XXXX, but never left a message. I attempted unsuccessfully returning the call to XXXX XXXX office, receiving no response. At that time, I received an email, which I responded to ( please refer to supporting document ). To date, I have not heard from XXXX XXXX office, after submitting an email to speak with someone regarding my mortgage loan payment concerns and as to why the corporate fees are excessive. The corporate fees assessed to my loan are concerning. It appears that I am being excessively billed these corporate fees in the year XXXX, since I did not file for a bankruptcy in the year XXXX. And, no XXXX XXXX, of any sort has ever come out to my primary residence, nor was I made aware of any company doing so. After contacting the XXXX XXXX program on or about XX/XX/XXXX for a history ledger of payments submitted to Lakeview, I discovered additional payments were submitted to Lakeview Loan Servicing on XX/XX/XXXX in the amount of {$4300.00}, on my behalf ( please refer to supporting document ). The NYS HAF program informed me that Lakeview was well aware of the payments that were to be applied to my loan account prior to the date referenced above. However, I was informed by XXXX XXXX office that I would be responsible for making monthly mortgage payments starting XX/XX/XXXX. I have since received monthly billing statements with accrued late charges to be due immediately ( please refer to supporting document ). According to NYS HAF, this is not accurate. On XX/XX/XXXX, I received a Notice of Error Acknowledgement letter from Lakeview Loan ServicingXXXX due to my complaint, which XXXX XXXX neglectfully failed to mention to your office ( please refer to supporting document ). Also, XXXXXXXX XXXX XXXX XXXX XXXX, DXXXX XXXX indicated in her response, dated in XXXX of XXXX, that there is NO ERROR substantiated on the part of XXXX identified in the handling of my account. According to their responses in this matter, XXXX XXXX and XXXX XXXX appear to lack transparency and professional integrity for their unethical actions in this matter. On XX/XX/XXXX, I contacted Lakeview/XXXX Mitigation Department for additional assistance if possible, requesting an additional XXXX forbearance due to ongoing burdensome financial hardship, however, I have not received any feedback to date. In closing, I am demanding transparency from my mortgage lender and their affiliates. Providing my previous bankruptcy filings due to significant financial hardships and submitting irrelevant past modification offerings, which would have significantly increased my monthly payments by 25 %, are not of good faith policy nor would it have been in my best interest to accept such a financial burdensome modification at that time. LakeviewXXXX have receive a total disbursement amount of {$40000.00} from the NYS HAF program, bringing my loan account current. However, I am currently waiting for a response to see if I am eligible for a continued XXXX forbearance. There should be more agency oversight involved into the unethical practices of lending institutions and their violations of state and federal policies. I am looking forward to resolving this urgent matter. Thank you, | ||||||
| 07/02/2019 | Yes |
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Web | Older American |
| On XX/XX/XXXX my home, in XXXX, LA, was totally destroyed by a tornado. Subsequently my insurer, XXXX XXXX, issued me a check ( copy attached ) for payment of my policy in full {$330.00}, XXXX I received the check on XX/XX/XXXX and called the mortgage service company, Lakeview Loan Servicing , LLC ( LAKEVIEW ) of XXXX, SC. LAKEVIEW directed me to the website of XXXX ( XXXX ) where I created an account and read through the instructions. I was immediately struck by how vague everything seemed and was disinclined to endorse my $ XXXX check without at least asking someone else how this is supposed to go. Not one person I spoke to - my neighbors, attorneys, bankers, mortgage people - had any experience other than the mortgage company endorsed the check and gave it back to THEM. Finally on XX/XX/XXXX I signed the check and send it overnight. But I was stymied. There was literally no one to talk to that could tell me anything beyond the script in front of them. My first call to XXXX on XX/XX/XXXX was to request some forms ( attached ) which they required. I spoke to XXXX, she was very nice and explained that website wasn't working right and for me to wait a day or two and try again. When I asked her to email me the forms she said, " We don't do email. It's too risky. '' She offered to email the forms. It took over two weeks for me to receive them. Meanwhile in a few days I was able to download the forms a filed to receive a payment to pay my Architectural fees. So far nothing. My bigger issue, than trying to get {$20000.00} for the architectural fees, was the {$100000.00} or so that represented my equity - funds they were holding beyond my mortgage balance. I got nowhere. I did have one phone rep ( not XXXX ) tell me " It is illegal for us to keep that money ... '' as if the fact that it was illegal automatically meant they wouldn't do it. I laughed out loud at her. I spare you the rest up until today. Today, I took a different approach. I called my original mortgage broker and told him I need the name of their general counsel so my attorney could name them in my suit. In a few minutes I received a phone call from XXXX XXXX, CFO of XXXX XXXX, XXXX, NMLS LOC ID # XXXX T : XXXX XXXX | XXXX XXXX XXXX F : XXXX XXXX XXXX E : XXXX W : XXXX Mr. XXXX was very attentive and sensitive to my situation. His suggestion was that I file a complain with CFPB. He also provided me with the information of the LAKEVIEW CEO : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX Tel:XXXX So here we are. In terms of timeline Mr. XXXX called me while I was having lunch with my wife around XXXX XXXX. He followed up with an email at XXXX XXXX and promised " Well try to reach out through our channels. '' Shortly after his email I was on the phone with CFPB 's rep XXXX XXXX. She walked me through your process. While I was on the phone with her, I looked at the XXXX website again and discovered an entry - not there before lunch - that my claim had been escalated for " REVIEW '' on XX/XX/XXXX, last Friday. Less than 30 minutes later I checked again and happily discovered that my check had been " APPROVED. '' By XXXX they had posted a XXXX tracking number. Mr. XXXX said he had not influenced LAKEVIEWs actions. I think that is unlikely. So what next? I am still XXXX. According their website they will issue {$40000.00} immediately, 50 % at some interim point and the rest upon final completion and acceptance. Zero detail on what " interim '' is or what " final completion is. '' At this point I've only been promised the funds that are lawfully mine ( and unlawfully held for a month ) although I can presume I'll have them tomorrow. As they are unlikely to send certified funds I'll likely have to wait for collected funds before I can use them. It's clear to me in order to rebuild my house I will have to pursue construction financing on my own. This is unacceptable as I continue to make mortgage payments while they are holding my money at zero interest. | ||||||
| 03/06/2023 | Yes |
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Web | Older American |
| XX/XX/XXXX Regarding : Flood policy : XXXX Loan Number : XXXX On XX/XX/XXXX I signed into my mortgage account with Lakeview. At that time I saw that the flood insurance had not been paid from the escrow. I called the company who covers the flood insurance XXXX XXXX XXXX XXXX XXXX and spoke with the front desk. The front desk said they would transfer me to my agent XXXX because it looked like there was a problem. I was transferred to XXXX at XXXX XXXX XXXX who said she would handle. She tried to update then said it was too late to pay at the previous rate. She said the policy had expired the day before. She stated that she has emailed me and that she has called me. I told XXXX I had not received anything and asked her what email she had for me. She then stated -- oh I don't have an email or telephone number for you. I then gave XXXX my email and telephone number. I was then quoted a price greater than three times the amount of my previous payment. I told her I would call her back which I did and left a message for her to return call. I called the mortgage company who said they had submitted a request from the agent multiple times and had not received an invoice. XXXX sent an email with a copy of billing notice dated XX/XX/XXXX for {$640.00} which she said had been sent. I didn't receive bill and I probably would have ignore bill if I received because second page of notice regarding premium notice states " If you have already submitted or if your mortgage lender pays your policy premium from an escrow account, please disregard this notice. '' I then reached out to Lakeview who said they didn't have anything. I called XXXX at XXXX XXXX 's office and merge the calls questioning both on why my insurance wasn't paid. I have told them both at this time from my prospective this looks shady I questioned the integrity. XXXX quote a price of {$1900.00} and asked if I wanted to pay. I thought I would, but then realized the financial burden was not mine. My loan payments should cover the charges and I didn't not cancel my policy. My policy was cancelled due to Lakeview not making a payment. I asked XXXX with XXXX to send me the information which she sent via email. Of course I did not make payment because my escrow is to pay. Asked XXXX if she could have XXXX XXXX return my call. On XX/XX/XXXX XXXX XXXX with XXXX returned my call. XXXX XXXX said my flood information was entered into the required system. I believe he said it was XXXX as required and that Lakeview didn't make payment. Insurance was not paid by Lakeview so I do not have coverage that my escrow with Lakeview should have paid before XX/XX/XXXX. I had called Lakeview on XX/XX/XXXX and spoke to XXXX who stated that Lakeview would pay the bill when received. The problems are : My mortgage payment increased in XXXX. The reason stated by the Lakeview was to cover taxes and insurance. My flood insurance in XXXX was {$560.00}. The copy of notice sent to me that was due XX/XX/XXXX was {$640.00}. The new figure ( after Lakeview didn't pay ) is greater than {$1900.00} That would be a cost greater than {$35000.00} for the remainder of the loan. If I live to be XXXX ( my grandmother was XXXX when she passed ) that would cost me greater than {$65000.00}. I sent all this information to Lakeview on XX/XX/XXXX and still have not received satisfying solution. I received a letter saying I must have flood insurance. I would have flood insurance if they had paid the bill. I have checked escrow account this month and they still haven't paid flood insurance. I have continued to make regular principal, interest and escrow payments based on the original amounts prior to their mistakes. They have attempted to refund the escrow amounts to coverup their negligence but I haven't cashed any of the checks. I received quotes today and the flood insurance continues to go up ( {$2300.00} ). Lakeview needs to find a solution that requires no financial burden to me. Regards, XXXX XXXX | ||||||
| 08/26/2019 | Yes |
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| As advised by the CFPB, since the company failed to call me back as promised by XX/XX/2019, I am filing a new complaint. Below and attached is a summary of the communications to the company advising I did not concur and requesting company to refund me for the fees and charges since the original wire transfer on XX/XX/2019 and to reverse all negative reportings to credit agencies since the original wire transfer. The company failed to provide requested information and a new payoff statement during the XX/XX/2019 phone call and did not respond to the closing attorney 's email reqeust which included the returned wire transfer. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I received a phone call today XXXX XXXX from XXXX/Lakeview point of contact name XXXX ID # XXXX regarding the response to this complaint filed by Lakeview/XXXX that it was considered closed and that per my email below that I did not concur. We discussed my email notification ( see attached email XX/XX/2019 ) and that I did not agree the complaint was resolved based on : the original wire transfer was sent on XX/XX/2019 and XXXX/Lakeview return of the wire transfer in the amount of {$210000.00} ( as per payoff statement requested on XX/XX/2019, issued on XX/XX/2019 and amount good through XX/XX/2019 ). The closing attorney had no knowledge the wire transfer was not accepted until it was returned on XX/XX/2019 a week after closing on the property which was on XX/XX/2019. On XX/XX/2019 the closing attorney XXXX XXXX of XXXX XXXX XXXX, myself and XXXX/Lakeview had a conference call with XXXX/Lakeview trying to resolve the return wire. Ms. XXXX was asked by XXXX/Lakeview to provide documentation of the return wire ( in which she provided XX/XX/2019 via email ) and promised a response to resolve this matter so we could payoff the loan. She never received a response nor received the requested fax of a new payoff statement. It was not communicated from XXXX/Lakeview that the escrow account was short in the amount of {$370.00} during the call. The only documentation we had for the payoff was the original payoff statement which was good through XX/XX/2019 ( the property settled on XX/XX/2019 and the original wire transfer was sent on XX/XX/2019 ). On XX/XX/2019 XXXX/Lakeview escrow account was short funds to pay the insurance but it was NOT until I received via in US Postal Service a hard copy of a new payoff statement received on XX/XX/2019 that I was aware of this amount due. This new payoff statement was issued XX/XX/2019. Had XXXX/Lakeview communicated the escrow shortage amount of {$370.00} at the time the wire transfer was sent on XX/XX/2019 and/or during the conference call on XX/XX/2019 we would have immediately wired the shortage. Unfortunately due to lack of response from XXXX/Lakeview and after multiple requests from both myself and the closing attorney to resolve this matter XXXX/Lakeview continued to charge interest and other fees which totaled {$210000.00} per a new payoff statement requested on XX/XX/2019. I immediately filed this complaint following my last call to XXXX/Lakeview begging to resolve this matter and was told XXXX/Lakeview would not issue a new payoff statement for wire transfer in the amount of {$210000.00} and include the escrow shortage in amount of {$370.00}. The overage amount I have paid is in the amount of {$600.00} and the amount I am requesting be refunded by XXXX/Lakeview to me. I continue to get notifications from credit reporting agencies that I am delinquent on this mortgage and having a negative impact on my credit score. I also requested in my complaint that XXXX/Lakeview remove all negative reporting to all credit reporting agencies they made since the original payoff wire transfer on XX/XX/2019. I was assured by XXXX ( ID # XXXX ) today that I would receive a response regarding our phone call today no later than Monday XX/XX/2019. | ||||||
| 09/18/2019 | Yes |
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| I sent a written request to XXXX/Lakeview Loan Servicing in XX/XX/XXXX to remove my Property Mortgage Insurance ( PMI ). Due to my inability to make contact with XXXX/Lakeview, I proceeded to file a XXXX complaint which resulted in me receiving a phone call from XXXX several days later. The representative explained the process of requesting PMI removal and submitted a request for an appraisal on my home. She explained that I would need to pay an appraisal fee in the amount of {$580.00}, and then they ( the lender ) would choose the appraisal company to perform the appraisal. Within a week of paying the fee, an appraisal company, XXXX XXXX XXXX, contacted me to schedule and appointment. The appraisal was scheduled on XX/XX/XXXX. I spoke with the appraiser, XXXX XXXX, on XX/XX/XXXX to ask him if I needed to go to the City of XXXX to get a copy of the permit for a 192sqft in-law suite I had constructed in my backyard. He insisted that it was not necessary. I assumed that he had other resources to verify that this substantial improvement was permitted by the city. When the appraiser arrived at my home, I pointed all several improvements including : flooring, window treatments ( shutters ), kitchen improvements, outdoor concrete additions, complete backyard landscaping ( built in BBQ and fire pit with built in seating ) and a 192sqft city permitted in-law unit complete wit insulation, electricity, etc. The appraiser that this upgrades would be considered overall improvements on the home. He also stated that if he could not find a comparable home with a similar in-law suite XXXX that my in-law suite addition would hold no value to my home. The appraiser took photos of each room in my home and my backyard, however he did not ask questions nor show any interest in the several improvements made on my home. We received the appraisal report about a week later. The appraiser valued our home at $ XXXX. He included 6 comparable homes which had very little to no comparison to our property. While reading the Addendum on the report, the appraiser failed to mention or list ANY upgrades or improvements. He referred to the in-law suite as a " game room ''. He also stated in his report that he could not locate recent sales within the subdivision sold within the last 180 days. When asked why he did not include the property 0.2 mile from my home at XXXX XXXX XXXX XXXX Ca which sold for $ XXXX on XX/XX/XXXX, the appraiser did not respond. This home is the EXACT color, model, elevation, square footage, and has a smaller lot size. Our request to remove PMI was ultimately denied due to the lender appointed appraiser devaluing our home. According to The XXXX XXXX XXXX XXXX, it is an appraiser 's duty and responsibility to " develop the appropriate and applicable credible conclusion and opinions with a high degree of accuracy ... '' The appraiser has every obligation to avoid providing false value of conclusion and opinions. I sent a written request to XXXX on XX/XX/XXXX disputing the denial of my PMI request and requesting a reconsideration of value on my property, as the appraiser provided an inaccurate and incomplete report. LoanCare contacted me on XX/XX/XXXX and gave me the options : pay down the principle ( over $ 10k ), request and PAY {$580.00} for another appraisal, or provide them with 5 comparable homes and a list of improvements on my home. This is an unacceptable resolution. The appraiser, whom XXXX hired, neglected to correctly perform a service. I shouldnt have to seek remedy, nor should I have to pay for a new appraiser. I should not have to do the job that the appraiser failed to do. It was the appraiser 's responsibility to include my improvements in his appraiser report. How can you accurately determine the value of a home without including it's improvements. It is evident that the value given in the report is not accurate. The lender, XXXX, should be fixing this issue and should be held accountable, along with the appraiser. | ||||||
| 09/19/2023 | Yes |
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Web | Servicemember |
| My husband and I are in the process of assuming a mortgage loan owned by Lakeview. The loan is currently under my husband and grandfather-in law. I am assuming the grandfather 's position on the loan. I am concerned with two of the fees Lakeview is charging at time of closing. I have reviewed FHA Mortgagee Letter 2016-24, which states the following : " Processing Fee and Other Costs ( II.A.8.n.vi ( A ) ) Mortgagees may charge the assuming Borrower a processing fee that is reasonable and customary not to exceed a maximum of {$900.00}. The Mortgagee may charge the assuming Borrower other costs in accordance with Allowable Charges Separate from Assumption Processing Fees. Allowable Charges Separate from Assumption Processing Fees ( III.A.3.b.ili ( A ) ) The Mortgagee may charge the assuming Borrower reasonable and customary fees not to exceed the actual costs for third party expenses incurred in connection with assumption processing : non-refundable fees for credit reports and verifications of employment ; and up to {$45.00} for fees for the preparation and execution of release of liability forms ( form HUD 92210.1, Approval of Purchaser and Release of Seller ), where a Borrower requests an executed release of liability form as evidence that the Borrower was released during a previous creditworthiness review. '' I have also reviewed the HUD handbook Section III.A.1.f. Servicing Fees and Charges which states the following ( asterisks added to the relevant portion ) : ( ii. ) ( C ) Prohibited Fees and Charges The Mortgagee must not charge the Borrower for the following services : costs of telephone calls, telegrams, personal visits with the Borrower, certified mail, or other activities that are normally considered a part of a prudent Mortgagees servicing activity ; ****Mortgagees use of an independent contractor such as a tax service to furnish tax data and information necessary to pay property taxes or make the payments on behalf of the Mortgagee ; **** preparing and providing evidence of Payoff, Reconveyance, or termination of the Mortgage ; providing information essential to the Payoff ; recording the Payoff of the Mortgage in states where recordation is the responsibility of the Mortgagee ; or fees for services performed by attorneys or trustees who are salaried members of the Mortgagees staff. Lakeview 's loan estimates include a {$200.00} " attorney review fee '' and a {$75.00} " tax service '' fee. I inquired about these fees with our loan processor, XXXX XXXX, and received the following response : " The {$200.00} attorney fee is paid to XXXX XXXX. This is the law firm that prepares the Assumption Agreement document. This is their standard fee and is charged on all Assumption loans. The tax service fee is payable to XXXX XXXX, the title company. All fees disclosed on the final Closing Disclosure are allowable charges for Assumption loans. '' Based upon my review of the FHA regulations, I do not believe these fees are " allowable charges. '' Lakeview charges a {$900.00} assumption fee. I believe the " attorney review and tax service are a cost of doing business and therefore the {$900.00} fee authorized by FHA regulation is inclusive of those services. The only fees they are allowed to charge are for, above the {$900.00} assumption fee, is for credit reports/verification of employment and release of liability. I would also note that I do not see that an attorney review is required anywhere under the FHA regulations, and I take issue with the fact that if this is mandatory we can not chose the attorney. I also just don't think it makes any sense, as the assumption paperwork, deed, etc. are all boilerplate documents attorneys typically have no involvement in a closing or purchase. With regard to the " tax service '' fee, all three of us are on the title currently. The taxes have been paid-up. Our escrow amounts are correct. What service is the tax service providing? There are zero taxes due. | ||||||
| 12/07/2018 | Yes |
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| My first mortgage payment of XXXX was due on XX/XX/18. Payments made include : I sent a check for {$160.00} which was cashed by company on XX/XX/18. I sent another check for {$160.00} which was cashed by company on XX/XX/18. I made an online payment for {$320.00} which was credited to my account on XX/XX/18. For a total of {$650.00} received by the company on XX/XX/18. On the billing statement from the company it says in regards to partial payment : " Partial Payment : Any partial payments that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' I have made payment in full, and early, and it has still not been applied to my XX/XX/XXXX payment. I had sent my first payment of {$160.00} because I wanted to confirm that it would go to the correct company, and be applied appropriately. I called on XX/XX/XXXX and spoke with a representative. At that time she told me that they did not like taking partial payments, but since this was my first payment, if I would pay the balance she would put in a note to have it applied to my XX/XX/XXXX mortgage payment. I told her that I already had a second check for {$160.00} being sent from my bank, and it was too late for me to stop that processing. She said she would make note of it, and I should pay the balance of {$320.00} so that exact payment would be made. She stated their system did not have capability to process partial payments on a mortgage account, but she would make note of our conversation and recommend I call back to confirm money was pooled and applied. I then went online, and made an online payment for {$320.00} which was credited on XX/XX/18. On XX/XX/18 I checked online, and saw that payment in full had been recieved on XX/XX/18, but had still not been applied to my account. I called and spoke with XXXX, and explained my situation. She told me that there was a note regarding my conversation on XX/XX/18, but funds were not applied to my payment. I asked her to please have these applied to my mortgage payment. They had recieved payment in full well in advance, and it is still not applied. She told me to hold on, then someone else answered, and identified herself as XXXX. I explained the situation to XXXX. She told me that funds had not been pooled and applied, but that she was processing it right now, and it should update to my account by XX/XX/18 for me to view online. I confirmed with her that would be my full XX/XX/XXXX payment due, and it would be credited as on time. She confirmed this. XX/XX/18 I went online to check my account, and the funds have still not been applied to my account. I called customer service again, and spoke with XXXX. XXXX stated that there had been a request for only {$490.00} from payments received on XX/XX/XXXX and XX/XX/XXXX to be applied to my payment and I would need to make a payment of the difference of {$160.00}. I told her that I had already paid that {$160.00} and company posted it XX/XX/18. That I had made payment of {$160.00} and {$320.00} and {$160.00} which equaled my payment of XXXX in full, and they had received it all by XX/XX/18 and it still was not credited to my payment. She said she did see a note about it, and " it was pulled, but never applied '', but she is putting in another note to have full amount applied. She then told me that it may take up to XX/XX/18 for it to update, and me to be able to confirm online that my XX/XX/XXXX payment has been credited. But she did confirm that I would be credited with payment for XX/XX/XXXX, and my next payment would be due XX/XX/XXXX. The company statement says that payment in full will be credited, as I quoted above, and my payment in full was received and cashed by the company 13 days early. I have called 3 times requesting it be applied, and told each time that it would be, and it still isn't. | ||||||
| 02/10/2017 | Yes |
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| I contacted the company in early XXXX after receiving a flyer in the mail about refinancing. When I talked with XXXX XXXX, he told me the required documents I would need to get to him and noted that if it went ok we would be able to close on the refinancing deal the 2nd week of XXXX. I knew that was n't a solid date, but I was ok with it if we closed by the end of XXXX. I got them all required documentation ( via upload to a website ), and they let me know that the next step would be to get an appraisal. To this point, they were pretty good about communication. I waited XXXX to 4 weeks to hear from somebody about getting an appraiser schedule. During that time, I received several suspicious emails with no company information or contact info that I needed to call a number to pay for an appraisal. I brought this to XXXX attention that it looked like a fishing email scam, and I would not proceed unless he could verify them. He directed me to call a number to pay for the appraisal. When I called the number, they simply asked for my loan number and then my credit card number. This was very unprofessional and very fraudulent looking. But since XXXX had given me as assurance that everything was on the up and up, I gave my credit card number to pay for my appraisal. I had to reach out to the mortgage company after the XXXX - 4 weeks to find out why I had not had an appraisal. They acted surprised that nobody had contacted me. They told me they would look into it. I gave them another week before before calling them back and asking if they resolve any issues with the appraisal. The next day I received a call from a local appraiser and we scheduled an appointment for the appraisal. It was now mid-XX/XX/XXXX. After the appraisal, I waited another month before I finally had to reach out to the company to find out what was going on and why no one was talking to me. They wanted to know if the appraisal had been done. I received a copy in the mail 10 days earlier, and they had not gotten a copy. So, I was the one who had to send them a copy. The appraiser never sent the mortgage company a copy the appraisal. For the price I paid for the appraisal, they should 've been able to do that. I was specifically told the appraiser would provide the copy. At this point in the process, I 'd probably dealt with XXXX to XXXX different people under different company names. I would get random emails from the same or different companies acting as though they were somehow involved My primary point of contact till now was XXXX XXXX and XXXX XXXX. Although they both acted as though they worked for different companies, I later found out that they work for the same company. I still can not figure out why they would do this unless it is in order to deceive customers. After I sent the appraisal, I waited more weeks and still never heard back from them. Every time, to this point, I had to initiate contact to find out what was going on about my refinancing loan. It felt more and more shady and fraudulent every day that went by. They sent us revived paperwork to sign and told us everything was ready to go except that they needed to verify that I had a certain amount of cash in my checking account. Between my wife and I, we had done almost a dozen mortgage and refinance loans. No one has ever asked to make sure that we had a certain amount of money in our checking account. This is when I decided to get the CFPB involved. Everything they have done has felt very wrong, but this seemed across the line. The request did not seem legitimate, and I am worried they are planning on using my personal information to steal money from my account. I asked for both of their managers contact info, but only received XXXX 's manager contact info. I called her and left her a message but I never heard back. It should never take 4 months to refinance a home. This is unacceptable. | ||||||
| 03/14/2022 | Yes |
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| I have several concerns about how my mortgage company has addressed my application for COVID relief and their follow-up in the months after being told I was approved. My account has always been in good standing, I've never had a late payment. I experienced job loss due to COVID and contacted them in XXXX to ensure I could continue to maintain my account good standing while I worked on securing other employment. I even continued to make payments during my COVID relief forbearance period. Please see the issues outlined below : XXXX ) False and inconsistent messaging about COVID relief process and repeatedly delaying approval -- - In XXXX I contacted Lakeview Loan, my mortgage company, to apply for COVID relief due to job loss. I called after the first of the month so my mortgage was technically late at the time. Instead of sending my application through they made a note in their system that my mortgage was not late and so I was not approved. When I contacted them to get clarification the customer service rep confirmed this was NOT the standard process and also advised that approval should never take more than 7 business days. It took over 30 days, multiple calls and ultimately an escalation to a manager to get my approval completed. In addition, each time I called for resolution they had a loan adjudicator contact me directly asking if I wanted to refinance. I felt that they were intentionally delaying my application in hopes I would refinance instead of going on forbearance. This caused a great deal of stress and concern on my part as I was trying to get approval before my company moved forward with eliminating positions. XXXX ) Inaccurate verbal and written communication about the status of my account -- - While I understand that XXXX would send letters notifying me of my balance and past due amounts, I began receiving alarming and false letters shortly following approval for forbearance. In addition, my account did NOT reflect that I was approved for COVID relief despite being told over the phone that my approval had been extended through XX/XX/2022. I had to contact XXXX several times via email and phone to get my account updated accurately. In short, the letters stated I had ignored their requests to have a face to face meeting about my past due balance. Other letters warned that my property may be subject to inspection and that I would be responsible for the associated fees. When I called to inquire about the letters above customer service at XXXX advised that they didn't know why I received the letters and this must have been " a mistake ''. XXXX. Deceptive debt collection practices -- -- I continued to receive letters in XXXX and XX/XX/2022 ( after I was told these letters were sent in error ). These letters didn't just state I owed a balance, what concerned me is that they still contained information indicating that I'd not responded to their offer for a face to face meeting or other attempts to resolve my account. It also said my account was now " in default ''. I called XXXX last month to once again attempt to get clarification. The person I spoke with in their debt collection department told me that these were " just informal letters ''. I know that no letter about a debt owed is ever " informal '' and it's extremely alarming that they would attempt to mislead me in this way. I feel very suspicious of this company 's intent and the way they handled my account. I am writing in hopes to get accurate/consistent information once and for all, to ensure the safety of my home and account standing, and protecting other consumers from their deceptive practices. I want Lakeview Loan to be held accountable for providing CONSISTENTLY accurate information about mortgage accounts. I can not believe anything they've shared because each letter or verbal communication from them contradicts itself. | ||||||
| 01/17/2023 | Yes |
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| Lakeview Loan Servicing and XXXX XXXX STOLE my house from me on XX/XX/XXXX while misleading me to believe I had an approved modification and had been accepting my payments for five months. This was a wrongful foreclosure. There was no sale date notice sent to me as the primary borrower. I received no communication about missing modification paperwork. There was no follow up or warning. I was completely blindsided to find out my house sold. I have most of the delinquent amount and could have reinstated the loan but no one told me what was going on. This is wrong and unethical and a violation of Alabama law. I have owned my home since XXXX. I never had a problem making payments until Covid 19 hit my county and the XXXX XXXX XXXX I worked at cut hours and then laid me off and then closed down. I had just gone through a divorce so money was tight since I was paying by myself but I continued paying on the mortgage for almost a year by draining my 401K when I had little income coming in. When I could not afford the payment any more Lakeview offered me a forbearance where I could hold off on payments for 6-9 months and then they said they would work with me to restructure the loan or put the missed payments into a deferred balance or silent second or partial claim. When the forbearance ended I spoke with customer service and submitted modification paperwork. I was told in XX/XX/XXXX that I had been APPROVED for a loan modification, and that my new payment would be approximately {$1000.00} a month. No one said there were additional papers needed, no one said I needed to sign anything they just said I was approved and to start making payments. I began calling in a mortgage payment to Lakeview customer service monthly near the XXXX of each month. I called in payments in XXXX, XXXX, XXXX, XXXX and XXXX. Each time I was given a confirmation code that the payment had gone through and my account had funds available to cover the mortgage payment each time I called in. I want to know what happened with these payments, where were they applied or if they were not accepted why did they give me confirmation code and fail to notify me?? When I tried to call in my payment in XXXX I was told that Lakeview would not accept the payment because I had not sent in the required documents. This was the first I had heard of this, no one said anything on each call that I made to make the payment, they just told me the amount and gave me the confirmation number. The agent told me that Lakeview needed information on the divorce to show that the house was awarded to me as well as other paperwork for my new job and income. I got all of the documents together and sent them overnight mail to LakeviewXXXX XXXX. I called to verify that the documents were received and they said they got them and would review and they would let me know if any other documents were needed. NO ONE SAID THAT I HAD AN UPCOMING SALE DATE. I had been APPROVED for a loan modification and making payments for 5 months!! No one NOTIFIED ME AS REQUIRED THAT THERE WAS A SCHEDULED SALE DATE on XX/XX/XXXX. Lakeview and their law firm XXXX XXXX has no proof of service for the Notice of Sale to me. My ex-wife is the one who found out the house sold from the newspaper. I asked her if she had any letters or notifications from Lakeview or the law firm regarding the foreclosure. Turns out she had come to pick up her mail multiple times and taken some of the mail relating to the mortgage. The problem is that the NOS letter states and attests and swears that I received the Notice of Sale documents via certified mail, but that is a lie. I never saw the notice, I never signed for the notice and they do not have any evidence that I was properly served and notified regarding this sale. The is a wrongful foreclosure and Lakeview engaged in unethical servicing practices. | ||||||
| 10/27/2016 | Yes |
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| My husband and I reached out to Lakeview Loan Services after having received correspondence from them about refinancing our loan under the FHA streamline refinance program.After over 2 months, we decided not to close as they continually made false statements, i.e. no cash to close ( we have both voicemail & Emails wherein they specifically assure us that there would be no cash to close ) only to have the title company email us at the very last moment stating that we needed to have a check at closing.On our initial call, XXXX/XXXX/16 we were told on the phone by XXXX XXXX that our new mortgage payment would be lowered to a high {$1700.00} a month, then when the first closing disclosure forms came in it was {$1800.00} a month.Then, even though it was indicated on the Loan Application form that we would be adding my wife to the title, we received a call and email from the title company on XXXX stating that a deed would have to be prepared to add my wife & asking for a copy of our owner 's policy from when we purchased the home and stating that if we did, we may qualify for a title premium discount.Needless to say, we provided the owner 's policy but no sign of a discount anywhere within any of the closing disclosure forms we received.After that, we received yet another loan change form this time stating that " on XXXX/XXXX/2016 a XXXX deed preparation fee, a XXXX recording fee and a XXXX city tax stamps were added due to adding wife to title per borrower 's request. '' On that disclosure form, the closing costs went up yet again.On XXXX, XXXX/XXXX/16, we received a voice mail from XXXX indicating that if we make our XXXX mortgage payment that we would we would be able to close without having to bring cash to close and that the {$370.00} leftover can be applied to the loan.We emailed XXXX and told him that we will go ahead and make the mortgage payment for XXXX that afternoon so that we can proceed that way. This was done and yet another batch of closing documents were sent to us now reflecting that the estimated cash to close was $ XXXX.We asked that they reply via email with an explanation and they stated " these are not the final numbers. The document are to reflect only the change in the loan amount. I updated your file once your payment had posted to the website. This was done after the change of the loan amount. Final documents will be sent to you once I have final approval. There is no money due at closing. I apologize for the confusion. Thank you! '' On XXXX/XXXX/16 we received yet another email with a new set of numbers from XXXX XXXX with a breakdown of our new mortgage payment ( which was not the amount on the disclosure forms ), interest rate etc and requesting our availability to close. We scheduled the closing for XXXX/XXXX/16 at XXXX. On Friday, XXXX/XXXX/16 at XXXX, we received an email from the title company confirming the day and time of the closing and indicating that we were to bring {$880.00} to closing. We again reached out to XXXX and XXXX letting them know that they assured us both via voice mail and email that it would be no cash to close and that if that is not the case that we will not be proceeding with the closing. We received no responses from neither XXXX nor XXXX, just a call at XXXX on Monday XXXX/XXXX/16 from the XXXX which we advised that we were not going to proceed with the closing. It was not until XXXX, XXXX XXXX at XXXX. that we received a response from XXXX via email simply asking if anyone responded to us about our concern. Today, XXXX, we receive a an email from XXXX stating that she was out of the office Tuesday and Wednesday and that she would review the file and get back to us. When she got back to us she came back with yet another bogus set of numbers. She stated that she can get us closed in XXXX IF we paid our XXXX mortgage payment at closing. | ||||||
| 04/13/2022 | Yes |
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| The Federal Housing Administration ( FHA ) Covid 19 Recovery Modification program options, as outlined in the XXXX Mortgagee letters XXXX that came into effect XX/XX/XXXX, were designed to create a pathway of sustained recovery for families, like ours, that were deeply impacted by and faced financial hardship due to the coronavirus pandemic. The Covid- 19 Recovery Modification Replaces the following : a. ) The Covid 19 Owner-Occupant Loan Modification b. ) The Covid 19 Partial Claim and Loan Modification c. ) The Covid 19 FHA-Hamp Combination Loan Modification d. ) The Covid-19 Partial Claim with Reduced Documentation Covid 19 Loss Mitigation/Covid-19 Recovery Options provide borrowers impacted by Covid-19 Loss mitigation Options. Covid-19 Recovery Options Provide borrowers impacted, directly or indirectly, by Covid-19 with Option to bring their Mortgage current and may reduce the Principal and Interest portion of their monthly mortgage payment to reduce the risk of redefault and assist in the broader Covid-19 Recovery : a. ) The Covid 19 Recovery options are not incentivized by Mortgagees b. ) The Mortgagee must review eligible Borrowers for the Covid-19 Recovery Options c. ) Eligible Borrowers may receive more than one Covid-19 Recovery Option d. ) A Trial Payment Plan ( TPP ) Is not required for a borrower to be Eligible for the Covid-19 Recovery Options Our lender Lakeview Loan ServicingXXXX XXXX XXXX bank were required to implement the program no later than XX/XX/XXXX, however even after the required implementation date of XX/XX/XXXX Lakeview Loan Servicing and their debt collector M and T bank failed to fully implement the program and include all of the XXXX Recovery Modification options available to us after numerous requests to do so. When we reached out to the lenders customer service reps and managers from XXXX XXXX XXXX Banks single point of contact team regarding the updated mortgagee letter and our concerns that the guidelines were not being followed, we were told that the alternative options that were outlined in XXXX Covid 19 Recovery Modification Program to reduce our principal and interest did not exist, they were not available to us and/or they were unaware of the changes in the Updated Mortgage Letters. XX/XX/XXXX We inquired once again, about the California Mortgage Relief program through our state. We were told by the Single point of contact Manager 1, XXXX XXXX that he was unaware of the program. XXXX XXXX also informed us that FHA Moves very slowly and by the time FHA gets around to approving HAMP Funds, M and T Bank would have already foreclosed on our home. Instead of receiving the Covid 19 Recovery Modification relief as outlined in the XXXX Mortgagee letter. We received Modification documents that imposed guidelines that were not required. We were also required to Make Trial Payments while waiting 45-60 days for our Modification to be approved. When we did not comply with all of the guidelines that were required by Lakeview Loan ServicingXXXX XXXX and XXXX XXXX XXXX we were threatened multiple times with foreclosure and we were notified that are request for work out assistance had been removed. Three weeks after XXXX XXXX XXXX XXXX received the signed/notarized modification documents we were served with a letter of default notifying us of their intent to sell our home if the total amount which includes all late fees and other charges were not cured within 35 days of the date of the letter XX/XX/XXXX. Given the Hardships that we have faced and the fact that California is under a State of emergency we are deeply concerned about the unethical way we are being treated by Lakeview Loan ServicingXXXX XXXX XXXX Bank and requesting a full investigation from your office regarding our Lenders noncompliance with FHA Covid 19 Recovery Modification guidelines. | ||||||
| 02/23/2023 | Yes |
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| I made two calls to XXXX XXXX about this account on XXXX & XXXX please pull those recorded calls to confirm information between them and myself regarding this home. Please note that the call on XXXX had nearly none of the information that was given to me on XXXX and I find that very concerning almost to the point as being seen as on purpose. I am seeking a full forensic audit and resolution of my mortgage account in which I believe that XXXX XXXX is a attempting to take my home in foreclosure ( per their staff on XXXX ) by RETURNING TWO MORTGAGE Payments this month alone and noting that I owe them money that I do not. This mortgage was transferred from XXXX Bank to XXXX XXXX in XX/XX/XXXX. The concern is the following : The XX/XX/XXXX payment was made and I have shown proof of that, I pulled the final bill from XXXX and the first bill from XXXX XXXX they BOTH Indicate the same amount due in XX/XX/XXXX. There is no error there. That needs to fix on their end with XXXX. I owed XXXX nothing at the time of the switch of mortgage. I paid the exact correct amount of {$1500.00} in XX/XX/XXXX I was asked to send a XXXX Bank XXXX and I HAVE DONE THAT and my account needs to reflect that. When I called on the XXXX of XXXX that was made clear on that recorded call and she reminded me about a XX/XX/XXXX payment. Here is the complete payment information from my review and what I think that I owe XXXX XXXX. 1. XXXX XXXX paid in full {$1500.00} to XXXX I HAVE SENT THE XXXX BANK XXXX TO XXXX XXXX XXXX THE CONVERSATION ON XXXX 2. XXXX XXXX Missed ( error on my part ) 3. XX/XX/XXXX I paid {$1500.00} ( which would have taken care of XXXX FULLY the amount was correct ). 4. XX/XX/XXXX I paid {$1600.00}. Which should have taken care of XXXX payment XXXX. XX/XX/XXXX I paid again the amount of {$1600.00} which should have taken care of XXXX payment and the account should have been current. 6. XX/XX/XXXX Missed ( error on my part ) 7. XX/XX/XXXX I paid {$1600.00} 8. XX/XX/XXXX -Missed ( error on my part ) 9. XX/XX/XXXX I paid {$1600.00} and it was sent back and then I called on XXXX to see why it came back they told me amount was wrong and to resend. Check the calls... I agreed and she then reminded me about XX/XX/XXXX. I verbalized understanding with the intention to call back. I said that I would resend payment in the right amount. 10. XX/XX/XXXX I resent {$1600.00} and that was again sent back to me by XXXX XXXX on XXXX Your records reflect the exact of what I am noting above. I have all attachments of the payment history pulled directly from the XXXX XXXX account and my bank to reflect this If at the LEAST I missed the XX/XX/XXXX AND XX/XX/XXXX PAYMENTS THAT WOULD BE AN AMOUNT OF including late fees {$3300.00} AT BEST. And then a payment in XX/XX/XXXX of {$1600.00} ( if accepted ) would take that down to still about {$1700.00} and a second payment would take it down again and so on but this morning the money came back yet again. The account is not 3 months behind but it will be it they keep sending money back and I think that they are doing that on PURPOSE. So I am concerned that : One money is coming back, Two that there is a miscommunication from the staff to me on what I needed to do or what was going on XXXX etc. I called and was not nearly told what was correct about my situation. If I was in the process of resolving a debt, which I was then why would I not be told all of the information? As a consumer that is alarming and I feel that they are attempting to get money that they are not owed and by sending money back making claims that money or payments have not been sent which is not true. The bank statements and other documentation is clear that is attached to this complaint. My XXXX XXXX Bank statement that will come out next month will also reflect all the returned money as well. | ||||||
| 04/20/2022 | Yes |
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| In XX/XX/XXXX I was affected by covid which resulted in a loss of income. I called my mortgage servicer XXXXLake View Mortgage asking for options to avoid falling behind on my mortgage. I was told I qualified for forbearance and was placed on forbearance. In XXXX once I was permanently placed back on full time status I was told I qualified for a loan modification. In approximately XX/XX/XXXX I started the modification process. I called XXXX every month to check on the status of my modification. Thru-out the entire process I was told that I qualified and would be paying about {$650.00} per month for 30 years. I was assured my mortgage loan would not fall into delinquent status while going thru the modification process. I continued to call monthly for updates and was always told my modification was just taking longer than necessary and not to worry because my loan was in good standing. In XX/XX/XXXX I called again and was told my modification would be completed within the week and I should call back to get the update. At no time was I told my modification would be denied. On XX/XX/XXXX I once again called for an update and was told that my modification was declined and that I had until the end of XX/XX/XXXX to make a {$28000.00} payment in full or my loan would be considered delinquent. I asked for written notification and was told I needed to wait a week or two for the notice. I asked for other options and was told none were available and if I don't abide with the {$28000.00} payment by the end of the month my home would go into foreclosure. I called back on XX/XX/XXXX and once again asked for an update and questioned the modification process. I couldn't understand how my mortgage loan is 2 weeks away from going into delinquent status without me receiving written notification of my loa modification denial or forbearance cancellation? How can my mortgage loan be placed in delinquent status as of XX/XX/XXXX without any supporting documentation? Also I tried to make mortage loan payments several times, I was told that I did not need to make payments during modification processing but when I tried to make payments on-line I was unable to make any payments. When I called to ask if I can mail in payments I was also denied. Denied to make my mortgage payments? Is this legal? I feel my mortgage company is forcing me into delinquent status and is now threatening to take my home away without providing me any other options or solutions. I feel this is deceptive and unethical. What I find more disturbing is the fact I am one of thousands facing this same problem. I asked why was I in this position after being told repetitively that I didn't need to worry because I was protected during the entire modification process. I called every month to ensure my mortgage loan was in good standing, and each time I called I was told my mortgage loan was current to date. Then within 2 weeks on XX/XX/XXXX I'm told as of XX/XX/XXXX my loan would go into default and delinquent status. How does this happen? I feel all parties involved in the process used very deceptive practices and have not provided me sufficient notification or the opportunity to try to obtain {$28000.00} to pay my forbearance balance. Will it be legal if I receive my notice of denial at the end XX/XX/XXXX and asked to pay {$28000.00} by XX/XX/XXXX, with no grace period? At no time did I receive a call from my mortgage company regarding updates on the status of my modification, nor ask me for any additional information. I personally initiated all contact and followed all procedures to avoid having any of these issues. Each and every time I called I was made to feel my loan modification was guaranteed and I was repeatedly assured everything was fine. Please help me, I am an honest hardworking person and I do not deserve this. | ||||||
| 03/30/2019 | Yes |
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| I have a mortgage the Lakeview Loan Servicing LLC manages. I have had my payment made through my bill pay service through XXXX XXXX for several years without issue. I received 2 notices From Lakeview at the beginning of XXXX that XXXX payment had not been made, that my account was delinquent, and that I had late payment fees. They also informed me in the letters that my XXXX payment had not been received yet either. When I called customer service i was on hold for almost an hour twice before I could talk to someone. Once I did the individual was extremely rude and treated me like i was lying to her, I did not catch her name, but I did ask to speak to her supervisor, i believe that call was on XX/XX/XXXX. The supervisor was XXXX XXXX, and she was very kind, gave me her name and direct phone line, and helped direct me to send and email to a customer service email address. She asked me to call her back when I had done that and she would help fix my issue. She also told me I can access all my account info online and on their mobile app. I called her back on these dates, left messages, and never received a call back to this date. XXXX XXXX XXXX XX/XX/XXXX. I registered my account online, and downloaded the mobil app. But neither of those features have worked, I can log onto both, but neither of them allow me to navigate the sites and see my account information or set up an automatic payment as they say they can. I had to get a XXXX XXXX representative on the phone on XX/XX/XXXX to help me find out where my payments had gone. They told me both my payments were sent to the same address we had always used, but neither had been cashed yet. The XXXX XXXX XXXX conference in Lakeview to see why the payments had not been made. The Lakeview rep said we have been using the wrong address, and gave us the correct one. He also got rid of my late payment fees and told us to send in new checks. The XXXX XXXX rep cancelled the bill pay checks we had sent, and I wrote 2 personal checks to Lakeview and sent in the mail. Those 2 payments were received and cashed and credited to my account. Then Lakeview received my XXXX bill pay check which I had cancelled with XXXX XXXX, the check with " the wrong address '' and they applied it to my account as well. But Lakeview still reported my late payment and delinquent account to the credit bureaus and I've taken over a 100 point decrease in my credit score. I have made many attempts to call Lakeview in regards to this matter, and my calls rarely get answered, most of the time they hand up on me. My call record is XXXX on hold for 30 minutes, spoke with rep. XX/XX/XXXX called with an option for call back feature, and they called back, this is the last time I was able to get a hold of anyone. This is when i inquired about the website and app not working, they said they reset my info on the webpage so try registering again. I tried and it didnt work. When I told them the app doesnt work, they just said " well sir, sometimes apps just dont work '' I called on XX/XX/XXXX no answer, no call back option, and they hung up on me. 2 more calls in the exact same manner on XX/XX/XXXX. I made a third attempt call on XX/XX/XXXX, I tried to speak with someone who could help with the website, and was on hold for 18 minutes before I hung up. XX/XX/XXXX called no answer, no call back option, on hold for 4 minutes before I hung up. The customer service this company gives is so bad that I cant even believe they are doing business. I just want someone to answer the phone, and help with my issues. I want my credit report to be fixed, and I have proof with my bank that we did everything we have been doing to submit payment on time. No of their options besides calling work disabling all customers from any help whatsoever because they wont answer calls. | ||||||
| 05/22/2019 | Yes |
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Web | Servicemember |
| We have a conventional home loan with Lakeview Loan Servicing LLC with a second home property. In XX/XX/XXXX, we obtained a Brokers Price Opinion ( BPO ) and submitted it to Lakeview with a request to verify the loan to value ( LTV ) requirement so we could pay the loan down to 78 % of the original value of the property. We desired this information in order to eliminate private mortgage insurance ( PMI ) from our monthly loan payment. The BPO was higher than the original mortgaged loan of the property. Lakeview 's response was that our PMI would actually increase if we used that BPO and they provided a higher principle curtailment to reach the appropriate 78 % threshold. This obviously worked against our financial desires, so we dropped that request. We requested in writing on XX/XX/XXXX for PMI to be removed on the loan, accompanied by a check applied to principal bringing the LTV below the 78 % threshold. Lakeview initially incorrectly applied the principal payment, distributing it as a monthly payment, PMI payment, and the remaining to principal. We have a normally scheduled payment that automatically/electronically pays at the beginning of the month, so applying this payment in such a manner was not in accordance with our written instructions, and also not appropriate as we remained current on our loan payments ( as has always been the case ). An email to customer service was not answered. A phone call to customer service allowed the large payment to be applied to principal, but PMI was not able to be credited back, per the customer service attendant. A letter from Lakeview was mailed on XX/XX/XXXX and received on XX/XX/XXXX detailing the requirements to cancel PMI. This letter acknowledges that LTV had been met for the loan, but Lakeview is now requesting a BPO to ensure the current value has not decreased below the original purchase value of the home. They also state that if we want to cancel the PMI, a BPO is " required ''. This letter also states that the cost of this BPO is {$100.00}, payable to Lakeview, who will conduct the BPO. Considering our previous interaction with this mortgage company, I am not trusting of their motivations, nor do I believe they are adhering to their own annual PMI disclosure statement. That statement requires a BPO when requesting cancellation of PMI at the 80 % threshold with several other requirements. The disclosure also says PMI will be automatically cancelled at 78 % based on the original amortization schedule. I understand we have reached 78 % earlier than that schedule, but their disclosure does not say a BPO is required in such a case. Their letter also states the need for a BPO as being related to ensuring the property has not decreased in value. That reasoning is null as we would have already overpaid on the loan principal if that were the case. I understand there are industry best practices, however, it seems reasonable in this case, that Lakeview is simply pushing for more fees to which they are not legally entitled and needlessly harassing a debtor that has remained current on all payments and is making reasonable requests according to published policies. Issues requiring resolution : 1. Is Lakeview required to automatically drop PMI when the LTV reaches 78 %, either through amortization, or with principle curtailment? 2. Is a BPO legally required in this case, as the LTV is below 80 %, actually currently below 78 % on the loan. 3. Is it legal for Lakeview to require us to pay for a BPO, chosen and serviced by their company, which could easily work on their behalf? 4. Please explain why Lakeview is justifying the reasoning for a BPO to " ensure that the current value has not decreased below the original value of the property ''. Thank you for your time and assistance. | ||||||
| 03/03/2023 | Yes |
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Web | Servicemember |
| My mortgage company and servicer, Lakeview C/O Loancare , is engaging in unethical and awful practices causing a huge financial burden on me. My loan was sold to them in XX/XX/XXXX and it is now XX/XX/XXXX. I am a XXXX Veteran that is exempt from paying property taxes with the exception of direct levies, which are {$120.00} a year, so I should be paying {$10.00} a month in taxes. I have provided them my property tax exemption letter, as well as an estimated property tax bill letter from XXXX XXXX stating what I have said. After going on 3 months, they still have not adjusted my escrow account correctly, and they are still making me pay over {$200.00} in taxes every month that I do not owe. Every single time I call, they transfer me between 2-3 people who have no idea what the issue is and eventually to their " escalations '' department where supervisors repeatedly tell me they can't do anything about it and I will receive a call back. To date, they have never called me back. I have also sent them XXXX notices of error by mail and the required documentation over 3 times now, as well as electronically 4 times which I have confirmation of. This is causing a huge financial burden on me as I am a XXXX veteran due to my military service and I don't work due to it. I am on a fixed income and due to Lakeview C/O Loancare not doing their jobs or even acknowledging my notices of error I am still having to pay money that I am exempt from paying every month. As it has been going on 3 months with no resolution I am reaching out to CFPB for help as Lakeview C/O Loancare continuously disregards my notices of error. They also refuse to accept an estimated tax bill after asking numerous times for one and state they have to check the tax website instead which still shows the previous owner 's tax information and is incorrect. They also keep contacting the wrong office and division repeatedly after I keep notifying them of the error, and refuse to contact the correct party from the exemptions section listed on my estimated tax bill letter as well as the Tax Collector themselves. They also conducted a " escrow re-analysis '' that was incorrect on XX/XX/XXXX and barely removed any taxes from my payment amount. I spoke to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX who confirmed I only owe {$110.00} after my supplemental refund was applied due to the tax exemption, and that a finalized bill reflecting the new owners information will not be issued until XXXX due to the fiscal year, and any overpayments from XXXX will be refunded and mailed to me. They also stated that my Tax Exemption Approval Letter should have been sufficient for my mortgage company to adjust the account. XXXX still sent out an unnecessary payment of {$1000.00} on XX/XX/XXXX and are refusing to fix or adjust my impound account. Now this payment is going to have to be refunded to me by the XXXX Collector due to overpayment which will take XXXX months. XXXX XXXX XXXX Collector also stated Lakeview C/O Loancare has not called them at any point to try to verify any information and that Lakeview C/O Loancare are welcome to verify that information with the Tax Collector 's office which they also refuse to do. Lakeview/Loancare has XXXX to me they contacted someone named " XXXX '' at the Tax Collector 's office, but I confirmed with the Tax Collector there is no " XXXX '' that even works there, so they lied about that. I have also attached documentation from the XXXX XXXX XXXX Collector confirming I only owe {$110.00}, not {$1000.00}, and only {$120.00} a year going forward. There are countless reviews of other XXXX veterans in their online and XXXX reviews complaining about the exact same thing, and it appears they do this to a lot of people. Please help regarding this matter. | ||||||
| 08/15/2023 | Yes |
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| XX/XX/XXXX ATTN : XXXX XXXX XXXX XXXX and Late Fees XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Re : Error Resolution Notice under 12 C.F.R. {$1000.00} I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX California, XXXX. The error is as follows : XXXX failed incorrectly imposed a late fee of XXXX. In addition to the incorrect late fee, XXXX reported XXXX XXXX and XXXX XXXX to the credit bureaus without notifying us that our mortgage had increased to XXXX from XXXX and that they put this into effect on XX/XX/XXXX, without communication. This error needs to be corrected within 30 business or we will file suit for violation of RESPA, for both penalties and actual damages. On XX/XX/XXXX, We received notification from a different company, my credit card company, XXXX XXXX who stated via email that our credit scores had fallen. After researching through XXXX XXXX We discovered that XXXX reported that we did not make our monthly mortgage payment which caused my credit score to drop by XXXX points and my husband 's to drop by XXXX points. My husband sent the payments of {$2300.00} on XX/XX/XXXX, and {$2300.00} on XX/XX/XXXX. Each payment was made timely before the XXXX of each month. Our bank account shows that both these payments cleared and that XXXX received the payments. After learning of the increase in payments, we immediately paid the balance. After calling XXXX, the representative on the phone stated that our mortgage insurance and taxes had increased resulting in a new payment amount of {$2400.00} which had started in XXXX. Our payment had been received timely but because it wasnt the full new payment, it was placed in a separate account so that XXXX could unlawfully make an egregious report to the credit bureaus. XXXX stated to us that we were given a grace period of 30 days from XX/XX/XXXX to start making the new payment. This was also not communicated to us. How can we have a grace period, when we were never told? How can we be punished so severely for what XXXX has deemed as an underpayment of less than {$100.00} for the month of XXXX and XXXX when we were never told? We told the company that we had yet to receive notice of the change. XXXX stated that they only sent a letter. We still have yet to receive a letter to this day about the change in our mortgage. XXXX also did not send an email to either of the email addresses on file and they did not call, despite using this information as a requirement to ask us about our accounts when we call. My husband immediately paid the balance but refused to pay the late fee because XXXX did not notify us of the change in our mortgage. XXXX XXXX the representative on the escalation team stated via phone call on XX/XX/XXXX that it was our fault because we used a 3rd party billing through our bank and that we should have used XXXX company by giving them access to our bank account. This is a strong-arm tactic to force us to give XXXX direct access to our accounts. We have a history of making 100 % timely payments even when changes have occurred. We have tried to peacefully resolve this with the company, and have contacted XXXX for resolution on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have yet to hear from a supervisor and are told each time that we have to wait for a supervisor to contact us within 48 hours. No supervisor has called and our phones do not show a record of any call returned, neither voicemail or phone record on either phone number on record. We have sent a letter on XX/XX/XXXX via mail to the following address because a supervisor, phone number and email refused to be provided. ATTN : XXXX XXXX XXXX XXXX and Late Fees XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX | ||||||
| 01/05/2020 | Yes |
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Web | Servicemember |
| Greetings, The following is a chain of events experienced dealing with Lakeview Loan Servicing LLC in an attempt to remove PMI from our second home loan. XX/XX/2019 - Lakeview contacted by phone to verify the paid down mortgage amount that would be needed to meet the loan to value ( LTV ) ratio that would meet PMI removal requirements. XX/XX/2019 - Payment in the amount of {$11000.00} mailed to Lakeview accompanied by a letter explaining the application of the amount to mortgage principle and a request to remove PMI. XX/XX/2019 - I followed up by phone to question why the total amount of the pay down had not been applied to principle, rectified that problem, and ensured a request for PMI removal was in place with Lakeview. I also submitted an initial complaint with the CFPB regarding the initial difficulties experienced with Lakeview. XX/XX/2019 - I followed up by phone to inquire on the PMI removal process and there was no record of my request. I was told that an appraisal or broker 's price option ( BPO ) would be needed to remove PMI. I paid {$100.00} by a phone check to initiate the BPO on XX/XX/2019. XX/XX/2019 - I placed a courtesy call to verify the BPO process was moving and was assured by the Customer Service Rep the request was in place and had been authorized. XX/XX/2019 - I followed up after allowing processing time and was disappointed to find that the BPO was not moving along. I requested a Manager and was assured that the BPO request was now in place, that Lakeview would retroactively apply all PMI payments to principle when the BPO returned showing our property value was appropriate, and that I should see the PMI removed by XX/XX/2019. XX/XX/2019 - PMI was still showing on the monthly statement. I submitted an electronic customer service request to Lakeview in an attempt to try a different communication approach addressing the PMI removal. XX/XX/2019 - Letter received from Lakeview stating the LTV requirements were met and a property assessment ( appraisal/BPO ) would be required to support the LTV ratio. The letter stated the BPO fee would be {$150.00} XXXX or a more costly appraisal would suffice ). Please note, a BPO had already been paid for at a lower rate in XX/XX/2019, yet Lakeview did not complete the PMI removal process as previously agreed, nor in agreement with their published policies, which we adhered to during the initial phases of our PMI removal request. XX/XX/2019 - I placed a follow up phone call to Lakeview to explain the BPO had already been paid for and requested in XX/XX/2019, but the Customer Service Rep did not see that information in the records and told me a BPO would be required. I asked to speak to a Manager, and after being on hold for 15 minutes, the phone line went dead. XX/XX/2019 - I submitted another written request to Lakeview Customer Service explaining everything as is written here. I requested that they complete the BPO that was paid for in XX/XX/2019 and finalize the PMI removal for this mortgage, along with retroactively returning the PMI payments the Manager I spoke with in XXXX assured me would be returned. Lakeview has not upheld their end of the processes they have required to be completed per their policies, have not been cooperative or communicative during those processes, and their suggested business practice is one of delaying/being uncooperative in order to continue extricating money as long as possible. This mortgage has been paid on time, paid down ahead of the normal amortization schedule, and reasonable requests according to policies have been requested. Please inquire if this is common practice as it negatively affects Lakeview 's customers. Thank you for your time and assistance. | ||||||
| 07/17/2019 | Yes |
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| In the process of selling my home, on XX/XX/2019 there was a payoff request made for my loan with Lakeview Loan Servicing LLC by my title company. This mortgage is serviced by XXXX. This payoff statement gives a balance of {$130000.00} which included interest for the entire month of XXXX good through XX/XX/2019. The payoff disclosure sent says they only accept prepayments on the first of the month and my loan allows them to collect interest for the whole month. Closing was on XX/XX/2019 and a check in the amount of {$130000.00} was sent overnight arriving XX/XX/2019. I called customer service on XX/XX/2019 to make sure that the check was received and asked if there was a problem and why it had not been applied. I was told it was received XXXX and everything was fine and that it would be applied later that day. On XX/XX/2019, the check still had not been applied and I called to ask why and was told that the check did not cover the total and it was in the process of being returned. I was told that it was being returned to my address in Ohio that they had on file by certified mail because I had not updated my address to show that I had moved. I spent hours on the phone with several different people trying to get this payment to not be sent to my Ohio address but my current XXXX address, if it had to be returned. I was told that because of the XXXX holiday the next day there was nobody there that could help me. Also, on XX/XX/2019 when I saw that the payment still had not been applied, I made a payment as to not cause any issues with being late on the payment. That payment was posted and the payoff check was now enough and had not been returned but I was told by law that it had to be returned because it did not cover the payoff when they received it. The explanation that I was given for the payoff check not being enough was the payoff statement was issued on XX/XX/XXXX and on XX/XX/XXXX they did a sweep of my escrow account for taxes due on XXXX. This left my escrow account in a negative balance of {$350.00} and funds had to be advanced to that account. I was told that a new payoff statement was sent on XX/XX/2019 and that I should have paid off of that but they could not tell me who that payoff statement was sent too or how it was sent. The first payoff statement was sent to my title company. The new payoff statement as of XX/XX/2019 they sent to my house in Ohio. Payoff check was returned to title company received on XX/XX/2019. XX/XX/2019 new payoff was requested by title company {$120000.00} good through XX/XX/2019 and including another month of interest because payment will be treated as if it was received on XX/XX/2019 even though the replacement check was received on XX/XX/2019. The long and the short ... XX/XX/2019 payoff statement good thru XX/XX/2019 {$130000.00} XX/XX/2019 escrow disbursement made and escrow account ( {$350.00} ) + {$40.00} fees= ( XXXX ) XX/XX/2019 XXXX issued a new payoff statement to reflect the new balance and sends to me the homeowner at my Ohio address which is then forwarded to me in XXXX and received on XX/XX/2019 XX/XX/2019 check for {$130000.00} is received by XXXX. XX/XX/2019 I call customer service, they verify they received and payment just has not been applied yet. No problems XX/XX/2019 I make my normal monthly payment of {$1100.00} plus fees XX/XX/2019 My regular monthly payment is applied but payoff is not. I called customer service and I am told it is being returned because the payoff was not enough. XX/XX/2019 returned check is received and another is sent overnight for new payoff balance of {$120000.00}. XX/XX/2019 Payoff payment is applied and account is {$0.00} balance. | ||||||
| 04/26/2019 | Yes |
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| I am a successor to a property I inherited by my son. My son was XXXX XXXX in XXXX and I became the administrative of the estate and gotten the property probated. I provided the lender with the death certificate and the administrative of the estate paperwork. I began providing the lender with a modification application XXXX XXXXalong with my pension from the XXXX XXXX XXXX XXXX and my XXXX statement. The property is a duplex with me and tents living in the property. I also provided the lender with two leases in which I receive rental income. The lender filled a judgement stating that the property was empty but was not empty. I was told by XXXX XXXX XXXX XXXX XXXX to go file a some paperwork at City Hall for me to get into mediation court. I filed the paperwork 1 day after they placed a judgement on the property that has been listed for Sheriff Sale and postponed over 18 times. I have been in mediation court 18 times since submitting over 7 modification applications. I never once gotten an approval or a denial on any applications I submitted except for the last modification application in XX/XX/XXXX, XXXX.This is the first time I received a denial letter on XX/XX/XXXX at mediation court. I did not even receive one in the mail ; the attorney provided this letter to the Housing Counselor. Something does not look right with this letter. The letter does not have any letterhead on it and it does not discuss reasons on why the client was denied the modification. When the housing counselor questioned the attorney about the letter and asked the attorney to go back to the lender and give a more detailed letter, the attorney stated that the client needs to submit another application as if the denial letter did not come from the lender. I am very confused why every time I am in mediation court the home is listed for sheriff sale right after. I believe this lender does not want me to assume the property by any means. This lender continued drag this process out by the lender accruing fees for so long, also letting me rack up court fees, sheriff sale fees by continuing to list the property, and also by not following the FHA guidelines of a successor. I was scheduled to go in front of the judge on XX/XX/XXXX, but again the attorney asked me to submit another modification application. I feel like I have been harassed and treated unfairly as a successor of my sons property. I read the FHA guidelines about a successor and it states that I am supposed to be treated as if I am the owner of the property. I do not have all of my modification packages that I submitted because the housing counselor I was working with changed agencies and I have requested my records from the prior agency and I was not given all of my documents. I am seeking a lawyer to take on my case and I will request all of my records from the previous agency. I feel as though this lender is pushing me to file bankruptcy in order for me to save my home in which I live in. I now have to pay an attorney to take this lender to court and also pay an attorney to file bankruptcy before I lose the house to Sheriff Sale. They filed the judgement wrongly anyway saying that no one lived in the home. I provided utility bills to show that I and two other tenants live in the property. I felt they should have stayed the sheriff sale until I was done in mediation court. I am very concerned that this lender may do this to other successor or have done this to other successor. I would like to see this lender be investigated for wrongdoing. This has been a long journey in and out of court and I have been scared to death that my home would be sold to sheriff sale without me being reviewed fairly. | ||||||
| 10/21/2022 | Yes |
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Web | Servicemember |
| THIS IS A SERIOUS AND URGENT MATTER... ..I NEED ALL CONSUMER LAW HELP. I Brought my house back in XXXX and later it was sold to LAKEVIEW SERVICING on XXXX account ending in XXXX I was told it was sent to Lakeview the Lender. I have asked how did Lakeview the Bank loan me money, How can Lakeview claim I owe, How did Lakeview give me any money. Did Lakeview deposit a check for my house, in order for me to pay them back? I ask for proof never provided me valid proof. 12 USC 1431 Bank can't loan you the money cause they are the borrower. 42 USC 408 There is no lawful money. They use the credit of my Social security 15 USC 1602 ( I ). Then XXXX XXXX XXXX claimed they brought servicing rights from XXXX XXXX ON XXXX and had the account XXXX, then around XX/XX/XXXX, I started receiving lots of loans from Modficatons calls due to Covid. I wrote a debt validation letter to XXXX as well asking who is the Holder of the Note around XX/XX/XXXX, I ask them to validate the debt as well. I was sent a letter from the XXXX stating that did a forensic investigation on my accounts had been hacked and that some person has my information and I may have received false loan modification documents in the mail. I was told by XXXX to file a Police Report and to let the Attorney General Know and all the agency out there know. This was around XX/XX/XXXX XXXX sent documents to sign then I was told they were lost I had to resign again. I called in trying to make a payment I was told it was sold and that if I made any payment it would be voluntary and would not be added to the loan note. The community sells the same account back to XXXX and shows my house paid off on my Consumer Report as paid off which would be true based on the consumer laws of them using my social security card number, Banks cant loan the barrow off of my social security card. I am the Creditor. The XXXX XXXX number was XXXX Now XXXX sells the loan back to XXXX under a different number showing the XXXX XXXX as paid off but still trying to say I owe through XXXX with a different loan number XXXX. So now Lakeview hade in XXXX now to XXXX which shows paid in full on the credit report which I have a copy of and XXXX was showing paid off as well until I spoke to them they went in and showed it as transferred on the Consumer report. Lakeview and XXXX kept sending me loan modification documents in the mail for me to notarize in a notary which I relied on later was a fraud and unlawful to have a loan doc signed in front of a notary when it was to be done at a closing office... I learn all of this in the last 2 months... I kept being sent loan modification documents and the interest rate kept going up every month I kept getting different statements in the mail on the day the loan is due which was very odd and strange. I called again in XXXX and was told that XXXX has just received my Loan docs. I ask were they moving all these accounts around to confuse the consumer so it can appear to be late, I could never make a payment cause it kept being sold. then I realize as I start to study that something is not right with this loan ... BANK CANT LOAN MONEY, OR EVEN CREDIT. XXXX ACCOUNT XXXX AND NOW XXXX. There is a XXXX page about XXXX, Lakeview XXXX they are the same company with different names but the same. It is unlawful and frauding people. Who sends statements out stating a bill is due the day they received it Fraud ..... I am disputing, I am a victim of false loan documents. LOAN CARE IS TRYING FORECLOSURE ON MY HOUSE ON MY OWN CREDIT. THIS WHOLE THING IS FRAUD AND A CLASS ACTION LAWSUIT WILL BE FILED IN XXXX COURT ON THE FEDERAL LEVEL NOT NO ADMINISTRATIVE COURT | ||||||
| 06/26/2019 | Yes |
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| Affidavit of Criminal Complaint I have firsthand knowledge of claim stated within. I swear and affirm that this statement is true accurate and correct. I have no reason to believe otherwise and do not expect it to be rebutted. 1 ) XXXX is a criminal enterprise who is guilty of unlawfully foreclosing on my home. 2 ) They hired attorneys who knowingly and willingly filed a false claim in the XXXX County Court of Common Pleas case # XXXX. 3 ) They hired a company called XXXX to come to my door and ask if I was ( So-n-So ). When I said yes ; he said to sign here. I was unaware that I was being tricked into signing to be an agent for a Trust of some sort that XXXX put my assets in and made themselves beneficiaries of. My name does not end with et. al. and that is how they robbed me of my God given rights protected by the Constitution. 4 ) An honest judge could use their summons as evidence to convict them of grand theft alone. All these attorneys know perjury has to reach the accuser. There is a simple reason why none of them are accused me of anything. 5 ) The most obvious reason is they filed this lawsuit with absolutely no admissible evidence whatsoever. 6 ) They planned to fraud me by filing this lawsuit then getting false evidence admitted using their expertise against my lack thereof. 7 ) The whole summons is nothing more than a list of everything they knowingly stole filing a false against me.. 8 ) The two people who signed their affidavits are guilty of perjury under oath if they even exist. One for assigning Lakeview Loan Services LLC as service provider on XX/XX/XXXX. Document # XXXX XXXX County Recorder 9 ) That alone proves they were trying to foreclose and collect a debt long before they were assigned. 10 ) The other for saying Ive been with XXXX since XX/XX/XXXX. Thats fraud I never heard of them until I got a letter in the mail stating they were going to foreclose. 11 ) This lawsuit cant be in equity or international admiralty because I cant break a contact I never made. It cant be in law without a damaged party. 12 ) They had to lie saying I failed to respond to get a default judgment. That proves they must of frauded XXXX XXXX and VA beforehand. 13 ) They know I ask to see proof of proper standing, venue and jurisdiction. 14 ) I know they dont have it. XXXX destroys the mortgage note and they never had the mortgage. 15 ) Looking for this lien they claim they have. I found that my mortgage was satisfied on XX/XX/XXXX. Document # XXXX at the XXXX County Recorder 's Office. This alone is proof of fraud. They have no claim and this is how XXXX has clouded over 100 million titles. The Sheriff would be incompetent if he didnt know he was stealing from innocent men, women and children. He knows bifurcation has occurred between the mortgage and mortgage note. 16 ) According to the docket case # XXXX At the XXXX County Court of Common Pleas. I am led to believe the Sheriff did an illegal search and seizure because I doubt he had a warrant to come on my property and appraise it. If he comes to remove me that constitutes a false arrest that is my duty to resist by any means necessary. These are the kind of crimes President Trump signed an executive order on XX/XX/XXXX blocking the property of persons engaging in serious human rights abuse and corruption. Unfortunately, because they know they could go to jail for crimes against humanity that they have already committed they are not going to stop until they get arrested. It is wrong for the Sheriff to steal from the poor to give to the rich. Arrest need to be made. Let me know what else I can do to help. | ||||||
| 08/22/2023 | Yes |
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| I purchased my house in XXXX and had made all payments on time until XXXX when I lost my business. I ended up filing XXXX XXXX bankruptcy, but I made a modification plan with the mortgage company which I made all payments on time and eventually refinanced it back to the normal payment. They have never reported by mortgage to the credit bureaus since and I have been dealing with people in the Bankruptcy department ever since. I went through a divorce last year and got behind on the mortgage because of loss of income and some other costly repairs to my car and home. In XXXX of this year, I mailed in two payments which were both returned with a letter saying I needed to pay {$3900.00}, or they wouldn't accept my payments. I promptly mailed in a check for the amount they requested which was received by XXXX XXXX XXXX on XX/XX/XXXX. Once a week passed and the check didn't clear I contacted them. The person I spoke to was very rude and disrespectful. She accused me of lying about having access to their online payment portal and she thought I was giving her a fraudulent tracking number for the check I sent in. Once she verified the check had arrived with the tracking number, I asked why they hadn't cashed the check since they had had it over a week now. She laughed and said it takes them weeks to process them. She told me at that time she was now showing I owed {$5200.00} which I immediately agreed to pay. I asked if they were going to cash the check and I could pay the difference or should I expect the check to be returned in which case I would pay the entire amount due. She said she wasn't sure because no one from the Bankruptcy Dept was in. I asked her to call or email me the amount and I would pay it promptly which she agreed to do. After a few more business days without contact I reached out to them again. The person I spoke to this time had no idea about what was going on and said my account had been sent to an attorney for foreclosure. She gave me the name and number of an out of state attorney who I contacted, and they said they had no idea why I would be calling because they wrote mortgages not foreclosed on them. I had to call back in again and speak to someone else the next week as their office was closed when I tried to call back that day. She gave me the number to a different attorney. When I called, she took my email and said they couldn't pay yet, and they would email me the amount I owed in 7-10 business days. In a few days I received an email saying I owed {$9800.00}. I called them back so I could clarify how I went from owning {$5000.00} to {$10000.00} when my mortgage payment is only {$1300.00} per month. She said they accelerated my mortgage, and I would need to pay it by wire, or they would proceed with foreclosure. I didn't have the {$9800.00} at the time but I was able to get it within a couple weeks. During that time, I received letters from both the attorney and XXXX XXXX XXXX asking me to contact them so they could assist me in keeping my home. I contacted them both on XX/XX/XXXX again so I could make the payment and verify the amount. I left a voicemail at the attorney 's office, and they have not returned my call. I spoke to someone at XXXX XXXX XXXX and advised I could now pay the {$9800.00} and she said she could not take my payment and she would have to email me a letter with the amount and the appropriate way to pay. As of today, I have not heard anything from anyone, and they have filed something against me in court as I am receiving multiple advertising letters daily from attorneys trying to get me to file bankruptcy. | ||||||
| 12/14/2023 | Yes |
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| Lakeview a subsidiary for XXXX XXXX whom services my Mortgage and Escrow failed to make timely payments leading to the cancellation of my Property Hazard Insurance Policy. XX/XX/XXXX Lakeview Escrow failed to make a timely payment to XXXX for new XXXX term XX/XX/XXXX - XX/XX/XXXX. The Escrow had sufficient fund as they sent a check in XXXX for surplus Escrow funds. XX/XX/XXXX XXXX sent Bill + penalty with a required payment by XX/XX/XXXX. Lakeview Escrow again fails to disburse available funds. XX/XX/XXXX XXXX cancels policy. XX/XX/XXXX Laveview sends XXXX XXXX XXXX payment XX/XX/XXXX XXXX refunds payment to canceled policy. XX/XX/XXXX XXXX XXXX sends letter threatening force-back Insurance if Insurance isn't reported to them. XX/XX/XXXX XXXX XXXX contacts me to sell me Insurance, this is the first time I am made aware that my Insurance hasn't been paid and that my policy was canceled. I called Lakeview immediately and am unable to reach a customer service representative to discuss the matter. XX/XX/XXXX - I submitted a XXXX complaint due to inability to get a customer service response. XX/XX/XXXX - I called XXXX directly about my case and refuse to talk with me due to the cancellation being because of non-payment. XX/XX/XXXX - I requested the closure of the Escrow Account. Lakeview sends second force-back insurance threat. XX/XX/XXXX - I called in regards of getting my canceled policy re-instated. They transferred my to XXXX XXXX in conference and hung up. No attempt was made to reach out to XXXX directly. I proceed to get insurance to maintain good standing under law. XX/XX/XXXX - Damage to insurability realized as I am unable to get insurance but from the Government established Illinois FAIR Plan. XX/XX/XXXX - Acquired more expensive Illinois FAIR Plan Insurance pending Survey. XX/XX/XXXX - XXXX XXXX contacts me via phone and leaves a voice mail with a number to discuss my case. I send Notice of Error 2-Day express via XXXX. XX/XX/XXXX - Lakeview responds to XXXX complaint. Offering to pay the difference between my new Insurance. Lakeview had not only done nothing to contact and restore my prefer policy, they were telling me to get insurance when my Insurability was damaged. I called their callback number and was directed to voicemail both times. I left a voice mail. I responded to their complaint, reiterated that I want them to contact XXXX and get the policy reinstated. XX/XX/XXXX - I call XXXX callback number for a third time and is sent straight to voicemail. XX/XX/XXXX - They respond to response misrepresenting the XX/XX/XXXX call. XX/XX/XXXX - I responded to their XX/XX/XXXX response re-iterating what happened during the XX/XX/XXXX call. I call the XX/XX/XXXX callback number for fourth and final time. It is sent straight to voicemail. At no point did Lakeview or it's parent XXXX XXXX contact XXXX to attempt to restore the cancelled policy. At no point did XXXX XXXX, whom sells Insurance, offer any insurance as a replacement. How difficult is it for XXXX to a called to a counterpart at XXXX? I shouldn't have to get new Insurance, I shouldn't have to suffer the harassment. I shouldn't have to take viable time during the holiday, during work hours, to explain that you didn't pay my Insurance, that you can't force-back me Insurance, that you are required to reach out to XXXX to get my policy reinstated. Most of the problems happened before the XXXX cyber attack. I am hereing similar stories about XXXX XXXX not paying property taxes in a timely matter from others locally as well. I suspect their may be fraud here. | ||||||
| 11/09/2021 | Yes |
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Web | Older American |
| I recently refinanced my house through Lakeview Loan Servicing LLC in order to lower my interest rate and save money on my mortgage. At the time my principal and/or interest monthly payment was {$430.00} and the Escrow was {$130.00}. At the time, apparently due to tax increase and change of insurance company there was apparently a {$410.00} shortage. At the time I called and at the time I still did not understand why there was a shortage they assured me that the new payment {$620.00} would be in effect for a year to recap the shortage and then it would go back down to {$590.00} as of XX/XX/XXXX. However that amount was only collected until XX/XX/XXXX ; the amount charged over the 7 month period until the new statement dated XX/XX/XXXX was {$230.00} leaving an overall negative balance of $ XXXX. The new statement dated XX/XX/XXXX instead showed a negative balance of $ XXXX instead of $ XXXX. When I asked about the discrepancy of {$540.00} in the balance owed I inquired if the insurance had changed ; they said no. I inquired if there were any other expenses not shown in the statement other than principal, interest, and insurance that could account for the difference and the new prorated shortage of {$59.00} since the difference in escrow showed to be less than {$2.00} and they said that the current amount reflected the shortage and projected amount needed for future escrow. When I asked why the correct amount was not projected in the first place since it is their function to do so they could not explain the difference in the math. I still do not understand why my mortgage payment has gone up so much when neither the taxes nor the insurance went up over the past 7 months. The mathematics do not add up under what was short, what was paid, and the new shortage which instead showed a negative balance of $ XXXX instead of $ XXXX. In addition I received letters from their insurance department saying I had no insurance ( which THEY were actually paying ) and threatening to purchase insurance on my behalf and make me pay for it. After numerous threatening letters I finally talked with a supervisor who finally got it stopped. In addition, I planned for my previous insurance to end the day before the new insurance took effect since one ends and the other begins the same time at midnight ; their insurance department sent me a bill for {$2.00} for the " lapse in coverage '' of 1 day which was false because there was no lapse in coverage ; but apparently technically the termination of the previous insurance should have been scheduled for the SAME day as the new one. I had no idea of this technicality and threatened on principle to change mortgage companies if they charged me for a lapse that never occurred. My point is, if it is the job of the escrow department to accurately forecast expenses and put money in for it then why the discrepancy and why the discrepancy in the actual amount I paid them and the new shortage they show. The math does not add up and in less than a year my mortgage payment has ballooned from the refinanced amount of {$560.00} to now {$650.00} in less than a year with no interest nor principal increase ; however the increase in expense now has made my home cost thousands more. Please investigate and explain what is the cause of the discrepancy and drastic mortgage increase. Here is the information about my mortgage : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Loan # XXXX. Website : XXXX. Phone : XXXX XXXX XXXX. My information : XXXX XXXX XXXX XXXX XXXX , XXXX Ph XXXX XXXX , email : XXXX XXXX | ||||||
| 12/16/2019 | Yes |
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| My Mortgage was transferred from XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/2019 to Lakeview Loan Services LLC/XXXX. Although the selling of my loan notification was not timely. I received my notice from XXXX XXXX dated XX/XX/2019, received by me on XX/XX/2019 stating effective XX/XX/2019 my loan was transferred to XXXX XXXX. I received my first notice from XXXX on XXXX. I attempted to pay my loan on XXXX-19 to XXXX but was told that I needed to call back in a week because my account had not been established. On XX/XX/2019, I made my first full mortgage payment to XXXX. I notified them I received the 2nd half XX/XX/2019 tax bill from XXXX County Tax Office. I uploaded the bill for payment out of my escrow account in amount of {$690.00}. On XX/XX/2019, I was told by XXXX ( Customer service Supervisor ) the tax bill would be paid by XXXX-19 minus late fees and penalties. She further stated she would track and send me an email notification of the release of payment. She was sending tax request release of payment {$690.00} to be expedited and processed overnight while I was on the phone. On XX/XX/2019, spoke with XXXX ( Customer Service Supervisor ID # XXXX ) she stated the bill " would not be paid '' because it is a supplemental bill. I explained to the supervisor that the bill covers the period of XX/XX/2019 through XX/XX/2019. I did not close on my property until XX/XX/2019. Furthermore, if I request and authorize payment of funds from my escrow account, it should be paid. Supervisor then stated I needed to put in writing and the information provided by the previous supervisor on XX/XX/2019 was incorrect. The bottomline, XXXX is managing my escrow account on behalf of me ( homeowner ) via my monthly mortgage payments. It clearly states on the XXXX County Tax bill 2nd half of XX/XX/2019 Real Estate tax. I spoke with XXXX County XX/XX/2019 to find out about the bill. I spoke with XXXX and he stated I should contact the new mortgage servicer for them to pay by XX/XX/2019. Additionally, the tax bill states " Supplemental Taxes - if this bill included Supplemental tax, please contact your mortgage company to discuss payment. Mortgage companies often pay Supplemental taxes when requested by the parcel owner. I have requested payment on numerous calls with XXXX and spoke with two different supervisors providing different information. My escrow account has more than enough monies to pay {$690.00}. I am the homeowner and want the payment made to XXXX County Tax paid immediately for {$690.00}. Also, if they weren't going to honor my request for payment, when was I suppose to know. Due to their ineptitude and poor customer service, I have now incurred additional fees. Since this is a FHA Mortgage they have an obligation to manage my account in an expeditious, compliant, timely, professional manner Lastly, all of the attempts to resolve this issue has been initiated by me. I have not received any communication in writing regarding the payment. However, today, supervisor ID number XXXX said I need to put my request in writing. I did on XX/XX/XXXX when I uploaded the tax bill for payment to their online system. My resolution is that my real estate tax in amount of {$690.00} be paid immediately, minus any late fees and or penalties since my request was made timely on XX/XX/2019. I am requesting written notification only from XXXX, no phones that this request is paid. Thank you in advance for your consideration of this issue and that resolution is prompt. Sincerely, XXXX XXXX XXXX XXXX cell | ||||||
| 04/03/2020 | Yes |
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| On XX/XX/2020, my mortgage loan was trasferred to Lakeview Loan Servicing , LLC from XXXX XXXX. My refinanced closed on XX/XX/2020. My first payment with XXXX XXXX was paid on XX/XX/2020 in the amount of {$2300.00} incluiding taxes and Insurance. on XX/XX/2020 I received a statement from Lakeview Servicing showing my payment of {$2300.00} was due XX/XX/2020. On XX/XX/2020, I tried setting up autodraft, and for some reason my account showed my payment as being {$2300.00}, a {$29.00} difference. Since then, I have been calling and calling to no avail. I have spoken to multiple people including XXXX the supervisor who said that on XX/XX/2020 my account would be reviewed and corrected. I have emailed, many documents to them, which include a copy of my current tax bill, the XXXX XXXX settlement statement form from the Title company showing what they paid in taxes and a copy of the closing disclosure dated XX/XX/2020 indicating exactly what my payment was going to be which is {$2300.00} including taxes and Insurance. Suddenly and for no reason my payment was changed to {$2300.00}. They claim that my property taxes went up, when in reality they have not gone up. My current tax bill shows the exact amount due this year. Taxes for XXXX were paid thru Escrow, and and exact amount was paid by the Title Co.. XXXX XXXX at the beginning of the process DID have a different amount ( WRONG AMOUNT ) for property taxes, however, they later corrected and adjusted the amount this was done before closing, The Title company verified thru my tax bill and thru the assessor 's office the correct amount for property taxes. One of the customer service representatives at Lakeview advised that some of the documents transferred by XXXX XXXX showed the payment as being {$2300.00}, yes, what date is on this document? The documents are self-explanatory. They have to review the FINAL documents dated XX/XX/2020 which is when escrow closed. They are probably looking at the initial documents which were incorrect. All they have to do is Check the Final Closing documents that I emailed to them more than one. I even sent a copy of my property tax bill to the escrow department without success. When calling I go around in circles, they do not return phone calls and when I get transferred to the supervisor, I am sent to the voicemail. Lakeview has only had my loan for one month. Their claim that my taxes went up is without merit. Assessor 's office shows the exact amount as my property tax bill which has not gone up. Lakeview Loan servicing is ignoring the documents and information I have provided. If my property taxes go up this year, I will find out about it, because I get a copy of the bill, it has not happened yet. I do not know what they are basing their claim that my property taxes went up and I do not know what document they are looking at, it sure is not the tax bill and/or the XXXX XXXX closing statement. All documents dated XX/XX/2020 show the amount due for mortgage payment which is {$2300.00}. Very simple, they do not have the time to check the complete file, All they have to do is check the Tax collectors website to confirm the amount.Title Company 's do not make mistakes, they check and verify everything prior to Closing. Their escrow department has not done their job either, I emailed a copy of my tax bill. I have not heard from them either. As a loan servicing company they need to be regulated or they shouldn't be in the Loan servicing business, the number of complaints on the website against them is overwhelming. | ||||||
| 08/24/2019 | Yes |
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| XX/XX/XXXX, I submitted a request in writing to have a removal of my PMI since my loan balance was at 80.5 % and was scheduled to 80 %. My request was denied. XX/XX/XXXX, I submitted a request to remove the PMI. I was at 79.8 % of my loan balance. I reached out to Lakeview because they sent back a blanketed, generic email stating someone would get back to me in 5-7 business days. XX/XX/XXXX, I sent an email to request an update status. XX/XX/XXXX, I was sent a letter stating that I would have to pay {$100.00} or do my own appraisal to make sure the house hasn't declined in value. I didn't pay for an appraisal at that time because I didn't want to pay additional money to the mortgage company. XX/XX/XXXX, I realized I would be paying more in PMI insurance than the {$100.00} to have the house appraised. XX/XX/XXXX submitted in writing a request to cancel PMI insurance to my mortgage company Lakeview Loan Servicing. My original loan value was for {$160000.00}, in which when I requested the cancellation, my LTV was 79.4 %. XX/XX/XXXX, Lakeview Loan sent a letter stating I met the LTV but I needed to have a Broker Price Opinion to ensure the value of my house has not decreased and I can sent them {$100.00} to have this done by them. XX/XX/XXXX, I sent a check in the amount of {$100.00} to have this done to prove that my house has not declined. XX/XX/XXXX -- I received two letters from Lakeview Loan. The first one letter ( with the wrong loan number on it ) was denial to removal of PMI from my mortgage. They said that I haven't met the Loan to Value requirements & if I wanted to have another appraisal done, I could do it at my cost. The second letter contained the BPO comparisons and the new appraised value of my house to be {$160000.00}. XX/XX/XXXX -- I called Lakeview Loan to verify what was actually happening with the account since the denial letter had the wrong loan number on it. I was told I was denied because the property value of the house is now at {$160000.00} and I have to pay 75 % of that amount to be able to have the PMI removed. There is nothing on their website nor the government websites that state 75 % of the new appraised amount. The appraisal was to see if my house has declined in value, FROM THE ORIGINAL LOAN, which it has not. I told them no where on their website does it show that it has to be from the appraised value. XX/XX/XXXX -- I called back to verify what they told me yesterday after I tried to do more research regarding the cancellation of the PMI insurance. Again, they said my loan had to be at 75 % of the new assessment value of the house. I DID NOT AS TO REFINANCE THE HOUSE. I wanted to remove the PMI insurance because I have met the requirements stated on their website and the Consumer Financial Protection Bureau. I submitted in writing to remove the PMI, I have not been late on any payments, I have met the 80 % of the original loan value and my house value has gone up. They told me I would have to continue to pay the PMI until I reached {$120000.00}. Yet, when my original loan hits 78 %, that amount is {$120000.00}. They want me to pay even more money towards that insurance when legally they can not do that. I told them I wanted to talk to the supervisor 's boss to explain why I should not have been declined in my request. Their boss was not in the office and said they would contact me on Monday. The rep also said they would have the insurance department review and reach out with more clarification as to why I was denied the removal of my PMI insurance. | ||||||
| 06/24/2020 | Yes |
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| I purchased a new home through XXXX XXXX and their finance comapny. closing date XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX company transfers loan to Lakeview Loan Servicing Co I am a XXXX XXXX XXXX veteran and I qualify for no property tax. info is registered with the county since original closing. Every year during escrow review, Lakeview is adding property tax and therefore cresting an escrow shortage thus raising the price of the monthly payment. Because they are paying off the outstanding debt, and then turning around and adding fees and additional cost to the payment. Every year I have to call in and make a complaint, then they review and make adjustments. So after calling my county to verify info had not change I then proceeded to call my insurance company to see if my rate had increased. I was notified that my policy decreased in XXXX and in XXXX so there could be no way that I could be short on escrow from either insurance, mortgage insurance, or property tax. Something had to be wrong. And then the following occurred. This year specifically, they compounded the issue. XX/XX/XXXX I receive escrow notice that Im short again, payment increases almost {$300.00}. Goes to {$1900.00} starting XX/XX/XXXX I call on XX/XX/XXXX I spoke with XXXX to notify error of charging me property tax. XX/XX/XXXX, XXXX receive letterhead stating that they were recently made aware that I qualify for property tax exemption. And that the account would be reviewed and analyzed and I would be notified within 30 business days. XX/XX/XXXX I make the {$1900.00} payment XX/XX/XXXX I called to ask what was the status because I had not been contacted and payment was due today. So I needed to speak with someone who could give me the correct updated payment. Spoke with XXXX. XXXX notified me of the following. The current amount due today for XX/XX/XXXX would be {$1600.00} The new payment amount starting XX/XX/XXXX would be {$1600.00} I then proceeded to ask XXXX what happens to the overage, and I was informed that the funds would go towards my escrow account. I informed XXXX that I did not want that to occur due to their mistake because I felt the payment amount that I was making during their mistakes should have never happened. After reviewing account again, he informed me that there was an overage and I would be receiving a refund of almost {$600.00}. And that someone from the escrow department would be correcting the issue. 10 days later and I had not been contacted so I called again and asked one simple question. What was my XXXX payment. i was told {$1900.00}. Right back to the same amount from the escrow shortage. So I go online and fill out another complaint and was told iI would get a response within 5 business days. On the 6th business day I got an email stating that the ticket was closed and the issue was resolved. Email had no info pertaining to the issue I go online and look at the account status. It reads as follows. Current payment due XX/XX/XXXX {$2200.00} New fees and charges {$76.00} Past due amount {$1900.00} Unapplied balance {$1600.00} If you do a review of my payment history, I have never been late, nor have I ever paid anything other than the amount due. At a time like we are in, as a XXXX XXXX XXXX Veteran, I can not continue to allocate resources that should go towards other financial responsibilities due to the errors that Lakeview is continuing to make on a yearly basis. Please look into this matter and hopefully I can get this resolved. Thanks in advance | ||||||
| 04/30/2021 | Yes |
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Web | Older American |
| Lakeview Loan Servicing out of XXXX XXXX, VA is such a nightmare to deal with, so many mistakes. In XXXX of 2020 we entered into a Cares Act Forbearance Plan. In XXXX we chose to resume payments and do the Deferral Program since we have a XXXX XXXX XXXX XXXX. The payments were to be added to the end of the mortgage. We were told the deferral would not be in the form of a second loan - the payments would just be tacked to the end. However, we received no documentation for months on the deferral program after asking time and time again. We also discovered they didn't move our escrow payments to the end but instead did an advance and have been taking our recent payments to pay that back - of course putting us in an escrow shortfall leading to an increase in our monthly payment of {$300.00} plus. Kind of seems like it defeats some of the purpose of the deferral program. BUT, this isn't the main source of our complaint. After we deferred the 5 months of payments, we ended up extending forbearance through XXXX XXXX/Lakeview for another three months - but since they had already deferred the payments for the initial 5 months they said we only had an option of paying these additional months in a lump sum, repayment over time, or a full loan modification. We decided to repay in a lump sum as we couldn't afford a higher mortgage payment for the next 6 months and made a payment on XXXX XXXX to repay the outstanding three months of our loan - XXXX. We actually paid the balance over the phone and we can see the payment was received in our records. However, Lakeview/XXXX XXXX apparently never credited this to the second mortgage that was placed on our account ( unknown to us XXXX in this dollar amount. It appears to be a little more than what we were told to pay - apparently they had tacked late fees on as well. So while they accepted our money - the total loan balance never went down which was our clue something was wrong. No one at the bank could even explain why our statement balance showed one amount yet the total balance the credit bureau had and the total balance listed in our account break down showed a much higher amount - the only explanation was maybe there was a second loan against the account but they didn't know why. So we were never made aware that the lender had even done this to begin with - seems like we should have known - but the fact is we chose the full balance repayment option and made that payment which would have negated this second loan. Only they apparently never applied it on their end. This needs to be addressed immediately as we want to refinance and hopefully get out from under this terrible one star loan servicer. But we need to get our principal amount fixed before we discuss with a refinance company. So they took our money yet never gave us credit for it. At this point the only thing that should remain outstanding on our account from forbearance is the principal and interest under the initial deferral program XXXX 5 months ) - yet we can't even see that in our account. So we would like to check that for mistakes as well so we can make sure the proper amount was added - we did make a partial payment at least once during the initial program. We need help with this company. No one seems to know what they are doing and every time we call we get a different answer. This has been going on for months now. It was only today that we feel we discovered the source of the problem on our own - which is more than the lender has been able to do. | ||||||
| 10/22/2021 | Yes |
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Web | Servicemember |
| On two occasions, with the most recent being XX/XX/XXXX and XX/XX/XXXX, I reached out to Lakeview/XXXX regarding what I believe to be erroneous fees. My mortgage was set up on a draft in XX/XX/XXXX at closing which included my taxes and insurance. Subsequent to me being able to retrieve statements physically, I realized that there were fees attached to my mortgage. At the same time I realized that there was in excess of {$1700.00} sitting " unapplied ''. I spoke with a rep who explained that what occurred was that during COVID my payment changed and that the money being held was never applied because " it was not a full payment ''. At this point I was told to pay an additional $ XXXX to make it a full payment and it would be applied. However fees still remained. When I inquired about those $ XXXX fees I was told that they were late fees, although no bureau reports that my payment was late because of the draft date. I was never apprised that my funds were being held for over a year. Not by phone, not in a letter, nothing. The agent stated that she could see where the error occurred and I simply needed to ask for a fee investigation to remove them. The increase in payment was also in error because this company never communicated with the tax office to see that my taxes were reduced because I am a veteran. Hence I was still having my mortgage calculated at an erroneous tax rate for escrow. I was told that now I also needed to ask for an investigation the same day for the taxes. I submitted the tax record the same day to show that I was receiving refunds for over payment. I was ASSURED that this would also assist in correcting the error and removing the fees. Well I called back in because for months I received no response. My XXXX statement reflected the same tax rate and more fees. The fees now stand at {$460.00}. The issue I have is when the reduction was finally addressed, my payment that I submitted was still at the rate of correction. My payment was {$1700.00} but my draft was {$1800.00} while this was under investigation. I was paying in excess! How is it that I still have all of these fees? Now it says that there are {$280.00} " in suspense ''. I am baffled. My paperwork was allegedly " lost '' during the process. I called in again and was told the same thing. " Mr. XXXX we see the error, and if you file those an investigation of the fees, they should be removed ''. Not only did it not happen, but again, there are more fees. I finally called again on XX/XX/XXXX to inquire about all of this. The agent said he couldn't understand why this was escalated to him. Once I got him to pour through the notes and see, he assured me that I would receive an answer by XX/XX/XXXX. I called and was flatly told that my appeal of the fees was denied. I am on a fixed income as a XXXX veteran and can not understand why I am being charged fees that originated from errors made by the lack of communication with the tax department and this mortgage company. I can not afford to pay these fees and no one seems to care. I placed my mortgage on a draft to avoid such issues, but to no avail. I feel as though I've been the victim of deceptive business practices and moreover lied to by this mortgage company. None of my overpayments were ever applied to my principle and while the funds were held in suspense for over a year, I was deprived of their use or any interest received as they were held. I argue that that is both unethical, illegal and tantamount to theft. | ||||||
| 05/01/2023 | Yes |
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| I have been trying to get the PMI dropped off of my mortgage loan since XXXX of XXXX. I had been receiving emails and letters from the refinancing department of Lakeview XXXX. These communications all said that their analysis of my current mortgage shows that I may be eligible to do a Cashout refinance. With this information, I contacted the PMI department in XXXX of XXXXabout having the PMI dropped since their analysis showed the value of my house had increased enough to not require the PMI to continue. This request was denied in XXXX of XXXX. I contacted them and asked why and what was needed to show the increase in value. The person I spoke with on XX/XX/XXXX said I could submit another request and have some supporting documentation to support the increased value of my house. On XX/XX/XXXX I submitted a new request with comps and a Comparative Market Analysis of my property. ( see attachments : # 1, # 2, # 3 and # 4 ) My request was denied again, but I did not receive any documentation as to why. I contacted Lakeview XXXX on XX/XX/XXXX to ask why. I was then told that I need to have a Broker 's Price Opinion or an Appraisal both which need to be ordered and paid for through Lakeview and their appraiser or broker would conduct the appropriate work order and submit to them. However, I continued to receive correspondence that their analysis of my mortgage showed I could potentially cashout up to {$72000.00}. ( see attachments : # 5, # 6 ) In XXXX of XXXX, I had applied to a HELOC through XXXX XXXX XXXX. They ordered an appraisal of my property. I paid {$890.00} for the residential appraisal for my property. On XX/XX/XXXX, I contacted Lakeview XXXX again and asked about submitting another request to have my PMI dropped and I had a current appraisal to submit to show the increased value of my house. On XXXX XXXX, XXXX, I submitted my 3rd request to have my PMI dropped and the attached appraisal would show a value of {$510000.00}. ( see attachments : # 7, # 8 ) On XX/XX/XXXX, I was again denied, stating that my loan to current value ratio of 75 % or less needed to from the BPO or appraisal. ( see attachment : # XXXX ) On XX/XX/XXXX, I contacted Lakeview XXXX again and asked for a supervisor. I explained my frustrations to the supervisor, who forwarded my complaint to the " Escalated Request Division ''. On XX/XX/XXXX, I was contacted by the case worker assigned to my complaint ( XXXX? ) who told me she was researching my complaint and would keep me informed as to the progress. XXXX contacted me on XX/XX/XXXX asking for details of what I had submitted in my last request. I told her about the appraisal ordered through XXXX XXXX XXXX that I had submitted as well as the other 2 times I had submitted my request. On XX/XX/XXXX, I received an email from the Escalated Request Division stating that my case had been resolve and to log into my account to see the outcome. ( see attachments : # 10, # 11 ) When I logged into my Lakeview XXXX mortgage account, there was no change and PMI is still on my loan. But according to the refinance department of Lakeview, their recent analysis of my property shows I could be eligible for a cashout refinance of up to {$69000.00}. ( see attachment # 12 ) No where did it indicate that it would be this difficult to get Private Mortgage Insurance removed when I initially got the loan. I have not missed payments and they are on time or early. Please help my to resolve this issue and get my PMI dropped. | ||||||
| 12/07/2021 | Yes |
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Web | Older American |
| I have an FHA Mortgage with XXXX XXXX XXXX Since XX/XX/XXXX, because of COVID-19, I have been in a Forbearance Plan and have made 18 monthly partial payments. As of XX/XX/XXXX, I am 20 months delinquent. Since I can not resume making the full payment, I requested a Loan Modification with Partial Claim. I am in possession of the Loan Modification package which did NOT contain any written breakdown of the amounts showing on the Modified Deed of Trust and the Promissory Note for the Partial Claim. Toward the end of the Forbearance period, I was NOT able to contact the Lender by phone because the only number provided required me to enter a partial SS # and then it would state that the SS # was not valid and hang up. I reported this problem a year ago and also more recently via email and the Lenders Contact Us page. Recently, during this Modification negotiation period they have provided a different number for Customer Service. I have talked with several different Service Reps including Supervisor XXXX, and they give rambling lists of items contained in the Modification amounts but no clear numbers. I have requested a WRITTEN breakdown of the Modification debt and in order to expedite, I asked that the breakdown be emailed to me. They did email me an accounting of my escrow account ( for taxes and insurance ) after I became agitated when one Service Rep told me the Lender had not paid the County Taxes. That proved to his error. The written accounting of the amounts included in the Modification has NOT been given. The amounts on the Trust deed and Note seem to be near to what I expect and I am nearly ready to sign the documents except for XXXX HUGE PROBLEM. They included an unexpected extra document that is VERY PROBLEMATIC ( attached ) : Errors and Omissions/Compliance Agreement. Supervisor XXXX at Customer Service stated that she could NOT COMMENT on the document, that only the Underwriters could ; and no, I could not talk to them. The HUD Housing Counselor with 10 years experience that I contacted said she had never heard of this document and could not find it in her list of FHA documents on her computer. I believe this document to be UNFAIR, FRAUDULENT, ABUSIVE AND POSSIBLY ILLEGAL. The Errors and Omissions document states that ( in summery ) XXXX the Borrower will cooperate in the correction of any clerical errors in the document. ( EVEN THE AMOUNTS OWED?? ) THIS SEEMS TO ALLOW THE LENDER TO ALTER THE DOCUMENTS AT ANY TIME. XXXX. Borrower will assume Lender 's costs WITHOUT LIMITATION, expenses, legal fees and marketing losses to assure the loan will be acceptable in the marketplace. XXXX. Failure to comply ( IN 30 DAYS ) will result in the lender adjusting the modified terms WITHOUT THE BORROWER 'S CONSENT. This document NEGATES any relief or advantage obtained by the Modification. If I was not previously responsible for the Lender 's marketing costs, WHY WOULD I BE NOW? If I am in the compromised position of needing a Loan Modification, how could I possibly successfully take on additional costs ( WITHOUT LIMITATION )?? The Lender is not making a legitimate effort to fulfill their obligation to offer a FAIR modification of this Federally insured loan. I believe this Lender is making a grab for the Home equity of a XXXX XXXX and/or forcing me into foreclosure. I will NOT sign this document, nor will I accept any lesser Modification than what is published in HUD 's recent " Letters to Mortgagees ''. | ||||||
| 06/09/2021 | Yes |
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| On XX/XX/XXXX I closed my loan with XXXX XXXX XXXX. Before I was able to close USDA had a XXXX lien-partial claim on my home in which I did not know about. This XXXX lien was initiated by XXXX XXXX from XX/XX/XXXX. The amount XXXX received from USDA was {$13000.00}. This amount was received as a corporate advancement to help with my escrow on my home loan. The closing attorney who handled my closing stated that it was his legal responsibility to pay for the XXXX lien-partial claim in order to continue to facilitate the process. The {$13000.00} was taken from my proceeds to fulfill the obligation. I informed XXXX XXXX prior to signing the closing document what was happening. I was informed by Customer Service XXXX after they reviewed my account that they being XXXX XXXX is responsible for paying USDA the {$13000.00} for it was included in the closing payoff amount. So with reassurance I signed my closing documents in the beginning of XXXX. After a couple weeks I called back to check on status of refund to me in the amount of {$13000.00}. I was told by XXXX different agents as well as supervisor in customer service that the process usually takes 20 days for my refund. So I patiently waited during that time. I called back to XXXX and another customer rep. stated that XXXX also issued a check to USDA on XX/XX/XXXX to satisfy the debt that was included in payoff. I then immediately contacted USDA to let them know that they received XXXX checks in the amount of {$13000.00}. USDA confirmed that they only received the XXXX check that my closing attorney sent to them. XXXX Have proof of all documents and communication ). I then contacted XXXX XXXX numerous times throughout the week with several mix answers from XXXX different supervisors. The first Supervisor I spoke with stated that she had approved the refund and my check will be overnighted to me, well needless to say when I didnt receive my check I called back immediately. I was told by XXXX in Virginia that there was a mistake on XXXX behalf. He said that XXXX representative XXXX have overlooked that the check in amount of {$13000.00} was never issued to USDA on their behalf. He said any representative can easily look into the account and assume since the balance is zero and closing documents have been signed then everything is settled. But he did some more extensive research and seen where the check was not sent to USDA and that the funds were in a separate advance account that will need to located and charged in order to refund the {$13000.00} that is due to me. He apologized for the delays and put the information for another department to research the corporate advancement account so they could submit my refund check to me. He then told me that he would call me back after the holiday XXXX XXXX XXXX XXXX. So on Tuesday I did not hear from him so I called back to check on the status. I was immediately told that my escalation was closed and I will not be refunded. The nerves these people have to have already stated that I was due a refund to then turn around and tell me no, youre not getting this money. After showing them all the evidence that they requested that supports claim. They just dont want to issue my money and this is absolutely absurd. I will have to get a lawyer to deal with these XXXX crooks. So I am filing an official complaint against XXXX XXXX XXXX and this closing process on how it has been completely mishandled. | ||||||
| 08/30/2022 | Yes |
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| The end of XX/XX/2022, I called XXXX to explain my situation to see what my options were. My husband at the time was on unemployment and not getting a whole lot each month to help pay the mortgage and other bills. I was told that I had to late on my mortgage to even apply for mortgage assistance. I waited until XX/XX/XXXX and applied for the mortgage assistance. My mortgage is in my name and my father in laws name. He does not contribute in anyway to help pay the mortgage. I was told that the only information needed was mine and my husband 's. I filled out all the paperwork and submitted everything. The communication was horrible with the mortgage company. I never received phone calls, or emails with the progress. I would call several times and just be on hold for over an hour each time. I finally received a letter in the mail stating I was missing documents. The date that I had to have the missing documents was only a couple of days before would close my application. On the letter it did not state what documents were needed. I called once more and finally got a hold of someone. She told me what documents were needed. I then submitted everything in the time frame that was allotted. I called back again and was told that everything looked good on their end and that my application would go to the underwriters. I never received any more communication from them. I was told it could take up to 30 days to get an answer. I waited a little while and then called back because I had not received any kind of communication. The gentleman that I talked to told me that my application was closed due to documents not being submitted in the time frame allotted. I was so upset that I had to once again submitted a whole new application. I gathered all paperwork and submitted everything once more. I did receive a letter a couple weeks later that stated I needed to provide more paperwork. But the due date was the same date I received the letter in the mail. I called immediately and after a wait got someone on the phone. I explained that I just got a letter in the mail that stated I had missing documents and the due date for the documents was that day. She told me she would put a note on my account and give me some extra time to get the documents in. Within a day I had all the documents submitted. I called back on the XXXX of XXXX to see what the status was for my application. The gentleman put me on hold and never came back to the phone. I sat on the phone waiting for over an hour. I called back today the XXXX of XXXX to see what the status was because I received a letter in the mail from a law office stating that my loan has been referred to foreclosure. I finally got someone on the phone after being on hold for about XXXX minutes. She told me my application had been closed again. Supposedly for more missing documents which I Never received a letter, email, or phone call letting me know. They have been dragging out this process for 6 months and now I am in jeopardy of losing my home. I have XXXX kids in the house and don't have any family member we can turn to. I do not want to foreclosure on my home, I just want to get some options to get my account back to current status. They have drug this whole process out where it will be really hard to get caught up without any options. The communication with this company is completely horrible and I would Never recommend anyone to use them for a mortgage. | ||||||
| 04/14/2019 | Yes |
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Web | Servicemember |
| I am writing to you in desperation. I am an XXXX Veteran of the United States XXXX and our home/mortgage is under a VA Home Loan/Mortgage. Our mortgage company is Lakeview Loan Servicing , LLC. A little background/timeline : I work for XXXX currently, am the sole bread-winner of a family of XXXX ( my wife can not work due to XXXX XXXX and my XXXX children live with us ). I suffered a XXXX XXXX injury in mid-XXXX of XXXX and had to go out on XXXX with my company until I returned to work around XXXX XXXX of XXXX. During that period, my pay was significantly reduced and we fell behind on utility bills and our mortgage. We sought the assistance of community services and received help. In particular, XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, Texas graciously offered to catch our mortgage up-to-date by paying XXXX, XXXX and XXXX mortgage payments. We started this process with XXXX late XXXX and have been given continual resistance/run-around by our mortgage company. In order for XXXX to pay our 3 months and bring us up to date with our mortgage, they require certain forms be filled out and the mortgage company to register as a Vendor this allows XXXX to cut a check to pay. XXXX has tried paying by credit card our mortgage company refuses to take this kind of payment or ACH as well. And yet, our mortgage company refuses to work individually with XXXX to resolve their requirements and allow payment. This is putting us in a foreclosure state. The attached correspondence is only part of our frustration with our mortgage company there are additional hours and hours of phone calls that have been made to have a person assigned to our situation and resolve XXXXs requirements so that we can avert foreclosure! XXXX is ready and willing to pay, but our mortgage company refuses to work with them! Sadly, I contacted the Veterans Administration and they state to me that they have no power or jurisdiction/say in the matter. I have nowhere else to turn to PLEASE HELP!! I do not want to lose our home and have my family homeless because my mortgage company refuses to work with XXXX and accept a payment to bring us up to date. Additionally, every time we ( myself, my wife or XXXX ) attempts to call our mortgage company, we sit on hold in upwards of an hour-and-a-half, then get some customer service agent who refuses to escalate our request to speak to a manager or higher they always state I will send an e-mail AND NOTHING GETS DONE OR MOVES FORWARD! WE ARE BEING PURPOSELY STONEWALLED! And to top it off, my mortgage company keeps trying to force us into a forbearance or other time assistance plan I tell them over and over again that we do not need that we simply need them to complete whatever is needed by XXXX so that XXXX can cut a check to them and bring us up-to-date. If this happens, then we are back on track with paying our mortgage I am back to work and our financial stability is restored but I CAN NOT afford three months back-mortgage AND following one of my mortgage companys assistance programs will cost me additional fees plus the three months that I still can not afford!! We did a forbearance plan with them several years ago and [ unknown or not stated to me ] they tacked on attorney/processing fees plus the back mortgage payments! THEY ARE FORCING US INTO A FORECLOSURE STATE!! PLEASE HELP!!!! Our Mortgage companys information is as follows : Lakeview Loan Servicing Loan Number XXXX XXXX | ||||||
| 01/09/2018 | Yes |
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| this situation truly started in XX/XX/XXXX when sending us a check for XXXX stating they could not keep that amount in escrow for tax purposes? In XX/XX/XXXX we realized this was incorrect and received notice of an increase when calling to ask we were told because we did not pay back the XXXX, through the course of the year this has been paid back plus XXXX.On or about XX/XX/XXXX we received notice that our loan company was partnering with Lakeview all looked well until we received the escrow amount was incorrect, my husband and myself were on the phone for over 4 hours until the situation was resolved and the error of XXXX/Lakeview was corrected.in our account, upon looking at our account in XX/XX/XXXX we have seen discrepancies and have been trying to resolve and were informed we were projected correctly and the total showed the taxes paid in XX/XX/XXXXbut did not reflect in our statement, but yet in the month of XX/XX/XXXX and XX/XX/XXXX we had nothing taken out for our escrow? When the following month the Phone call was made and I spoke with an agent #XXXX she stated that instead of XXXX for Insurance they only withheld XXXX? When I asked why she could not answer and she told me someone would call me back to handle this, I never received a call back. I called again in XX/XX/XXXX and was put on hold for so long it hung up. I called back and was talking again to #XXXX who stated to hold on as she would get someone for me and again I was on hold for so long it hung up. I was face timing my daughter who witnessed this and the conversation I was having with the agent (made on my landline). I called again and left a call back number. I was contacted by a agent who proceeded to tell me I was short because the escrow team projected a XXXX Insurance premium? When asking her on what bases were they calculating as my Insurance has never been under XXXX she told me I was angry and would not allow here to finish and transferred me to #XXXX with this she conferred that they did indeed mis calculate and assumed that no windstorm was applicable? My Insurance company sent to them the same information available and composed on the Declaration page. So again I ask her by who's presumption and not following the Insurance trend for my property? #XXXX stated we could take out a 24 month deferment for our escrow since they are not blaming me.... I ask how are you not culpable? By their own admission they simply stated we did not have all the coverage information and decided to add or delete coverage per ???? Which in itself is not a whole truth as they receive the same information on Insurance premiums as myself provided by XXXX XXXX XXXX/XXXX XXXX. While the increase in my monthly payment should not increase by over a hundred dollars again due to the grossly miscalculations based on inadequate information or presumptions. The explanation of the increase is now as they have corrected the error XXXX after we pay back the XXXX shorted the escrow account. I asked how can this be as our payment should only be impacted Taxes and Insurance which have not escalated, but I could see with taxes increased slightly they would want to be ahead of the curve forXX/XX/XXXX. This in no way deflects from the escrow account and the MAJOR shortage. While she admits it is their mistake and apologized for the mistake I now have to face financial hardship in order to rectify their accounting practices. | ||||||
| 03/23/2021 | Yes |
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| Dated from XX/XX/2020 until currently, as issues hasn't been resolved. Lakeview Loan Servicing LLC ( Serviced By XXXX XXXX ) made a tax disbursement in the amount out {$2100.00} instead of {$500.00}. The {$2100.00} was the incorrect amount, contact was made with the tax office for correction. Once the tax bill was received contact was made XXXX XXXX and I was advised to email documentation to XXXX. A new copy of the bill was sent toXX/XX/XXXXon XXXX XXXX at XXXX EST and XX/XX/2020 XXXX EST to the email provided from representative. On XXXX XXXX at XXXX I spoke with XXXX from XXXX XXXX who then advised an insurance disbursement wasn't paid out as of yet, but he confirmed tax disbursement was made. I ask to speak with a manager. Call was then transfer to XXXX, he advised escrow analysis will be completed, and he would track down the refund due to the tax amount being over paid by XXXX XXXX. He advised request was submitted and he also confirmed that the county tax website reflect the bill amount as {$500.00} instead of {$2100.00}. He also provided 3-5 business day time frame. On XXXX XXXX spoke with XXXX, whom confirmed there was a note on the account for tax reimbursement in the amount of {$1600.00} and escrow analysis to be completed. She advised a refund should process in 3-5 business days. I still requested to speak with a manager. Call was transfer to XXXX. XXXX advised she was a manager. She provided with her call back number as XXXX and she was schedule to work XXXX XXXX. She advised she would give a follow up call on MondayXX/XX/2021 Call back was not received from manager. I called XXXX XXXX on Monday XX/XX/2021XXXX XXXX EST. I advised the representative of the ongoing issue and requested to speak with a manager due to no call back. Call was transferred with no preparation and I was on hold for 14 minutes. I then disconnected the call and called back at XXXX spoke with XXXX and he transferred call to a manager XXXX ( didn't ask her for the spelling of her name ) She advised there was a disbursement to the insurance company as well In the amount of {$1200.00}. She also confirmed the refunded received from the tax office, and advised funds were deposited into escrow totaling {$520.00}. I then advised the refund should have been mailed to me and an escrow analysis should have been completed, as my mortgage payment increased due to XXXX XXXX making incorrect payment of taxes and also disbursement of insurance payment. She then advised due to the escrow account previously reflecting negative there will be no refund mailed to me until next year. I then advised because of the tax payment XXXX XXXX disbursed for the {$2100.00} instead of {$500.00} and insurance disbursement {$1200.00} that caused the escrow to be negative. She then confirmed with a yes. I advised her that I provided the correct bill months ago, and XX/XX/XXXXfailed to process the documentation and the correct payment. I advised that due to XXXX XXXX Careless acts of disbursements my monthly mortgage payment amount has increased {$250.00} and also potentially effecting my credit. she then advised she would forwarded information over to her manager. She advised she would call me back today ( XX/XX/XXXX ) and her manger would call back within 24-48 hours with follow up call. As on Tuesday XXXX XXXX XXXX EST, call back has not been received. ( 53 minute call time ) | ||||||
| 05/23/2023 | Yes |
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| My husband and I completed our Modification of Deed and Trust paperwork on XX/XX/XXXX and had the documents notarized at our local XXXX XXXX. Unknown to me, during the Loss Modification process our bank XXXXXXXX XXXX presented a Declaration of Unauthorized Endorsement or Altered Item. XXXX XXXX XXXX refunded the money to XXXX XXXX. This stems from an incident that occurred on XX/XX/XXXX. I received a phone call from Lakeview Loan Servicing telling me that I was a month late on my mortgage payment for XX/XX/XXXX. I called XXXXXXXX XXXX customer service after the call. I was told that my check was presented for payment on XX/XX/XXXX endorsed for cash. Made a call back to Lakeview Loan Servicing who insisted they never received my payment. I went back and forth with Lakeview Loan Servicing sending documents only to be told that was not good enough. They wanted my bank statement for XXXX. I had to wait mid-month to receive my online bank statement. While waiting for my statement, I went in person to XXXX to file a claim on XX/XX/XXXX. After explaining my situation to a bank representative, they had me file a Declaration of Unauthorized Endorsement or Altered Item. On XX/XX/XXXX, I was able to access my online bank statement and faxed a copy to Lakeview Loan Servicing. I checked back the next day via phone about the check. They informed me that they found my check. It was added to the wrong account even though my check had my account number on it. I started getting numerous calls on XX/XX/XXXX from Lakeview Loan Servicing. I was at work at this time and reached out to them at XXXX. that day. The representative after varying me stated that I a balance due of {$1.00}, XXXX. I stated I paid my mortgage payment. So, I asked for a supervisor. He stated this amount was due and I asked where this stemmed from. He put me on hold for twenty minutes. I was then told in XX/XX/XXXX while going through the Loss Modification process this happened. They have been dividing my mortgage payments up since XX/XX/XXXX and that the {$1100.00} was overdue. I told him I received a statement for {$3600.00}. When I called Loss Modification department they told me to disregard it, they where still processing my Loss Modification and my account would update to the correct amount. The money was returned to me via deposit around the same time my tax refund came in. I had an automatic debit set up to pay my property taxes. So, I did not catch it. They suggested I reach out to my bank about it. I asked about getting an extension to pay and was told I had until XX/XX/XXXX or they would report me to the credit bureau for a late mortgage payment. I reiterated that I did not receive a phone call or letter from Lakeview Loan Servicing regarding this issue and that alone should allot for me to receive an extension to pay the access. He told me they were not flexible with the payment date. After the call I went to XXXXXXXX XXXX and spoke with a personal banker. She reached out to the customer claims department. The personal banker informed me that the claims department had been trying for a year to get a response from XXXX XXXX XXXX who Lakeview Loan Servicing has their corporate account with. The personal banker suggested I file a complaint against the mortgage company for not informing me of the situation and not giving me time to pay the excess. | ||||||
| 06/25/2022 | Yes |
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| XXXX. On XX/XX/XXXX, XXXX XXXX EST I contacted Customer Service and spoke to a XXXX. XXXX XXXX brought to my attention that the Mortgage company did not pay the property taxes and XXXX of our lots and was now past due. ( Exhibit XXXX and Exhibit XXXX ) XXXX. XXXX completed some research and stated he placed the request and should see the taxes paid by XX/XX/XXXX. Lot XXXX was due {$150.00} plus a late fee of 10 % and Lot XXXX was due {$150.00} plus a late fee of 10 % XXXX. On XX/XX/XXXX I received an email that they had made a disbursement for the taxes for each lot of {$1000.00} in separate checks totaling {$2100.00} ( Exhibit XXXX ) XXXX. On XX/XX/XXXX at XXXXXXXX XXXX EST I contacted the County Treasurers office to encounter what they would do with the overage in payments - since this now made our Escrow account negative. The County stated they could not accept this amount and would mail the checks back to the Mortgage Company with a copy of the bill for each lot and have then resubmit the payments XXXX. On XX/XX/XXXX at XXXX EST I contacted the Mortgage Company and spoke with XXXX XXXX I simply wanted to know how this happened and what are they going to do to fix it. I don't think XXXX had any answers for me as she just continued to XXXX me throughout the call. The only useful information she provided me was the XXXX Tracking numbers in which I did call and provide to the County so they could be on the lookout for the checks. XXXX. On XX/XX/XXXX I received an Annual Escrow Account Disclosure Statement in the mail where the Mortgage company stated we had an Escrow Shortage of $ XXXX. I which they advised they were increasing our Mortgage payment - Escrow specifically - from {$1200.00} to {$1400.00}. Of this increase {$150.00} was to go towards paying the Mortgage company back for the property taxes and {$9.00} was to be an increase in the estimated " new '' taxes they made up. ( Exhibit XXXX pages XXXX ) XXXX. On XX/XX/XXXX at XXXX EST I contacted the Mortgage Company and spoke to an XXXX XXXX XXXX advised they did receive the checks back from the County Treasurers office and the new checks for the proper amount would be disbursed. She confirmed my Escrow balance at this time was {$1200.00}. She advised she will put in a request to recalculate the Escrow and monthly mortgage payment and the amount should be {$1200.00}. This is still {$9.00} more than the original amount. She advised she could not locate why the additional {$9.00} but tried to convince me it is for the change in my XXXX XXXX 's XXXX. I disagreed as my XXXX XXXX 's XXXX is not set to renew until XX/XX/XXXX and I logged into our online account and no new billings or charges was listed. XXXX. On XX/XX/XXXX I received an email that the correct amount of taxes were disbursed for the County taxes for each lot. ( Exhibit XXXX ) XXXX. Today is XX/XX/XXXX and quite frankly they still have not corrected their mistake and adjusted our Mortgage payment back to its original amount. ( Exhibit XXXX ) XXXX. We have had nothing but issues with this Mortgage company mishandling our loan and our Escrow account. In XXXX we also received a letter that between XX/XX/XXXX and XX/XX/XXXX an unauthorized person accessed their files and mine and my husband 's personal information was obtained by this individual. Absolutely unacceptable ( Exhibit XXXX ) | ||||||
| 02/01/2019 | Yes |
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| Today is XX/XX/XXXX. This problem starts in XX/XX/XXXX. I have a mortgage being serviced by XXXX. I was notified my insurance was not up to date on XX/XX/XXXX. My policy was in effect ( in fact XXXX paid the bill ) but XXXX claimed not to have a current copy, even though my insurance company assured me they had sent XXXX a copy of the renewal in XX/XX/XXXX when the policy renewed. I contacted my insurance company to request they send another copy which they again assured me they would. On XX/XX/XXXX, I received another notice saying my wind peril coverage was not in effect, and that XXXX has ordered coverage. I again had my insurance company send ANOTHER copy of my policy ( XX/XX/XXXX ). This is my own coverage and does in fact have wind coverage stated on the policy. My XX/XX/XXXX mortgage billing statement for the XX/XX/XXXX payment reflected an increase in my monthly payment of approximately {$400.00} to cover the now shortage in the escrow account because of the lender paid insurance. I called XXXX and was able to speak with a service agent and explained the situation and was assured the lender insurance would be removed and my account would return to normal. My mortgage payments are on auto-payment through my bank and are made on the XXXX of every month. XXXX XXXX payment was made as usual, at the regular payment amount before the {$400.00} increase. I received a letter dated XXXX stating that my payment was past due ( the elevated amount ) and I was subject to a {$64.00} late fee as well as possible derogatory credit reporting. I began calling the 800 # to speak with someone regarding this entire mess. I also requested a copy of the Master Insurance Policy from my condo association and uploaded a copy of that to XXXX XXXX website on XXXX, just in case that was what they were asking for even though they never asked for it. I began calling customer service in the afternoon of XXXX. The voice recording said the wait to speak with a representative would over one hour. I was not able to wait that long. I called again on XXXX in the afternoon and also received the same wait time of over an hour. I called again in the early evening on XXXX and waited on hold approximately 45 minutes until I couldn't hold any longer and hung up. I called again late morning on XXXX and received same hour wait. I hung up and called back and tried to go through each available option to speak with someone. The insurance department 's recording says you can speak with someone, however, all the options after that point on the automated system only give you recorded info. There is no ability to speak with an actual human being. I called again on XXXX at XXXX, and this time decided to choose the " leave your number and the next available agent will return your call ''. As of the time of this complaint, XXXX on XXXX, I have not received a call back. I am beyond frustrated at this time. I do not have the time to spend trying to contact someone at this company over and over to correct something that is their own mistake. I have tried NUMEROUS times over many months to provide the requested information to no avail. I refuse to pay an elevated payment to cover their mistake, refuse to pay a late fee over their mistake, and refuse to accept derogatory credit reporting due to their mistake. PLEASE HELP!!! | ||||||
| 11/24/2017 | Yes |
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Web | Older American, Servicemember |
| XX/XX/XXXX : Contact with XXXX . XXXX XXXX ( NMLS XXXX ) of Lakeview Loan Serving Company ( LLC NMLS XXXX ). I wanted to change my FHA loan to convention loan. So could save on the FHA insurance. At this point an agreement was signed and appraisal of the home was made, which I paid approx. XXXX, and the documents/signed paper request were email and sent to XXXX XXXX. At this point, she advised that I pay off my HERO loan and a credit card. I advise that I was not concern about the credit cards, just the HERO. The file was turned over to XXXX XXXX, and then I received a call from XXXX XXXX, about XX/XX/XXXX, indication that appraisal came low ... again I advised XXXX XXXX that I would per just paying the HERO loan off and that credit cards were not important. At this point we decided to go an re-apply for FHA loan and re-appraisal. The appraisal came back higher and it gave more room to pay more things off ... which I only wanted to payoff the HERO loan. I was then given a review officer named XXXX XXXX ( XXXX XXXX ). Who was very helpful and advised and needed extra document which he received. It was this time ( 3x ) that asked about paying my mortgage payment. XXXX XXXX always stated to wait because we would be closing before the due date of the mortgage payment. XXXX XXXX advised other wise and made payment before the penalty period. I received a phone call from XXXX XXXX XXXX ( XXXX XXXX ), in the start of XX/XX/XXXX, that she would be reviewing my application, the application was pre-approved and again had to sign some documents. I asked, XXXX XXXX about a closing date, she advise about XX/XX/XXXX. I asked her about paying the mortgage payment also advise to pay it. She further advised that the loan agreement was to end on XX/XX/XXXX. This was not known to me. On XX/XX/XXXX, I received a call from XXXX XXXX, indicating my loan was not approved because a ratio to income, did not understand, especially when it was pre-approved. The file was returned to XXXX XXXX, we discuss the issue and numbers, and it came back approved. On XX/XX/XXXX several attempts in calling XXXX XXXX for updates and she stating that she was working very hard with her supervisor the have loan approved. She then requested a letter from my retirement group, indicating monthly income. She was already aware of my income ... but I send her the letter from my retirement group on the same date XX/XX/XXXX. I also advise her through the email that HERO had a payment due on XX/XX/XXXX the same day of the loan contract. On XX/XX/XXXX I had made contact with XXXX XXXX ( loan officer ), who was able to guide me in the right direction and I trust his judgement. I advise XXXX XXXX, that I was having trouble and difficulty reaching XXXX XXXX, by email and phone calls, and just wanting an update. He advised that he would contact her and to call me. XXXX XXXX that she would make contact. She never did ... At this point, I tried and continue to make contact with XXXX XXXX, with negative results. Without any contact, I decided to send an email to customer services, XXXX XXXX and XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX again I tried to contact XXXX ... nothing On XX/XX/XXXX I sent another email to XXXX XXXX and XXXX asking for an update I received nothing or update. | ||||||
| 08/30/2023 | Yes |
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Web | Older American, Servicemember |
| I am a XXXX XXXX XXXX XXXX XXXX who served in the XXXX XXXX for 20 years. I purchased my home with a VA loan in XX/XX/XXXX through XXXXXXXX XXXX. I have sufficient income from my benefits to afford my home and my mortgage payments. Two months after I bought the house the servicing switched to Lakeview Loan Servicing which is part of XXXX XXXX. Ever since that happened it has been a disaster as Lakeview Loan Servicing has been engaging in unethical servicing practices, misappropriation of funds and quite possibly fraud relating to my mortgage loan and payments made on my account. Due to accounting errors, incompetence, malfeasance or unethical and illegal activity Lakeview is claiming that they have not received mortgage payments, has lied by stating that wire payments were refunded back to me, and has provided absolutely no transparency relating to how this happened and what happened. Their agents are calling me and harassing me and telling me that I am {$12000.00} behind on my payments. I worked with a forensic accountant and my bank and I have documents and ledger ( attached ) that show I have made all payments as agreed and that I am not behind on my mortgage loan I need Loan Care to provide a full and complete accounting of each payment that was received, the amount of the payment, the date it was received and the date that it was posted. If the payment was made by check I need the check number. I need XXXX XXXX to provide a list of any payments that were returned, the date they were returned and the reason that they were returned. I need XXXX XXXX to provide a list of fees, charges, late fees, junk fees etc. that have been added on to my account. After completing my 20 years of XXXX XXXX I went to work as a XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX in XXXX and due to my service with the XXXX and state employee pension I earn good benefits. I purchased this home in XX/XX/XXXX and the loan was initially with XXXX XXXX I set up the payments to be automatically debited from my account through bill pay. I was notified in XXXX or XXXX that the servicing was going to be handled by XXXXakeview Loan ServicingXXXX XXXX and I contacted my bank to change it. My bank account showed that the payment had been drafted but their agents started calling me and telling me that I was late on the payment, even though I had sufficient funds and my bank originally showed the payment had been drafted and cleared. This was the start of a horrifying pattern with Lakeview and it has been extremely stressful and depressing. I am XXXX XXXX XXXX and don't need this!! Every month I would call their agents and tell them the money was in the bank and that my records showed the payments going out every month but they still said I was behind. As a result of this I began directly wiring the money to them but they continue to tell me that I am late. I received a letter in XXXX that said if I wired {$6000.00} I would be fully reinstated. I sent the wire and confirmed it was received but instead of catching me up their agents told me that they only applied a portion of it to my loan and the rest of the money I was told was being refunded, but I never received any type of refund. My mortgage statement shows that they received the full wire but did not apply the funds. | ||||||
| 03/18/2023 | Yes |
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| 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. | ||||||
| 05/01/2017 | Yes |
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| This is a copy of the letter mailed to XXXX XXXX via cerified mail. Date : XXXX XXXX , XXXX To : XXXX XXXX Lakeview Loan Servicing , LLC XXXX : Cashiering Dept. XXXX XXXX XXXX XXXX XXXX , VA XXXX Cc : CFPB - consumerfinance.gov From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : Error Resolution Notice und er 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request correction of the error described below regarding the mortgage on my property at XXXX XXXX XXXX XXXX XXXX , TX XXXX . There are concerns that have not been resolved since XXXX XXXX has acquired my loan from XXXX XXXX . I have contacted the customer service department on several occasions in addition to emailing XXXX XXXX Customer Servic e Team Lead on XX/XX/XXXX w/ several attempts on XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX w/ return read receipts via email. I spoke with customer service was on XX/XX/XXXX and spoke w/ a supervisor where I was again promised that the following concerns below would be addressed, but it has yet to be resolved. PMI Online Account Error : Initially when my loan was transferred to Loan care, I was told the reason why I was not able to see all of my loan information online was because the website had not ported everything over yet. Specifically, I asked about PMI and they said this feature would be updated and available for viewing online within 30 days, so that I could clearly view my PMI LTV information. XXXX XXXX acquired my loan XXXX XXXX and still to this day my PMI information is not being displayed. See the attachment of the message I receive when accessing the site. Kindly investigate and contact me with a resolution. -On XX/XX/XXXX , spoke wit h Complaints Supervisor XXXX XXXX XXXX XXXX and was promised an ETA of XX/XX/XXXX to resolved any unresolved issues. She advised that loan was acquired acquired before XXXX ( XX/XX/XXXX ) and she would find documents to support eligibility for PMI removal. XXXX additionally, advised she will get w/ IT to get PMI Updated online and call back w/ options as to if PMI removal XXXX require down payment amount to get LTV wher e it s hould be to eliminate PMI on mortgage or if there is an option for another appraisal submittal if need be. -Did not receive call back as promised which delayed me making payment, thus on XX/XX/XXXX @ XXXX XXXX CST and spoke with XXXX Agent XXXX XXXX who took payment and confirmed that an email would be sent to me via email withi n 24-48 h ours to confirm that todays payment late fee was waived and does not count against XXXX late fee waiver for the year In addition, payment would not be reflected in payment history as a late payment. -CONFIRMATION of payment # XXXX . -On XX/XX/XXXX : Email customer service to alert of no response and requested a call back. -On XX/XX/XXXX : Emailed again alerting that email was final attempt to reach a resolution and notification of NO response. If you need to contact me, I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX & XXXX XXXX XXXX | ||||||
| 02/26/2019 | Yes |
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Web | Older American, Servicemember |
| The problem started on XX/XX/XXXX. The notice letter was going to XXXX, the company, at which time escrow was turned over XXXX XXXX by XXXX. The statement was said to us from by XXXX representatives to minus XXXX dollars from {$2300.00}, which put the mortgage at XXXX per month. Insurance was on the property at closing XX/XX/XXXX, ever since XXXX of XXXX, XXXX in return had reported to Credit bureau of late 30 days every month. We tried several times to solve the issue with no return calls. We contact upper management ; we send several letters to upper management to resolve the situation. But fell on deaf eyes, and we reach a lawyer XXXX of XXXX to be told " it was incorrect of XXXX representatives that only conventional loan, we could have minus out of {$630.00} of the insurance, which the lawyer stated '' And was told to start back {$2300.00}, all payment has been me. In XX/XX/XXXX, we contacted an agent of XXXX in XXXX, who arranges to send out any balance own in 6 months, we decline. We decided to make double payments. XXXX of XXXX, we double two payments, one was XXXX, and other was postal money order. XXXX of XXXX, we pay one, and we had pay in XXXX, which was XXXX from XXXX wired and the other one was instructed by XXXX rep. To go to XXXX to send XXXX and give them a confirmation number to them. Then XX/XX/XXXX, we pay by wire, which we are current and keep getting on harassment from different agents stating in XXXX " XXXX '' and in XX/XX/XXXX we were told we own '' XXXX dollars. '' Had threating to take them to court, we can not define this property because they have seven months of derogatory on my credit and XXXX XXXX & XXXX XXXX XXXX advice at XXXX as derogatory on my credit. So, I can not refinance my house ; they called VA to report default, we noticed VA that there is no default of payments. We offer to send all payment to show that we are current. They in return told us to call the Consumer Financial Property Bureau. We had called XXXX XXXX, who said she is a manager and we had spoken with her. She asked us to email her all payments within 48 hours to call us back. She never did in 10 days and still have to respond from her. At this point, we send all payments and names and badge number, with all payments and written correspondence, with all payment toXXXXheadquarters in XXXX XXXX, VA. Had added a signature a card to return to us that someone signed the package for us and signature card got back to us. Ten days no one had called us, we also sent the Tax Assessor that we are tax exempt, stating that we do not pay any tax for XXXX. We had noticed them, please contact XXXX Tax assessor office, and demanding to lower the mortgage because we no longer pay property tax. Constance harassment from XXXX about a default of {$11000.00}, we tried meeting of the minds Constance calls to restrict this situation again, no response. All of these things are on a recorded line by XXXX and XXXX ; we are concerned about sneaker foreclosure by XXXX. Desperate XXXX XXXX XXXX Veteran in need of advice and help and his family is worried about this predicament. All documents will be mailed to CFPB when required or will be sent to XXXX, Iowa as soon as possible or when contacted. Sincerely yours. Also, thank you for your help. | ||||||
| 02/14/2022 | Yes |
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| On XX/XX/2022 I received notice from XXXX XXXX that my loan would not be serviced by Lakeview Loan Servicing with XXXX XXXX as a subservicer. As of today, XX/XX/XXXX, I have not received anything from Lakeview to notify me that they have taken over my loan. I have tried contacting both XXXX XXXX and Lakeview by phone, email, and portal- with no success. No one knows who I am, or has any information about my loan. After XXXX weeks, on XX/XX/XXXX, ( over a week after the due date on my loan payment, and when I would have normally made an additional principle payment ), I tried to call the phone number on the paperwork that was sent to me by XXXX XXXX, the previous servicer. The phone system is a circular-logic menu of choices for existing customers, there are no options for new customers or those whose servicing is being transferred. This system simply hangs up on you if you say that none of the choices apply. There is no way to ask for a human being or customer service. If you choose one of the menu choices, it often just transfers you to another automated process. If you say, " Billing '' then it takes you to automated payment options. After being disconnected a half-dozen times as I tried to navigate to a department that sounded even remotely close to what I needed, I finally achieved a transfer to speak with a person. The announced wait time was " greater than 10 minutes. '' I spent 30 minutes on hold, then after the person who answered the phone could not locate any information about me, I got escalated to a supervisor ( XXXX from XXXX XXXX ) who said that I needed to be transferred to Lakeview. After another extended hold time ( 10+ minutes ), I spoke with XXXX from Lakeview XXXX XXXX XXXX She said the loan should be in the system by the end of the week. I continued to send email and electronic messages through any online portals that I could find for either Lakeview or XXXX XXXX- these only generated automated replies. Today, XX/XX/XXXX, I again called the number XXXX provided for my new servicer. I again had to try various combinations of menu choices ( and being disconnected again ) to finally get through the menu and be transferred to speak to a human. I was on hold for 25 minutes when XXXX from XXXX XXXX answered. She was very kind, but again could do nothing to help me and could not find me the system. So XXXX transferred me to Lakeview -- I insisted that XXXX not hang up the call until the transfer was complete -- that was another 20 minutes that XXXX and I waited on hold together for a representative to answer the call. Finally, after being on hold for 50 minutes ( for the second time in a week ) XXXX from XXXX answered. She explained that when the Lakeview division of XXXX XXXX is overwhelmed with calls, the calls automatically roll to another division of XXXX XXXX who can not provide customer service to Lakeview customers. This whole system is beyond dysfunctional. The decision to continue to take on more loans, while being unable to handle to current load ( in terms of notifications or providing customer support ) shows completely disregard for the interests of the customers. Some one is choosing profit over compliance and service -- that decision usually goes very badly for a company. | ||||||
| 03/23/2018 | Yes |
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| On XX/XX/XXXX I received a phone call from XXXX who services XXXX XXXX XXXX saying that I had not made a payment for XX/XX/XXXX. I had in fact made my payment and the check had already cleared my bank account. My amount stated on my statement was {$XXXX}. I wrote a check for {$XXXX}. Upon talking to the representative he said I needed to have paid {$XXXX} and that the statement was misprinted. I told him I did not have the money at that time because I had not budgeted for an extra {$XXXX} ( and change ) to come out. I was then transferred to the collections dept to which a very unfriendly lady told me that the mistake was made due to my escrow funds being incorrect and that she would resubmit for it to be reanalyzed but if it went past the XXXX of the month I would still be reported to the credit report bureau even though the mistake was on their part. Approximately XXXX mins later the company XXXX XXXX XXXX calls back to let me know more specifically what happened. The supervisor I spoke with said that when I made an escrow payment of {$XXXX} back in late XXXX they did not apply the fund correctly to my escrow account and held that money a separate suspense account. She said so then my mortgage monthly statement was printed and printed incorrectly. She said once they realized the mistake they started calling today XXXX XX/XX/XXXX ) to get the remaining amount of money due to them. I told her that I had been told {$XXXX0} was my new monthly payment. She stated it was incorrect and if I did not pay them the additional $ XXXX I would be reported to the credit bureau. I stated " if the mistake had not been made in the first place then the proper amount could have been budgeted and submitted. '' This is not the first mistake this company has made with me. Last year XXXX they claimed I never made a payment in XXXX to which I spent countless hours having to prove I paid it and paid on time. The made a mistake on my escrow at the end of XXXX stating that my house was not Homestead Exempt and I owed {$XXXX} additional to them to which later they told me was a mistake on their part and my house was and had been homestead exempt all along ; however, I would not be receiving a check back because " I live in a city with high taxes '' XXXX quoted from their company ). I told them on XX/XX/XXXX I was called and told a refund check was being processed and sent to me for the escrow mistake and overage. Today when speaking with them in regards to this matter as well as the prior matter they said in XX/XX/XXXX they reanalyzed my taxes and decided my escrow amount was still short by {XXXX} and that I would not receive a refund check and that they would need more money from me for escrow. My taxes in XXXX were no where near that amount for some reason in XXXX they were over {$XXXX}. When talking to my tax office here my taxes should have only been {$XXXX}. I also live in a small home that does not appraise for greater than {$2XXXX} so it does not add up why so much was needed in my escrow account nor will they send me a print out of it NOR will they allow me to speak to anyone in the escrow dept when I ask. I was told they do not take incoming calls. | ||||||
| 05/31/2023 | Yes |
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| I Closed on my home XX/XX/XXXX with a different mortgage servicer and {$3500.00} was in my escrow for taxes from XXXX XXXX to my closing date paid for by my builder. Lakeview Loan Servicing acquired my mortgage XX/XX/XXXX. After closing I applied for my homestead exemption as well as my XXXX XXXX XXXX veteran exemption both of which were granted in XXXX of XXXX retroactive to my closing date and eligibility date of XX/XX/XXXX, at which point Lakeview Loan Servicing conducted new escrow analysis. The escrow analysis came back and exempted me from property taxes for the year. Following this escrow analysis I was paid an overage disbursement of {$5000.00} on XXXX XX/XX/XXXX And my monthly note was then {$2100.00} down from the previous {$3100.00}. On XX/XX/XXXX a tax payment was made in the amount of {$1100.00} another on the XXXX for {$540.00} and another on the XXXX for {$810.00} resulting in an escrow advance of {$1100.00} and my payment in the year XXXX thus far have been paying down that advance. In XXXX of XXXX my homeowners insurance was paid in the amount of {$2900.00} resulting in an now advanced escrow balance of {$2900.00}. When the insurance was paid in XXXX of XXXX my mortgage also increased in an attempt to recoup the escrow account to {$2500.00}. I have spoken with no less than 10 different customer service agents in the last month and had my case escalated. It took almost 2 whole weeks for the case manager from escalation to finally reach out at which point I was told that they would look into the taxes that were apparently forgotten about for the time period of XXXX that I didn't live there ( XX/XX/XXXX -XXXX XXXX ). I was just contacted today XXXX XXXX by the case XXXX again because Lakeview completed another escrow analysis and was showing me fully exempt resulting in a new payment of {$2500.00}. I tried to explain that was not the issue and I was concerned with the fact that I was rebuilding my escrow account do to their mistake. There was an error in the implementation of my exemption and due to that error in the escrow analysis Lakeview did not anticipate paying those taxes and had to pay when the bill came in. My case manager told me " This escalated case is completed we have verified the exemptions '' which isn't even why I escalated in the first place. Finally I was told that if I disagreed with their decision I could send a certified letter to a XXXX XXXX in Virginia to the " Office of the customer '' the escalate further. I requested to speak with a supervisor or to be transferred there directly and was told the only way to reach that department was via the XXXX XXXX XXXX I have been dealing with this issue for over a month now and have received nothing but pushback from them insisting it is my responsibility to pay for their mistake. I have attached the payment history showing the tax payments and escrow balance through the life of the loan my closing disclosure showing in Part G section 3 the amount to be used for prepaid taxes, the 2 escrow analysis I have access to as well as the tax bills for XXXX and XXXX and emails showing the first day I was contacted and the last day I was contacted. | ||||||
| 05/27/2021 | Yes |
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| I began researching ways to end the periodic/monthly Mortgage Insurance Premium ( MIP ) on my loan after 9 years of on time payments with extra going to principal. I found a list of requirements that must be met and realized I had met ALL of them well over 2 years earlier. I contacted Lakeview Loan Servicing through their system XX/XX/XXXX and requested for the MIP to stop since my FHA mortgage loan originated in XXXX, I had made payments for over 5 years, all payments on time, had over 22 % equity in home, and the Loan to Value ( LTV ) was well below the 78 % threshold. I have made additional principle payments every billing cycle which helped achieve the LTV ratio and equity limits earlier than projected by the amortization schedule. They responded XX/XX/XXXX that the MIP is longer required and is being cancelled according to FHA 's policies and requirements. This was great news, but when I started crunching numbers I found that it should have been cancelled 3 years earlier and that I have over paid around {$3000.00} in MIP! Neither Lakeview or FHA had notified me of my LTV during the life of this loan. So I sent a message XX/XX/XXXX asking about getting a refund. XX/XX/XXXX Lakeview responded with contact customer support ( which is what I already did ). I wrote a letter to Lakeview XX/XX/XXXX and mailed it. Received a letter from Lakeview XX/XX/XXXX saying they received it and are investigating. XX/XX/XXXX Received letter from Lakeview stating " if your loan reaches 78 % Loan-to-value prior to the auto-termination date, then the customer must request early MIP termination ... Regrettably, FHA guidelines do not provide for retroactive refunds. '' This blows my mind that neither the Loan company or HUD FHA monitor, or refuse to notify borrows that the magical 78 % LTV has been reached early by paying additional principal each month!!! They are stealing money from probably thousands of people knowingly. I have spent countless hours on the phone with HUD/FHA now, and they say that I am not due a refund and to contact Lakeview - the circle blame game continues. HUD Handbook 4000.1 III.A.1.k and HUD Handbook 4155.2.7.3.c As part of the Mortgagees annual disclosures to Borrowers, Mortgagees must notify Borrowers of their option to cancel the annual MIP in advance of the projected amortization date by borrower making additional payments of mortgage principal. HUD bases the cancellation of the annual MIP on the initial amortization schedule. In cases where Mortgage Payments have been accelerated or modified, HUD may base cancellation on the actual amortization of the Mortgage as provided to HUD by the The Mortgagee must process the MIP cancellation using the Monthly MIP cancellation function in FHAC. servicing Mortgagee. For loans closed on or after XX/XX/XXXX, FHAs annual MIP is automatically cancelled under the conditions outlined in the table below. As part of the Mortgagees annual disclosures to Borrowers, Mortgagees must notify Borrowers of their option to cancel the annual MIP in advance of the projected amortization date by making additional payments of mortgage principal. | ||||||
| 05/03/2022 | Yes |
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| My wife and I closed on our home in XXXX of XXXX and before closing, we purchased home insurance on the property on XXXX for {$2700.00}. We obtain our mortgage through XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and our loan was then transferred over to Lakeview ( XXXX XXXX XXXX ). Our mortgage payment at that time was {$2800.00}. I started paying Lakeview in XXXX of XXXX and there were no issues until I received mail in XXXX stating that due to me not having home insurance, Lakeview will be purchasing home insurance on my behalf. In order to close on the property, I had to have home insurance, I am not sure what happened in the transition from XXXX to Lakeview but someone had to drop the ball. The insurance policy Lakeview purchased on my behalf totaled {$7300.00} which is my first concern since it is drastically more than the policy I was able to get, almost XXXX times more expensive. I provided proof of home insurance to Lakeview back in XXXX. I called and spoke to a representative on XX/XX/XXXX who advised me that there would be an escrow analysis done to review this issue and that before XXXXXXXX XXXX mortgage payment everything should go back to normal. I called a couple days before XXXX 's payment and was told that there was nothing Lakeview can do to prevent a draft of {$4300.00} since there was a balance discrepancy in my escrow account due to Lakeview 's decision to purchase an extremely expensive insurance policy. I was told then again that my account would have to go through an escrow analysis, which would be done before XXXX 's mortgage payment. The {$7300.00} was returned back to my escrow on XX/XX/XXXX, per their records. I sent a complaint email on XX/XX/XXXX which I still haven't heard back on. On XX/XX/XXXX, I noticed that my mortgage payment on Lakeview 's payment portal said that I had to pay {$4300.00} again, so I decided to send another email and asked that my issue/concern be escalated to the correct department. I still have not heard back from anyone at Lakeview except receiving documents that showed my escrow analysis. Another thing I don't understand is why would Lakeview disburse {$2700.00} out of my escrow account on XX/XX/XXXX for an insurance policy that is still active? Lakeview sent my home insurance company a payment of {$2700.00}, which was returned to me by my home insurance company via a check. So now, my escrow balance has a deficiency balance again due to their fault. I am dealing with the consequences of their actions and it is not fair that I can't even receive a call from someone in management regarding this issue. When I asked to speak to a person in management on XX/XX/XXXX, I was cold transferred to someone's voicemail. That is the reason why I decided to start writing emails to Lakeview. I just had my XXXX XXXX son in XXXX of this year and my wife is on maternity leave so our finances are tight at the moment. I've paid close to {$1400.00} extra for XXXX & XXXX due to Lakeview 's inability to correct their own mistake, which is extremely unfair to my wife and I who just started a new family and currently living on one stream of income. | ||||||
| 01/21/2019 | Yes |
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| I had a mortgage with Lakeview Loan Servicing LLC that was transferred to XXXX XXXX XXXX XXXX effective XX/XX/XXXX. In reviewing my payment history, I noticed there were two " Escrow to Borrower Refunds, '' one on XX/XX/XXXX and another on XX/XX/XXXX, for which I have no record of having received. The amount of these disbursements was {$1900.00} and {$1400.00} ( see Attached Payment History ). I am not disputing whether these escrow amounts were disbursed to me, rather, I don't have any check stubs nor bank records that indicated that I cashed or deposited the escrow disbursements. So, I requested information on how these escrow refunds were disbursed. Following is a chronology of my attempts to get that information : XX/XX/XXXX email to XXXX ( a.k.a. XXXX ) inquiring how the subject escrow refunds as well as another escrow refund in the amount of {$110.00} were disbursed. XX/XX/XXXX email from XXXX ( Attachment A ) indicating that an escrow check in the amount of {$110.00} was sent on XX/XX/XXXX. The email did respond to the other escrow refunds. XX/XX/XXXX email to XXXX inquiring What about the rest of my question? What happened to the other escrow refunds? XX/XX/XXXX email from XXXX ( Attachment B ) responding as follows : We have received your inquiry and are assigning it to the proper department representative. Please note duplicate inquiries may prolong your time for resolution. To help identify your inquiry we have generated a reference/ticket number. Your reference/ticket number is XXXX. Please use this number in any further communication relating to your recently submitted email request. Please allow 5 business days for a thorough review and research of your inquiry. XX/XX/XXXX email to XXXX requesting copies of cancelled escrow refund checks to document that it was refunded to me. XX/XX/XXXX email from XXXX ( Attachment C ) responding as follows : We have received your recent inquiry in regards to your mortgage account. Your request has been forwarded to our escrow department for further review. Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. Please feel free to contact us if you have any additional questions. XX/XX/XXXX, after no further response from XXXX, I sent a letter ( Attachment D ) to Lakeview Loan Servicing Mortgage Resolution requesting copies of cancelled escrow refund checks to document the " escrow refund to burrower '' amounts ( i.e., {$1900.00} and {$1400.00} ). Thirty ( 30 ) days have passed and XXXX has not acknowledged my letter nor either provided the requested information, determined that the requested information is not available, or asked for additional information or requested additional time to investigate my request, Therefore, I am submitting this complaint in hopes that Consumer Financial Protection Bureau can help me to get the requested information from XXXX. | ||||||
| 07/10/2021 | Yes |
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| Within the following months and years : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Lakeview Loan Servicing LLC reported to XXXX, XXXX and XXXX that I made a payment 30 days late. I didn't realize how much the reported information was affecting my quality of life until I realized that my efforts to reduce the interests rates on current loans and attempts to refinance my home to obtain a lower interest rate and obtain equity from my home were met with denials and/or higher costs because of the information that Lakeview Loan Servicing reported to XXXX XXXX and XXXX.The information is considered derogatory information. After trying numerous activities ( i.e. hiring credit repair companies to assist me with improving my credit score with no luck ) I started trying to figure out how to improve my credit score by myself. This endeavor caused me to stumble upon the Fair Credit Reporting Act ( FCRA ) written by Congress. After reading the FCRA I realized that Lakeview Loan Servicing LLC violated my consumer rights by reporting that I made a payment 30 days late without informing me that they were going to report this information to XXXX XXXX and XXXX and providing me with an opportunity to opt out of having that information reported. Upon learning the latter information ( in addition to a host of other information regarding procedures consumer reporting agencies must follow when furnishing a credit report ) I called Lakeview Loan Servicing LLC on XX/XX/XXXX and spoke to a Supervisor regarding removing the reported late payments from my credit report with XXXX XXXX and XXXX. The supervisor informed me that he would look into the matter. I then received a letter from Lakeview Loan Servicing LLC dated XX/XX/XXXX and it stated that an investigation was conducted regarding the information reported by LakeView Loan Servicing LLC to XXXX XXXX and XXXX and the information reported was deemed accurate. I attempted to contact Lakeview again to discuss the letter I received however I was told by a representative that I would need to send any issues I had to Lakeview Loan Servicing LLC 's mailing address. On XX/XX/XXXX I mailed Lakeview Loan Servicing ( via certified mail ) a Cease and Desist Letter demanding that the late payments be removed based on the information being in violation of processes and procedures of the FCRA, an Affidavit of Truth outlining how the reported information violated the FCRA, exhibits reflecting the information being on my XXXX XXXX and XXXX credit reports and the document Lakeview Loan Servicing LLC sent to me regarding the issue and an Invoice outlining the remedy I wish to receive for the adverse actions that I endured for more than 2 years as a result of the FCRA violations Lakeview Loan Servicing LLC violated by reporting that I made a payment 30 days late to XXXX XXXX and XXXX on the above mentioned dates. To date I have not received any response from Lakeview Loan Servicing LLC and the 30 day late payments are still being reflected on my credit reports from XXXX XXXX and XXXX. | ||||||
| 10/13/2022 | Yes |
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| This is my 3rd time putting in this information!... My son is a XXXX yr.old, XXXX ( learning XXXX XXXX from a child til present, I'm his representative ) he's been full time employed since XXXX placed him there out of XXXX an assistant manager in produce. This is his XXXX home ( FHA ) after COVID forbearance he was offered and received a loan modification agreement. He was told to pay XXXX, beginning XX/XX/XXXX until..from the start things got messier and messier XXXX Now the servicer wasn't XXXX, it was XXXX. and they did everything in their power to interfere with the loan modification payments, not even acknowledging the agreement and in XXXX sent us a letter stating that they would no longer accept " PARTIAL PAYMENTS " But we continued to send the payments on time, the servicer now changed again to XXXX XXXX... now it's important to make clear that the trial period on the modification was never mentioned, nothing! and after 3 more on time payments, XXXX began to have questions about these payments and in conversation, told me they didn't see anything about a loan modification agreement... ridiculous..we took clear pictures and sent them to management at XXXX XXXX, and this is when things go from stressful to awful, I told her I needed to make this present payment because it was the 1st, and this woman says " DO NOT MAKE ANY MORE PAYMENTS UNTIL WE CHECK ALL DOCUMENTS DUE TO THE SERVICER CHANGE WITH XXXX ''. the next letter stated we were in default and they were no longer our servicer. Now is when I realized they were deceiving my son, and they just needed an interruption of payments ... A month later we receive a letter stating from XXXX telling XXXX he had been a victim of identity theft from XX/XX/XXXX - XX/XX/XXXX and how sorry they were, WHAT? the exact dates when the loan modification agreement began? and when I looked for documents I'd sent and my son had saved were GONE! but I have other correspondence, and I know that not once did XXXX send any receipts, nothing, no monthly updates! ever... and when they started foreclosure... Well what do u know... The loan modification agreement was important now, for the courthouse! they even gave my son some paperwork, came right to the Front Door! Just last week a lawyer sent a letter '' wanting to help him keep his home '' ( by short sale or file for bankruptcy )! It stated the papers were filed XX/XX/XXXX and he wanted to help with the hearing.. that date? XXXX his letter was dated XX/XX/XXXX it came in the mail XX/XX/XXXX ... Can U believe that! Now it looks like he didn't even care enough to show up for the hearing! Well I have news for these people My son wants a home and not to be deceived like any other hardworking American... I'm disgusted and deeply saddened and disappointed that this is happening to us, he brought me, his mother, and his sister who is XXXX with XXXX XXXX to live with him on XX/XX/XXXX and this ist right, it's flagrant disrespect to treat people like they're to poor or XXXX to fight this... I hope this wasn't a waste of time and U stand up for us.. GOD BLESS!!! | ||||||
| 11/01/2019 | Yes |
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| XX/XX/XXXX TO : LAKEVIEW LOAN SERVICING LLC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX, CA XXXX. Specifically the escrow balance and disbursement. I received an annual escrow account statement around XX/XX/XXXX describing a new mortgage monthly change due to shortage in the escrow account. I have never had escrow under this account since the original loan setup date on XX/XX/XXXX. What is more disturbing is that there have been claims of two disbursement checks made by LAKEVIEW LOAN SERVICING to XXXX XXXX COUNTY TAXES in the amount {$2700.00} ( check # XXXX ) and {$3100.00} ( check # XXXX ) on XX/XX/XXXX for XX/XX/XXXX-XX/XX/XXXX back taxes that were never received or recorded by the XXXX XXXX COUNTY TAXES. What is more disturbing is that we have already made the tax payment of {$2700.00} on XX/XX/XXXX and today has resolved the back taxes for XX/XX/XXXX-XX/XX/XXXX of {$3200.00} on XX/XX/XXXX. I have attempted numerous times to resolve this escrow accounting error or possibly fraud through several representatives and the case has been promised to escalated to a supervisor many times, yet after more than a month this issue remains unresolved with no contact from the escrow department. My monthly payment statement is still showing the disbursements as a negative balance on my escrow account, thus generating an increase in our mortgage payment from the usual amount of around {$4000.00} to {$5400.00}. I will continue to make my usual payment amount and wish this matter to be investigated and resolved immediately with adjustments reflecting a true statement. The county taxes have already been cleared and is now current. I need this to be resolved immediately with 1. Investigate the two missing checks that were supposedly sent to XXXX XXXX COUNTY TAXES that were never received. CHECK # XXXX & XXXX. 2. Adjustments and corrections to the escrow and mortgage account showing the true current mortgage monthly payment and monthly statement. 3. Close the escrow account that we have never had nor opened in the first place. Update : XX/XX/XXXX I spoke to a supervisor at LAKEVIEW LOAN SERVICING LLC name XXXX agent # XXXX regarding making the usual mortgage payment without the escrow errors and was told that any partial payments would be denied and the account would be in default. Asked why this matter has not been resolved in more than a month and was told that they are still investigating the missing checks and in the meantime I need to make whatever payments that are recorded in my statement account, whether it is a {>= $1,000,000} accounting error or not, I would have to make those payments and they can not accept any partial payments. When pressed if this matter will be resolved anytime soon, I was told that it has been escalated only. If you need to contact me, I can be reached at ( XXXX ) XXXX, XXXX, XXXX XXXX CA XXXX OR XXXX Sincerely, XXXXXXX | ||||||
| 05/02/2023 | Yes |
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Web | Servicemember |
| My Complaint is with LakeView ( XXXX ), for the following : 1. Unresolved Payment Issue 2. Dinking my credit Report 3. No customer service beyond the call Center to resolve my issue My Desired Outcome : 1. Allow me to set up Auto Draft starting for XXXX payment 2. Remove the dink on my credit Report On or around XX/XX/XXXX, I phone LakeView to notify the company we had to change our bank accounts, therefore the XXXX payment would probably bounce back. At that time I paid the mortgage again using the new account. I asked what would happen and the customer rep said the initial XXXX payment would bounce back and at that point the payment on the new account would go through and be applied for XXXX. BUT INSTEAD : Because the payment bounced back it was dinked as the second time in six months so now I am forced to pay by certified checks only ( costing me even more money ) until XXXX. a. On XX/XX/XXXX I called XXXX again with my concern since I still needed to make XXXX payment. I was told again that there would be no issue and until the initial payment came back, I could not apply another payment at this time. Apparently on XX/XX/XXXX, the initial payment bounced back and my online account was locked. I did not notice until XX/XX/XXXX when I went online to try and make the XXXX payment. At that point I called LakeView but due to high calls was on hold for 15 minutes at which point I opted for a call back. But the call back is anywhere from that time to the close of next business day so they may have phoned back and I missed the call. On XX/XX/XXXX I submitted an online message via company 's portal. On XX/XX/XXXX called XXXX and stayed on hold until I reached a customer Rep. She informed me that I could only make a payment via certified check due to having two reversals in six month period. I explained the issue, I described above in this letter, but she said there was nothing she could do. I asked if there was anyone I could speak to like a manager and she said no. I asked if there was a department I could contact where the decision was initiated and she said no. She did allow me to speak to someone in the escalation department about possibly processing my payment if I paid through XXXX. That person also said there wasn't anything they could do for me. I was given the corporate office address but told no phone number could be provided. On XX/XX/XXXX, I sent the XXXX payment via XXXX which was sent to LakeView within minutes. On XX/XX/XXXX, I called LakeView and was told XXXX was not received. When I gave the Rep. the Reference Number, she located the payment and said that they did receive it but could not post it until XX/XX/XXXX. So again, I complained that now my credit report would be dinked and she said Sorry. On XX/XX/XXXX, I also sent LakeView an escalated message via their portal. XXXX Ref I think it is a disservice that consumers have no one to turn to for issues as these when this firm is suppose to be one of the biggest in the nation. Please advise. Thank you for your time, XXXX XXXX | ||||||
| 09/30/2020 | Yes |
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| I am having trouble with getting my mortgage company to pay a past due tax bill from last year. I purchased my house in XXXX of XXXX. I bought parcels from 2 individuals, a brother, and a sister. The sister owned the parcel that the house sits on, but the brother owned the property on either side of the house. I am escrowed to pay taxes on all 3 parcels. Last years tax bills were in the two separate individuals names. The closing broker, who I assumed was representing my mortgage company, as no one from my mortgage company was there and he had me sign all closing documents, set it up for MY mortgage company to pay both tax bills from both the brother and sister for XXXX. The brothers tax bill includes a parcel of land that I do not own, so I assume that is why they are refusing to pay it, but my land is also on the bill. They are escrowing me for multiple parcels, and have only paid taxes on one. I have had 8 communications with the company, all of which I have made. They refuse to call me back or make contact about how we can fix this problem. XXXX I called and spoke to someone about the tax bill ( per my closing attorneys instructions ), she said to mail the bill and it would be taken care of. I mailed the bill, thinking it was paid. In XXXX, the seller reached out to me because he was getting delinquent letters about the bill never being paid. XXXX-I called and spoke to someone about the tax bill, he stated that I needed to e-mail it to them, I did. No communication was ever received from that phone call or e-mail. XXXX called again, spoke to manager this time. He put in an " escalation request ''. ( On XX/XX/XXXX I received an e-mail saying this request was resolved, but e-mail did not include resolution, nor did anyone ever call to speak to me. XXXX called and spoke to XXXX, who hung up on me and never called back. I called a second time and spoke to XXXX, who put me on with manager XXXX, she said she could see where there were multiple inquiries. One note said the tax dep said the consumer ( mortgage company ) should reach out to the client, yet I still never received any communication. She submitted an escalation request from which I still have not received any communication. I also e-mailed on this date asking for a phone number of someone I could speak to in the tax dept, I recieved no communication. XXXX-I e-mailed my 7th inquiry about tax bill, still no communication. XXXXRecieved an escalation request was resolved e-mail. No further information or communication XXXX spoke with XXXX in customer service, who had me speak to her manager. She stated she would have a higher up manager call me. Still no communication. I understand we are in a very strange year during the pandemic, I am a XXXX XXXX who works in a XXXX XXXX no one understands this better than me. But being blown off and treated like I did something wrong is very frustrating and I have spent hours trying to fix this problem I did not create and am begging for someone to help me with it. Thank you, XXXX XXXX | ||||||
| 11/08/2019 | Yes |
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| To whom it may concern, Summary : I believe that we are suffering collateral damage as a result of our mortgage being sold. The new mortgage servicer, Lakeview Loan Servicing, said they will not allow us to cancel PMI for at least two years. Our original loan company, XXXX XXXX, stated we could cancel in as early as one year. I believe the discrepancy is due to conflicting interpretations of the definition of " Good Payment History '' in relation to the Homeowners Protection Act of 1988. Details : In XX/XX/2019, we were working through the loan application process with XXXX XXXX at XXXX XXXX. At the time, she told us that we could remove PMI in as early as a year with an appraisal as long as we've had good payment history and are at 20 % equity. Per our final contract, we are subject to the Homeowners Protection Act of 1988, which has the following definition of good payment history : [ The term good payment history means, with respect to a mortgagor, that the mortgagor has not ( A ) made a mortgage payment that was 60 days or longer past due during the 12-month period beginning 24 months before the later of ( i ) the date on which the mortgage reaches the cancellation date, or ( ii ) the date that the mortgagor submits a request for cancellation under section 4902 ( a ) ( 1 ) of this title ; or ( B ) made a mortgage payment that was 30 days or longer past due during the 12-month period preceding the later of ( i ) the date on which the mortgage reaches the cancellation date, or ( ii ) the date that the mortgagor submits a request for cancellation under section 4902 ( a ) ( 1 ) of this title ] We will achieve " good payment status '' after 12 months according to section B of this definition, which matches the statement made by XXXX XXXX on behalf of XXXX XXXX. I submitted an inquiry to Lakeview Loan Servicing on XX/XX/2019 about removing PMI. I did not expect to have it removed at this time, as I knew we did not have 1 year of good payments, but I wanted to verify that the lump sum we put onto our principal balance would be enough to get us to 20 % equity. I received a letter from Lakeview Loan Servicing on XX/XX/2019 ( dated XX/XX/2019 ) stating that we did not meet the LTV requirements to have PMI cancelled. Another representative from that company had confirmed that we were above 20 % equity, so I called Lakeview Loan Servicing on XX/XX/2019 to inquire further. I spoke to XXXX, the customer service representative, who told me that ( contrary to the letter we received ) the actual reason the request was denied was because we did not fulfill the " good payment status '' requirement of 2 years. I asked if there was any way we could have the PMI removed after 1 year and she said no. I told her that contradicted what our original loan company said, and she said that we still would need to wait 2 years to remove the PMI. I believe that we are entitled to having PMI removed after 12 months of timely payments provided we meet all other requirements per the Homeowners Protection Act of 1988. | ||||||
| 01/06/2017 | Yes |
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Web | Servicemember |
| XXXX mortgage gave my now deceased Husband & I a forbearance, then transferred our mortgage to another of their own companies ( Lakeview, a trademark of XXXX ) during the forbearance. Lakeview hired, XXXX XXXX XXXX BANK to service the loan. XXXX violated the forbearance agreement on the loan, even though they were made aware of the agreement. We received a forbearance from XXXX because my Husband was sick & even the XXXX. could n't figure out why. When XXXX XXXX XXXX took over the servicing they asked for mod paperwork every month never doing anything with our information, during the forbearance.They created so much stress in my poor Husbands life .... the very last year of his life at age XXXX, while having XXXX & not knowing it. They also posted to my Husbands & My credit reports that our home had been REPOSSESED/FORECLOSED during the forbearance. If this was true then why am I still living in the house? The stress during this period of unknown sickness, during the forbearance put my Husband in the XXXX XXXX hosptal for XXXX days, XXXX of those on XXXX. He ended up having XXXX in 12 hours & almost died during both. This happened 5 days before the forbearance would have ended .... yet for the last 7 months of the forbearance ... What we thought was going to be the time we focused on finding out why my husband was so sick, we were forced to feel like we were going to BE HOMELESS. For 2 full months, after his XXXX my Husband was n't even able to XXXX by himself, as well as take care of his XXXX. Then 4 months later we found out he had XXXX & was too weak still from the XXXX emergency XXXX 4 months earlier to be able to live through XXXX to save his life. My Husband passed away 7 months after finding out he had XXXX. XXXX XXXX XXXX actually called the day my Husband died asking me " When are you going to make a payment! ". In the phone records you should find my statement " I do even know if my Husband will live through the day today ( he did n't ) & your company helped him get to this point! '' *I strongly feel if our forbearance had been respected by XXXX XXXX XXXX during the forbearance period it is highly possible my Husband & I could have benefited from non-stress relating to our HOME. So that we could be able to focus on my Husbands health. As sick as my Husband was ... going to the XXXX XXXX sometimes XXXX for Dr. appts a week, he still tried to work, making out applications for employment because he had to leave his job at XXXX which was too physically demanding for him to keep, which was why we were given the forbearance to begin with. He never gave up trying to defend his Home & Family XXXX XXXX XXXX until he took his last breathe at age XXXX, 2 years ago TODAY. *This breaks my heart, not just for the pain & suffering my Husband & I have endured but, knowing that these lenders have & are most likely doing or have done this to who knows how many other innocent people! This is NOT OK! I believe XXXX has done a very cruel thing to a very good man, at a very young age! | ||||||
| 09/07/2021 | Yes |
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Web | Servicemember |
| I am out of options and not sure where to turn next. After our initial mortgage company ( XXXX XXXX XXXX ) sold our mortgage to XXXX, we made a large payment ( $ XXXX ) to help pay down the principal. Unfortunately, during this time XXXX decided to sell our mortgage again ( unbeknownst to us ) to Lakeview. XXXX shows the regular payment we made AND the additional payment we made. However, Lakeview is not showing these payments. I have been on the phone with them for countless hours and get no where. They claim to need a transmittal ( which my bank- XXXX has never heard of ) to prove the deposit. I have sent them everything I can ( I spent over an hour on the phone with XXXX trying to get someone who could send me more but they have nothing else ) including our statement, but they still wont accept it. To be honest, they dont even need the transmittal because XXXX is the company that accepted the payment and transferred over the correct amount. When I have spoken with XXXX, they can only send me a spreadsheet with our correct account balance and assure me that they sent all the same information to Lakeview. After every attempt to speak with someone at Lakeview, I have NEVER ONCE been contacted back by a person. Even though every single time I call they promise to follow up within 24-48 hours. Below is a listing of the dates contacted and corresponding action ( or lack thereof ) so you can understand the great lengths and amount of time spent trying to rectify this infuriating situation : XXXX Notification via Voicemail from XXXX stating that they sold the account XXXX Called XXXX, got new loan servicer information and confirmed correct amount ( with large payment ) was transferred XXXX Called Lakeview ( 30 minutes ), initial request to correct amount, promised response in 1 week XXXX Set up account and made initial payment to Lakeview XXXX Set up autodraft to Lakeview XXXX Emailed Lakeview to request follow up to last weeks call XXXX Called XXXX, received report showing that correct amount was transferred, nothing else they could do XXXX Called Lakeview ( 28 minutes ) - 2nd verbal request, agent asked for statements and promised follow up XXXX Called Lakeview ( 16 minutes ) - 3rd verbal request XXXX agent promised follow up XXXX Called Lakeview ( 15 minutes ) - 4th verbal request, agent informed that Lakeview had closed the ticket due to not correct info but never informed me, agent reopened ticket and promised follow up XXXX Emailed Lakeview new bank information and information from XXXX XXXX Called Lakeview ( 22 minutes ) - 5th verbal request, agent promised follow up and advised to email in to the Office of the Customer ( president of the company ) XXXX Emailed Lakeview requesting that the president of the company look into our account XXXX Called Lakeview ( 22 minutes ) - 6th verbal request, agent promised follow up XXXX Email received from Lakeview saying they had escalated our case and we would hear back from them in 3 business days, no response was ever received | ||||||
| 05/07/2019 | Yes |
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| We live in a small rural town in Wisconsin. Property taxes don't change much year to year. ( Exhibits 1 & 2 show the amount taxes change year to year ) That's why were surprised to hear in XX/XX/2018 from our new loan servicer, Lakeview Loan Servicing LLC, that we had overpaid our taxes and that we were being issued a refund from our escrow account AND our monthly amount was being lowered. Lakeview Loan Servicing , LLC states on its website that it provides subservicing by XXXX. That didn't make sense to us, but we figured that perhaps the new servicer had somehow recalculated something in our favor. In XXXX, I received a notice from our town that our second escrow payment had not been made. That's when I realized what Lakeview had done - they had ignored that there were TWO escrow payments, and recalculated everything as if we owed only ONE. I contacted Lakeview, and was deeply concerned. We didn't have that money that was refunded us. It had gone to school tuitions and other immediate needs. I spoke with a rep, then with a supervisor to voice my concerns. They said they would work it out. I even offered to do some sort of second mortgage to replace the escrow money - but it would have to be at favorable terms ... ... but Lakeview did nothing. They made the second payment to our town, and we continued paying what we had been paying. I was worried - unsure of how this was " fixed. '' ... and then we found out. Now, we have been contacted and informed that ( OBVIOUSLY ) our escrow account is in arrears, and that we are going to have to pay {$600.00} MORE A MONTH. I know to many, including Lakeview Mortgage, this isn't a lot of money. But that's an incredibly damaging amount to our family. I contacted them. The first rep told me that it was " simple math. '' He implied that we had requested a lower payment, or that the tax circumstances had changed. Neither of those contentions are true. I asked for a supervisor. I was given to a second person, who was confused. I asked if he was the previous rep 's supervisor. He said he was not. I asked for a supervisor. The third rep indicated that she was not either of the previous call center worker 's supervisor. She said supervisors only call people back. I gave my information and asked for a call back. I never got a call back. Two days later, I called back, and waited for minutes - and then was hung up on by the system. I tried 8 additional times, and each time, without reaching a rep, was hung up on. I called two days later, requested a supervisor, and then never received a call. We didn't do anything wrong. We make our payments, we requested nothing. I don't know if we can afford XXXX XXXX extra dollars a month. If i knew this was the amount of our mortgage, I wouldn't have bought this house. I'm sick of being abused. I'm afraid of losing my home. I haven't done anything wrong, but I'm required to pay an amount I never asked for. And I am getting no help, no conversation, no explanation from Lakeview. | ||||||
| 11/15/2022 | Yes |
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| I was granted my house in my divorce and on XX/XX/2022 I emailed the mortgage company my divorce papers showing that I had been awarded sole ownership of the house. I also emailed a transfer of deed showing that my ex husband had transferred the deed to me and that any escrow surplus was to be paid to me only. Since the mortgage was in his name only the mortgage then contacted me to advise me that after the legal team had reviewed the documents that now they could speak to me as the sole owner. I requested and was given a payoff balance on the loan and on XX/XX/XXXX transferred funds to payoff the loan in full. At the time the loan was paid off the escrow balance was XXXX. After not receiving the check I contacted the mortgage company and was told they had issued the check on XX/XX/XXXX and I would have to wait 30 days before they would reissue a new check. At this time I was also told that the check had been issued in my ex husband 's name and mine only as stated by the divorce papers. I was told it would be reissued in my name after the 30 days and would take 10 to 15 days for me to receive it. After not receiving the check, I called on XXXX XXXX and was told the check was never reissued. I called the company again on XXXX XXXX and was told that the dept. that issues the checks would make a decision on XXXX XXXX regarding reissuing the check. I asked to speak to a supervisor and was told it would take 48hrs before they could get back to me I told her that was unacceptable and I was then transferred to someone on the escalation team I was told it would now be assigned to a case manager and someone would reach out to me in 3-5 business days. On XX/XX/XXXX after never hearing from anyone I called again and was told they are backed up and it would take another 3-5 days for the check to be issued and due to the delays, I requested that it be overnighted. I also requested they email me a satisfaction or release of lien which I had never received when the mortgage was paid off. On XXXX XXXX I contacted and asked for the case manager ( XXXX XXXX and was told he was out on vacation for the day. On XXXX XXXX I called and XXXX was gone for the day. I expressed my frustration and was told a supervisor would call in 24hrs. On XXXX XXXX I missed their call and when I called back I was told no supervisor was available but they had just called me to tell me that it had been sent to the legal team so they could determine if the check could be issued in my name only. I explained to them that the court documentation regarding this had previously been sent back in XXXX. On XXXX XXXX I was told again no supervisor was available but someone would reach out to me in 24-48hrs. I asked can't they check with the legal dept. and was told they can't call or email the legal dept. On XXXX XXXX I was told they were still waiting on the legal dept. XXXX XXXX and contacted and was told they are still waiting. I have been more than patient, but as of today, XXXX XXXX, I am still being stonewalled! | ||||||
| 03/01/2023 | Yes |
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| I called my mortgage company Lakeview, which is sub-serviced by XXXX XXXX in XXXX to see what options were available to me to avoid being delinquent on my mortgage due to being impacted by covid. I lost my XXXX, XXXX, XXXX XXXX, XXXX and XXXX all in less than one year due to XXXX I was originally told that I was approved to receive special covid relief assistance but later was told that I no longer qualified due to system errors. I was then told that my only option was to do a modification which I agreed to avoid being delinquent. The Modification process began, I received and signed the paperwork and mailed it back via certified mail. I called on XX/XX/XXXX to explain that I have not received any information and that I am trying to make my payment online but the system will not allow payment. I was told that payments can not be made at this time due to the modification process. I was told by a rep with Lakeview that the modification paperwork has not been processed and as soon as it processes payment can resume. I called back on XX/XX/XXXX and explained that I am still unable to make a payment due to modification paperwork processing. The Rep with Lakeview explained gratitude for my eagerness to make payments but assured me that my mortgage will not show delinquent nor will my personal credit be impacted due to their delay. I requested that the rep notate my account with the statement he provided me. On XX/XX/XXXX I called and explained that I'm still unable to make payments. This time I requested to speak with the supervisor. The supervisor told me that I can make a payment with her over the phone and that's all we will need to do. I made a payment. The payment did not process due to my bank account. I called on XX/XX/XXXX to make the payment it was processed successfully ( See Bank Statement Enclosed. ) The rep then stated that the modification and payment were successful and that my next payment will be possibly in XXXX due to this modification. I called on XX/XX/XXXX to verify my account is in good standing I was told yes it was. I received my mortgage statement dated XX/XX/XXXX which shows the amount due of XXXX due on XX/XX/XXXX I received a Statement dated XX/XX/XXXX That shows the amount due of XXXX due on XX/XX/XXXX. ( copies enclosed ) I received a check from XXXX XXXX on XX/XX/XXXX in the amount of XXXX for the overpayment. ( see a copy of check ). This also gave me assurance that my mortgage is current and in good standing. Today, XX/XX/XXXX I received a notice from XXXX XXXX stating I am behind on my mortgage in the amount of XXXX as of XX/XX/XXXX. I immediately called to question this and I was told that they have received no payment since XXXX and I am delinquent. Every rep I spoke with was not willing to assist me and only provided options for another modification. I am receiving XXXX assistance from the reps and upper management. I wish to have this resolved and my account updated to the current one as of XX/XX/XXXX. | ||||||
| 07/15/2020 | Yes |
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Web | Servicemember |
| I closed on a IRRL on XX/XX/2020. My original loan was with XXXX XXXX, and I received an offer to complete an IRRL through them. I first contacted XXXX XXXX via telephone and later received email communication from him with email address of XXXX. The next person to assist with the refinance was XXXX XXXX ( XXXX ). During the process of completing the refinance I was also changing my Home Owners Insurance to obtain a lower premium as the renewal of my coverage was going to be approximately {$700.00} more than NC stated the rate should be. I contacted my insurance agent, XXXX XXXX who was able to obtain a policy for me at a much more reasonable premium. After several emails back and forth between myself and XXXX, along with his assistant, XXXX XXXX, I received a confirmation email that XXXX had received all information needed to have the premium for my home owners policy at closing on XX/XX/2020. As stated at beginning of complaint, closing occurred on XX/XX/2020. On Monday XX/XX/2020, I was notified by my insurance agent that he had received a letter from my new Home Owner 's Insurance Company that my policy was cancelled due to non-payment of premium. My Agent sent me paperwork to sign, and I submitted payment for 3 months of premium to get policy re-instated. At that time I placed a phone call to XXXX and XXXX, leaving voicemail messages for both, and sent XXXX an email. With no response to voicemail messages left, or to the email sent to XXXX, on XX/XX/2020 I sent an email to XXXX, XXXX, and XXXX XXXX ( XXXX ) who was listed as XXXX 's XXXX at the bottom of an email from her. At that time I asked for clarification on why my insurance premium was not paid at closing as discussed and confirmed via email messages. I received an automated out of office response from XXXX stating he would be back in the office on XX/XX/2020. I did not receive any response from XXXX or XXXX. I called both XXXX and XXXX and left voicemail messages for them asking for a return call to discuss what occurred with my payment for insurance premiums. As of today I have yet to receive any response to my original email, I sent a second email yesterday to the 3 named persons again asking for a response to my original email sent on XX/XX/2020. This morning I sent a 3rd email requesting a response and sending notification that if no response was received by close of business today that I would begin looking into other alternatives to resolving my situation. As no response was received even stating that they were reviewing files to determine what occurred, I am now filing a formal complaint against Bayview Loan Servicing. I have copies of all email communication between myself and XXXX, XXXX, XXXX, and XXXX that can be provided if needed. My Home Owner 's insurance is to be paid out of escrow and it now appears that I will be required to cover the first year of premium out of pocket while paying into my escrow account to have it covered as well, an expense that I was not budgeting for. | ||||||
| 10/18/2020 | Yes |
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Web | Older American, Servicemember |
| I have three complaints about my mortgage servicing company. Delayed posting of mailed checks. Checks lost in mail and then found and cashed 30 days after mailed. Inaccessible customer service to resolve simple problems. It takes between two to three weeks from the date that I mail a payment until my mortgage company acknowledges that they receive the check. As a result, in order to avoid late charges, I must mail my monthly payment to them two to three weeks before the due date. When asked about this delay, they tell me to blame the post office. I do not have this problem with checks to other companies. Is this deliberate? On two separate occasions, my mortgage company has told me that they did not receive my monthly payment. My payment is due on the first of every month. After I mail the check, they send me an email when it is received. If I do not get this email by the XXXX of the month, I contact them by phone. I confirm that they do not have the check, tell them that I am going to put a stop payment on the " lost '' check at my bank, and then re-send the payment to them directly over the Internet and implement the stop payment, for which I am charged {$40.00} by my bank. Most recently, I mailed my XXXX payment, due on XX/XX/XXXX, on XX/XX/XXXX. On XX/XX/XXXX, I had not received their email that the check was received. I called them, confirmed that they did not have it, told them what I was going to do, and re-sent the money directly to them over the Internet, and put a stop pay on my check XXXX with my bank. My XXXX payment was thus received well within the grace period and I was not charged a late fee. On XX/XX/XXXX, I received notice that they had found and cashed the check. I immediately called their customer service department and told them what had happened and that the check would be refused by my bank. The young lady with whom I spoke apologized and said that she would " handle '' it. On XX/XX/XXXX, I received my monthly statement for XXXX from my mortgage company as well as a letter telling me that my XXXX payment had been refused by my bank, and notifying me that they were going to charge me a {$40.00} fee for a returned check. I contacted them again by email and explained what had happened again, and asked them to remove this unfair, additional {$40.00} charge. I also suggested that they ought to reimburse me the {$40.00} charged by my bank for the stop payment. This was their error, not mine. I have not yet had a response from them other than to acknowledge receipt of my email. Every month there is an issue with this mortgage company. It is very stressful to deal with them to resolve even the simplest of problems. Their customer service department is an automated, voice recorded gauntlet of undecipherable prompts which lead you in a circle. In order to speak to a human being, it often takes over an hour on hold. If you are lucky, you might get someone who can understand your problem and resolve it. I have seldom been that lucky. | ||||||
| 06/26/2020 | Yes |
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| XX/XX/XXXX Lakeview Loan Servicing Attn : Mortgage Resolution XXXX. XXXX XXXX XXXX XXXX, VA XXXX Re : Error Resolution Notice under 12 C.F.R. XXXX Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. Fee Errors : Your company incorrectly imposed a {$98.00} late fee on, or about XX/XX/XXXX. On, or about XX/XX/XXXX, I wrote a personal check # XXXX for the XX/XX/XXXX mortgage loan payment and I unintentionally made a typographical error on the written amount of my payment ( Attachment A ). The check had the amount {$1200.00} written in numbers, but the letters were XXXX XXXX XXXX and XXXX/XXXX. I was not informed of this mistake. On, or about XX/XX/XXXX, when I was getting ready to make my XX/XX/XXXX mortgage payment ; I found this error and I immediately called Customer Service : XXXX and spoke to a representant named XXXX. Ms. XXXX took a phone payment for the missing {$200.00} dollars and I asked her to add my XXXX regular payment, which was a total of {$1400.00} ( XXXX + XXXX ). She spoke to a manager and assured me that the late fee of {$49.00} was waived because of the nature of the unintentional mistake and my immediate action to solve it on the phone ( Attachment B ). On, or about XX/XX/XXXX, when I was getting ready to make my XX/XX/XXXX mortgage payment ; I noticed that my account statement still reflected the {$49.00} late fees charge, so I immediately called Customer Service : XXXX and spoke to a representant named XXXX. After a very long time of consulting with a manger again, XXXX apologized and tried to explain that the amount from last month were entered in the wrong places, but now they are fixed and the fees were clearly waived ( Attachment C, dated XX/XX/XXXX ). On, or about XX/XX/XXXX, due to the financial uncertainty that the COVID19 pandemic is creating in my family circle, I checked all my accounts to get information about the kind of supports available because I am truly worried about the months to come. When I checked my Lakeview Loan Servicing account statement, I find THE LATE FEES OF {$49.00} DOUBLED TO {$98.00}!!! If this was a joke, it would be extremely inappropriate because average consumers as myself are desperately trying to hold on to hope during these times of uncertainty and pain for our loved ones who are ill ( Attachment D ). Unfortunately, this is not a joke and this is not acceptable in our society ; its called harassment. Therefore, I am asking you for the third and last time to correct this mistake or I will file a legal complaint for the suffering this situation is causing me and my family. Please do not explain to me how this happened, just fix it and take this extra stress off my weary shoulders soon. If you need to contact me, I prefer email because Im too upset to deal with more deceptive narratives, but I will call if its absolutely necessary. Sincerely, XXXX XXXX | ||||||
| 03/17/2022 | Yes |
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| Due to Covid I have to take a forbearance on my mortgage. The forbearance ended on XX/XX/XXXX. I chose to do a loan modification which took 2.5 months to complete. Every time I called during this time period I was told I did not owe anything until the loan modification was complete. On XX/XX/XXXX I called for a loan update and to inquire about letters I received from the lender stating I was behind. I was told by the gentleman to ignore the letters as they were from an automated system, that there were almost done with my modification and my 1st new payment would be due on XX/XX/XXXX. I specifically asked if I would be paying for the months it took to complete the loan modification and was told no. He told me he couldn't accept money from me even if he wanted to because they didn't know what my note was yet! He assured me on XX/XX/XXXX, I would only be responsible for that month 's mortgage bill. So, I call on XX/XX/XXXX ready to pay and was informed I was 4 months behind! When I explained what they told me Every Time I Called, they called me a liar and said they could only accept the whole amount due! I start saving my money to pay them. Then, on XX/XX/XXXX XXXX sends me a certified letter from them stating I have until XX/XX/XXXX to pay {$10000.00} to cure my default and avoid foreclosure. So on XX/XX/XXXX I call and speak with XXXX to let her know I will have the funds in a week and am told on XX/XX/XXXX ( a day before they sent me the certified letter ) they put my home in active foreclosure! XXXX tells me they do not have to honor the Cert. Letter they sent me. I argued with her & begged her to do whatever she could to accept my payment and am told she will work on it. I called again on XX/XX/XXXX to make the payment and was told they can not accept it and are unsure if they could reinstate my loan! They told me to wait a week for a letter from their attorneys and that if they could reinstate my loan, I would also have to pay their attorneys fees in full! I am a single mother who's real estate business was destroyed by covid. I don't see how it's fair for them to continue to tell me one thing and then change their mind! They also sent me several documents ( which I still have ) ( promissory notes for over {$21000.00} and others ) which they deny sending me. I also know that they record all of their phone conversations and have records of all of our conversations. I believe they need to honor what they told me and allow me to pay the house notes I am behind on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which I can pay now! I am also being sued by XXXX XXXX tax assessor because they have not paid my taxes! Please, I am begging you, if there is anything you can do to help me! I am not a bad person, I do not break the law, I do not do bad things, never been arrested! I am just a hard working single mother trying to recover from the havoc covid caused my business. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX | ||||||
| 08/18/2015 | Yes |
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| I started a refinance process with Lakeview Loan Servicing on XXXX/XXXX/15. Since starting this process, it has been an absolute nightmare. It started with me constantly requested a copy a of appraisal and not receiving if for 6 weeks .... until I filed my first complain with the CFPB. When I filed my first complain XX/XX/XXXX, the company finally started to work on my loan application and things began moving along. The loan finally moved to underwriting where I was told I would have to bring almost {$900.00} to closing. Mind you, I have an email from XXXX/XXXX/15 that states the only out of pocket costs I would incur was the appraisal fee, which I had already paid. So not they want another {$900.00}. I told them I felt misled. They then stated I needed to have a condo questionnaire completed .... another {$200.00}, what happened to that {$410.00} that was supposed to be my only out of pocket expense? Fine, I had everything completed and moved ahead, I was told they had everything they needed. I had n't heard from them in awhile so I send an email yesterday to check up on things. I received an email back stating the loan was held up in underwriting due to a litigation with the HOA. They never told me about this ... I only found out because I emailed them. Coincidentally I received an email yesterday from my HOA manager stating she had sent several emails to my loan processor and provider him with her personal cell phone number because he asked her for some documentation and the loan processor never responded. The HOA manager is neighbor/friend who is going out of her way to do something extra for me and the loan processor did n't even have the decency to respond to her. This constant lack of communication is unacceptable. Being put on the back burner time and time again is unacceptable. Being told I will only have to pay the appraisal fee as my out of pocket expense and then being told 2 months later that I need pay another {$900.00} in closing fees and {$200.00} for a condo questionnaire is highly misleading. I would not have even started the refinance process had I known that all of this was a possibility. I even told the loan originator that on the phone when I called regarding their refinance offer. I told him up front that I did not have extra cash to bring to closing and that last year I went through the process with another bank where I was told my appraisal was my only out of pocket expense and then they wanted {$2000.00} in closing costs. I was very explicit when I said I did not want to waste anyone 's time if that was a possibility this time around. But here we are, over 2 months later and they are backing out of their word. And yes, I have the email where this is guaranteed. I am tired of this process. I am tired of fighting with this bank. I am tired of having to check up on them like they are children to make sure they are doing their jobs correctly. I have my own job to do, I ca n't do their jobs as well as mine. | ||||||
| 04/12/2022 | Yes |
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| Started a refinance in XX/XX/2021 with Lakeview. Spoke with XXXX XXXX who said we qualify for a XXXX Mortgage. After running credit he called back several days later and said we did not qualify but may qualify for another loan. Did not hear back from him or anyone else for almost a month. Was contacted by another XXXX XXXX, XXXX XXXX, who said we were in his que and needed to submit paperwork to qualify for a XXXX XXXX at 3.5 % .Although we had already submitted the paperwork he is requesting, we submitted them again. In the months proceeding other loan documents were sent to us to sign and send, with no explanation by the XXXX XXXX. This Process went on until XXXX ( XXXX - XXXX!? ) I reached out to the Compliance Department/Issues Resolution and spoke with XXXX XXXX XXXX XXXX XXXX to request we do not work with XXXX and XXXX due XXXX an already confusing, back and forth, vague, requesting of documents ( that we have already sent ) and non-transparency. In between days corresponding with her I received another email from XXXX XXXX to sign a XXXX of Denial. Assuming she hadnt spoke with anyone about our concerns, I emailed her once again and received an email she was out of the office. On XXXX she emailed saying she reached out to the Originations XXXX XXXX team. After receiving a call from another Mortgage XXXX XXXX ( I guess that was her resolution ) He stated we could close by XX/XX/XXXX at 3.5 %. We agreed to move forward. We have complied with all and everything Lakeview has required. We completed a house appraisal, received instructions to repair peeling paint per FHA, cleared the title then received another call from another XXXX XXXX. Now, the Underwriter has requested we need to get another appraisal because the loan number was not the same with the appraisal on it. She also says, we do not have proper house insurance coverage ( when in fact we do. Insurance agent was very confused why Lakeview did not read the House XXXX documents correctly ). After clearing up the house insurance and speaking with the Mortgage XXXX XXXX he said he needed to change the loan number and is having a problem with the Mortgage XXXX. Crickets. When we started the rate of 3.5 % was promised to us until close. Now we have lost all communication with our current Mortgage XXXX XXXX. He has not returned our emails or calls. I am writing this complaint because we have been trying to refinance with Lakeview since XXXX. Because the mortgage rates have gone up, we are afraid we have missed out on an opportunity to refinance at a lower rate. This process with Lakeview has been nothing but unprofessional ; with their false claims, redundancy and shadiness. Our hands are tied and we know we are being taken advantage of. The process leads to the Underwriter, then we run into another issue due to their incompetence, unprofessionalism and lack of communication. No one has apologized, there has been no accountability and now, no communication. Crickets. | ||||||
| 07/09/2022 | Yes |
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| I sent XXXX XXXX XXXX ( sub-servicer of Lakeview Loan Servicing , LLC ) notice of debt validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g requesting the following : SPECIFIC ITEMS REQUESTED 1. What is the name and address of alleged creditor? 2. What is the name on file of alleged debtor? 3. What is the alleged account number? 4. What is the address on file for the alleged debtor? 5. What is the amount of alleged debt? 6. What was the date this alleged debt became payable? 7. What was the date of the original charge or delinquency? 8. Was this debt assigned to a debt collector or purchased? 9. What was the amount paid if debt was purchased? 10. What is or will be the commission for debt if collection efforts are successful? 11. Have any insurance claims been made by any creditor regarding this account? 12. Have any judgments been obtained by any creditor regarding this account? Please attach copies of the following : 1. If applicable, the agreement with your client that grants any collection agency the authority to collect this alleged debt. 2. The signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 3. Any agreement that bears the signature of debtor, wherein agreed to pay creditor. 4. All statements while this account was open. 5. The name and address of the bonding agent for all and any debt collectors involved in the collection of this alleged debt 6. All insurance claims made by any creditor regarding this account. 7. A full audit trail and all Forward Flow agreements 8. All transfer notices pursuant 12 CFR 1024. 9. The company 's debt validation process 10. Proof that the company completed the debt validation process. 11. Proof that debtor has validated debt. They replied with following documents : security deed, Loan Estimate, Closing Disclosure, Account History, Annual Escrow Account Disclosure Statements, Conventional Breach Letter, and six months of monthly statements. I am now demanding Lakeview to delete this account since it has not been validated, zero out the balance on this account, grant me my title lien free, pay the attached invoice and compensate me for every violation labeled in the attached exhibits, Deletion of any of my accounts with them from all consumer reports. 1. Lakeview did not provide a legally binding contract between them and I. 2. Lakeview did not provide any legally binding Flow Forwarding agreements or legal audit trails. 3. Lakeview did not identify the original creditor. 4. Lakeview did not provide the steps or a process of debt validation investigation. 5. Lakeview did not provide evidence that they actually completed a debt validation investigation. 6. Alleged debtor ( myself ) disputes the validity of the debt with alleged creditor ( Lakeview ). 7. Lakeview did not provide any transfer notices from original creditor pursuant 12 CFR 1024. | ||||||
| 06/01/2021 | Yes |
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Web | Servicemember |
| Sometime last year in XXXX we made a house payment like normal to XXXX XXXX mortgage which is now named XXXX XXXX XXXX, and then we got XXXX bank fees because the company tried to take the payment out a second time. When we called to tell them what was going on they said our account was on auto pay so its trying to take it out again. The lady on the phone told us that in their system it said the payment was processed twice and we didnt owe until the next two months cause we paid twice. We told her that doesnt make sense cause it was only taken once from our bank. And she said no Im her system it shows two payments. So we asked her to fix it and she ended up refunding us back our money from the original payment. Then we got a letter in the mail saying we were 30 days late because she somehow messed it up more. We called and asked why we were refunded when only one payment came out. We didnt ask to be refunded we asked her to fix it on the system cause we did not pay twice. But by now it was telling us to pay double so we were stuck for months trying to pay double. After we fixed that months later we were in the next year. We left the account on auto pay and there was a time it didnt process. It was the month of XX/XX/XXXX. Usually a payment would start processing a few days before the first and itll come out exactly on the first. It was already the 6th and no payment came out automatically so we called and asked what happened. The representative said somehow we were taken off auto pay. So we went ahead and paid it over the phone and she put it back on auto pay. The very next day another payment came out again. So we paid the mortgage twice nexuses she screwed it up. Not everyone has two mortgage payments laying around to be playing with like that. So we called and a different representative has a major attitude and said of it was a weekend autopay wont process till after that. It still didnt make sense cause it was almost a week later. But either way the representative from before said it was off air pay c ompletely. At this point we are frustrated and told them we need that second payment back cause we still have to pay bills. They said the will issue a refund through check and itll be here in 5-7 businesses days. We are in XXXX now with no check and another payment is being taken out again for XXXX when they still have our other payment from XXXX. We called many times through XXXX asking where our refund is and the manager said she would just overnight it. Still no check in the mail and we are being charged yet again and it says we owe for XXXX when we still dont even have our refund back. We called today XX/XX/XXXX and they said it was sent last Friday but theres no tracking information. This mortgage company has screwed us over many times and no ones has ever tried to really help us and they think money grows on trees and they are rude and Ive seen they had horrible reviews. I would sue this place if I could. | ||||||
| 03/03/2021 | Yes |
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| Re : XX/XX/2021 Mortgage Payment, double payment, late fee, poor customer service We submitted our XXXX mortgage payment on time on XX/XX/2021 for {$1700.00}. On XX/XX/XXXX, XXXX then withdrew an additional payment of {$1700.00}, which we did NOT authorize. This caused our bank account to have insufficient funds for our other transactions that month, which resulted in other denied payments ( and a lot of frustration on our end ). We have attempted to contact XXXX multiple times, but it is almost impossible to speak to a customer service representative. The wait time for calls are an hour or more, and when I did speak with someone the calls were dropped and the agent did not call me back. We also submitted online requests for help, which only resulted in an automated response to call customer service. As we were unable to speak to anyone to resolve this issue, we filed a dispute with our bank. Our bank credited our account for one of the payments, and I assume due to the bank contacting XXXX, they ( XXXX XXXX then sent us a check for the additional payment they withdrew. However, now XXXX 's automated system now says the XX/XX/XXXX payment was NOT received, and charged a late fee of {$65.00} and NSF fee of {$40.00} when we paid our XX/XX/XXXX mortgage yesterday. We have been unable to get in touch with a live person on the customer care number. I submitted my cell # for a call back instead of waiting on hold, but have not heard from anyone for over 72 hours. While waiting on hold, we also get a sudden error message and the calls are disconnected during the wait time. Attempts to contact XXXX : XX/XX/XXXX - called XXXX, and submitted online contact form XX/XX/XXXX, received an email telling us to call customer service XX/XX/XXXX - called XXXX, unable to get a live person ... our call was disconnected during our " on hold '' time after about 40 minutes XX/XX/XXXX - called XXXX, unable to get a live person and our call was disconnected AGAIN during the wait time. XX/XX/XXXX - called XXXX and waited on hold, but then the call was disconnected before speaking to anyone. XX/XX/XXXX - submitted the issue on XXXX 's online contact form and requested a call back with my contact information. No call back. XX/XX/XXXX - received automated email from XXXX telling us to call Customer Service. XX/XX/XXXX - called XXXX again, same issue, could not get through to a live person. disconnected again. XX/XX/XXXX - submitted another online form requesting that someone call me back. No one called. XX/XX/XXXX -called XXXX, FINALLY got to speak a customer service representative after waiting over an hour on hold. However, within 2 minutes of speaking to her, the call was disconnected. No one called me back! XX/XX/XXXX - paid the mortgage for XXXX, and there are fees from XXXX listed. Late fee and an NFS fee listed. The system still says they didn't receive the XXXX payment ( after charging us twice ). This is really unacceptable. | ||||||
| 01/08/2023 | Yes |
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Web | Servicemember |
| My mortgage was purchased by Lakeview Loan, LLC. to be Serviced by XXXX XXXX, starting XXXX XX/XX/2022. I have made several attempts to pay my mortgage since this point, and have checked the account information several times for the bank account it is supposed to be drawn from. I have also been very careful to keep plenty money in my account to pay all of the months of my mortgage when they do finally come through. Not a single payment has processed in the 3 months that I have been stuck with these 2 companies, and despite several attempts to contact them to resolve the issue, nothing has come of it, and every time a payment is unsuccessful, I receive a new fee. I was never sent any paperwork agreeing to their fee system, which is different to the original loan 's fee system. I am also doing everything I can think to do in order to pay my mortgage. I don't believe that I should be responsible to pay extra money each month ontop of my mortgage because a company isn't taking money from the bank account they have on file. I was also under the impression, when I applied for a VA mortgage loan, that the VA loans were supposed to protect veterans from predatory companies, and predatory practices, such as those which seem to be used by XXXX XXXX, and accepted by Lakeview Loan , LLC. with their acceptance of XXXX XXXX as a servicer of their loans. XXXX XXXX already has multiple recent legal actions against them, including one from the Consumer Financial Protection Bureau. I don't know why or how these companies are still allowed to own mortgages at all, based on my experience, based on the complaints and reviews left on the XXXX XXXX XXXX XXXX website, and based in the multiple recent legal actions against XXXX XXXX, and I certainly don't understand why they are allowed to own or service VA loans. All I want is to pay my mortgage every month without fear of defaulting on the loan, while I have more than enough money to pay the monthly payments of the loan. I fear that I have paid nearly a year 's worth of payments on my house, and made several renovations, increasing the value of my house, but that these companies are attempting to gain that property from me, through foreclosure, regardless of my several attempts to pay the monthly payments on my mortgage. There wasn't a single issue with payments on my house with the company they purchased my loan from, even during COVID, which affected all of us. I never made a single late payment prior to this point, and I've been trying my hardest to just get them to take the money I owe on the loan. Again, I have checked the account details they have on file to ensure they are correct. I have been constantly checking my bank account to make sure that I have enough money for the payments, now three months worth, will go through. I just want to pay my loan, like I had been before my loan was purchased and Serviced by these companies which I view as predatory. | ||||||
| 06/12/2019 | Yes |
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| First, I would like all to know that I put down {$60000.00} cash on this home. It has lots of equity in it. There would always seem to be a problem getting my payment posted to the mortgage company. I would get multiple statements in a month. Sometimes 2 a week.I tried auto pay to the mortgage co. and would find out later that the payment wasn't posted but I show it being sent from my account. I would get an amount send it in again and still my statements were saying I was late. The mortgage co. locked me out of my account so I could not track any of my payments. It became routine that I would call to pay so I would have the amount at the time. I would pay by phone and pay a fee to do so. I paid via XXXX XXXX to get the payment there. I would call and check on my account and they would say I'm ok. Then I would call and they would say I'm late- I would get different amounts from different people on the same day. I tried everything to get current. Being locked out of my account was very unnerving. Next thing I know they send me a modification packet that I didn't ask for. I was told by family members not to sign it because we didn't know why I got it. As time goes on I had financial problems ( pay reduction ) The mortgage co. said I could send in the modification paper work even though it was late. I sent it in and they denied it. I call and they tell me one thing then someone else tells me something else. This has been going on for over a year. Now I'm in pre foreclosure and when I spoke to them in XXXX they said no you're not in foreclosure you've been paying. I got my Mother involved an they told her things and didn't follow through. I was told I could reapply for the modification. I did. Never received any correspondence from them they do not return emails or followup on anything. I called today to check on my mod. they said they needed a 4506T which was sent to them via my HUD counselor on XX/XX/XXXX. They said they don't have it and they need additional info. If I didn't call them I would have no idea! I am expected to pay their attorney {$740000.00} by Friday to reinstate. I wanted to see if my modification was accepted or denied before my family and I pay the money to the attorney. Since they have been sitting on my modification for since XX/XX/XXXX with no acknowledgement I am in a dire situation. I should have reported them sooner but they always made it seem like it would be ok. As a note : I am not saying I don't have any responsibility in this situation. I may have been late on some payments but I would always call to get the current situation. No access to my account is me taking there word for everything and I am left at their mercy. I have a journal of all the times I've called, people 's names and ID number etc. In total- No one there can give me the same answer to the same question. Complete runaround. I would have had this resolved if this company was professional. | ||||||
| 03/01/2021 | Yes |
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| Given my experience for my previous forbearance was to last through XX/XX/XXXX, I would like to complain in regards to me not being able to process the payments for XXXX, XXXX, and XXXX. As stated in my last complaint to the Consumer Financial Bureau, in XXXX XXXX I attempted to make a payment for my forbearance plan and was unable to because suddenly XXXX could not process my payment. When I asked about this I got many different excuses, such as because I applied for a loan modification and it was denied that I was unable to pay and that my info for the loan modification had been completely deleted, so I would have to pay XXXX upfront and enter a payment plan for the XXXX. When I challenged this over several weeks, I received new information such as all of a sudden the forbearance was magically restored and I didn't have to pay the XXXX anymore. I was really confused by the whole thing especially being that XXXX is the reason I decided to go ahead and apply for the loan modification when I did, they didn't say anything about the forbearance being broken or potentially broken if the loan modification was applied for. As a first time home buyer, this has been a nightmare experience and even still I am not sure what happened to the XXXX, XXXX, and XXXX payments as I let XXXX know I would now have to escalate because there has been far too much mishaps on their end. I would like to know if I was still charged for these months? I would also like to discuss the numerous late fees that I have been charged by XXXX which I did not discover they were charging me until I requested it last week. Can XXXX charge me late fees during the forbearance? Also, why was I never informed of that I could incur a late fee, before the forbearance began I was informed by a XXXX representative that as long as I paid by/before the last day of the month I would be fine. No mention of any late fees. I would like these late fees removed from my account. I am aware XXXX had a lawsuit against for charging unforeseen and extra fees, and at this time would prefer internal resolve around the fees and the forbearance. Lastly, I would like the delinquent payments removed from my credit report. I should have no months that I was in forbearance as delinquent on my credit report. I did not know about this until XX/XX/XXXX when I started looking into the situation because it did seem correct. I also would like to know if legally I need to go 2 months behind in payments to enter a forbearance? I was in great standing credit wise and mortgage wise before I was told I must be at least two months behind to enter a forbearance. If I legally did not have to do such, I would like those two delinquent months before my XXXX forbearance removed from my credit report as well. I plan to enter the COVID forbearance as I am heavily impacted by COVD-19 but would like to get these issues resolved before doing so. Thank you for your time. | ||||||
| 07/30/2020 | Yes |
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| 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. | ||||||
| 12/11/2023 | Yes |
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Web | Servicemember |
| On XX/XX/ we logged into Lakeview 's website to submit out payment for XX/XX/. They had " Updated '' their website, and everytime the payment was " submitted, '' there was an error message stating to try again later. XX/XX/, we logged back into the website and it showed a payment posted on XX/XX/, payment was submitted on XXXX XXXX XXXX. We immediately reached out to Lakeview through their " Secure Online Messaging System, '' requesting information that only 1 payment was received and not more than that since their was an issue with their website. We received no response. On XX/XX/, we logged into our checking account and it showed that there was a payment " In Process, '' for {$810.00}. On XX/XX/, we logged into our checking account again and the payment " In Process '' on XX/XX/ had cleared and that there was another payment for {$810.00} " In Process. '' Once again, through Lakeview 's " Secure Online Messaging System, '' another message was sent stating all of the above with a copy of our checking account with the one payment that had cleared and another in pending status. Since no response had been received from either message sent, a phone call to Lakeview was placed. We spoke with " XXXX, '' who stated that she would put in an " ESCALATED, '' request for the money to be refunded for the additional payment, " as there was an issue with their new updated site. '' We were told that this would be resolved by XXXX XXXX XXXX. On XX/XX/, we logged into our checking account, the 2nd payment for {$810.00} had now cleared, on Lakeview 's website it showed the payment reversed. Another 45 minute phone call to Lakeview was placed and we were then told by " XXXX, '' that the overpayment of {$810.00} had been issued in the form of a check and was overnighted on XX/XX/. No payment has been received. Today, XX/XX/, after another 45 minute phone call, we were told by another CSR that the check had not been issued yet, that this is not something done " Right Away, '' that it must be requested, then can take 4-5 days to be issued and then overnighted. This has been a great detriment to our household with having TWO payments taking from our account, and now having to wait over a week to get our funds returned. They had no problems taking our money out twice, have left our bank account in a potential for bills that are pending to be returned and overdraft fees charged. Our understanding was from the first phone call that the money would be returned immediately and no later than XX/XX/. We have NEVER been behind or late on our payments and now they are leaving us in a very bad position. Why must we wait for a check, why could the funds not just be returned to our account. It is not our fault that their website is having issues, we have done our due diligence and reached out numerous times and keep getting different answers. They need to be held accountable for their actions. | ||||||
| 08/14/2019 | Yes |
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| Spoke to a representative regarding the payment due XX/XX/XXXX. Representative stated that fees would be waived and if a payment of XXXX was paid, the mortgage would be up to date. Fees were not waived, and additional fees were applied. Since that point each time the payment is made it is applied to a suspense account because fees were not in fact waived as we were told. An additional XXXX was charged on the XXXX XXXX statement because of this. An additional two hours were spent attempting to rectify this matter with Lakeview Loan Servicing, LLC to no avail. Again, we were promised that the fees would be waived and that the regular monthly payment ofXXXX would be all that is necessary to be current. The fees were not waived. We were contacted yet again from the collection department stating that we needed to make a payment. We were originally set to pay XXXX so that we would not be inaccurately reported to the credit bureaus as delinquent. That payment was canceled when we were assured by a Lakeview Loan Servicing, LLC representative that only XXXX plus a XXXX difference would need to be paid. We again complied so that we would not be penalized. In XX/XX/XXXX, yet another late fee has been assessed. In another attempt to clear the situation, we reached out to Lakeview Loan Servicing, LLC. This is now the 4th month in a row we have requested remediation and no corrections have been made. Because the payment of XXXX still showed as past due because of fees not being waived, I had to pay an additional XXXX to make the payment. I attempted to make a payment of XXXX online but I was unable to make this directly to the balance due. During this request, I was advised (AGAIN) that fees would be waived and that a payment of XXXX would take care of fees we were somehow responsible for, AND would ensure the payment made of XXXX for XXXX would suffice. This time the account reflected XXXX in fees that would need to be waived.We called again on XXXX XXXXh and were told that the case should be settled on XX/XX/XXXX. We called yet again on XXXX XXXX and the representatives simply tried to collect a debt and stated that they were unable to help. On top of the fees that continue to accrue due to months of false statements from Lakeview Loan Servicing, LLC, we have been unable to take advantage of record low rates because Lakeview Loan Servicing, LLC will not show our mortgage as current on a Verification of Mortgage. At this point, we are under the impression that we will not receive any assistance from Lakeview Loan Servicing, LLC. We are fortunate that rates have not risen as that would be additional harm to our financial well-being. We are not asking for the difference in interest of what we could have obtained and what we were being charged. We are simply asking Lakeview Loan Servicing, LLC to stand by their word and waive all fees from April through the present as agreed upon. | ||||||
| 01/25/2019 | Yes |
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| The problem : I cant get a monthly statement from Lakeview Loan Servicing The details : 1. I have never ( over the entire life of the loan ) received a monthly mortgage statement. 2. The lender does not respond to emails. Instead generating computer responses with non working links. 3. The lenders website is a farce - despite numerous attempts I have not been able to login. Following is a sample email _ I have many more just like it : Dear XXXX XXXX, Thank you for contacting your loan servicing team! We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. Please note : duplicate inquiries may prolong your time for resolution. Your reference/ticket number is XXXX. ====== Your Inquiry ====== IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. I will believe it when i see it. Not the first time that you said you would contact me On Thu, XX/XX/2019 at XXXX XXXX Customer Service XXXX wrote XXXX Dear XXXX XXXX , Thank you for contacting your loan servicing team! We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. Please note : duplicate inquiries may prolong your time for resolution. Your reference/ticket number is XXXX. ====== Your Inquiry ====== IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. Hello, I have tried to contact Loancare LLC NMLS # XXXXnumerous times but have never received a response. My next step is to contact the Californian Real Estate Commissioner and the DRE. I am a licensed real estate broker and have not been able to see a statement for my personal residence for over a year! XXXX XXXX XXXX License XXXX Loan Number : XXXX. Payment Confirmation Thank you for making a payment on your mortgage account. Your payment in the amount of {$2000.00} was received on XX/XX/2019. This email confirms receipt of your payment. Thank you for being a valued customer. Please go to XXXX for further detail, or submit any inquiries via the Contact Us page. To unsubscribe from this email, please go to the Update Notifications page under the My Profile menu of the website, or email XXXX to be removed. If you have any questions about your account or need assistance, please email us XXXX. This email was sent to XXXX by LoanCare LLC NMLS # XXXX If you are not the intended recipient and feel you have received this email in error, please click here to notify us. | ||||||
| 10/28/2021 | Yes |
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| This complaint is about Lakeview Mortgage Co, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and the law firm that handled the closing of my refinacing. We closed on XX/XX/2021 and I was to receive a check for {$170.00}. On or about the next following Tuesday I received an urgent email from XXXX about a closing which I had to agree to for XX/XX/2021. I responded that we had already closed and I was surprised she didn't know about it. She then told me there had been an error on her end and we needed to repeat the process. She further told me I had done nothing wrong. For the next few days I repeatedly asked about the error but got no response. On XX/XX/XXXX the person came again to my house totally unaware this was a second closing and totally unaware of the problem. He also told me he was not leaving without a check from me for {$140.00}. So their error cost me {$320.00} and I still had no explanation about the error that cost me {$320.00} and caused a second closing requirement. The next week I had to threaten to invoke my right to cancel before I could even get a return phone call about the error and then it was at the last minute. XXXX called me with an explanation about a closing violation and told me my check for {$140.00} would be returned to me and I would also get a check for the {$170.00} which I was to get from the first closing. Last week my check was cashed by your company and I have yet to receive the your check for {$170.00}. At the second closing the attorney that came to me home told me he would scan the documents and email them to me that night. I never received that email and had to way to reach him. A week after the second closing I got a call from the XXXX XXXX XXXX about the {$140.00} check to confirm the address. I also asked the person about getting a copy of the closing documents since I never received them. She said she would send me my copies. I received the {$140.00} check the next day but no documents. Today I called the XXXX XXXX XXXX again to follow up on obtaining my copies of the closing documents. I also got the phone number of the attorney that did the second closing and call him to find out why he never emailed me my copies. He told me he did but the file was too big and was rejected. He also told me he he zip filed it and re-sent it the next day. I received nothing from him. Since the second closing I have exchanged emails with XXXX XXXX several times saying her firms takes complaints very seriously and she had referred my case to her complaint department. I never have received and clear answer as to why we had to do a second closing, why it cost me {$170.00} and why I don't have copies of my signed closing documents. This whole matter was handled in a very unprofessional manner and I was lied to to get me off the phone and placated until the 3 day cancellation period expired Thank you for your help with this matter | ||||||
| 05/27/2016 | Yes |
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| On the date XXXX XXXX XXXX, I XXXX XXXX exercised my right of rescission on a refinance mortgage credit transaction by mail and fax pursuant to the Truth in Lending Act 15 USC 1635 ( a ) and C.F.R. section 226.23 ( a ) ( 2 ) within 72 hours of the date of consummation with Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I exercised my right of rescission As a result of XXXX XXXX failure to provide me the following mandatory T.I.L.A required disclosures below and such rights in accordance with the regulations of the Consumer Financial Protection Bureau : 1. the creditor must deliver the notice of right to rescind to each consumer in the transaction 12 C.F.R. section 226.23 ( b ) ( 1 ) ( i ) - ( v ). 2. the notice must disclose the requisite information clearly and conspicuously 3. The requisite information comprises the retention or acquisition of a security interest in the consumer 's principal dwelling. 4. The consumer 's right to rescind the transaction 5. Information on how to exercise the right to rescind 6. the effects of rescission 7 the expiration date of rescission ( 3 days-3 years ) 8 to satisfy the notice requirement, the creditor is required to use model form in Appendix XXXX form or the one substantially similar. none of the above did i receive from Lakeview Loan Servicing violating 12. C.F.R. section 226.23 ( b ) ( 2 ). Lakeview Loan Servicing are ignoring and refusing to execute my rescission rights thereby, being non compliant to the regulations of the Bureau 12 C.F.R section 226.23 ( d ) ( 1 ) and 12 C.F.R. section 226.23 ( d ) ( 2 ). It appears Lakeview Loan Servicing and XXXX XXXX XXXX and its officers XXXX and XXXX XXXX XXXX XXXX are intentionally refusing to comply with the regulations of the Consumer Financial Protection Bureau, T.I.L.A. Regulation Z, and the U.S. Supreme Court Order and Decree on XXXX XXXX XXXX ( XXXX XXXX XXXX, v. XXXX XXXX XXXX, XXXX No. XXXX.whereby borrower need only provide written notice to a lender in order to exercise right of rescind. Furthermore, ( 1 ). " XXXX XXXX XXXX/Lakeview Loan Servicing claims for incomplete credit application ''. How do you set a closing date, sign closing documents, cash my settlement fees check but claim my application is incomplete and leave me a closing package with the HUD 1. ( 2 ) " Claims Application Approved but not accepted ''. How do you set a closing date, sign closing documents, cash my settlement fees check but claim my application is incomplete and leave me a closing package with the HUD1. It is customary for the Lender to give the Closing Attorney the " Clear to Close '' in order to close a loan. ( 3 ) You can not have an incomplete application and an approved application at the same time. ( 4 ) How do you assign a loan number with an incomplete/not accepted application? | ||||||
| 01/09/2024 | Yes |
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Web | Servicemember |
| In early XXXX I was approved to refinance my home. The process went smooth and was done mostly through email and phone communications. When it as time to begin paying my mortgage I tried to sign in to the company and I was told that my loan number could not be found and to just wait a few days.In XX/XX/XXXX I emailed the contact person to get assistance and she provided me with XXXX phone numbers for the company. The representatives I spoke with after being transferred several times all said that because my loan was new it may not be in the system just yet. I waited a few weeks and called back in early XXXX when I was expected to make the first payment and was told that because it is a new mortgage even if my payment was late I wouldn't be penalized because it takes time for the everything to be updated in their system. After over a month with trying to make an account online and pay my mortgage it was not until XXXX I was able to do so. At this point I was told that the now missed XXXX payment would be added on to the end of the loan and I would not be reported negatively to the credit. I purchased my first home in XXXX and never missed or had a late payment. I was approved to refinance my current home because of my outstanding credit history. As months pass, In XXXX I noticed late fees and changes in y credit history stating I was late on paying y mortgage. After several calls, being transferred, redirected, and even being told to complete a mortgage assistance application, in which I was denied, It is still showing that I am 1 month behind. In my most recent communication the company told me that they would not honor what the representative stated about adding the XX/XX/XXXX payment to the end of the loan. I was even told that I needed to be XXXX payments behind in order to get help. I do not have any issue paying my mortgage, I have an issue having to pay 2 months at XXXX time because the company failed to have my loan in the system for me to make the expected XX/XX/XXXX payment. This incident has resulted in negative reporting to the credit agencies and added stress to my life. I am a United States XXXX XXXX Veteran and I expressed to the company how this incident has impacted my daily life in a negative way. I have sent over 10 emails in the last month or asking for someone to help me, made several calls where I even been hung up on and more recently I spoke with the escalations team and the supervisor told me there was nothing they could do because I was denied for mortgage assistance. I do not need mortgage assistance I need for the company to be fair. In addition, their system has been down for XXXX weeks in XXXX, and early XXXX where I was unable to log into my account and/ or speak to someone. I wish to have my late payment be added to the end of the loan as I was promised because or an error on the company 's behalf. | ||||||
| 09/12/2022 | Yes |
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| On XX/XX/22, I contacted Lakeview Mortgage company requesting to apply for a home equity loan. The agent that answered began to collect my information as part of the application process, and also sent me an email in which I had to consent for electronic delivery. Once we got to the portion of the application involving income, I explained to the agent that I was recently self employed, and provided my business information. The agent abruptly advised that in order to utilize my business income, I would need to provide two years of income tax returns. I explained that my business hadnt been established long enough to have two years of tax documents, however I did file my taxes with my corporate job for the last two years. The agent then advised that I would have a hard time getting qualified for a home equity loan, and ended the application process. I explained that my husband does work, and could be a co-applicant on the loan since he could provide the necessary tax documentation. I also advised that I was concerned, as my husband did have a bankruptcy on his credit, and wasnt sure how that would impact our approval odds. The agent then stated that he didnt think we would qualify with a bankruptcy on my husbands credit, and would not accept any of his information. The agent ended the application and stated he would reach out to underwriting for clarification, and call me back later in the day with a response. Needless to say, the agent never called me back. The following morning I called the agent back to follow up on the application, and to find out why he did not call back as promised. The agent proceeded to tell me that he was still waiting for a response from underwriting, which is why he didnt call me back with an update. I then advised him that, there are laws in place for companies that prohibits agents from discouraging applicants to apply, and for declining to accept an application. The agent told me that hes been doing his job for 20+ years, and was doing me a favor by not submitting the application in which he knew wouldnt be approved. He stated that there was no need for me to get a ding on my credit for no reason!! I promptly asked to speak with his supervisor, in which he provided me with her phone number. When she called me back, she simply stated that she would provide this information to her team, and apologized. At no point did she ask who I spoke with, my loan number information, or offer to complete the application. Makes me wonder how she would address the agent I was dealing with when she didnt bother to ask any information about him. Ive worked in the banking industry for many years, and know for a fact that the actions of the agent could fall under discrimination, and violate the equal credit opportunity act. To this day, Ive not heard back from the agent, and my application still has not been submitted. | ||||||
| 02/04/2021 | Yes |
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Web | Servicemember |
| I was in forbearance with LakeView XXXX XXXX due to the pandemic. I was able to get back on track and stated that I was ready to stop the forbearance further. This was supposed to be stopped in XXXX for a total of 6 months, but they decided to extend this to XXXX. A monthly payment of XXXX to the lean and instead of it being XXXX, they included the additonal two months which increased the amount in the lean to XXXX. I accepted the partial claim and this is why the lean was created. What happens is FHA/HUD pays the lender this amount and then the amount is set into a leaned account. I was told by FHA that it was supposed to stay with the same lender, but XXXX decided to put this to a completely different provider which is not allowed in the cares act. What the results of what happened are as follows : Im rounding down so the figures are easy to understand. my origination loan amount was XXXX currently my principal is at XXXX because the months I paid went straight to principal. ( Even though they stated to start paying in XXXX and not XXXX ) XXXX put XXXX against a lean, which is fine. But, what about the XXXX that XXXX got from FHA/HUD? Where did that money go? Sure didnt go to my principal or account. I should not have a total principal amount due that is greater than what my loan origination started with in 2019. Now the total amount that I owe is XXXX I called FHA, and the example they provided is if you have XXXX in principal due. You go on forbearance for 6 months at XXXX per month. Then once the partial claim is processed, an amount of XXXX will be in principal, and XXXX in the lean. This makes sense as the origination of the loan did not go up. But this is not what XXXX is doing. Since they did this to me, then I know they are taking advantage of other customers that had no choice but to get help during this pandemic. The cares act was not designed for people to owe more money than what they agreed to loan for the purchase of the loan. They did not move money from one account and then put that amount in the other. They did a debit on my principal when it should have been a credit. Additionally, in the payments made, shows my principal in the payment section to be XXXX. Yet, the statement shows XXXX. This is completely conflicting and further proof that XXXX is not properly handling partial claims or something else is happening with the money that they are given from FHA/HUD. Lastly, I have requested XXXX management to call me on four separate occasions. I have yet to hear from them. Then, the last time I called, I was finally able to get someone to understand the scope of this who stated " this is not right ''. She then messaged her manager who replied to her who then told me " our hands are tied and we can not do anything for him, and the only way to resolve this would be to file a complaint. '' | ||||||
| 01/30/2024 | Yes |
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| On XX/XX/XXXX, I received a notice in the mail from Lake View Loans ( under the XXXX XXXX umbrella ) that my property address was now considered in a flood zone ( Flood Zone AE- highest level of flood zone ) due to new updated FEMA flood zone maps. It stated that we had 45 days to obtain flood insurance or else it would be purchased on our behalf for an amount of {$2600.00} to the servicer XXXX XXXX XXXX. Please note that this notice was received about 2 weeks after our loan had been transferred to Lake View Loan. I called my insurance broker ( XXXX XXXX ), who called out to 3 different insurance policies, which all reported back that we were in XXXX XXXX XXXX ( which is not a flood zone ) and that they would be unable to even issue a flood insurance policy since we are not in a flood zone. After getting this information, I called XXXX XXXX and Lake View Loans, which continued to state that their hands were tied and that I needed proof from FEMA that my address was not in a flood zone. I asked if they would be able to post-pone the 45 days that they were giving me to get insurance, since I had called with an inquiry that the flood map was incorrect, and they denied this claim. They gave me the number to call FEMA. I called FEMA immediately after getting off the phone with Lake View Loans, which walked me through step by step on how to pull up my address on a flood map. My address was pulled up and the FEMA representative also agreed that we are not in a flood zone and proceeded to say that it is " up to the mortgage companies interpretation of the flood zone map '' to determine if they are going to require flood insurance. The only way to prove this is to create an appeal with FEMA, which can take 60 days to complete. I completed the request for the FEMA flood map appeal on XX/XX/XXXX, but the expected completion date is XX/XX/XXXX ( after the given 45 days to obtain insurance ). In addition to this, FEMA stated ( and seen clearly on their website ) that they have not updated the flood maps in my area since XXXX and the claim that " FEMA recently changed the flood maps in my area '' was false information. This indicated that Lake View Loans clearly lied on the noticed that required me to obtain flood insurance. After further investigation, the company that Lake View Loans was going to purchase flood insurance on my behalf ( XXXXXXXX XXXX XXXX ), is owned and operated by XXXX XXXX. Thus, they are requiring for me to obtain flood insurance, I am unable to obtain flood insurance on my own since I am not in a deemed flood zone, and forced to pay the parent company XXXX}. XXXX XXXX has also been under litigation and lost under prior investigations for mortgage fraud. It is under great suspicion that this is another cause of fraud, as they are forcing me to purchase unwarranted flood insurance through their own company. | ||||||
| 07/04/2021 | Yes |
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Web | Older American |
| To whom it may concern I am requesting your immediate help in a very serious matter. As of XXXX XXXXXXXX XXXX located in XXXX XXXX, Iowa procured an FHA loan through HUD. At the point of origination an appraisal was ordered from XXXX XXXX XXXX located in XXXX Iowa were the said property was located. The loan was sold on the secondary market to XXXXXXXX XXXX located In Florida. As of XXXX I listed the home for sale, I received not one valid offer that would financially extract me from the Mortgage owed, pay-off the closing costs and allow me to move and acquire another home of lesser value, in another state. As of XXXX, I again tried to market the property myself, forgoing the exorbitant realtor costs, hoping to sell the property, just to cover the mortgage owed to the FHA and various closing costs, associated with the City of XXXX and Iowa State. The home to date has been on the real estate market for over 140 days with not one offer of validity offered. I have now gone to great effort to explore exactly why this home in question will not sale. The most important factor to be considered here, is that the appraisal ordered at the origination of the loan was fraudulent. The comp set used for the comparison study was entirely factitious. The home portrayed in the report are an entirely different category of structure assuming a far greater value than the home that was funded.I have tried to alert LakeView-XXXX of the fraud that took place, many times calling several times a day to be connected to many various individuals such as supervisor after supervisor in many different departments, yet to no avail. I am just told they have never heard of such an instance before and can be of no help. The financial loss here is exceptional. I entered a lease purchase for this home putting {$20000.00} as a down payment. Then I paid over one years time another {$42000.00} in monthly payments spread into a 13month payment structure. Then the FHA funded {$340000.00} in the complication of the said loan. This totals {$400000.00} when the home value should be in the {$200000.00} range, when compared to the comp set of XXXX XXXX for all of XXXX County where the home is located. As of XX/XX/XXXX, before my knowing of this fraudulent event, I put the home in forbearance with LakeView-XXXX. Lakeview Mortgage owns the loan, XXXX services the loan. The forbearance is now to conclude next month in XX/XX/XXXX. The home can not be sold for what the FHA is owed. I am at a total loss here as to what to do. I have reported this action to HUD, the FHA, to the Attorney General for the State of Iowa, to the Iowa XXXX XXXX XXXX and the the Iowa XXXX XXXX XXXX.I have as well spoken to Senior Management at LakeView Mortgage directly. A Mrs XXXX XXXX is my point of contact ( XXXX ) XXXX FHA CASE # XXXX LOAN # XXXX Most sincerely, XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 07/20/2020 | Yes |
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Web | Servicemember |
| I received an email on XX/XX/2020 telling me that I qualified for a VA XXXX because of my perfect payment history and the fact that they service my loan. Here is the email I received : XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me Hello Mr. XXXX, My name is XXXX XXXX XXXX I am a licensed mortgage loan originator and I work in the mortgage retention department with Lakeview Loan Servicing , LLC. I was reviewing your account and was able to confirm you currently have made 6 on-time monthly payments to Lakeview. As you may already know, this qualifies your current mortgage for a VA Interest Rate Reduction Refinance Loan. This is a simple interest rate reduction program available because you make your monthly mortgage payments within 30 days of the due date. Lakeview owns the mortgage servicing rights of your loan and has chosen XXXX XXXX to collect your monthly mortgage payments, and manage your escrow account on our behalf. Since we own the servicing of your loan, we can offer this interest rate reduction program with no origination fee, no underwriting fee, and no processing fee. Please call or email me so I may help you with this opportunity. BENEFITS of refinancing with Lakeview Loan Servicing : 1. No origination fee, no underwriting fee, no processing fee 2. No appraisal 3. No minimum credit score 4. No income check 5. Monthly savings Thank you, XXXX XXXX, XXXX Mortgage Loan Originator Lakeview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX NMLS # XXXX / Company NMLS # XXXX XXXX Equal Housing Lender On XX/XX/XXXX after sending the second mortgage statement, the loan officer said that his operations needed to pull credit because of my second mortgage. I told him that he could send a verification of mortgage. He said that was not possible and that the only way for them to fully approve my loan was to pull my credit. After the credit was pulled and several days later, I was told that they couldn't approve my loan because back in XXXX I didn't make a payment ( which should have been part of the forbearance ) and that they were going to have to deny my loan. I spoke with XXXX XXXX NMLS # XXXX who is the direct supervisor to XXXX and said that she stands by his actions and that pulling the credit was necessary, she also said that the credit pull was going to be reversed " as if it never happened '', which to cover up their mistake. I asked to speak to XXXX XXXX NMLS # XXXX who has yet to return my call from XX/XX/XXXX. Upon my insistence about Lakeview Loan Servicing LLC NMLS # XXXX being in the wrong, their Compliance Department Director, XXXX XXXX called and said that they could't/would n't do anything. She asked for a copy of the email that I received and said that she would escalate to her management and haven't heard back. | ||||||
| 12/21/2018 | Yes |
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| Our home was damaged during Hurricane Michael. In the month following the storm, we the homeowner, paid out of pocket for tarping, emergency remediation and a new roof in order to protect our home and the mortgage asset. All receipts have been sent to the mortgage company ( Lakeview Loan Services ) multiple times, including the insurance company 's third party adjuster that came to the home 3 days after the hurricane and all out of pocket paid in full receipts signed off on by both borrowers. The mortgage company confirmed received all of receipts on XX/XX/XXXX. In the days after receipt of the paid in full receipts, the mortgage company has stated that they will not pay any funds unless they receive a letter from the insurance company stating that they hired the 3rd party. As of XX/XX/XXXX, they are stating that they will not reimburse us the borrower for out of pocket expenses until another estimate is done on the home which should have nothing to do with releasing our out of pocket funds. Every time we contact the mortgage company, there is some reason that they give us that was not given to us the day prior as to why they are not able to reimburse us from the checks that have been signed and sent to them for our " escrow '' account. Each time we call, they say that " special approval '' is needed from upper management to release our funds as it is not their standard procedure to release money without a contractor. Hiring a contractor should not have any baring on the mortgage company reimbursing us for money that has already been paid out of pocket by the borrower to protect the home from further damage ; we are not far enough in the process to even begin hiring a contractor and being to repair our home based on the financial strain that being out of pocket this amount of money for this long as put on us. Our out of pocket expenses were included in supplemental checks that were sent, separate from the original estimate check and the mortgage company is still refusing to send reimbursement for out of pocket expenses. When we have asked to speak to a supervisor, we are told that no one is available in the office and that we would have to request a call back and it would take 24-48 hours. Also, every time we submit a document or call into the customer service line, we are told 7-10 days before they can confirm receipt of documents and then another 7-14 days for a decision. We are almost three months after the hurricane and still out of pocket {$40000.00} that our mortgage company is refusing to reimburse us for although the insurance company has issued the checks from their side and confirmed that the money is rightfully due to us the homeowner. The breakdown of charges are as follows : Emergency Tarping Services : {$2300.00} Remediation Services : {$21000.00} New Roof : {$16000.00} TOTALING : {$40000.00} | ||||||
| 03/31/2023 | Yes |
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Web | Older American |
| My new mortgage originated with XXXX Mortgage in XXXX of XXXX. My first payment, due XX/XX/XXXX, was paid on time to XXXX. XXXX transferred servicing of my mortgage to Lakeview Loan Servicing, subserviced by XXXX and transferred the amount I had paid them. XXXX showed this payment as a XXXX XXXX Applied on XX/XX/XXXX. The entire amount was applied to the Escrow Paid column. I then made my first payment to XXXX which was applied on XX/XX/XXXX for the month of XXXX. This payment was correctly applied between Principal - {$520.00}, Interest- {$2100.00} and Escrow - XXXX. On XX/XX/XXXX the amounts applied on XX/XX/XXXX were reversed. An additional {$520.00} was debited from Principal on XX/XX/XXXX. My next payment was applied on XX/XX/XXXX for the month of XXXX but shows with a due date of XX/XX/XXXX. On XX/XX/XXXX the amounts applied on XX/XX/XXXX were reversed. Also on XX/XX/XXXX a dollar amount of {$2600.00} shows under the AmountPaid column which is supposed to be the total amount of Principal, Interest and Escrow but those columns all show {$0.00}. On XX/XX/XXXX with a Description of Escrow Payments the amounts of {$520.00} and {$2100.00} show under the Principal and Interest columns respectively but there is no amount showing in the AmountPaid column. Those amounts however appear to tie back to the second entry on XX/XX/XXXX. It was about during this time I received an alert from one of the credit monitoring agencies I used that my XXXX mortgage was reported as being over 30 days past due and my credit score was being dinged in the neighborhood of XXXX to XXXX. I found out when I called them my AutoPay had been suspended because I was past due. I explained to them I was not past due. I had made every payment on time and the error was on their part. After many phone calls and being passed around they finally said my case would go to their Escalation Department, I would be assigned a Case Manager and they would be in touch within 7 business days. I never heard from anyone. I received an email saying my issue had been resolved on XX/XX/XXXX. I called today, XX/XX/XXXX, to find out when my XXXX XXXX was going to be repaired and was informed it would be XXXX days. This is unacceptable. XXXX made a mistake ( s ) and ruined my credit score in a day but I cant get it fixed for XXXX days??? Not right. They claim to have called me. If they did, no messages were left. I would have called. They said sent a letter on XX/XX/XXXX. I was on vacation and did not get it until returning on XX/XX/XXXX. They did not send me an email. This should be mandatory before harming someones credit score. Most people dont answer their phones today when they dont recognize the number, me included. They had/have my email. Why didnt they use it? I want my good credit restored as quickly as they took to XXXX it up. Not 60-90 days. That is wrong. | ||||||
| 05/08/2020 | Yes |
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| on XXXX I made a mtg pmt of XXXX it was my payment plus my escrow shortage amount of XXXX. This was applied to my account incorrectly they posted the whole XXXX to my escrow account which didn't make my XXXX pmt. I sent an email that was never answered before XX/XX/XXXX through the mortgage companies email system. It stated I needed to wait 5 days for a review so I did. On XX/XX/XXXX I called and waited over an hour to speak with a supervisor named XXXX ( a female no last name no ID # was given to me. ) I explained the scenario to her and she assured me it would be fixed and not to worry. I was also concerned at this point I would be late for XXXX and wanted to make my XXXX normal payment she took it over the phone. On XX/XX/XXXX the payment I made for XXXX was applied to my account but did NOT advance my due date. So I've now made XXXX and XXXX pmts that were both applied incorrectly and it looks like I owe 2 months. On XX/XX/XXXX I email again requesting a call back from a Supervisor ASAP. On XX/XX/XXXX I call back since I still have not heard from anyone and I speak to XXXX who is a customer service rep who says he will expedite this process and it will be corrected by XX/XX/XXXX. On XX/XX/XXXX The issue is still not corrected I call back again and wait 45 mins to speak with another Manager J ( again no last name no ID # given ) She tells me she will expedite this and needs some time to figure out what is going on and states she will call me back. When we are talking she tells me I have a check being mailed to me from my escrow for {$1100.00} and I was very upset they were supposed to reverse this and reapply as 1 payment and put the 50 shortage into escrow then reanalyze my escrow so my pmt amount would be corrected. I ask her to stop payment the check immediately and reapply it properly. She says she will work on it and call me back. On XXXX My XXXX payment is now due and they still don't have my account fixed so I call again this time I talk to a supervisor named XXXX ID # XXXX. XXXX says he want to research and talk to the Supervisor XXXX ( he says her name is XXXX ) and he will call me back on XX/XX/XXXX. Today is XX/XX/XXXX and I still have no answers and need to pay my mortgage for XXXX now. I have been told that my credit reporting was surpressed but I'm not sure what to believe since no one there is telling the same story. Break down is I need a stop payment issued on the check they sent me apply it to my XXXX pmt and my XXXX escrow shortage then apply my XXXX pmt properly. Once that is complete I need to make my XXXX payment ASAP. I refuse to send them more money until my history is corrected. I am also applying to refinance this mortgage with another company which I told several supervisors and I need a corrected history to provide to the lender. I can do any of this until its corrected | ||||||
| 10/10/2022 | Yes |
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Web | Servicemember |
| This is a request for a validation of debt pursuant to 15 U.S.C. 1692g and other consumer laws. I have attached a copy of an invoice of some sort placed on the public record claiming that XXXX XXXX XXXX XXXX owes an alleged debt. I request an authenticated record from an accountant not a what is written on a piece of paper. I have the right to this request, and I demand an authenticated record of accounting from LAKEVIEW LOAN SERVICING , LLC and XXXX XXXX XXXX who works for LAKEVIEW LOAN SERVICING , LLC. This is request is also pursuant to 12 C.F.R. 1006.34, I request the following : XXXX. The Itemization date-1006.34 ( b ) ( XXXX ) ; 1006.34 ( c ) ( XXXX ) ( vi ) XXXX. The amount of the debt as of that itemization XXXX C.F.R. 1006.34 ( c ) ( XXXX ) ( vii ) XXXX. An itemization of the current amount of the debt that discloses categories of information since the itemization date : XXXX ) interest, XXXX ) fees, XXXX ) payments, and XXXX ) credits XXXX. The current amount of the debt as of the date that the validation information is provided. 12 CFR 1006.34 ( c ) ( XXXX ) ( ix ). Also, pursuant to 15 U.S.C. 1602 ( p ) - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. LAKEVIEW LOAN SERVICING , LLC has used my credit card for the last 3 years and I have received no benefits from the use of my credit card ( SSN Card ) as defined in 15 U.S.C. 1602 ( L ). Because my social security number was used to finance the home known as XXXX XXXX XXXX, XXXX, SC XXXX, this is proof of fraudulent activity This company, LAKEVIEW LOAN SERVICING , LLC is subject to civil liability pursuant to 15 U.S.C. 1692 ( k ), and criminal liability pursuant to 15 U.S.C. 1611 for willful and knowing violation from a financial institution. I demand to be compensated for the use of Social Security Number ( credit card ) for over 3 years with LAKEVIEW LOAN SERVICING , LLC. I have tried to resolve the matter with XXXX XXXX ( acting as CEO ) by way of communication through mail and Supreme Court. I have a default judgment against XXXX XXXX ( acting as CEO ) and this individual and company has refused to send satisfaction of mortgage. I have contacted HUD and USDA for the location of satisfaction of mortgage and neither agency has them. This is fraud on LAKEVIEW LOAN SERVICING , LLC. I am requesting the MASTER FILE be given to me. I have a right to have to the XXXX FILE with no redactions. This is a request for an authenticated record of accounting on LAKEVIEW LOAN SERVICING , LLC. LAKEVIEW LOAN SERVICING , LLC and XXXX XXXX ( acting as CEO ) are in possession of stolen property and I demand that my property is returned to me. | ||||||
| 06/22/2017 | Yes |
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| I am contacting your office to file a complaint against Lakeview Loan Servicing. They have taken over my FHA mortgage loan from XXXX XXXX and have been difficult to deal with. Our family went through some hardship and temporary loss of income and missed some payments on our FHA loan and have been trying to fix the problem with Lakeview. The issue is that we keep getting transferred from one person to another at Lakeview and they have failed after several months of trying to open any type of review of our information for a workout. I know that there are supposed to be several different programs available for homeowners who are struggling with FHA loans, but Lakeview Loan Servicing is not giving us a chance to be considered for any of these programs. Instead they are difficult to communicate with and seem more interested in pursuing foreclosure than in trying to work with me to fix this problem. I live in this property with my husband and son and daughter in law and their XXXX children. I was able to buy this property and qualify using my monthly income from my position as a XXXX XXXX, but the plan was for my son and his family to contribute towards the monthly household bills in order to make things work. Unfortunately, not long after we closed the deal my daughter in law lost her job. I held things together for a few months but soon was in a position where I would default on this loan with XXXX. I contacted XXXX and was put into a trial plan and I began making these payments with the expectation that my daughter in law would find work but she did not and I was not able to fulfill the trail modification payments. As a result I was kicked out of the offer. A few months later our financial situation changed and improved and we began trying to get XXXX to work with us. We then found out that our loan had been transferred to Lakeview Loan Servicing. I began trying to contact them in order to make this situation right. I was told that they would not accept my regular mortgage payment, and that the only thing I could do was to repay all the late payments and attorney fees and late fees all at once. This was not possible. Their agents told me they would open a review of our case, but then our point of contact kept getting changed and it seemed that we were constantly getting the runaround. We could not make any progress and I dont think a review of the current and correct financial information was ever conducted. As a result, we are now falling into foreclosure. I dont know why Lakeview Loan Servicing is denying me access to these FHA programs. Why is my family not being reviewed for a partial claim, forbearance agreement, repayment plan, restructured loan or another modification? I dont understand why I cant even get a straight answer out of their loss mitigation department. | ||||||
| 12/09/2023 | Yes |
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| On XX/XX/2023 a tree fell on our garage because of a bad storm. We filed a claim with our insurance company and they pay this out the full amount allowed from our {$50000.00} detached garage coverage. Because the amount was over {$40000.00} the mortgage company had to be included on the check so we had to endorse the check and mail it to the mortgage company. We received the check XX/XX/2023 for the amount of {$49000.00}. I requested money from the insurance funds the mortgage company kept from us and put in an escrow account and they said they will not release any funds unless it is to a licensed and insured contractor. As a home owner in California, I am considered an owner builder so for me to fix the broken trusses on the roof of the garage would not require me to have a contractor license. They denied me my request for any amount and because I couldn't get a contractor to come get the tree out of the attic of our garage and fix the few broken trusses, a snow storm came and the weight of the snow completely caved in the garage and demolished the entire structure in XXXX. I asked again for funds to get the rubble taken down because we have children and the walls were leaning and could fall on someone and again I was denied. I paid a guy to cut up the tree in our backyard and the tree in the garage rubble and I asked to be reimbursed for the {$200.00} XXXX paid the guy to cut up the tree in XXXX. They finally sent an " inspector '' who came and took pictures XX/XX/2023. I finally received a check for {$2000.00} XX/XX/2023 for reimbursement and they called the garage 25 % complete even though nothing has been done towards rebuilding or even demoing the garage. I finally found a contractor who demoed the garage and spent thousands of dollars on labor and dump runs. The back wall and one side wall are able to be saved and built off of, so the garage is now completely demoed except for the two existing walls. I requested another inspection and they said the inspection failed and more repairs are required before any funds can be sent. How am I supposed to pay for further repairs without the insurance money that was issued to rebuild the garage? I am in debt with the contractor who has weeks of work and money into the demolition and they still refuse to release any funds after excepting the contractors estimate and signed contract which states they will be building off the 2 existing walls. It has almost been a year and still haven't started rebuilding do to Lakeview Subserviced by XXXXXXXX XXXX lack of care. If the garage was considered 25 % complete they should have issued a lot more than {$2000.00} I read the first check should be 33 % of the total funds. Lakeview XXXX XXXXXXXX is being ridiculous and completely unethical. How are we supposed to rebuild the garage with no funds? | ||||||
| 09/03/2020 | Yes |
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| What is this complaint about? A {$4000.00} discrepancy. What type of problem are you having? I have spoken to customer support in regards to this complaint. They have confirmed that the loan is not accurate, but are unable to physically fix it from where they sit. They advised me to file a complaint though here ( Consumer Financial Protection Bureau ) to get it properly addressed with their internal mortgage resolution department. What happened? - We received an email from XXXX XXXX on XX/XX/2020 - The email advised us that we were able to have a complementary loan analysis - XXXX was amazing through the whole process - He confirmed that there was really no downfall to refinancing because the rates were at the lowest point in US history - We discussed all of the details and he advised us to keep AutoPay for XXXX - XXXX did suggest that we remove AutoPay for XXXX due to the closing being potentially scheduled towards the beginning of it - This way, we paid {$1200.00} to XXXX, XXXX for the closing costs to act as the XXXX mortgage payment - He advised us that we would not have a payment in XXXX - The first payment we expect is on XX/XX/2020 - The concern here is that we accidentally forgot to remove AutoPay - We emailed XXXX ( our loan processor ) on XX/XX/2020 advising her that we made this mistake and wondered what was going to happen - She called XXXX the following day that she was in the office. She advised him that they had already gotten a quote for the payoff on the loan. She told him that the payment we made with AutoPay wouldnt have anywhere to go - so we would get a refund for that payment - I recently reached out to Lakeview to discuss the loan - They advised me that I would not be getting a refund for the full payment because they called in to get a new payoff amount after the XXXX payment was made. - During this process I spoke with another Loan Care specialist, XXXX, who stated that the total amount paid off was {$230000.00} ; including them taking {$1700.00} from the escrow to make that payment. - XXXX advised and confirmed that the new loan was created for {$240000.00}, which was much higher then the payoff amount. - I think that maybe there was some miscommunication with the total amount on the loan from when we were initially quoted back in XXXX. However, that shouldnt have been missed because some people cant afford mistakes like this to happen .... RESOLUTION SUGGESTION : Since the loan was created for a larger amount then what was actually paid off, we would like to receive a refund of the {$4000.00} difference. What company is this complaint about? XXXXLakeview Loan Servicing Who are the people involved? XXXX XXXX ( XXXX, Mortgage Loan Originator, Lakeview Loan Servicing , LLC ) XXXX XXXX ( XXXX, Loan Processor, XXXX XXXX XXXX XXXX XXXX ) | ||||||
| 08/03/2021 | Yes |
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| Earlier in the year ( around XXXX ), I started conversations with my mortgage servicer ( lakeviewloanservicing ) about removing my PMI. The first agent who I spoke to regarding the amount I need to pay to remove PMI put me on hold and never came back. The next one gave me a number ( {$11000.00} - see XXXX statement attached ) and told me to pay to principal and then to send a subsequent email to ask to remove PMI. I conducted the exact tasks and then saw no movement and the PMI remained and I received a letter over a month later saying it can't be removed but no clear explanation why. So I spoke to another agent who gave me a different quote ( saying it should be 78 % instead of 80 % ), then another agent that gave me yet another quote. I then spoke to a supervisor to explain that nobody is able to tell me what to pay to remove this PMI. The supervisor also didn't know and had to open a ticket as they did not know how to calculate the amount to remove my PMI. They eventually send me a table from XXXX XXXX and told me to work it out for myself. While this is going on, I have incurred 2 more rounds of PMI payment. I finally figure out the amount myself from the Fannie Mae table and paid yet another large amount ( more than double the original quote - i paid another $ XXXX - see XXXX statement ) at the beginning of XXXX. I finally got a letter mid XXXX to say it has been removed. My payment due for XXXX then dropped by {$200.00} ( the PMI amount for my XXXX payment - due XX/XX/XXXX ) then during XXXX I get an escrow analysis letter saying my payment for XXXX is jumping up by {$270.00} ( see XXXX statement ), partially for property taxes but the PMI reappeared. I complained yet again and they said it needs 30 days from PMI removal date to reflect in my escrow. We get to 30 days later and its still there so I call again and they said they will have it removed by mid XXXX. my XXXX XXXX it hadn't been removed so I call again and they say they will escalate it to be resolved within 24-48hrs so it doesn't end up in my XXXX payment. They didn't and now I have had to pay the extra {$200.00} yet again for XXXX. I can not seem to get this company to remove my PMI although I have paid all the amounts required. They keep promising but it is not going away and it is costing me {$200.00} per month. I have now overpaid PMI for many more months than I should have ( between them not being able to calculate the amount and then when I finally figure out the amount they cant seem to administer it ). I called again today to ask why it still hasn't removed and they are now saying XXXX due date to get it resolved. I explained that it should have been resolved in 24-48hrs as promised and I have been on hold for over 30 mins so I think they have basically left me hanging again without a resolution. | ||||||
| 04/16/2020 | Yes |
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| We refinanced our home a few years ago with XXXX XXXX. Eventually, our loan was purchased by a debt collection company, Lakeview Loan Servicing , LLC, based out of XXXX XXXX, VA. Because our loan isn't serviced by a major bank, nor is it one of the types of loans specified as eligible for deferments during the pandemic, Lakeview is only offering forbearance plans. On XX/XX/XXXX of this year, I phoned their customer service and asked if I could learn more about the forbearance plans they offered. I confirmed I wasn't asking to enter one of the plans at that time. I merely wanted to talk to someone about them. I was told I would hear back from someone in their mitigation department within 5-7 business days. No one ever called, or attempted to call, according to my phone log. I have auto-draft, so the mortgage payment is normally taken out of my bank account on the 1st day of each month. In XXXX, no auto-draft took place. When I called Lakeview on XX/XX/XXXX, I asked what was going on. They informed me THEY had disconnected the auto-pay and placed me in a forbearance plan. I told them I had never agreed to either of their actions, nor had I ever heard back from anyone when I had inquired about it. They checked their logs and admitted this was true ( my wife and I recorded this phone call ). In the XX/XX/XXXX call, I asked that they reinstate the auto-draft. They said they would, and that the payment should be taken out on the XXXX or XXXX ( the date I wrote this ). Today, XX/XX/XXXX, I went to their website and it indicated auto-draft was never reinstated, so I manually made a payment on the site so we would be current for XXXX. In reading comments about Lakeview, their forbearance plans are such that if, say you didn't pay for 6 months because of loss of work due to the pandemic, you would owe the entire amount for those 6 months once that period is up. In light of current circumstances, many people will struggle to keep their mortgages current one month at a time, and very likely won't have the total of 6 months ' worth of payments when that period is up. When people can't pay at the end of the forbearance plan, their credit scores are trashed and their homes likely will go into foreclosure anyway. There are still homeowners who do not have the protection of deferred payments, either because of their type of loan, or which outlet is servicing it. Lakeview isn't required to offer deferments, so they aren't. Instead, they are placing people into forbearance plans that will often cost them their homes anyway. On top of that, in my case, they did so without my knowledge or permission. They appear to be a predatory debt collector, and I would like them warned, investigated and sited. Doing business in California is a privilege. Doing it honorably is an obligation. | ||||||
| 01/01/2023 | Yes |
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| I have a government-backed FHA loan and believe that I have been unlawfully denied a XXXX Forbearance and/or Modification from my loan servicer, Lakeview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX I have serious fraud concerns regarding my mortgage servicer, Lakeview Loan Servicing , LLC., and how they have continued to bill me for past due late charges and additional unpaid fees in the amount of {$3800.00}, while the Homeowners Assistance Fund Program have been negotiating with their Loss Mitigation Department XXXX determining the amount of XXXX XXXX XXXX funds needed to satisfy my mortgage arrears and late fees. I feel these additional charges and fees in the amount of {$3800.00} are bogus and inaccurate. After contacting my mortgage servicer and the XXXX XXXX customer service department, I was assured that I would not be responsible for any accrued late fees or charges while my application was in the active process status. Lakeview Loan Servicing , LLC has currently billed me each month for additional accrued late fees and other unknown charges, while the XXXX XXXX was actively processing my application. All arrears, unknown alleged charges, and fees have been satisfied through the XXXX XXXX XXXX. I spoke with XXXX from Lakeview Loan Servicing , LLC on or about XX/XX/2022, regarding my concerns with the inconsistent fee overages added to my mortgage. She indicated that there was a possibility that the fees could be corporate fees, which implied that I, as the homeowner was not made aware are of such a fee. She informed me that she would fact check and research the matter and contact me back in a timely fashion. To date, I have not heard from her or anyone from the mortgage servicer. Summary XXXX XXXX Award Assistance : XXXX ). I initially applied and was approved for the Homeowners Assistance Funding Program on or about XX/XX/2022, to assist me with mortgage arrears where XXXX caused my financial hardship. I received an Award Summary amount of {$31000.00} from the XXXX XXXX program, which was the amount agreed upon to bring my mortgage arrears, late fees, and other charges current. XXXX ). I requested and received an additional 6 months of mortgage assistance from the XXXX XXXX program on or around XXXX of XXXX, because of my ongoing XXXX financial burdens and was approved for an Award amount of {$5300.00}. This funding was received by Lakeview Loan Servicing , LLC on XX/XX/2022, which should have satisfied any outstanding arrears, and current monthly mortgage payments. I am requesting that this matter regarding Lakeview Loan Servicing LLCs shady business practices, be thoroughly investigated by your office. I feel they have certainly taken advantage of the XXXX XXXX XXXX program, which has greatly aided me during these financially burdensome times. | ||||||
| 06/07/2020 | Yes |
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| To Whom It May Concern I first contacted Lakeview Loan regarding an escrow refund to borrow for the amount of {$1800.00} on XX/XX/XXXX. I contacted the company at the beginning of XXXX and inquired about why I received the escrow refund. The main purpose of my call was regarding an insurance payment {$1000.00}. When I signed paperwork for my home I never consented to this company paying for my insurance. It was told to me during that call that this company paid my insurance. Because of this, my escrow account was in the negative - {$350.00}. The insurance rejected this payment from this company and the company paid it again. The dates they ran the payment to insurance was : XX/XX/XXXX {$1000.00} They paid insurance on this date XXXX $ XXXX insurance kicked back this payment XX/XX/XXXX {$1000.00} They paid this again I cashed my escrow refund due to the agent who I spoke to telling me that it was okay to do so. In XXXX I received a letter stating I needed to pay a shortage in my escrow account of {$1300.00}. and that my {$1600.00} a month payment would now be increased to {$1800.00} even if I payed the shortage amount. I contacted the company on XX/XX/XXXX XXXX and spoke to XXXX. He said the company made a mistake during the escrow analysis update and never should have sent out a refund check. He stated he was putting in a work order to have this fixed and that my payment should remain XXXX. He told me the company would contact me. After not hearing from them I contacted again XX/XX/XXXX and for two hours was sent to three different people XXXX, XXXX and finally a manager XXXX. They all reviewed file notes and agreed that this was an error on the company 's side. She told me that because the shortage was cause by the loan company paying the insurance. She verified that there was nothing stating in my mortgage file that they were suppose to do this. XXXX stated to contact customer service via email that day and ask that they remove any further home owner insurance payments and by Tues XX/XX/XXXX my payment should go back to XXXX and not be {$1800.00}. She stated I would also not be responsible for paying the {$1300.00} shortage. I emailed them exactly as she advised that day. I emailed a second email XX/XX/XXXX a week later and a third email XX/XX/XXXX. My payment has not changed and no one from the company has contacted me at all over the last month and a half regarding this issue. I asked XXXX if I should just make my normal monthly mortgage payment and she said no not until this is resolved. That there is a 10 day grace period. This company has been horrible to work with. The lack of communication and wait time is ridiculous. The fact that their employees have acknowledged company errors and no one will correct them in a timely manner is unacceptable. | ||||||
| 11/14/2019 | Yes |
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| I want to complain about XXXX XXXX XXXX, servicing by XXXX. This company gives an extremely hard time to customers in order to remove PMI. I bought my house in XX/XX/XXXX, by paying 10 % down payment and paying {$100.00} PMI ( mortgage insurance ) each month. In my loan document, it says I could pre-pay more principal anytime to make the loan amount < 80 % of the house purchase price and remove PMI. However, from early this year around XXXX XXXX, I contacted XXXX to ask about how to do pre-payment of principal and remove PMI but I was told I was not allowed to pre-pay any principal and remove PMI in the first two years! In the summer around XXXX, I called and got the same answer. However, my loan document has NO such rules. Finally, XX/XX/XXXX, I found out I COULD pre-pay more principal on the online account and my loan to house value ratio became around 79 %. Immediately I requested online to remove my PMI. Later I called their insurance division and was told it would take them at least 30 days to review my request but later was told they were sure I could not remove PMI because of some government rules but they refused to tell me. On XX/XX/XXXX, I found on the online account, it wrote : " The Homeowners Protection of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. If you do not request cancellation, and you are current on your loan payments, then PMI will terminate automatically : On the date the principal balance of your loan is first scheduled to reach 78 % of the original property value. '' I immediately paid more principal to make the ratio of loan to house price to 77.2 %. However, till now ( 2 weeks later ), the online payment still shows I need to continue to pay the PMI! Finally I reached their " real '' customer service to tell me what happened about PMI. I was told my loan to value ratio was fine now. However, I had to send them a check to pay a fee ( {$100.00} or more depending on the market price ) for a new quick appraisal on my house to make sure my house value did not drop!!! Think about how long they want to waste my time to drop PMI!! I will have to mail them a check to pay this appraisal, then they let me schedule the third party to come to do the appraisal which might take another 2 to 4 weeks. After they receive the appraisal report, it will take them another 30 days to remove PMI if they finally say yes. So in total, it will take at least 2 months in order to let me pay the appraisal and remove PMI. At the same time, they continue to charge me PMI!!! I have never heard any other loan company to give customers such a hard time to remove PMI with all the lies and delaying the process. This is illegal to keep pushing me to pay PMI. Crazy experience. | ||||||
| 07/03/2023 | Yes |
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Web | Servicemember |
| Today I am being charged an escrow shortage of over {$2400.00} despite my best efforts to work with XXXX XXXX ( my mortgage servicer ). I have argued with them for the flood insurance that I have paid out of pocket since. Additionally, the lender placed insurance coverage, despite holding flood insurance that we paid for out of pocket and have provided the documents to them in XXXX of XXXX valid through XXXX, they have again reinstated double flood insurance coverage costing over {$1200.00} from one of their insurance subsidiaries and again failed to provide us with any documentation regarding this coverage. This started on XX/XX/XXXX, I was notified that my mortgage was sold to XXXX, who also owns an insurance subsidiary XXXX XXXX, and that the mortgage is now serviced by XXXX XXXX. In XX/XX/XXXX, I was informed that I had inadequate insurance on my property and that flood insurance had been obtained for me. I did and do have adequate insurance through my providers, so I uploaded documentation of my coverages to XXXX XXXX and spoke with them on the phone. On XX/XX/XXXX I received a notice that I was having my mortgage increased to {$2600.00}, ( from {$2400.00} creating a hardship for me ) and that there was an escrow shortfall. I repeatedly contacted XXXX, and uploaded my insurance coverages. I again informed them I had insurance coverage and request that they lift the coverage they were now charging me for without my consent. On XX/XX/XXXX I received another notice, this time about the master insurance policy on the condo project itself. I forwarded them the information on my management company and the insurance provider. XX/XX/XXXX, a letter arrived in the mail that additional flood insurance had been placed on my property followed on XX/XX/XXXX, by another letter notifying me of another escrow shortfall and an increase in my mortgage payment to {$2800.00} ( now up over $ XXXX ). I was now desperate to correct the situation and get my prepaid insurance coverages recognized by XXXX XXXX. I made over 3 phone calls and uploaded documentation repeatedly. Today, XX/XX/XXXX, I am still being charged $ XXXX for my mortgage that was originally XXXX despite holding more than adequate insurance throughout XXXX and into XXXX. Overall, I believe that I have been the target of a predatory lending practices that are attempting to charge me over {$2700.00} in insurance that was I already carrying over the course of 2 years. Today, I continue to be charged for this insurance without any documentation of the coverages provided to me. I believe that XXXX is purchasing mortgages and then processing lender placed insurance through their subsidiary, XXXX XXXX in an attempt to produce greater profits. Please assist/investigate, thank you. | ||||||
| 03/25/2020 | Yes |
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| To Whom It May Concern : I am writing to formally request that our account be corrected to reflect the following : Mortgage Payments : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} This payment should have been {$1600.00}. I enclosed a check for the difference. XX/XX/XXXX {$1600.00} XXXX {$1600.00} XX/XX/XXXX {$1600.00} Escrow Payment : XX/XX/XXXX {$1000.00} ( Misapplied ) As of XX/XX/XXXX, we continue to receive automated calls from your company indicating that we are behind in our mortgage when in fact we are not. The escrow payment made in XXXX was misapplied to our account. I spent close to an hour in XXXX with a very kind and seemingly knowledgeable representative who advised that she was placing a work order to have our account corrected. She also advised that I would receive a call and/or email to confirm the corrections had been made. I never received a call. She advised that I did not need to make double payment in XXXX and that the late fee ( s ) that have been charged would be refunded. None of these things has happened. I tried again this week to resolve the issue via telephone, requesting to speak with a supervisor who essentially hung up on me because she left me on hold for 27 mins and never returned. She was extremely rude and would not allow me to explain why I was frustrated nor the corrections that need to be made. She is the second individual with your company that has been rude and abrupt with me via phone. At this point I would like to file a formal complaint within your company. If these corrections are not made within 15 business days from receipt of this letter, I will also file a complaint with Consumer Financial Protection Bureau. Please note that I have enclosed two statements, one from XXXX Credit Bureau that issues payments to your company each month for our mortgage and one from XXXX XXXX XXXX to show the escrow payment that was made in XXXX of XXXX. If you require more formal documents from these banks please advise and I will personally go into the branch and have them printed out. Lastly, I find it completely disheartening that in XXXX banks/lenders are still bullying hard working American families like us. I routinely pay our mortgage early to ensure that there are no delays with receipt on your end. It seems like we are being punished for early payment. Your company can easily call us to advise we need to pay our mortgage, yet no representative has ever initiated a call to us to state that they want to help resolve our issue. It would seem you count on people not being educated enough to advocate for themselves. Shame on you! Dissatisfied customer, | ||||||
| 05/23/2019 | Yes |
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Web | Older American, Servicemember |
| I am submitting this complaint, because since I've bought my house in XX/XX/XXXX I feel that Lakeview loan services has mishandled my escrow accounts. As a result I've owed almost {$2000.00} in property taxes in XX/XX/XXXX, and XX/XX/XXXX. Each time I was given less than 30 days to pay this amount. In addition my mortgage payments have risen over {$150.00} and may rise as much as {$300.00}. Below is a chronological description of the past 2 years, and the reason why I feel that a complaint is warranted. What you won't see is the supplemental tax that I paid in XX/XX/XXXX which was approximately {$1900.00}. You also wont see the mortgage increase from XX/XX/XXXX 0f approximately {$40.00}. Lakeview loan services sent me a notice that I have an Escrow Surplus/Shortage of {$1900.00}. On a statement that was sent to me I see an escrow shortage of {$300.00} in the month of XX/XX/XXXX. As of XX/XX/XXXX the same statement shows an escrow balance of {$800.00}. In XX/XX/XXXX my insurance will rise from {$740.00} to {$960.00} In XX/XX/XXXX property taxes will become due in the amount of {$3500.00}. Lakeview loan services is telling me I have a escrow shortage of {$1900.00}, and if I pay that shortage my monthly mortgage payment will also rise from {$2200.00} to {$2400.00}. My monthly escrow contribution will then rise from {$550.00} to approximately XXXX. As of XX/XX/XXXX when I make my mortgage payment of {$2400.00}. take from that XXXX for escrow. I will pay {$1900.00} that Lakeview is saying that I must pay to keep my mortgage from going up to {$2500.00}. When I factor in the balance that I can prove on the statement of {$800.00}. All total that will put my escrow balance at {$3300.00}. Out of the {$3300.00} Lakeview loan services will pay my insurance of {$960.00}. My balance will fall to {$2400.00}. My next escrow disbursement will be in XX/XX/XXXX. It will be for property taxes. From my XX/XX/XXXX through XX/XX/XXXX I will make my mortgage payments Each of those months will yield {$670.00} for a total of XXXX. When I total that amount with the {$2400.00} it comes to {$5700.00}. In XX/XX/XXXX Lakeview loan services will disburse {$3500.00} to property taxes on my behalf. from the last paragraph Balance of {$5700.00}. That will then leave a balance of {$2200.00}. From XX/XX/XXXX through XX/XX/XXXX I will continue to make monthly mortgage payments of {$2400.00}, yielding {$670.00} per each of those months. That comes to a total of {$2700.00}. When added to the {$2200.00} mentioned in the last paragraph the total becomes {$4900.00}. The XX/XX/XXXX disbursement to property taxes made on my behave by Lakeview loan services of {$3500.00} that will leave an overage of {$1300.00}. | ||||||
| 10/11/2022 | Yes |
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| this is a follow up from a complaint that I filed 5 months ago. but from an issue 12 months ago. My previous complaint was : I was impacted by Covid pandemic and I began a forbearance plan XX/XX/XXXX to XX/XX/XXXX. Before it ended, I applied for a loan modification in XX/XX/XXXX. I was approved for a loan modification for 3.1 % which would bring my mortgage down from {$2200.00} to {$1700.00}. XXXX also applied for the home assistance fund. They payed {$30000.00} in XX/XX/XXXX brought current and wouldn't allowed me to get a loan modification and that my issue was resolved. They would not allow me to file another pandemic modification so I had to do a normal modification. I sent in 80 plus documents and the pandemic documents needed none. I was denied because of a {$140.00} food stamp. I should have been approved. I have called over 30 times and received 2 call backs. I called HUD and FHA recourse center. I believe XXXX XXXX is obligated in assisting with my loan modification but are unwilling to do so. I can not reach anyone and when I do, they tell me a supervisor will call me back but they never do. It is frustrating to have to deal with this each time you try to call them. ... .within days of me filing this initial complaint, I got a response from lakeview and after a slew of deceitful attempts to INCREASE my interest rate, I was finally to the point I was at XX/XX/XXXX with my approved interest rate and payment. I was once again approved for a modification with 3.125 % and a {$1700.00} payment that was approved XXXX but supposed to start XX/XX/XXXX XXXX middle of XXXX I reached out to lakeview because I did not recieve my mortgage statement and online it was showing a different payment amount. XXXX from XXXX reached out and said that the loans are only bought out a certain day of the month and I will recieve a bill when it is due. I also reached out XXXX to pay my mortgage and was told I could not. it was a waiting game until I got a letter a couple weeks ago saying I was past due on my mortgage. I contacted lakeview and XXXX from XXXX called me mid XXXX and said that I need to pay {$6000.00} ish ( from XXXX, XXXX and XXXX ) before they will even buy out my modification even though I had an executed copy of the agreement from lakeview furthermore, they increased my payment from XXXX to XXXX. I stated that I don't have {$6000.00} since I never received a bill and asked to pay my mortgage numerous times and was told I had to apply for a new modification with the current interest rates of like 7 %. I have been dealing with this for over a year now. they are so so so deceitful and I have caught so many lies that I am uncomfortable committing to work with a deceitful company for an additional 30 years | ||||||
| 06/29/2020 | Yes |
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Web | Older American |
| XX/XX/XXXX Consumer Financial Protection Bureau RE : RESIDENTIAL HOME LOAN # XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear Customer Assistance : This letter is to inform you of unscrupulous and unlawful practices I have against my lender : XXXX XXXX whereby Lakeview Loan Servicing is the subservicer. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. I have two major complaints. Firstly, when I first got the loan, I was told I could make partial payments which I took advantage of during XX/XX/XXXX. Later, I found that this is NOT the case. They do not allow it. Furthermore, I would like you to investigate why they use a usury practice that would seem to be illegalthe fact that they charge {$50.00} a day if the payment has not arrived directly on the first of each month. This is how this company behaves DURING A PANDEMIC!!!! I would have NEVER accepted this loan had I known beforehand that this a lending practice they operate under. This business practice should be scrutinized by your agency!!!! Secondly, knowing that they charge {$50.00} a day after the first, I have to wonder why they delayed processing my payment that was delivered early so it would be processed by the first of XXXX. I sent it on XX/XX/XXXX and it was deposited on XX/XX/XXXX!! It was scheduled to arrive on XX/XX/XXXX, a Friday, according to the post office ( priority mail ). Then in XXXX, I mailed my payment on XX/XX/XXXX ( priority 2 day mail ) and it was deposited on XX/XX/XXXX. So why did it take the XXXX payment 7 full days of {$350.00} extra dollars that they charged to my account? This is a scam in my opinion. I would like to depart from this loan as it is in no ones interest to contribute anything to XXXX XXXX. Please be advised that this activity should be stopped. Let me know if there is anything more you need from me. I am attaching my postal receipts to show the timelines. By the way, I lost my job in XXXX and I am still unemployed. I missed my XXXX payment. I was told due to my circumstances, I could get a Forbearance agreement, which I applied for through their phone system. This month they informed me by phone that my agreement was over at the end of this month ( while the pandemic is still in effect and Shelter in Place is still valid in California ). This what they said after I previously went through their phone system and got approval for an extension for six months. They DO NOT follow their own rules!!! I believe I should be compensated by the loan company for these brazen banking irregularities. Please send me your judgment about this problem I am having with this bank. I would like the six months from now to catch up on my delinquent one month arrears. XXXX XXXX Email : XXXX XXXX | ||||||
| 03/09/2019 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I called the mortgage company ( Lakeview Loan Servicing LLC ) regarding my bill because of a late fee charge and Lakeview Loan Servicing LLC told me that I did not pay the full amount. Lakeview Loan Servicing LLC received {$1700.00} in XX/XX/XXXX for XXXX mortgage payment. I asked Lakeview Loan Servicing LLC if they can apply the amount that I paid to them to my Principal and Interest but they declined, stating that I did not make the full payment. Lakeview Loan Servicing LLC informed me that there was a {$610.00} shortage in my escrow. We could not complete the phone conversation because the phone got disconnected. I called back the next day and told XXXX XXXX XXXX XXXX that I would send a check for the escrow shortage and the escrow shortage was received on XX/XX/XXXX. I called back on XX/XX/XXXX to verify why my XXXX was still not applied. Lakeview Loan Servicing LLC informed me that they did not get the complete payment of {$1700.00}. On XX/XX/XXXX I sent a check of {$500.00} to the escrow account so that it would reduce my monthly payment. I called back on XX/XX/XXXX to verify that Lakeview Loan Servicing LLC received {$500.00}. Lakeview Loan Servicing LLC indicated they received the check but it is still pending. I explained to Lakeview Loan Servicing LLC that I would like my monthly payment to be reduced since I sent an additional {$500.00} to the escrow, but Lakeview Loan Servicing LLC said that it is not possible to apply that to reduce my monthly payment, because according to Federal Law, I am unable to add any more money to my escrow account. I asked Lakeview Loan Servicing LLC to take the balance from the {$500.00} to complete XXXX payment, which is {$250.00}, and refund {$250.00} back to me. They indicated that in order to do that, I have to submit my bank statement to show proof that the money was cleared from my bank. On XX/XX/XXXX I emailed both my bank statement showing the {$500.00} and a copy of the check for {$500.00} that was paid to Lakeview Loan Servicing LLC. I received an automated email response with a ticket number stating that my request has been forwarded to the appropriate department and to use that ticket number for further communication regarding my request. I have called Lakeview Loan Servicing LLC twice today, XXXX, XXXX XXXX. First at XXXX then at XXXX, and I received an automated message of their unavailability. However, Lakeview Loan Servicing LLC 's normal business hours on a weekday is XXXX. It appears that Lakeview Loan Servicing LLC is avoiding my calls. The reason I am contacting you is that I have been trying to fix my mortgage account but I am getting the run around and it is getting very frustrating. | ||||||
| 12/15/2022 | Yes |
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| My mortgage company is Lakeview Loan Servicing , LLC and working with this mortgage company has been a nightmare. It's impossible to speak with a representative, my account is constantly wrong, and when I report these issues to XXXX, they report my account to the Credit agencies. My credit is not high enough to switch to another provider. My calls with XXXX began in XX/XX/XXXX as I noticed my mortgage payments had quadrupled. I was able to speak with a XXXX Representative in XXXX, who instructed me to contact my countys City Government and request a corrected tax bill. Upon sending the tax bill to XXXX, I could then request an escrow analysis ( theres a credit on our tax account ). Upon updating the escrow, this would change our mortgage statement. I complied and was successful in getting a corrected tax bill from my City Government. I sent emails to XXXX from XXXX - XX/XX/XXXX as well as several letters via the XXXX Postal Service in XX/XX/XXXX to request corrections, so that I could make payments. I have not received any response from XXXX, other than auto-generated emails and incorrect statements, and letters indicating that I moved ( which is odd, as my address has been the same since XXXX ). XXXX has not been responsive in updating my escrow account or my mortgage statements. This is the second time we experienced this issue. The last time was in XXXX. I have called several times only to be on hold for 30 minutes to an hour. I have been transferred only for my call to be dropped or just to be on hold again. XXXX sent someone to my home. However, I did not receive a call or anything to indicate when someone would come to my home. I work outside of my home, and normally, companies provide a window when a representative would visit. A corrected tax bill from my countys CFO - Tax and Revenue office was submitted to XXXX and I requested that XXXX contact my countys government office ( this information was included ), to get a refund for the escrow. I asked that XXXX credit my account and issue a corrected mortgage statement. I sent proof of a corrected tax bill from my Countys office of tax and revenue. I sent instructions on how XXXX should request the refund. I also requested removal of all late fees as well as negative comments on my credit report. Instead, I received an email stating that my address changed ( although I have lived in my home since XXXX ). If they can send the statements to my home, why would it be assumed that my address is different? Working with XXXX has been a nightmare that I wouldnt wish on anyone. I am reporting their practices, because it has been very difficult to communicate with them, receive help, and get answers. | ||||||
| 11/17/2021 | Yes |
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| I filed bankruptcy in XX/XX/XXXX and reaffirmed my home with XXXX XXXX XXXX On Behalf Of Lakeview Loan Servicing , LLC. We just found out that they never updated their system to show the bankruptcy as reaffirmed, they removed the FHA status from the loan in their system. We found this out through the mortgage company that we applied through and was approved for an FHA loan to buy a new home. After spending multiple hours on the phone with them, requesting a payoff that I never received, due to them selling our loan to XXXX XXXX XXXX, as well as with our mortgage officer, who is a HUD underwriter. He informed us the HUD system does not show as as having an FHA loan even though I have a Mortgage paper that says we do. This " oversight '' on Lakeview 's part has placed a hold on our purchasing a new home. They can not /will not help us because they sold our loan to XXXX XXXX XXXX who has not communicated to us at all that they are our new servicer. We have no loan number, only the phone number and address that came to us from Lakeview on the transfer of service notice. We have tried on multiple occasions before the time of XXXX Est to reach this company and the office is always closed, although the IVR states the office hours are from XXXX EST. Today XX/XX/XXXX, at approximately XXXX XXXX, I requested that Lakeview try to reach out to them and the agent told me she got the same message that they were closed. I want this fixed so we can purchase our new home. I honestly feel they have committed fraud by the actions they have taken. Our loan was sold just shortly after I started asking for a payoff, requesting documentation and after I made 2 payments trying to come out of forbearance. I was also informed by the new mortgage agent that he was able to verify Lakeview had archived the loan as if it had not had any activity in 24 months. This is untrue because up until XX/XX/XXXX we were making payments, put the account in Forbearance, extended the forbearance until XX/XX/XXXX, only to find out they extended it another month without our knowledge or consent, and my wife made 2 payments. One at the end of XX/XX/XXXX and one XX/XX/XXXX. All of this constitutes activity on the account with the 24 month time frame in which they say no activity happened. We were also informed by the mortgage agent he shows there are prepayment penalties on this FHA loan. I have attached documentation below referencing the FHA Case # on the note, mortgage and modification in addition to the payment history for the past 24 months. I have also included the Notice of Transfer from Lakeview that includes their address and phone as well as XXXX XXXX XXXX 's contact information. | ||||||
| 03/17/2020 | Yes |
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Web | Older American |
| To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; Lakeview Loan Servicing and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by Lakeview Loan Servicing in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned Lakeview Loan Services. This event took place on XX/XX/XXXX.at XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for Lakeview Loan Services, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from Lakeview Loan Servicing acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. Lakeview Loan Servicing considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by Lakeview, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling Lakeview Loan Services. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to Lakeview with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to Lakeview Loan Servicing have been reported as late. Finally, there was a supervisor representing Lakeview Morgage ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and Lakeview Loan Servicing that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though Lakeview Morgage has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours | ||||||
| 10/01/2021 | Yes |
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Web | Servicemember |
| I first want to state this is the second time I am submitting a complaint here. This company is continuously failing on many levels regarding my mortgage. I would stay away as far as possible. My previous complaint is listed here : XXXX. It appears it's no longer in the database for whatever reason. I feel like I am being gaslit by the promises and continuous failings by this company. I get told conflicting information at every turn. In XXXX, I received a loan modification document with an incorrect interest rate from Lakeview Loan Servicing ( XXXX ). I had a prior agreement with my previous servicer for a loan modification after forbearance with an interest rate of 2.875 %. I gave Lakeview Loan Servicing the modification agreement from my previous servicer, and after a couple weeks, I received a phone call from XXXX XXXX or one of her associates that YES, they would honor that agreement. I would need to wait for the paperwork, but I would be fine. I agreed with those terms, and have been waiting since. Today is XX/XX/XXXX, so it's been more than 60 days. This is where Lakeview Loan Servicing has left me since my last complaint. Since that date, I've spoken to 5 managers at Lakeview Loan Servicing, and every single one of them gives me a different answer as to why my issue is not yet resolved. I was told by XXXX ( User ID FGA ) that he would remove me from the dialer since I am being harassed. I'm still receiving phone calls at least 3 times a week. I can no longer log into their website. I am greeted with a message asking me why I am behind on my mortgage, but I can not select anything to progress. They do not post any documents to the customer page, so I have no way to verify anything I am told by the customer service reps or the supervisors. Today, and almost every day for the last two months, I have been harassed by phone or mail about my loan being past due when I'm unable to make a payment since they will not let me. I can not log in, and was instructed to not attempt a payment until the modification was complete. I never get a straight answer as to why I still do not have the loan modification documents yet, but I am constantly assured that I am still protected. I get answers from the supervisors that " The print team is working on this, but they are backed up with all of the other loans we're processing ''. So why today, do I receive a large packet that was clearly printed by a printer that is completely backlogged? I thought it was finally the corrected loan modification documents, but it was a large packet of you missed your house payment. Do you need financial assistance? This document was dated : XX/XX/XXXX. | ||||||
| 02/11/2021 | Yes |
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Web | Servicemember |
| I'm a XXXX % XXXX Veteran in Florida. I received an Escrow Analysis from Lakeview Loan Servicing , LLC stating an increase of my monthly Escrow payment amount, increasing from {$260.00} to {$330.00}. On XXXX I submitted my Florida Homestead Exemption Approval Letter to Lakeview Loan Servicing. I spoke to a customer service representative on XXXX who told me to call once a week to check the status of removing taxes from my Escrow Account. I called every week. On XXXX another Escrow Analysis was completed but the required Escrow payment was now {$370.00} after removing taxes and which is more than the initial Escrow Analysis conducted on XXXX that included perspective 2021 taxes. On XXXX I spoke to a rep. that told me Im suppose to have a minimum of {$1000.00} Escrow balance and couldn't explain to me why. I told her I'd never heard of that and noone from Lakeview Loan Servicing has ever contacted me nor informed me in any way about that requirement. The rep. transferred me and I finally spoke to a supervisor XXXX who tried to assist me but still gave me the run around and could not explain why Lakeview Loan Servicing is asking for an additional {$1300.00} annually when my land tax was reduced and all of my property taxes were removed. After going round and round I got tired and just sarcastically told her I understood but I didn't understand. I just didn't want to keep going in circles. If my initial Escrow Analysis conducted on XXXX suggested an Escrow payment increase from {$260.00} to {$330.00} based on perspective XX/XX/XXXXtaxes, and now I'm approved for Homestead Tax Exemption, my property taxes are removed, my land tax has been reduced, my CDD/Waste management fees are the same and my Homeowners insurance increased by only {$15.00} a month, what is Lakeview Loan Servicing justification for an extra {$1300.00} annually? Making my Escrow payment without property taxes higher than the initial Escrow payment that included property taxes and higher land tax? My original loan was with XXXX XXXX XXXX. I was unvoluntarily transferred to Lakeview Loan Servicing and NOONE reached out to me to discuss my account in whole. NOONE reached out to me to discuss either Escrow Analysis that where conducted XXXX and XXXX. The only people I got to talk to were customer service reps that only read notes and gave me the run around. This company Lakeview Loan Servicing didn't allow me to talk to the people who are doing the Escrow Analysis and increasing my Escrow which I consider an unfair business practice. I didn't ask this company for a loan, my loan was transferred to them, therefore I should have been contacted during the Escrow Analysis. | ||||||
| 05/08/2021 | Yes |
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Web | Servicemember |
| i am a XXXX veteran and had gotten XXXX XXXX rating about 8 months ago. i am entitled to benifits including waving of fees for a resfinance of my house and property taxes. i also would not have to pay mortgage insurance. i applied for a refinance from my currnet mortgager lakeview loan servicing which handles my loan with loancare. i spoke to a representative named XXXX at lakeview who started y application over the phone i then was contacted by XXXX XXXX in an email and they set up an electronic application never heard or could contact XXXX from lakeview or could ever get a person on their phone system it hangsup on you after entering all your information. I tried to contact XXXX through phone all i got was emails that were frustrating. she would refuse to give me updates and would ask for things i didnt have knowledge of and then would berate me in the emails. It was like she was mad at me for something or didnt want to complete my va loan application i paid for termite report and gave her all documents she requested. i could never get a hold of her or get any answers to my questions. i asked for a supervisor and she never would give me number and their system doesnt allow for clients to file discrimation complaints or even talk to some one. Yesterday after 4 weeks of asking for updates and she would inform me underwriting had the docs she told me they closed the application because i would need to come up with XXXX to close the loan i had agreed to come up with any moneys needed when i spoke to XXXX. she never asked me or told me about the monies before she cancelled my application. I have the money and it apppears she was purposefully trying to keep me from getting loan, I asked her several months in a row not to waste my time if she didnt know how to process a va loan. i believe she discriminated against me because she was mean and nasty in her emails and refused to communicate clearly or would ignore my answers. i have tried to talk to supervisors and she even told me one would contact me and no one ever did. i left messages for XXXX supervisor and XXXX XXXX supervisor and no one has contacted me to even explain what happed. it appears she had not done here job and i am being punished for it by her personally and am asking that someone reivew my application and the process taken i lost my rate guarantee and she said i could reapply with new rate. i would never use this company again for anything unfortunaltyl i do have a choice who serivices my loan and from my research it apperar this compant has many complaints like mine all over. please help me since i am XXXX and have a hard time trying to deal with this situation | ||||||
| 02/03/2023 | Yes |
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| I believe the company I pay my mortgage to, Lakeview Loan Servicing, is in violation of federal law. Lakeview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I called XXXX in XXXX because I saw that my escrow account had a balance of {$1600.00} at the end of XXXX after they had already finished paying my XXXX homeowners insurance and my XXXX XXXX XXXX XXXX XXXX. I asked if any of that would be returned to me. The rep said that the company does an escrow analysis of all accounts in XXXX and should there be an excess, they would issue refund checks. Having not received any refund, I logged in and looked at my account. Their analysis showed that due to a $ XXXX increase in my insurance and my taxes that, actually, instead of a surplus they concluded that I had a shortfall of {$600.00}. And so, rather than increase my monthly payment by, $ XXXX ( the actual amount of my rising insurance premium and property tax ), or rather than a monthly increase of {$50.00} that would cover their own calculated XXXX annual shortfall amount, they are instead increasing my payment by $ XXXX starting on XX/XX/XXXX! Any increase would seem unwarranted as I pointed out that my end-of-year balance was {$1600.00}, more than enough to cover the {$600.00} increase. That made no difference they said. I asked them to explain their bewildering ( to me ) calculations and was told that my minimum escrow cushion is four times the new expected monthly disbursement ( {$560.00} for XXXX ), hence my {$1600.00} surplus was insufficient to cover {$560.00} times 4, or {$2200.00}. This would appear, to me, to be against federal law, which limits the escrow cushion to two months, one-sixth ( 1/6 ) year, of the estimated total annual payments from the account. From the Consumer Financial Protection website : https : //www.consumerfinance.gov/rules-policy/regulations/1024/versions/17/ 1024.17 ( c ) ( 1 ) ( ii ) ( ii ) Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account. However, if a servicer determines through an escrow account analysis that there is a shortage or deficiency, the servicer may require the borrower to pay additional deposits to make up the shortage or eliminate the deficiency, subject to the limitations set forth in 1024.17 ( f ). | ||||||
| 01/23/2024 | Yes |
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Web | Older American, Servicemember |
| My home was originally financed by XXXX. As best as I can make out, they sold it to XXXX. I was instructed, when this happened to submit my payments, online, on their website. I set up an account several years ago, and have been doing this, on time, and often with double payments. On XX/XX/XXXX, I logged in and submitted my payment, to be drafted from my bank, as I always have. I checked after submitting, and their records stated they had received my payment. I then went online on XX/XX/XXXX and made my monthly payment. I checked after submitting, and their records stated they had received my payment from my bank. A few week 's ago, I received a letter stating I had not made my payment in two months and was in danger of foreclosure. After seven calls to XXXX, showing them where I had made my payments, they claimed to never have received it. So, I went to my bank to verify. My bank reported that XXXX had never submitted my request. I performed a direct pay from my bank account to XXXX in approximately the amount of XXXX. I then called XXXX again, checked my account, and it showed the money in the account on XXXX 's site. XXXX continued to say I had not made my payments, while the money was visibly in the account for all to see. After several phone calls, they finally applied the money to my mortgage. Two days later I received a letter saying XXXX had received two insufficient funds notices from my bank and that I was in danger of forclosure. They also said, going forward, I could only submit my payment via certified check or money order through conventional mail, that I was locked out of my account for XXXX months, until I could " prove my reliablity. '' I called my bank. My bank said that was not true, that XXXX never submitted my request. When calling XXXX, the XXXX states they recently were the victims of a XXXX XXXX. When I bring this up to them, and tell them, I have done nothing wrong, they do not acknowledge their mistakes, and are endangering my home. I am feeling incredibly stressed, frightened, and terrified that they are going to try to take my home, and there is nothing I can do about it. My account is currently paid up. My next payment is due on the first, and as noted, I must go to the bank and get a money order, and physically mail my payment to them. From the very start, XXXX has had a very unreliable web site. Its behavior is very unpredictable. They simply will not acknowledge their company 's mistakes, and are victimizing, then blaming the victim for their failure. I am at a loss. I don't know where else to turn. I deeply need your assistance. Many Thanks, XXXX XXXX XXXX | ||||||
| 02/07/2020 | Yes |
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Web | Servicemember |
| Our home was scheduled to be sold in a foreclosure sale on XX/XX/2020. I received a call from XXXX, who works in the Loss Litigation department of Lakeview XXXX on XX/XX/2020 at XXXX and she informed me that Lakeview XXXX was going to modify my loan to prevent our foreclosure. This loan modification would lower our mortgage payment and the past due amount of approximately {$25000.00} would be added to the end of the loan. XXXX requested me to complete a loan application and send her my bank statement, check stubs, award letters, child support verification, etc by Monday, XX/XX/2020. Attached is the email XXXX sent me on XXXX XXXX. On Monday, XX/XX/2020, I emailed the completed loan application along with the documents requested. See attachment. On XX/XX/2020, I contacted XXXX to verify if she received my loan application and documents, and she stated that she would put those documents into her supervisor, XXXX XXXX ( Loss Litigation Loan Processor ) inbox. XXXX told me that she was going to expedite the loan modification process since we were only a few days away from the foreclosure sale. She also instructed me to call back on Friday, XX/XX/2020 and verify that XXXX had everything they needed from me. When I called back on Friday, XX/XX/2020 XXXX told me she never received my documents. I reminded XXXX that we had a call on Monday XX/XX/2020 where she stated she received my documents. I was on the phone with XXXX for 2 hours trying to get this straightened out. XXXX found the documents and said that everything was good to go. At the end of the call, XXXX told me that she had good news. She stated that " I am taking your house out of auction so that it can't be sold ''. On XX/XX/2020 XXXX called and stated that she was missing a few more documents and that her supervisor XXXX XXXX would send me an email regarding the missing items. Attached is the email from XXXX. I asked XXXX if I needed to send these documents right now or could I send them when I got off work. XXXX stated that I could send them when I got off. On XX/XX/2020, I emailed XXXX the documents she requested. See attached email. I called the Loss Litigation department four times on XX/XX/2020 trying to verify if the documents were received. I was unable to talk with XXXX, but the customer service representative assured me that if I sent the documents to the email address provided, that everything would be ok. On XX/XX/2020 at XXXX, XXXX called and said " This is the worst call I've ever had to make. Your house was sold. I'm sorry. The house is sold. A third party bought the house and it was a cash offer. You need to contact the attorney '' | ||||||
| 05/13/2021 | Yes |
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Web | Servicemember |
| I am active duty military and purchased my new construction home in XX/XX/XXXX. Lakeview XXXX serviced the mortgage from XX/XX/XXXX to XX/XX/XXXX. During that time, an associate at Lakeview XXXX contacted me about refinancing and lowering my monthly payments which were {$3200.00} ( {$2500.00} P & I + XXXX escrow ) at the time. I started the refinance process with Lakeview XXXX and noticed that UNIT # had been left off the address and the property tax estimate was wrong. ( Thus, I am being charged/taxed for the ten townhomes on the property instead of the one townhome that I actually purchased and live in. ) I was assured it would corrected at closing. At closing, the address and property tax estimate was still not corrected and I was told it didnt matter because the property tax parcel number was correct and the escrow would be updated. After closing, I noticed the address and property tax estimate still had not changed and my mortgage had jumped from {$3200.00} to {$7300.00} ( {$2400.00} P & I + {$4800.00} escrow ). I began calling Lakeview XXXX to get the address and property tax corrected. I paid the first months mortgage in full thinking it would be corrected. It was not. I continued calling Lakeview XXXX and nothing has changed. My address is still wrong and the property taxes are not correctly estimated more than 4 months later. I have borrowed money to keep my account current but now have less that 20 days to make another payment which has now increased to {$7400.00} effective XXXX! I simply can not pay a miscalculated and grossly inflated escrow amount based on a Lakeview XXXX error that they refuse to acknowledge and correct. I never expected that responding to Lakeview XXXX offer to refinance at a lower rate would end up being the biggest mistake of my life and force me into foreclosure. Now, I am begging, anyone who can, to work with me to see that this is an error on Lakeview XXXX part in that their Closer did not analyze the correct property taxes and if the property taxes were properly analyzed, my monthly payment and escrow balance would be adjusted ASAP. I am deeply disappointed in the total lack of customer service I have received from Lakeview XXXX regarding this matter. The result has been been devastating as Lakeview XXXX has sent notices of my potential foreclosure to the Credit Bureau, Veterans Affairs, and my commanding officer, and a Notice of Default and Intent to Accelerate Foreclosure was sent to me on XX/XX/XXXX. Lakeview XXXX has had four months and multiple conversations regarding the facts in this case and has yet shown any willingness to correct this error! | ||||||
| 02/23/2022 | Yes |
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| On XX/XX/XXXX my wife contacted our mortgage servicer ( Lakeview Loan Servicing , LLC ) to cancel our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She was advised by the representative XXXX XXXX ) that we would receive a confirmation in the mail within 30 days ( by law ). By XX/XX/XXXX we still had not heard from the company regarding cancellation. My wife contacted the company on XX/XX/XXXX, at which time the company apologized, promising to remove the XXXX from XX/XX/XXXX escrow ( which they did ), and sent the Notice of Cancellation ( dated XX/XX/XXXX ) through the mail. At issue, are three items that I have been unable to resolve with my servicer : 1. We were charged three ( 3 ) additional times for MIP after we requested cancelation on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX according to our Annual Escrow Account Disclosure Statements. Each disbursement is in the amount of {$340.00}. I have had five ( 5 ) separate conversations with my servicer, always getting one of two responses ... " We will escalate the issue. '' " We have determined there is not a refund due, but we will escalate the issue. '' 2.The servicer took more than the time allowed provided by law to produce the Notice of Cancellation of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX ). 3. At the time we requested our XXXX be cancelled ( XXXX of XXXX ), our loan had already reached 75 % LTV. We have been trying to work with our servicer to have the XXXX balance refunded to us. We have asked for the XXXX balance be refunded, to account for the point at which the loan hit 78 % LTV, and the time we requested the refund. During the last call I had with the servicer ( XX/XX/XXXX ), the escalation agent told me that some FHA loans have to hit a 11 year term before XXXX can be cancelled. I tried explaining that since my loan closed prior to XX/XX/XXXX, I am eligible after five years. I got the same answer ... " We will escalate the issue. '' To recap, and since our servicer is treating the request as two separate issues, we are asking the servicer that two things be done to remedy the situation. First refund the XXXX, along with applicable interest accrued after XX/XX/XXXX. Secondly, refund the XXXX and applicable interest accrued from the moment the loan hit the 78 % LTV mark, and XX/XX/XXXX. Of course, the second issue should render the first moot, but the servicer is treating each concern separately. As previously stated, I have been going back and forth with the servicer since XX/XX/XXXX to try to resolve this. I honestly believe they are prolonging this process in the hopes that we might forget about it. We will not. | ||||||
| 02/22/2020 | Yes |
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| On XX/XX/XXXX, XXXX, on behalf of LakeView Loan Servicing, paid out {$1700.00} to City of XXXX XXXX for our condos Q4 XX/XX/XXXX taxes. XXXX did not have the correct block/lot/qualifier information so that amount was not paid to correct tax account and did not get applied to our condos tax bill. We immediately contacted them about this error, and in the past fifteen months we have called and emailed the XXXX customer support team multiple times but the issue keeps getting closed in their system with no contact and no resolution. When the XX/XX/XXXX tax payment was reported to us by XXXX we called the XXXX support number to report the mistake as well as to inform them that, as per the mortgage documents, the XX/XX/XXXX taxes were to be paid out of closing costs so the full amount needed to be refunded to our escrow account. We were advised to email their support team with the details so they could correct the block/lot/qualifier information in their system and request the refund. We emailed those details on XX/XX/XXXX and did not hear back. We called and emailed a few times in XXXX and early XXXX to ask about status and ensure the tax account information was updated before the XX/XX/XXXX Q1 payment. We were told the case was open and would be resolved before that next tax payment. XX/XX/XXXX Quarter One taxes in the amount of {$1800.00} were paid on XX/XX/XXXX, and were again paid to the wrong tax account. After a couple more phone calls the tax qualifier information was updated in the myLoanCare system, and a refund was requested on XX/XX/XXXX. This was not communicated to us by myLoanCare, we had to contact the City of XXXX XXXX Tax office to find that out. In XX/XX/XXXX XXXX XXXX refunded {$1800.00} ( the amount of the XX/XX/XXXX Q1 payment ), but denied the Q4XX/XX/XXXX refund. XXXX 's support team closed the case as a refund was made, but we were not informed until we called back to ask status. We informed them at that time that there was another payment that needed to be refunded and had the case reopened. Since then we have contacted XXXX support team over thirty times and are constantly informed that the case has been closed since they received a refund. We have reopened the case each time and are informed the tax department will look into it, only to find the case is again closed with no contact. On multiple calls we have requested they provide us any documentation available about the tax payments and their correspondence with XXXX XXXX requesting a refund so we could ask our real estate lawyer to assist providing proof of overpayment to XXXX XXXX, but it has never been sent to us. | ||||||
| 01/08/2020 | Yes |
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| I called my mortgage company XX/XX/XXXX to make a payment as i was having troubles making a payment online through their website. I was told by a representative that i could make a partial payment of my total balance of that month and that i could make the payment difference by XX/XX/XXXX to not receive a 30 day late report on my credit. I attempted to make this payment by the XXXX while on vacation but was unsuccessful again with their online site. I called customer service to make the payment and opted to receive a call back because the automated system said there was wait times were longer then usual. Because ive done this before with this company and have received a calls back, but this time i didn't. I never received a call back for XXXX hours and when i did it was the automated system asking me to call them back. So i did and after going through verification i was told it was after business hours and i would need to call back the next morning which was difficult as I was leaving on a flight that night out of the country. I was not able to call and i was still having trouble making this partial payment of the difference on their website while out of the country so was left with any other choice but to contact upon my return. I called again as soon as i return to the states as i got off my plane before my next connecting flight, and spoke with a representative who was very rude and continued to cut me off as im explaining the situation and after confronting her about raising her voice she yelled and said " I could talk to you however i wanted '' and hung up on me when i requested to speak to a supervisor. I called AGAIN right after this to continue to make the phone payment, and then a representative informed me that partial payment should not have been taken in the first place and that's not how the company operates. I request to speak to a supervisor again in hopes to make my payment and hopefully get some resolve with the credit reporting, and was told i would receive a call back within the hour. I did not receive a call back once again. Upon finally returning home i call again and this representative also confirms that no partial payments should have been taken and that i was given wrong information and i proceed to make the with them as days have gone by of no returned phone calls from supervisors and it is only hurting my chances of fixing my credit further. The representative ensures me that i would get a call back within the hour, and AGAIN this does not happen. I have finally spoken with a supervisor today who was very kind but says they couldn't reverse or update the report. | ||||||
| 01/05/2022 | Yes |
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| This is my second complaint regarding XXXX. The first one was closed out as they responded, however, this remains on-going as they have not RESOVED the matter. I have been attempting to remodify my loan since XXXX 2021. In the early part of the year I was told a number of times I needed to sign a Power of Attorney. This was clearly untrue as I am of sound mind. Eventually this was resolved and I was sent a second set of documents. On XX/XX/XXXX I spoke to a woman named XXXX on the phone. She stated that the last two times paperwork had been sent to me that they had not received Partial Claim/Promissary Note paperwork back, indicating this was the issue. I informed her that this document had never been sent to me and I had copies of all the documents as proof. I informed her that I had every intention of signing this paperwork, wanted it immediately, as I have wanted this resolved since XXXX, 2021. On XX/XX/XXXX she stated new paperwork was being sent out. OnXX/XX/21I still had not received this paperwork and spoke to someone name " T ''. He informed me that the paperwork had again not been ordered or sent. He claimed it would be sent that day. At that time I requested to speak to a supervisor. I spoke to XXXX XXXX who told me he would now be my " case manager, '' and would be handling the resolution of my case. He emailed me and told me I could email him anytime to check the status of my case. XXXX XXXX stopped responding to my emailed after I contacted him twice. Please take note that the customer service reps do not provide their full names and it is impossible to speak to the same person twice. I have contacted customer service through the email portal on loan care and receive a ticket and no follow up is given. I find it difficult to believe your bank is unaware of their poor service as after investigating this, there are reports of this all over the internet. I have included the second and last email response on XX/XX/XXXX, from XXXX below. I was told by XXXX that a mobile notary would be coming to my home with paperwork on XX/XX/21. When I called over a week later, it had not even been sent out until XX/XX/21. I received a call yesterday telling me the paperwork was sent out and asking if I was going to be sending it back. I informed the rep. I did not receive the paperwork! She confirmed the notation regarding the notary and was uncertain if it had actually had been sent out to them yet and said it had to be escalated, yet again, which would take 3-5 days, AGAIN! Nobody ever has an answer, including so called supervisors. As a reminder, this has been on-going since XXXX/21. | ||||||
| 02/17/2022 | Yes |
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| Since XXXX of XXXX, the CARES Act has given forbearance to millions of homeowners. I filled out and faxed in my mortgage forbearance form in XX/XX/XXXX, listed on the myloancare.com website, after getting laid off due to the COVID-19 pandemic. At the beginning of XX/XX/XXXX, I received a notification that XXXX marked my account as 30 days late. I called and spoke with a representative that informed me that XXXX had not yet processed my paperwork and assured me it would be resolved. I then received paperwork via mail telling me that my 90-day forbearance period had started in XXXX and would be valid through XXXX. However, my XXXX payment was still reported as 30 days late. I called XXXX customer service multiple times until I was finally connected with a supervisor who instructed me to send in my fax cover sheet, proving that I submitted the mortgage forbearance form in XXXX and that LoanCare would correct the report to show the correct forbearance start date. This process turned into a monthly task. My XXXX payment continued to be reported as 30 days late. I would call and speak with supervisors, each of whom instructed me to send in the fax cover sheet and follow their instructions. Yet every month, the account was still reported as 30 days late. By XXXX of XXXX, I was fed up and frustrated with XXXX terrible customer service. Finally, a manager instructed me to make the XXXX payment which initially triggered the 30-day late reporting. He assured me that making the payment would stop the late reporting going forward. Following his advice, I ended up taking a loan from a family member to make the XX/XX/XXXX payment in XX/XX/XXXX. My second forbearance period was 180 days, from XXXX through XX/XX/XXXX. By the time I received my second forbearance, I had already made the original XX/XX/XXXX payment. Several XXXX customer support supervisors I spoke with confirmed that since I had made the XX/XX/XXXX payment before the start of the second forbearance period in XXXX, my account would be considered current. Yet again, I continued to receive notifications that my account was reported as 30 days late. I had another forbearance through the end of XX/XX/XXXX, when I finally went back to work. I went back and made all the payments missed in XXXX and am now considered to be current on my loan payments. However, this hasnt solved the issue. This inaccurate reporting has destroyed my credit score and caused undue emotional stress. Multiply credit lines have been decreased to XXXX reporting error. I am unable to refinance my loan due to this error, which has cost me thousands of dollars. | ||||||
| 08/20/2021 | Yes |
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Web | Older American |
| I was with another company back in XXXX 2021 and Lakeview refused to send my pay-off for months so I could close my loan. When they finally sent it my loan lock was no longer valid and they stated I must start over with a higher rate and more money to close my loan. They send me a pay-off in XXXX and back dated it to XXXX claiming it was sent when I never received it and continue to contact them. Then Lakeview sent me a notice that they would do my refinance and I completed the application for them to do it at the reduce rate. I elected to select my own attorney on my disclosures. I understand there was a delay because the other loan officer left the company and it took a week to get my case number transferred. Than XXXX XXXX from Lakeview gave the wrong information and my case was transferred somewhere else for a timely close. Than it took them a week to transfer an case number that was internal to their company " LAKEVIEW '' for my file to be sent to underwriting when it takes 5 minutes to go to FHA connection to get the case number properly assigned. I applied for a loan with Lakeview Loan Servicing in XX/XX/2021 and they pushed me around and never did my application until XX/XX/2021. They have transferred my loan to XXXX different loan Officers and XXXX different processor. Each time I keep getting a different story about the status of my loan. This is a simply FHA steam line refinance without income or appraisal. I asked them to lock my loan at the 2.875 % and because of their delays they are going to try and make an attempt to make me pay for lock extension. Now, the PROCESSOR not the underwriter is refusing to submit my loan to underwriting claiming it's a requirement that I pay my XX/XX/2021 payment or they will not submit my loan. THAT IS NOT A REQUIREMENT OF FHA PERIOD! I am a XXXX female and they have continually discriminated against me and violated my rights. I selected that I wanted my own closing attorney on my application and the processing company Lakeview used decided to that they would put my loan with a sister title company that they have relationship which violated my rights as a consumers to pick my own closing attorney. NOW, they continue to violate my rights and refuse to send my file to underwriting. My loan is not 30 days delinquent and when I pay that payment is none of their business as long as I'm not 30 days delinquent and It is not a requirement to refuse to send my file to underwriting. Because I told them they violated my rights to pick my own attorney, they have been doing every thing that they can to Sabotage my mortgage loan refinance. | ||||||
| 05/14/2019 | Yes |
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| I used the HERO Program to have XXXX and new windows installed in my XXXX home in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( windows ), respectively. My total financed was {$18000.00} for 10 years. A yearly total of {$2600.00} was added to my property tax with XXXX XXXX County tax assessors ( totaling an additional $ XXXX/mo ) and is to be paid through my escrow account through my lender, Lakeview Loan Servicing , LLC ( also known as XXXX ). As I have an FHA loan on my home, I am required to pay my property taxes, PMI and homeowner 's insurance through an escrow account. On XX/XX/XXXX, Lakeview sent me an annual escrow account disclosure statement identifying that I am required to either pay an additional {$440.00} per month ( totaling $ XXXX/year ) or pay a one-time shortage payment of {$3000.00} ( due by XX/XX/XXXX ) and also pay an additional {$190.00} per month ( an additional $ XXXX/year ) totaling $ XXXX/year. I called Lakeview to get an explanation as to why they are requiring me to pay almost double the HERO payment and was not provided a reasonable explanation. I was told the reason XXXX is charging me {$5300.00} to pay HERO amount of {$2600.00} is that they have three different departments completing complex calculations to determine what the lender requires in my escrow account. That was the explanation for Lakeview requesting an additional {$2600.00} from me. I can not afford that.The reason I did HERO was because it provided me a tax credit that helped offset my tax liabilities as a single woman, with no children living in one of the most expensive areas of the most expensive states in the Country. I can not afford a $ XXXX/mo increase on an FHA loan. I could barely afford the {$220.00} - but since my old windows didn't lock and summer gets 109 in my area, I felt it necessary. Why is Lakeview legally allowed to charge me double the amount of the HERO Program loan?? This is federally backed program and participants should be able to participate without a predatory mortgage lender using it to double payments. Especially with an FHA loan. Lakeview KNOWS I am required to pay my taxes through an escrow account. They know I am trapped and that is why they are doing this. My only options are to borrow money ( somehow? ) to pay off HERO and then have to re-fi my home to pay off borrowed money, losing my HERO tax credit in process and my FHA interest rate or lose my house altogether since I now can not afford the payment. I believe Lakeview needs to be looked into for predatory practices. I also would like to note that Lakeview bought my mortgage - I did not CHOSE this company. | ||||||
| 06/17/2021 | Yes |
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| to whom this may Concern : On XX/XX/XXXX I spent XXXX hours and 34 minutes on the phone with Lakeview Loan Servicing sub servicer is Loan care, the reason for my call to them was two fold first we are currently in the first leg of the 2 sequential 90 day forbearance extension however on XX/XX/XXXX we were fully approved and enrolled in the second leg extending until XX/XX/XXXX, then after this approval they are still sending email Notices that our forbearance plan is expiring on XX/XX/XXXX this notice came in to my email on XX/XX/XXXX 6 days after our new extension approval came in stating we are fully approved for the extended forbearance until XX/XX/XXXX, this is categorically stressful as it inherently creates unnecessary confusion as to our fha mortgage status, this needs to be resolved,. then our second and more egregious issue is that as of XX/XX/XXXX they are claiming that they " changed their web site and payment systems and now are forbidding any Covid 19 Fha forbearance borrowers from accessing the payment portal within their https : //www.myloancare.com/pub/index.html # /Login, they have categorically failed to furnish and material legal or substantive reasoning for this unconscionable decision preventing us from making a repayment under the plan under which by their very own actual written verbiage on their website where they state as follows : " while you are not required to make payments during the forbearance plan, any amount that you can pay while your loan is in forbearance will help reduce the amount you owe after your forbearance plan expires then at the very bottom of this exact approval notice it then details how we can go online into our mortgage account and make the forbearance plan repayments within our account, however as I have stated Loan care is forbidding all covid 19 forbearance borrowers from making online payments within their respective mortgage accounts in loancares ' website this is simply abhorrent, morally defective, and unconscionable and must be stopped and the CFPB go in and enforce loan care to begin to allow fha covid 19 borrowers to make partial repayment plan payments again online [ PLEASE NOTE THAT SINCE XX/XX/XXXX WE HAVE BEEN MAKING PARTIAL PAYMENTS ALL THE WHILE BEING IN FORBEARANCE ] please find attachments showing the contradicting notices showing 2nd forbearance extension granted on XX/XX/XXXX then contradicting notice on XX/XX/XXXX stating that our forbearance is expiring XX/XX/XXXX My personal information as follows : XXXX XXXX XXXX XXXX XXXX XXXX New jersey XXXX mortgaged premises loan care mortgage account # XXXX | ||||||
| 07/16/2019 | Yes |
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Web | Servicemember |
| . I have been back and forth with the bankruptcy department to look into these matters on numerous occasions and it seems like things are still not fixed. In XX/XX/2019 I received a statement showing my escrow account was negative and my payment was going to increase to {$1800.00}. I contacted this department and after 2 weeks, making a CFPB complaint and making several attempts to correct the issued, it was resolved and discovered there was an error on my escrow alaysis so an off cycle was requested. My monthly mortgage payment was fixed and back to {$1300.00}. I have now been sending in {$1300.00} as accepted through two representatives with that amount. Below is a statement from LakeView who sent me showing my payment due date, amount past due and current charges on the loan and showing the date these withdraws have been completed. I should only be showing due for XX/XX/XXXX payment due in the amount of {$1300.00} plus late charges and fees. I have spoken with two representatives who were extremely rude, and talked down to me and refused to walk me through what they were saying. They stated its not their job to walk me through anything and the account is behind. One rep actually argued with me the entire time on the phone. One by the name of XXXX who actually was the one who incorrectly escrowed my account and refused to look into it then it the same one REFUSING to look at my payment history. I have been placed on hold and basically shown that I dont matter as a consumer and that there is no care in the world. Ive asked to speak with managers multiple times and they stated they didnt know when they could talk and that they had things they were doing and would get back to me whenever they felt like it. I am now requesting this in writing as what was mentioned that I need a pay history, and updated explanation on why its showing Im due for XXXX and why my payments are not being applied to my mortgage corrected if this is my statement received. Please look at the documents below proving Ive made my payments and the dates they were made and this statement. My bankruptcy cases is going to be discharged and I need this corrected so I can reaffirm my mortgage. This servicer refuses to work with customers in bankruptcy and has NO indication of my payment amount that theyve been accepting. Now that I want to reaffirm my mortgage they all of a sudden say Im three months passed due, even though the statement is showing otherwise. This servicer should not be allowed to be working with loans. After hours on hold, being talked down to and mislead nothing has been resolved. | ||||||
| 06/09/2020 | Yes |
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Web | Older American |
| My Mortgage was sold to Lakeview Loancare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. In XXXX I declared Bankruptcy but I reaffirmed the mortgage debt and never missed a payment. I have the bank records to show I paid the mortgage every month and Lakeview received and cashed the checks. Still they did not record the payments and showed a overview debt of {$840.00}. I called them but never could get an answer as to why they did not credit my payments. Then I was told they had a special dept. to check into payments so I mailed them copies of the checks from the month they claimed were missed. I also emailed copies of the bank statements which noone ever acknowledged either the payments or receipt of the bank statements.Also this company was not sending bills on a regular basis and since I could not speak to anyone there was confusion as to due date. This was long before covid made all companies unreachable and every month no matter what I paid no payment was ever acknowledged nor could I ever get a person to speak to. It was an automated answer which told you to call another no. which was an automated answer for a case worker who altho I left messages and my name and number never answered me in almost two years. I finally called XXXX XXXX firm in XXXX and We tried to reach them by phone with both of us on the line but could not reach a living person only recorded messages. The only way XXXX. XXXX could reach them was by getting in touch with a lawyer who represented them at one time. He said the date due was the XXXX but it had originally had been on the first and there is no way to know when they changed the date. Since them I have still paid every month and I have asked to have the due date changed to the XXXX XXXX of the month. But I have received no acknowledgement of payments made. I sent in two checks for {$600.00} each month for XXXX and XXXX and {$420.00} for XXXX. My payment is {$390.00} a month but there is no credit shown for those payments altho they cashed the checks and I have paid every single month since and including XX/XX/XXXX. Every bill shows XXXX. By refusing to credit my payments this company makes sure I can not refinance my loan and I am stick with their refusal to credit my payments. They also damage the credit I am trying so hard to reestablish since my bankruptcy. This company has not shown good faith in dealing with me and it is over 2 years that they've been refusing to acknowledge my payment. I believe they are attempting to put me in a position that they can forclose on my condo. Covid or not they have no business handling mortgages. | ||||||
| 03/24/2021 | Yes |
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| On XX/XX/XXXX, I reached out to Lakeview Loan Servicing , LLC to request a streamline refinance loan. I spoke to XXXX XXXX. At XXXX CST XXXX followed up via email with the application to complete the streamline refinance process. On XX/XX/XXXX the requested documents were uploaded to the portal we were assigned. On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX was assigned as a loan processor. XXXX XXXX reached out via email XX/XX/XXXX at XXXX CST introducing herself and mentioned she is working with XXXX XXXX XXXX She asked for a new utility bill stating the bill I uploaded did not have the correct address. This was incorrect as I have proof of the original water utility bill I uploaded into their portal is my utility bill for my address. I called her that afternoon and was unable to reach her so I spoke with her colleague who looked up the utility bill and stated " this bill is correct and does match your address '' the lady said she took notes on the account. I called back in after hanging up with XXXX 's colleague and left a voicemail for her. Since XX/XX/XXXX until XX/XX/XXXX we have not heard from XXXX XXXX, XXXX XXXX nor anyone from the company on our status of our closing. Throughout this timeframe, I called multiple times as well as my wife from her phone and never have been connected to XXXX XXXX but were connected to others in the organization who's response was they are not assigned to our loan so they can not help us but they took our information and said they would have XXXX XXXX or her manager reach out to us. No response. Also, multiple emails were sent from my wife 's email and mine to XXXX XXXX with no response. On XX/XX/XXXX, my wife finally got in touch with XXXX XXXX who tried to apologize and stated the utility bill that we uploaded was correct and valid, he recommended uploading the latest utility bill since it had been 30 days already, which my wife uploaded to the portal while on the phone with XXXX XXXX. XXXX then stated he was going to make three phone calls and call us back in a few minutes. Since that conversation, I have not received any communications phone nor email from anyone. Today, XX/XX/XXXX I've called XXXX XXXX 4 times, spoke to his collegeue who gave me XXXX 's managers contact information XXXX XXXX who I called twice and left 1 voicemail. I also emailed XXXX XXXX XX/XX/XXXX as well. This is not only irritating but is causing me to continue to pay a higher interest rate due to their inability to pick up a phone or communicate with their client. I continue to pay my mortgage on time and have never been late. | ||||||
| 08/07/2020 | Yes |
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Web | Servicemember |
| We purchased a home in XX/XX/XXXX. The mortgage company was Lakeview Loan Servicing , LLC ( subservicing by XXXX ). We later refinanced with the same company to get a lower interest rate. We signed all the closed on XX/XX/XXXX, and began paying on our newly refinanced mortgage shortly thereafter. After several issues with billing ( incorrect amounts, unexplained late fees, misapplied escrow funds ), we decided to refinance with a completely different company just to get away from Lakeview/XXXX. We started that process in early XX/XX/XXXX. During the application, my new lender informed me there was no Record Release filed when the other loan closed on XX/XX/XXXX. It was suspected Lakeview/XXXX did not file the paperwork properly. This meant we could not continue with the refinancing until that document was filed. I called Lakeview/XXXX on XX/XX/XXXX, to request a copy. I was given an internal email address and told to expect a response within 24 hours. I immediately emailed them and received an automated response with a ticket number. waited 48 hours with no response. I emailed them for a follow up. I received another automated response with a different ticket number. I called Lakeview/XXXX on XX/XX/XXXX, to get an update. They had no record of my emails. They said they had the file, would make an investigation request, then get back to me within 3 business days. After 5 business days with no response, I called again and requested a supervisor. The supervisor said there was no indication that Lakeview/XXXX " sent the paperwork and the check to the county. '' So, technically, the loan was never properly closed by Lakeview/XXXX back in XX/XX/XXXX. They said they would investigate and close it by XX/XX/XXXX. It was supposed to be filed no later than 60 days after signatures. That created a big problem for us because the rate lock for our refinance expires on XX/XX/XXXX. If the new mortgage company does not receive all the paperwork by XX/XX/XXXX, we will have to pay to get the rate lock extended, because Lakeview/XXXX failed to comply with the law and file the necessary paperwork and fees within 60 days of signature. We believe they should be held accountable for non-compliance with the 60 day filing rule and they should also be responsible for any extension fees we have to pay to extend our rate lock. We highly believe that, had we not decided to refinance with another company, Lakeview/XXXX still would not have processed the required documents and it would have been a complete mess when we decide to sell this property in the future. | ||||||
| 02/15/2023 | Yes |
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| I want to complain about Lakeview Loan Servicing LLC, servicing by XXXX ( again ). I filed the complaint them in XXXX after they gave me an extremely hard time to customers in order to remove PMI and then solved the problem immediately. This time, again, they gave me an extremely hard time to remove the escrow account for another loan that I refinanced with them in XX/XX/XXXX. In XX/XX/XXXX, they rejected my escrow removal request using the reason as " The investor requires that you maintain an escrow account on your loan that was closed under a Texas Equity Section 50 ( a ) ( 6 ) Mortgage program. '' I did not really understand what it meant and just let it go. Recently I wanted to remove the escrow again because I had been very troubled by these escrow accounts to automatically pay off my home insurance renewal while I had already chose to use a different insurance. I had to go back and forth to get refund from the old insurance company. So to avoid this pain in future, I decided to remove the escrow account again. I first tried to send the removal request online but their website showed the message saying my loan LTV was higher than 80 % so that they could not let me remove it. This is totally wrong because my LTV was only 75 % even when I did the refinance. Then I called XXXX. The staff first told me I should not be able to remove the escrow because the Lakeview requires 24 months ' payment instead of 12. Then she saw my denial letter from last year and then claimed I could NEVER remove the escrow account because my loan was a special type under a Texas Equity Section 50 ( a ) ( 6 ) Mortgage program. She claimed this was written in my signed documents when I started the loan. Given my previous experience on how they faked all kinds of excuses for not letting me remove the PMI, I guessed they were doing it again. So I asked the loan agent who did this refinance mortgage for me to check all of the signed documents for this loan. My agent confirmed that my signed document NEVER mentioned " Texas Equity Section 50 ( a ) ( 6 ) Mortgage program '' anywhere. Plus, there was no any sentence to say this loan had any special difference from regular conventional loan. There was no place to ever write that I could not remove the escrow account in any signed documents. I understand their motivation was to get my escrow money for free with XXXX interest to grow their own money. However, what they do to me is simply not ethical. Therefore, I have to seek help again here to let Lakeview remove the escrow accounts for me. Thank you very much! | ||||||
| 09/30/2021 | Yes |
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| Due to the COVID-19 pandemic, I experienced a dramatic cut in employment and income. So I reached out to my Mortgage lender " Lakeview Loan Servicing, '' to apply for forbearance under the CARES Act, due to meeting the qualifications ( i.e. FHA loan etc ) ; this allowed my forbearance to began XX/XX/XXXX. I applied for a 90 day term of forbearance on Lakeview 's website. After being approved, I received a pdf document from Lakeview saying that my " Forbearance Plan has been Approved. '' On this same document, it says that the " term of your forbearance plan will be up to 180 days '' ( although my initial request was only 90 days at first ). Having no improvement in my previously mentioned work and income status, I logged onto the Lakeview Loan Servicing website, to attempt to extend my forbearance ; to use the 180 days. Although the Lakeview website appears to direct you to the previous online process for requesting/extending your forbearance, the actual webpage 's call-to-action button labeled " Extend Term '' when clicked onreally only produces a phone number with the message : " Call Customer Service. To learn more about extending your forbearance plan, please call our Mortgage Assistance team at XXXX. '' Upon calling the Customer Service number to extend to 180 days, multiple times on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I get the same response from the reps : " To extend your forbearance, we have to first review your loan ; we will contact you as soon as we do to let you know our decision '' or " we will escalate the handling of your request and contact you within 3-5 days to let you know our decision after we have reviewed your loan since our notes indicate you called earlier. '' When I ask the customer service reps " What is it that needs to be reviewed regarding my loan, that is taking so long ( more than a month ) to review? '' the responses vary, from being told that I've been " denied, '' to the latest being : " We have it in our notes that you have forbearance but the forbearance code is not showing up in our system, so we need to review it. '' Lakeview diligently communicates with mevia phone and email to let me know that my 90 day forbearance request is coming to an end or ending, but has not been able to contact me onceas they promised regarding my multiple requests to extend/update the status of my forbearance to 180 days, in harmony not only with the CARES Act, but really also with the initial approval letter from them that already indicates that my forbearance term is 180 days. | ||||||
| 01/15/2020 | Yes |
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Web | Older American |
| We got behind on our house payments, because we used HERO to put a roof on our garage, which raised our property taxes by {$2000.00} a year. We did not have an escrow account with our mortgage company to pay for property taxes. We paid them on our own. We didn't realize that the HERO program would have first lien on our property and that they could foreclose if we didn't pay them first, that was not explained to us, which caused us to fall behind on our mortgage. We were forced to file a Chapter XXXX bankruptcy to keep our home. ( We have since paid off that HERO loan ) .That being said, in XX/XX/2017, we changed homeowner 's insurance companies from the The XXXX XXXX to XXXX XXXX. My new insurance agent with XXXX sent Lakeview Loan Servicing, our mortgage company, a letter stating the change. Apparently, in the meantime, The XXXX sent Lakeview a letter stating that our insurance with them was terminated. Around XX/XX/2017, I noticed there was a {$250.00} charge in the escrow section on my mortgage loan with Lakeview. I called Lakeview to find out what that was for and was told it was for homeowners insurance. I told them I had insurance and that my insurance agent notified them of that. She said they didn't have any record of it and had tried to call me several times, but I don't answer calls from numbers I don't know unless they leave a message. No message was ever left. If a message had been left, I would have called right away. The person that was helping me, got the phone number of my agent, she called him, verified that I did have insurance and told me the {$250.00} would be removed and the next monthly statement would reflect it. When I got the following month 's statement, the {$250.00} was still on there, so I again called and the person I talked with, verified that I did have insurance through XXXX and she would make sure the {$250.00} was removed. The next monthly statement came in with the {$250.00} still in place. I called several more times and each time I talked with someone, they verified I had insurance through XXXX and I was assured it would be removed. This has been going on for 2 years now. I spoke with my attorney about it and he wrote a letter to Lakeview and was told it would be removed. It STILL has not been removed. This is affecting my payments with them, making it look like I am behind and I am not! I have never been without homeowners insurance. There has never been a lapse in home owners insurance! They know I have it, yet they refuse to remove it from my escrow account. | ||||||
| 06/25/2020 | Yes |
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Web | Servicemember |
| XX/XX/2020, XXXX XXXX with LakeView Loan XXXX, who our mortgage is currently with along with " LoanCare '', offered a VA loan refinance. We quickly completed the process and a new payment was settled on with a closing set for XX/XX/2020. XXXX XXXX also advised in multiple recorded phone calls on XX/XX/2020 and XX/XX/2020 that we would not have to pay the XXXX Payment and it would be included in the closing that would occur in XX/XX/2020. On XX/XX/XXXX, XXXX XXXX advised that there was a lien with the county on the home unbeknownst to myself. I asked if the deal was dead. XXXX XXXX related that if the lien was immediately paid, proof would only have to be received by XX/XX/2020 and a XX/XX/2020 closing would still be fine. My wife and I dipped into savings and paid off the judgement, overnight a check that day. The lien was released and proof was received the first week of XXXX by Lakeview Loan XXXX. ( I have email proof of this ) I have an email from XXXX XXXX that says if proof of the lien being removed was received in XXXX, the XXXX closing would be fine. In fact XXXX XXXX stated this happens all the time on a phone call. Between XX/XX/2020, when they received proof the lien was cleared, to XX/XX/2020, I received several emails asking for random documentation over and over from 2 different underwriting companies, XXXX and XXXX XXXX XXXX. Sometimes they asked for the same documentation twice..proof of insurance..etc.. But I trusted the process was still fine for a XX/XX/2020 closing. XXXX XXXX said nothing to the contrary..AT ALL. On XX/XX/2020, XXXX XXXX emailed me and said oh by the way, your late on mortgage for XXXX, the VA refinancing is now denied for being late. I WAS FURIOUS. I did everything I was asked to do and XXXX XXXX said we did not have to make the XXXX payment. NOT only that, unbeknownst to me AGAIN, XXXX slyly changed the closing to XX/XX/2020. I had no idea this even occurred. XXXX XXXX then bold faced lied in an email that he never said not make the XXXX payment. This is a lie and the recorded phone calls prove it. His manager, XXXX XXXX then got involved at my request but did absolutely nothing. XXXX XXXX stood the company line and said sorry, cant do refinance now but maybe try again in 6 months after 6 on time payments. I am furious and if I had the money for a lawyer I would sue the pants off this department for lying to a customer and then not fixing the situation due to their vast incompetence. I have all emails and documentation to prove everything within my complaint. | ||||||
| 05/14/2021 | Yes |
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| XXXX loan servicing never sent my refund check in the alotted timeframe the law provides. I have called multiple times over and over and over. I was promised that the payment would be overnighted. It never was. I called back and they gave me a random number, they called a tracking number. XXXX It was not a tracking number. XXXX could not find who the check was sent through. She said maybe USPS, XXXX or XXXX. I searched the tracking number on each service and none of them came up. She then told me she doesn't know if it is an I or an L. She made up a random number for a tracking number and the check was never overnighted or sent out. This happened before where they told me and promised me that it would be overnighted. It came over a week later in the regular mail. This is alot of money. This was my food money for the month. I have had to go to the food bank, who only was able to give me enough food for my daughter. I have not been eating all month because of XXXX XXXX refusing to send my refund. I have lost over XXXX pounds because of this. I am starving! I want to pay my bills! I want to be able to buy my daughter new diapers instead of washing non reusable diapers and reusing them. This is unaaceptable from XXXX, well it's obviously acceptable to XXXX, but not acceptable by my terms. They just transferred me to somoeone in XXXX who barely spoke english and had no clue what was going on. Got another tracking number after that XXXX, which reflects the check was sent 3 day and not overnight. It says it was delivered. It was not. The rep would only tell me to wait for it. Wait for the check that was delivered to the wrong address? So someone else can cash it? This company is unbelievable. I'm currently on the line begging for a new check to be sent out since it shows it was delivered to the wrong address. The guy keeps telling to wait for it to be delivered. He is in the offshore callcenter and has no clue what I am saying. He just keeps repeating the same scripts. Scripts having absolutely nothing to do with what I am saying. Also I can only call in to supervisor lines, when I call customer service the phone tree says my loan is paid off and refuses to let me speak to someone. I tried logging into the website and its making me 2 factor verify, but its not sending me the verification code. So I cant call the call center, I cant access online. How do I do anything except submit a complaint through CFPB. CFPB is the only way that I can get someone at XXXX to even acknowledge me.XXXX XXXX | ||||||
| 12/27/2023 | Yes |
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Web | Older American, Servicemember |
| XXXX XXXX, XXXX and lakeview Credit monitoring to compensate for XXXX, XXXX XXXX, lakeview data breach XXXX XXXX Pw redacted Re-attempt registering Had to call customer service after my acct was deactivated Username variously used as : XXXX XXXXXXXX Then directed to call a number XXXX but when called that required activation code, so then directed to XXXX then obtained the activation code : redacted Then entered above code and prompted for ssn, name, zip code, address, etc and after enteringx2 was unsuccessful with the following screen at end of yellow brick road : How many homeowners were impacted in the incident? Based on our investigation to date, roughly XXXX XXXX homeowners, representing former and current customers and co-borrowers, had personal information contained in the files that were affected by this incident. Never recd letter for most recent incident or one from XXXX How will I be notified if my data was impacted? You will receive a letter with details about any data of yours that was involved, along with resources you can use to protect your personal information, such as free XXXX identity protection and credit monitoring services. In the meantime, if you have questions about this incident or identity protection services, call the XXXX XXXXXXXX XXXX Incident Response Line, supported by XXXX at XXXX. Why did it take so long to determine if my information was impacted? Investigations like this take time. We initiated response protocols immediately, which included a detailed review to determine exactly which data had been compromised. These reviews can be time consuming in order to ensure they are completely accurate and thorough. We appreciate your patience during this process. Have more questions? Call the XXXX XXXX XXXX Incident Response Line, supported by XXXX. Monday through Friday XXXXXXXX XXXX XXXX XXXX XXXX. ET This is an example of a company that is not deserving of the responsibility for handling private personal and confidential information of consumers and then the actions they have taken AFTER the 2nd data breach in 2 years. I never even received notice of the data breach. My account was deactivated and there were time consuming hours spent navigating all the recovery methods and trying to get credit monitoring services -- -none of the systems which appear to facilitate this process actually work and all the myriad support lines are of no assistance. it appears they have no place in the real market place and have absolutely no respect for consumers | ||||||
| 10/25/2023 | Yes |
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Web | Servicemember |
| Starting XX/XX/2023 my loan was transferred from XXXX XXXX to Lakeview Loan Servicing , LLC. Prior to the transfer I had been receiving regular correspondence and statements from XXXX XXXX. After the transfer, Lakeview began sending correspondence to a wrong mailing address. Due to this error on the part of Lakeview, I was not notified of my new loan servicer, that my automatic payments had been interrupted, or where to send my mortgage payments. As a result of this, I was not aware that I had a new loan servicer or loan payments were not being processed until XX/XX/2023 when I received a notification that my credit score had decreased due to missed payments to Lakeview Loan Servicing. I immediately called Lakeview and paid my outstanding balance in full. During this call, Lakeview notified me that they had been getting Return To Sender on all correspondence they had sent to the ( wrong ) address on file. They agreed that this was an error on their part and waived the late fee assessment. I then sent a formal to their credit disputes office requesting that the late payment resulting from their error be removed from my credit report. They again agreed, and notified the credit bureaus that the late payment should be removed from my credit history. Currently, my online loan account shows that I have no unpaid fees or past due balances. However, I received a paper monthly statement for XX/XX/2023 which states I have a Past Due Amount of {$25.00}. I again called Lakeview and asked why this was on my paper statement but not on my online account. They did not answer my question but insisted repeatedly that it was a fee associated with my Closing. I repeatedly told them that my closing was 17 months ago and there were no unpaid fees associated with it. After being repeatedly challenged on their lie, they finally told me that it was a " Corporate Fee '' from an inspection they ordered as a result of my late payment from XX/XX/2023. I told them that the late fee had been waived as it was charged as a result of their error, and therefor this associated inspection fee should be waived as well. They informed me that they are unable to refund this fee, refused to let me speak to a manager/supervisor. They then said that I could speak to their " escalation department '' to attempt to resolve the matter. After being placed on an extensive hold they then said that I actually could NOT speak with their escalation department and that yet another formal letter must be sent to their disputes department. | ||||||
| 05/01/2019 | Yes |
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| I am currently in a chapter XXXX bankruptcy plan since XX/XX/XXXX. Lakeview Loan Servicing LLC is trying to take steps to foreclose on my primary residence. On XX/XX/XXXX, they filed a motion for relief from the automatic stay in bankruptcy court showing that I was 120 days past due and owed {$5700.00}. We have provided them evidence and proof of payments showing that I was less than 90 days past due and only owed {$4200.00} as of XX/XX/XXXX. We have also sent them proof that as of XX/XX/XXXX, I have brought my account current and am no longer past due. However, due to issues with their accounting systems, they continue to show that I am past due and continue to pursue the motion for relief so they can foreclose on my home. In my opinion, they intentionally mislead the bankruptcy court by submitting the motion for relief by showing that I was 120 days past due when I was not as the regulations set by the Consumer Financial Protection Bureau ( CFPB ) state that foreclosure proceedings should not begin until the consumer is 120 days or more past due. The CFPB also regulates how mortgage servicers use the suspense account. Lakeview Loan Servicing LLC is also abusing the use of the suspense account. The only time a payment is to be placed in the suspense account is if an underpayment is sent or overpayment is sent. However, ever since I have filed bankruptcy, according to the account ledger that the mortgage servicer sent us, every single payment that I have made, even if it was the exact dollar amount of my monthly payment, was placed in the suspense account instead of immediately being applied to my balance due. Furthermore, even when partial payments were sent and when there was enough funds in the suspense account to equal a full months payments, the funds were not immediately applied to my balance as the CFPB regulations require and were held in the suspense account for a extended period of time. Furthermore, while in bankruptcy, Lakeview Loan Servicing LLC increased my monthly payment without any notification to me, my lawyer, or to the bankruptcy trustee. That is a violation of bankruptcy laws as bankruptcy rule 3002.1 requires the mortgage servicer to provide at least 21 days notice to the consumer, their lawyer, and to the bankruptcy trustee regarding the increase in payment and the cause for the increase in payment. This notice was not provided by Lakeview Loan Servicing LLC and as of yet, they have not provided an explanation as to why they failed to provide this notice. | ||||||
| 12/07/2021 | Yes |
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| For the last four years my mortgage company has refused to send me monthly statements which had put me almost in foreclosure they have raised my mortgage every month with no statement of explanation or any information they have never sent me out any tax forms or anything I have never been able to access any of this information on their website either. I have called for the last three years asking for a monthly statement and all I get is yelled at told I am ignorant because they dont have to send it to me Ive been verbally abused and assaulted over the phone by this company with denial still to this day of my monthly statements the only monthly statement Ive ever received from this company was my XX/XX/2017 statement. I have asked numerous times why am I not receiving my monthly statement they keep telling me its the post office but yet all my other bills have had no troubles coming through I have tried to talk to this company Ive emailed this company for answers and Ive gotten nothing they keep trying to say that this went up this went up this went up but yet when I called the auditor and my insurance company they have no idea what Im talking about because nothing has changed I want this mortgage company to either prove to me all this nonstop racing my mortgage every year and then when I bought the house I did not know but there was delinquent taxes that I was forced to pay on this home instead of the seller paying it that was automatically thrown into my account to the point of where I was forced to pay or lose my home. I have jump through hoops to get this loan and to have a home this company had to invade every atmosphere of my life from if I was married single divorced to XXXXXXXX XXXX XXXX XXXX XXXX nothing was private everything they had to know including my medical background all for one statement and four years I bought this house XX/XX/2017 and Ive only received one statement out of them for years Ive never received any escrow paperwork or any other information and they have almost made me lose my house a number of times because of their refusal to send me monthly statements the refusal to allow me any access to pay shortages in escrow or anything because I knew nothing about it. This mortgage company is lakeview loan servicing LCC also known as XXXX. They have not complied with the federal or the state laws of requiring mortgage statements to be sent out. I have received two emails from this company in the last two years about my mortgage withdrawals | ||||||
| 06/03/2021 | Yes |
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| In XX/XX/XXXX my mother XXXX XXXX XXXX, who had power of attorney at the time ) contacted XXXX to request a forebearance. This was right when COVID was beginning. They told her that my loan wouldnt even be able to go into forebearance until the loan was brought current, and furthermore that this would prevent any missed payments as being reported delinquent. So she brought my payment current by liquidating my 401k and paying XXXX and XX/XX/XXXX. There was NEVER any mention of any more payments to facilitate this process. It took XXXX until the end of XXXX to put my loan into forebearance with absolutely NO correspondence about any sort of extra payment. When she applied all they told her in XX/XX/XXXX was to make those payments and wait for the application to be processed. So I come to find out a couple of months ago that this entire time my loan has been in forebearance due to COVID ( still currently in forebearance ) that they have reported EVERY SINGLE PAYMENT as delinquent ; THIS HAS DESTROYED my credit score. I have been in contact with them several times since I found this out and keep getting empty promises as to it being resolved in the next few business days ; on every call. I have escalated it, and escalated it, and made notations on the account, even offered to pay the missed month to clear this up and delete the delinquent payments off of my report. In the most recent call, they told me it would be resolved by today, yet I have not received an email or phone call. What happened, so they say, is that since the XX/XX/XXXX payment was not completed when it went into forebearance, which made my loan payments not current. Again, my mother did everything they told her to by bringing it current, per their directions, by paying XXXX and XX/XX/XXXX in XX/XX/XXXX, and it was their negligence that made the missed payment in XXXX by not only taking so long to process the plan but not informing anyone that they needed payment for XX/XX/XXXX as well. The application was in as of XXXX and it took them until XXXX to process it with NO mention of any extra payment. My mother is retired and well established and will testify to this in any legal format deemed necessary. XXXX should also have phone records, so they say, as they always use a recorded line. Please help. I have done everything I can and they seem like they are just trying to bury this and destroy my financial future for years to come. We did everything they told us to do and now my credit score is a XXXX | ||||||
| 08/30/2018 | Yes |
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| I called to provide a new checking account number over the phone with a live agent because the pay-phone system would not accept my payment for the new account on the XXXX which is the last grace period to pay my mortgage. Once I did speak to a customer service rep at the mortgage company two payments instead of 1 posted too two different accounts. 1 from a account I never authorized which put my checking into overdraft after providing a different account I was told was entered and corrected twice ..instead of the new account I provided ... leaving the money in the new account untouched .. So I went into my bank with XXXX XXXX XXXX XXXX on the XXXX called the mortgage company again with the bank providing the checking account I had already provided on the XXXX. At that time I was assured my new account would be debited for {$1100.00} ... on XX/XX/XXXX waving the {$12.00} processing fee ... my work payroll it on the XXXX and all my money was debited again on the XXXX for {$1100.00} for mortgage taking all my money out my account that the mortgage company was not authorize or allowed to use I was sent two confirmation emails # XXXX for two drafts 1 from the authorize checking 1 from the unauthorized checking withdrawal..By the way I am not on any automatic withdrawal service. I have been unable to pay any of my mid -month bills such as my car note, car insurance, utilities ... buy food or anything ... I have sent all requested documents to the mortgage company that the money they took from both accounts have cleared plus any NSF charges on my account for my money to be returned. I have spoken to several supervisors, email customer care sent supporting documents still I have not been provided a reversed refund of charges. Now it is the XXXX my mortgage is due again between the XXXX ..But None of my other bills have been paid. This is placing me in a Hardship!!! I spoke with XXXX at XXXX on the XXXX .. Then a XXXX at same number different extension XXXX on XX/XX/XXXX .I have emailed a XXXX ... sending supportive documents.., .I have emailed XXXX ... STILL my money has not been Returned my loan number is XXXX..Lakeview Loan Servicing holds my mortgage. XXXX ... I was also recorded on a recoreded line that I did everything Right..plus provided all correct information from the start ... I would like all my late charges for all bills I could of paid be caught up ... Please Help ... as this is No Fault of mine ... .Upset Consumer!!! my contact number is XXXX | ||||||
| 03/16/2023 | Yes |
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Web | Servicemember |
| I am an XXXX XXXX XXXX vet who used the VA loan for a current home. I have been in our home for just over two years. Our mortgage is with : Lakeview Loan Servicing , LLC ATTN : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX I was recently awarded a XXXX XXXX XXXX XXXXXXXX rating as of XXXX XXXX. I called Lakeview to inquire about the process for providing documentation to remove the property taxes portion from my monthly loan payment. After spending a while on the phone the customer service agent told me I could either fax the documents to XXXX, which I did on XXXX at XXXX or submit them online. I was told the request would take 3-5 business days to complete. I called on XXXX and was told they never received anything. I was told that I should instead upload the documents through the website vs fax. The reason I faxed it on XXXX is because the process they were giving me didn't work online. When I called on XXXX, I asked them to walk me through the process. I was transferred multiple times and had to call back because the department they sent me to wasn't receiving calls. I explained my frustration because ultimately I'm paying escrow that I am not legally required to because of the XXXX XXXX XXXXXXXX rating ( Texas ). I was then transferred again to web support and when they walked me through the process, but it wouldn't allow me to submit it. He told me, yeah it's not working and I already let them know. I told the previous customer service agent that the process to remove property taxes from escrow is complicated and really not designed to actually assist the customer. With a VA loan, mortgage companies should have a simple process to address these types of changes especially since many veterans ' XXXX amounts change so often. I explained I will be mailing the next payment and omitting the property tax in the amount of {$790.00} until they finally process everything and was told that's fine. " That's fine '', as in if you don't send us the total amount, we'll penalize you for it. Essentially, this is how Lakeview chooses to treat Veterans. My taxing authority ( XXXX XXXX, TX XXXX XXXX XXXX ) told me that most mortgage companies simply call them to verify the " XXXX '' taxes. I understand each company has the freedom to decide how they process these types of requests, however, if regulations exist to make it easier on XXXX veterans, Lakeview needs to be held accountable to ensure they aren't making this process so arduous. | ||||||
| 06/24/2018 | Yes |
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| Please review the time line that outlines the delay in my request to have my PMI insurance removed from my current loan. XX/XX/XXXX : requested to have the PMI removed from my loan account XX/XX/XXXX : called back to inquire on my request that I had sent to the lender in writing XX/XX/XXXX : called to inquire when the request would be completed. Was told that the request has been escalated and I should here back soon from a local appraisal company when they would be able to complete the request. XX/XX/XXXX : Follow up call was made with loan company on status of my request. Was told by representative that it may take up to three weeks for the process to be completed. XX/XX/XXXX : Follow up call to inquire on status of appraisal which was still pending. Was told by representative that my request was denied and that if I wanted an appraisal completed that I would have to pay for it out of pocket. Requested a copy of denial letter that was then emailed to my attention. XX/XX/XXXX : Follow up call made to loan department again inquiring on denial letter via email and if I wanted the appraisal still done that I would have to pay XXXX to have it competed. I then agreed to pay for the fee and the payment was completed over the phone via my checking account with routing number and account number. XX/XX/XXXX : received my loan statement that reflected my XXXX appraisal fee was processed as an additional payment towards my principal loan account. I called in to inquire on the transaction and was told then that my home required some unknown upgrade requirements to justify the appraisal. When I spoke with the loan representative I recall that they stated " don't worry about the fees you have paid into thus far and they will be refunded to you once the appraisal is completed as long as the home value meets the requirements. XX/XX/XXXX : Filed a formal complant XX/XX/XXXX : complaint was responded to with no valid reason for my appraisal request to be executed. XX/XX/XXXX : Called into CFPB to inquire on the next steps considering no valid reason was provided by third party as to why the appraisal request has not been honored. Lending company continues to delay my request and the loan is now reaching the two year mark and I am simply asking for a true market value assessment be completed of my home as the initial appraisal is now two years old in XXXX this year of XXXX. CFPB representative suggested I submit a new complaint for follow up. | ||||||
| 01/28/2022 | Yes |
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| I was on a covid forebearance plan and at the end I applied for the differnt options available. After submitting the paperwork at least 3 times I received a letter stating that we qualified for the Covid-19 XXXX XXXX recovery advance combo. I received a letter on XX/XX/XXXX making me aware that the payment amount would be $ XXXX Principal and interest {$330.00} Escrow Interest rate 3.100 % I contacted XXXX XXXX on ( there were other dates but I would need to contact my cell company for the info ) XXXX to determine status of my application for relief. I was advised in processing XXXX to determine status of my application for relief. I was advised in processing XXXX Called regarding the letter advising that I qualified for the mortgage recovery combo and to find out what that was. I was told that I would receive paperwork soon that needed to be completed and notarized. Payments would start in XXXX. I asked if I should resume payments and was advised that XXXX and XXXX were already included in the modification paperwork. XXXX I contacted because I never the received the paperwork. I was told not to worry and that it would be coming soon. Payment would be {$800.00} starting in XXXX XXXX I contacted because I received a notice that my loan was transferred and the payment would be over {$1000.00}. I spoke to a supervisor at XXXX XXXX that advised me that although the loan would be transferred it would not be done until I completed the paperwork. I would told it would be sent via fed ex and I would receive a tracking number. Once my husband and I sign all documents and get them notarized ( I was even told a notary would come to my house to do this! ) my loan would go to XXXX XXXX with the same terms. XXXX Supervisor from XXXX called me back and advised the loan was transferred and that they didn't have the new payment information. I requested that the previous calls all be pulled and that I be contacted back. I never received another call. On multiple occasions I expressed to XXXX XXXX my concerns on losing my home. I was told over and over not to worry and it wouldn't happen. Today I received a notice from XXXX XXXX advising that my loan is due on XX/XX/XXXX in the amount of {$22000.00}. I left a message for this company but did not receive a callback. I do have the supporting documentation that can be sent if needed. XXXX did not follow through with the forbearance terms that were set and I am concerned that I will lose my home. | ||||||
| 01/07/2020 | Yes |
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| I want to complaint on Lakeview loan servicing. To start with, I have refinanced with XXXX XXXX but before my first payment they sold it to Lakeview Loan servicing. I made my first payment on time to Lakeview and checked my bank account if it has gone through. After one month I made another payment on time. I just wanted to check if everything is fine, so when I checked the account after 6 days it showed delinquent. I contacted them immediately and they said I am due. It dint made any sense since I made the payment already. So representative said that they will investigate but I am still due. So I made another payment. I contacted multiple ( up to 8 ) times there after in the span of 45 days and I got different answers from them. First they said I need to make another payment to avoid delinquency and later they said I wont be delinquent until first 60 days. But no matter I made my payment on time and another to avoid delinquency till they investigate. Late a supervisor said that by mistake my previous mortgage ( XXXX ) sent an extra payment, so they sent the money back, but I still made my first payment and they have investigate. Later another day another representative said I was due to XXXX XXXX so they sent that first payment to them and I was still due the first month. Later today after 45 days I talked to another supervisor and she agreed that first payment always goes to previous company and my extra payments will be corrected and my due date will be forwarded to next payment. All I got after all this struggle is sorry after going in round because of them and one time they asked me yo contact my previous company and I talked to them for hours learning they cant help me because they already sold it to the new company. I was so much in stress because they said I was delinquent after making my payments on time. I couldn't do other things I planned to just because I have solve this delinquency or mistake and I have to make extra payments because of their mistakes. But they cant compensate me in any ways after all this struggle. They don't have a clue what they are doing and incompetent to run mortgage company. The stress I went through these days can not be said in words.Sorry is the best they can do. I also want to complaint on the supervisor with ID XXXX who boasted about being the highest degree in the supervisors in that building and she can't do anything but will fix the mistake in 3 business days after my 45 days of struggle. | ||||||
| 01/18/2024 | Yes |
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| In XXXX, property taxes were not paid properly on the property resulting in delinquent property taxes. Once taxes were paid in XX/XX/XXXX, and escrow analysis showed that the account was - {$7000.00} short for the future year. An escrow adjustment was made to catch up in XXXX. Moving forward, we were told to manually upload a property tax bill annually to ensure proper payment. Electronic Tax Bill Submission XXXX ( Can not pinpoint exact date ) XXXX Phone Call XXXX @ XXXX. Spoke with agent about property taxes. Confirmed that property tax bill was received on XX/XX/XXXX in the amount of {$4900.00}. Confirmed that the amount was correct and that the tax would be paid before EOY. Agent suggested calling back on XX/XX/XXXX to confirm. XXXX @ XXXX. Spoke with agent about property taxes. She stated that while Lakeview has the bill it had not been escalated to be researched and would likely not get paid before EOY. I inquired about paying them myself to ensure payment. They said they would notate the account to not pay the taxes as we would do it and submit a receipt through the portal. XXXX @ XXXX spoke with agent and voiced our frustration with the management of our escrow account. She stated that it would be escalated and researched. I requested a hold on any escrow analysis until the property tax refund had been received. Will call back again on XX/XX/XXXX to get a status. XXXX received a notice that property taxes were paid for a second time by XXXX in the amount of {$4800.00}. This is the second consecutive payment ( XXXX ). Upon inquiry we were told that the incorrect parcel was paid the amount of {$6400.00} so they paid the correct amount {$4800.00} to the correct parcel. The problem with this is that we submitted a fully paid receipt in XXXX which they acknowledged receipt of. Our escrow account has not been depleted to zero and we have been told that we need to wait for the county to refund payments. This is not an acceptable resolution as we did not make the mistake the service did. XXXX - Research and escalation team contacted me regarding a status update and we have been told that they are still awaiting refund from the county. Again this is not an accepted resolution. Our account needs to be credited {$11000.00}, followed immediately by a refund to myself of {$4800.00} for property taxes paid directly by me. Actions XXXX @ XXXX property taxes were paid by homeowners. Receipt uploaded around XXXX to the portal. | ||||||
| 05/06/2023 | Yes |
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Web | Older American |
| In XX/XX/XXXX, during the COVID pandemic, I was approved for mortgage assistance through a Forbearance Plan. The plan temporarily paused my mortgage payments. My forbearance would expire XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX, that informed me my loan modification, prompted by the COVID Forbearance Plan, was complete with my signature. It instructed me to resume payments XX/XX/XXXX, in the amount of {$1700.00}. Responding accordingly my payment was made XX/XX/XXXX. In XX/XX/XXXX, I received another letter dated XX/XX/XXXX, informing me I was in default of {$20000.00}, non-payment from XX/XX/XXXX, to XX/XX/XXXX ( see attached ). I immediately responded with detailed documentation showing payment made as of XX/XX/XXXX to XX/XX/XXXX ( see attached ). I sent the same information twice and made multiple phone calls hoping for a response or some feedback, I received none. Later in XX/XX/XXXX, I received a XXXX package with more loan modification documents requiring my signature. I was confused because I had not received any response to my correspondence. I was concerned if the new process included my information, and why the new modification. I called repeatedly hoping to speak with someone who knew about my case to get some answers, but I could never get passed the front-line agent. I always left a request for a callback, I never received one. I wanted to contact the loan Trustee XXXX XXXX, but I did not know how to contact him, as he did not show in the HUD directory. After numerous calls I was told I needed to sign the papers or lose my home. I received the new modification documents around XX/XX/XXXX, I finally signed them, out of fear of losing my home, XX/XX/XXXX. The issue is, the new loan modification pack included a {$53000.00}, HUD loan, and {$11000.00} second mortgage for me. Referred to as a Partial Claim Deed of Trust package. My forbearance was for ten months ( based on the restart date XX/XX/XXXX ) totaling {$18000.00}. This amount was merged into the initial modification when my payments restarted. The unnecessary need for a loan was prompted by LOANCAREs inaccuracies ( sloppy bookkeeping or something more ) keeping my loan in forbearance from XX/XX/XXXX until XX/XX/XXXX ( upon receipt of the {$53000.00} ), even though I was making payments as of XX/XX/XXXX ( see confirmed bank reconciliation documents ). Their failure to acknowledge the payments started in XX/XX/XXXX, ignoring my correspondence. | ||||||
| 09/09/2019 | Yes |
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| XXXX XXXX purchased our loan in XX/XX/XXXX. As of XX/XX/XXXX until present day, I have had an online bill pay transfer occur every two weeks for {$1500.00}. Initially, our loan amount was {$2700.00} including escrow ( taxes and insurance ). I had asked that all extra be added to the principal. In XX/XX/XXXX, our family was living in XXXX ( my daughters and I resided there XX/XX/XXXX to XX/XX/XXXX, my husband is still there ). The payments continued. However, with the anniversary of XXXX XXXX on XX/XX/XXXX. Communications between the US and XXXX were VERY difficult and trying to get the funds transferred back to the US to replenish our bank account was not easy. I verified before making the change that I had two payments going out between XX/XX/XXXX and XX/XX/XXXX and I moved the XX/XX/XXXX payment to XX/XX/XXXX. Hoping we would have the ability to make the transfer by then. There were payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and then we made two payments on XX/XX/XXXX and XXXX on XX/XX/XXXX. The next payments were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then another will go out on XX/XX/XXXX. We were reported to the Credit Bureaus for late payment in XXXX ( over 30 days ) and have now paid a late fee each consecutive month after ( XXXX, XXXX, XXXX and likely XXXX too ) but they have the money it is in their system, The system is the problem. I can send verification of all the payments. What I was told when I called on Friday, XX/XX/XXXX was that their system can not handle the way I have been doing the payments over the past 3 years this was the first time I was aware of there being an issue with how the payments were being made. The first time I was ever aware of the " late payment " was when I was reported to the credit bureau and XXXX XXXX notified me. I sent an immediate email via the website to the company and received no communication back via the email system. Now, I did receive a letter in my XXXX XXXX which my mother in law checked 2 weeks later. However, the damage was done. No calls were getting through to XXXX on my US number between XX/XX/XXXX and around XX/XX/XXXX ... so if they did call I did not get it. But the only message I am aware of sounded like a refinance ( consolidate your loans with us ) type of message. My credit score dropped by 100 points because of this from XXXX to XXXX. I have worked really hard to maintain an excellent credit score for myself and my husband. | ||||||
| 11/29/2019 | Yes |
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Web | Older American, Servicemember |
| My home in XXXX XXXX< Florida was badly damaged in Hurricane Michael, after hiring a Public Adjuster I received my final insurance settlement on XX/XX/2019. I mailed the checks to Lakeview loan servicing XXXX, ( XXXX XXXX XXXX ), who bought my V A loan. I began the process to repair the home. I submitted contractor information and invoices, all were denied with no reason given, I hired a GC, Licensed roofing contractor, that all the other homeowners in my quadraplex agreed on, paperwork was denied. The contractor has done the work for all of us everyone else had no problem getting payment approved. I paid for emergency services, right after the storm, claim denied, local licensed contractor. I applied to the SBA Disaster Assistance Disbursement center, was granted a relocation loan to pay off the balance of the mortgage and borrow the money to buy a new home, I notified the mortgage company in writing of this transaction from the beginning, after 6 months of hard work on the part Mr. XXXX XXXX, and Ms XXXX XXXX of the SBA Disaster Assistance center, we made arrangements to finalize the loan, XXXX XXXX denied us access to escrow money ( {$230000.00} ) from my insurance settlement, they have blocked and denied all efforts to pay off the loan, and now insist that we pay {$270000.00} to close out the loan? I just want to be free of these criminals, I have been homeless for a year, I am a XXXX Veteran and this is a V A loan, how can they keep the money, offer no co-operation to the SBA and just behave as if this money is theirs? I have been lied to so many times I can't count them, have sent documents from the SBA and many faxes requesting closure, all denied, the SBA and myself started the closure process with a conference call on XX/XX/2019, the company is still stonewalling us, sent me an email saying that this has been resolved, no documents, one phone call, saying that they did not know how things got this way. I have sat down with the Veterans Justice Outreach Program, and spoken with an attorney, have filed a complaint with the Florida Office of Financial Regulation, as suggested, know I ask you please help, these people are doing the same thing to a lot of other people, XXXX XXXX service members, Veterans and many more, check them out on XXXX site, lots of complaints. Thank you for any assistance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX " XXXX XXXX '' XXXX XXXX XXXX XXXX, FL C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX< FL XXXX | ||||||
| 05/24/2022 | Yes |
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| I was reluctant to sign a loan modification really I was compelled to do when I didn't agree with any of it. I felt they've been dual tracking since I wasn't on the loan just the title I wouldn't have any rights once it went into foreclosure and I had to stay on top of it. I was in COVID-19 forbearance for 11 months I wanted to leave the forbearance period in XXXX ' and begin my regular payments XX/XX/XXXX ' although, didn't communicate it to the servicer until XX/XX/XXXX ', I had been waiting to hear from them with a loan modification to sign. They begin stressing me XX/XX/XXXX ' when they cut my initial approved 6 month forbearance period to 5 months therefore, on XX/XX/XXXX ' I decided to take my own action as how I wanted to come out of forbearance which was 10 months forbearance modifying the missed payments and giving them 3 of my regular payments to cover XXXX thru XX/XX/XXXX '. Nonetheless, it didn't matter they ignored what I said and told me to send the 3 payments then mentioned the loan modification as though they had it done in front of them. I didn't send them the 3 payments by certified check for 2 reasons. First I felt they were going to pay the latest of the payments missed keeping me in foreclosure status. Second I had to call back to ask if they would be able to sign XXXX Loan Servicing instead of Lakeview Loan Servicing because the signature on the certified check was non-negotiable, I was told they would just send them back to me either way and to deposit them back in my account. The loan modification should be just the amount of missed payments I would owe since insurance and tax escrow is in my regular monthly payments it would all be caught up paying the 15 months I owed the amount should have been {$19000.00}. The amount was {$48000.00} which goes as a loan to be paid by the maturity date. My principle went down although the 2 added together brings it to {$200000.00} when it was {$190000.00}. The interest rate went up a point from XXXX to XXXX saving me a whole {$120.00} a month giving them an extra more then {$1500.00} a month. They took all of my equity by adding more then {$13000.00} calling it now money they wouldn't work with what was best for me. I truly didn't know what to do before my 30 day deadline was up, I signed to rest assure I wasn't pushed into foreclosure. The whole thing is eating me alive with taking care if my mom age XXXX and XXXX large dogs foreclosure is/was not an option. | ||||||
| 08/29/2019 | Yes |
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| I received notification of an increase in my mortgage payment effective XX/XX/2019. According to the statement I received, my monthly payment would increase from {$590.00} to {$640.00} unless I chose to pay a lump sum of {$480.00} to cover an escrow shortage by XX/XX/19. I sent in a check for {$490.00} along with the statement slip to cover the escrow shortage mortgage coupon as directed. My check included " Escrow Shortage '' and the acct number on the memo line. My monthly payment for XXXX was sent to Lakeview through my bank auto pay in the amount of {$610.00}. Lakeview processed the escrow payment on XX/XX/2019 which should have changed my monthly payment amount to {$600.00}. However, my statements since XXXX have shown {$640.00} as the amount due. When I looked at my payment history online, I found Lakeview had applied the {$490.00} as a partial monthly payment for the following month ( XXXX ) instead of an escrow shortage payment. When my XXXX payment was automatically sent at the end of XXXX, Lakeview posted it as a Principal Curtailment rather than my monthly payment. I emailed Lakeview customer service on XX/XX/XXXX after submitting an inquiry to Customer Service via their website and not receiving a response. No response to my email either. I mailed a letter to Lakeview in mid-XXXX asking them to properly credit the {$490.00} posted on XX/XX/2019 as an escrow shortage payment and correct the XXXX and XXXX payments to reflect the {$610.00} as monthly payments of {$600.00} with an additional {$3.00} as a principal curtailment. No response. On XX/XX/XXXX, I emailed customer service again including an explanation and a copy of the letter I had mailed the month before. Finally, on XX/XX/XXXX, I received an email response stating that Lakeview 's Payment Processing Team would be reviewing my account. Online, it shows misapplication reversals were entered on my account one of which removed the escrow entered as a short payment then applied it on XX/XX/XXXX as an escrow payment due on XX/XX/19 ( originally due XX/XX/19 ). An escrow advance for {$330.00} was entered on XX/XX/XXXX with a due date of XX/XX/19. However, there are also 4 misapplication reversals made on XX/XX/XXXX for my monthly payments for XXXX, XXXX, XXXX and XXXX which were never reapplied correctly. There have been no other transactions since XX/XX/XXXX despite the email I sent 2 days ago telling them it now appears I am 4 mortgage payments behind. | ||||||
| 08/11/2021 | Yes |
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| In XX/XX/XXXX I called Lakeview Loan Care asking to remove insurance from my escrow account and provided via fax Evidence of Insurance paid by me. I received verbal confirmation that this is taken care of. Appears it was not. I received via mail Annual Escrow Account Statement dated XX/XX/XXXX. I called Lakeview to clarify the Escrow ( taxes & Insurance ) monthly monthly amount that in the statement listed {$270.00}. Appears that includes insurance that I a been paying for 2 years myself and Lakeview receives the EOI from insurance company. XXXX tax amount was {$1700.00} XXXX should be charged $ XXXX instead of {$270.00} XXXX. Principal and interest is fixed {$1100.00} Seems that overcharge is $ XXXX for no one was able to explain why and/or for what. Current monthly payment was XXXX. Eff XXXX Escrow on the Disclosure Statement {$300.00}, new monthly payment : {$1400.00}. XXXX taxes {$2400.00} XXXX $ XXXX XXXX, which seems overcharge is going to be {$100.00} The customer service is horrible after half an hour on hold I was told that the " request will be expedited ''. The person was so unqualified to answer any questions so after continuous request was transferred to another person to another 30+ min on hold. I was told they the Lakeview loan servicing haven't received request to remove Insurance and taxes in XXXX of XXXX. I can not make anyone to take notes or process the requests. If the CSR confirms that it is done- I continue to make payments for insurance and appears continue to be charged for it for almost 2 year. The CSR promised that the request has been submitted and there is no one to talk to in the Escrow Department. I requested to receive confirmation via e-mail that the request was submitted again- have not received anything of course. To my opinion Lakeview LoanCare is overcharging not only me : it could just one case, however I tend to think that it's a pattern. Customers, that choisen or were forced to have Escrow accounts know that property taxes and insurance every year increase and not having time or ability to figure out. However that id the financial institution can not add 3 columns I see it as a huge problem. The overcharge thousands a year without getting caught. When get caught " will expedite '' not been able to provide any figures how much overcharged and for what : property taxes or insurance, or both. Someone should look and audit Lakeview LoanCare activity. Regards, XXXX XXXX | ||||||
| 04/05/2021 | Yes |
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| This might be a duplicate, as I already have a complaint opened for XXXX ( XXXX ), but it appears to be Lakeview Loan Servicing that is the one who is causing the problem. I have been corresponding via email with a representative at XXXX who keeps saying she has asked someone at Lakeview to call me, but they either just use a robocall to call me or have called when I was unavailable and they refuse to give me a time that they will call. The rep has also asked them to email me but they have yet to do so after nearly a week. Below is the original complaint I submitted on XX/XX/XXXX. Around XX/XX/XXXX, I was placed on a forbearance. I have always had issues reaching out to the mortgage company, but recently I was provided options for what to do after the forbearance and I chose a loan modification. I asked for the terms of the modification and was told they could not tell me them, that I would just have to accept the paperwork when it arrived. I provided a mailing address in Pennsylvania, but the documents were mailed to Texas. They only gave me 7 days to sign and mail back the documents, but due to their error, I was not able to mail the documents in that time frame, especially since I had questions about the documents and was once again unable to reach a company representative to ask how to resolve those issues. Some of the issues pertained to what the notary had to do, as the documents mention a California notary and I am, as I mentioned, in Pennsylvania. I tried to contact the mortgage company multiple times in multiple ways by phone, through their website, through XXXX and still did not receive a callback or any assistance. They even gave me a robocall saying I needed to call them, but when I tried to call, I could not get through and the system to enter my number for a callback went into a loop, asking for my loan number, then my phone number, then my loan number again. When I tried again to call today, after I went to the notary just in case I could mail the documents, I again had the same experience with phoning. My experience with them since day one has been very disappointing. In addition, when I call, they say there is a new phone number to reach them, effective XXXX XXXX, yet their website and all of the documents they have mailed me still have the older number, which still appears to be working. There is much more to this experience, but this is the most recent and egregious. | ||||||
| 04/12/2019 | Yes |
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Web | Servicemember |
| Today XX/XX/XXXX I received a letter dated XX/XX/XXXX that my mortgage is increasing by {$74.00} per mom after an escrow analysis was done. The letter informed me that the increase is effective on XX/XX/XXXX. I immediately called XXXXhe servicing company XXXX number listed on the letter and was greeted by a young lady by the name of XXXX ID number XXXX who explained that since the letter was dated XX/XX/XXXX that there is nothing she could do to assist me in extending the effective date even though I was only notified 19 days prior. I asked her why nothing could be done, She told me that since I didnt seem to like her answer that I could with call Lakeview the Finance company or speak with her manager. She transferred me to a woman who claimed to be a manager by the name of XXXX ID number XXXX who stated that because the letter was dated XX/XX/XXXX theres nothing she could do to help me. She placed me on hold and came back and said that the letter was available to me online under my account on XX/XX/XXXX. I then asked her to confirm for me when they received my XXXX mortgage payment thats made online every month, she stated on XX/XX/XXXX. I asked her then how am I supposed to know as a first time homebuyer to look for such a letter AFTER Ive already made my XXXX payment, that I access my account when its time to make a payment and at that time there was no letter there. She then offered to transfer me to an escalation line. I asked if I would have to explain all this to yet another person, XXXX assured me that she would warm transfer me so that she could let the person who answered know what was going on. After being on hold a few minutes a person greeted me by the name of XXXX ID XXXX, she had no knowledge of what was going on and stated that no one told her that a call was being transferred to her so I had to explain all over again and to no avail I got nowhere with her. She stated that all she could do was waive a late fee if I needed to pay late. I explained to her how hard Ive worked on my credit, that my payments are always early for that very reason, that what Im asking is for a proper 30 day notice that a XX/XX/XXXX effective date would be fair ... she was no help AT ALL. I am now forced to try to figure out how I will be able to come up with the rest of the funds for this increase. The amount may not seem like much to most but to a single Mother, it means a great deal. | ||||||
| 01/31/2019 | Yes |
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| I submitted a payment on XX/XX/XXXX to the mortgage company, but the payment was never pulled from my bank account. We called the mortgage company numerous times regarding the fact that the money had not been removed from our accounts. Once when we called a representative placed us on hold for over a hour until the office closed and then a recording told us to call back during normal business hours. We called back the following week and spoke to a representative who was very rude and said we had never made our XXXX payment. The representative continued to rudely state that they are aware of everything we do and that we had never even made an attempted to make a XXXX payment. We then attempted to resolve the issue with the representative who continued to rudely state that it was our bank withholding the funds. We spoke to our bank in which they informed us that they would not withhold funds without notifying us first, and that the issue was on the mortgage providers side. We called the mortgage company back trying to resolve the issue, but they had already placed a mark on our credit and said nothing could be done to resolve it. We then made another payment for XXXX on XX/XX/XXXX of {$930.00} plus {$48.00} in late fees bringing the total amount to {$990.00}. The funds were then removed shortly after on XX/XX/XXXX, which was quicker then normal. We assumed the funds were removed quicker due to the fact we have also been speaking to our mortgage officer many times over this incident. This isn't the first time this has happened. Since we bought our house in 2017 we have had an issue almost every month with the mortgage company. Usually they work with us stating that their website hadn't been working properly, or there was another issue on their end. We have also had problems with this company not removing the funds for two to three weeks after a payment is made. When they would remove the payment they would also then pull a late fee out even if the payment was made on time. We have been doing everything on our end to resolve this issue including talking to our bank and mortgage officer many times. We believe the issue is on the mortgage company side, but they seem to resist taking the blame and are quick to blame us. We have been tirelessly trying to resolve these issues and wish the mark against our credit would be removed due to the fact the error is not on us. | ||||||
| 02/01/2021 | Yes |
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| Lender : LakeView Loan Servicing Company NMLS : # XXXX Lakeview Loan Servicing : XXXX XXXX XXXX, XXXX XXXX, VA XXXX Problem : After repeated requests for the status of an imminent loan modification ( between XX/XX/XXXX - XX/XX/XXXX over 150 days ), Lakeview Loan Servicing LLC has not provided any electronic or written correspondence regarding the status of my existing mortgage. History/Details : I participated in the COVID-19, 90 day mortgage relief program in XXXX of XXXX. Note : The loan was current at the time I opted into the COVID-19 mortgage relief program - My credit score was/is around XXXX - There were no title issues at the time of my opted-in and there were no title or financial concerns between XX/XX/XXXX - through present day ) On XX/XX/XXXX, I verbally agreed and accepted the Lakeview Loan Servicing LLC option to expire the XXXX mortgage relief program. On XX/XX/XXXX, I also agreed that the existing mortgage would be modified to take advantage of the lowered interest rates. Lakeview Loan Servicings customer service members informed that paperwork would be sent to me and that the new mortgage terms would start in XX/XX/XXXX. Since the XXXX week of XX/XX/XXXX, I have contacted Lakeview Servicings customers service number ( on two weeks intervals ) to inquire about the status of my loan and the imminent loan modification. Each time I called, I was told that while the loan departments are extremely inundated, the mailing of any appropriate loan documentation was imminent. LakeView servicing refused to provide an email or letter form communication providing notification of status or receipt of prior communication. As of XX/XX/XXXX, I have not received any correspondence from Lakeview. I have incurred over ( {$18000.00} ) XXXX XXXX dollars of additional principle to my loan amount over this period. I am extremely hesitant to send unsolicited payments to the lender in fear that the payments would not be applied correctly or considering their refusal to provide reasonable communications, even acknowledged. I am very concerned that Lakeview Servicing is participating in lender misconduct or perhaps fraud. I would like to not only file this complaint, but take advantage of every opportunity available to help bring this to an issue to a close and if possible, protect me from any adverse results that may be incurred do to Lakeviews negligence. | ||||||
| 04/03/2020 | Yes |
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| We build a house last year and moved in at the end of XXXX. Fast forward to XXXX when we get a letter from XXXX XXXX XXXX that our escrow payment would be going up by {$350.00} a month beginning in XXXX due to a {$4200.00} shortage in our escrow account. I called them on XXXX XXXX, XXXX to see what happened because I found it hard to believe that someone grossly miscalculated our escrow amount at closing by over {$4000.00}. I spoke with a woman who looked into it and noticed that our water tax and county tax were listed as they exact same amount : {$2900.00}. She said there was no way that those two were exactly the same and she put me on hold so she could get with a manager. She came back and said whoever did our escrow analysis made a mistake and she requested a re-analysis be done. She advised me not to make our XXXX payment as the numbers would completely change when they completed the re-analysis. After that, I called weekly to get an update as I saw the analysis had not been redone. I was always told it would be done by the end of the week. I was even told once that I needed to get a water tax statement so they could update it. I then called both our XXXX District and the XXXX County Tax Office and they both informed me that since our house has not been appraised by the county yet, that no XXXX tax documents had been sent out or even generated as they are waiting on the appraisal. This means that {$2900.00} didn't come from any official county documentation and it has not even been paid yet as there is nothing to pay. When I spoke with a supervisor XX/XX/XXXX, I was told the analysis had a close date of XX/XX/XXXX. XX/XX/XXXX comes around and still no analysis. I call again XX/XX/XXXX and speak to a supervisor once more. He lets me know that there was a note from XX/XX/XXXX saying they spoke with the county and that our house doesn't have a certified valuation for XXXX and that he was not sure why they hadn't done anything since they found that out. I have since found out from numerous mortgage brokers that they are not allowed to pad escrow when there are not official county tax documents to back that amount up. I get nowhere when I call these people. No one wants to take the initiative to fix my problem and I will not be stuck paying an extra {$350.00} a month due to their mistake and blatant disregard for general mortgage policies. | ||||||
| 02/20/2018 | Yes |
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| On XX/XX/XXXX, I received an annual escrow account disclosure statement dated XX/XX/XXXX from Lakeview Loan Servicing , LLC. This statement reflected a {$1900.00} shortfall in the escrow account associated with my mortgage, & the mortgage payment was set to increase 27 % from {$660.00} to {$830.00} on XX/XX/XXXX. Property taxes are only {$370.00} per year, & XXXX property hazard insurance was {$2000.00}. {$250.00} of each mortgage payment was being deposited into escrow throughout XXXX, which should have easily covered these amounts for the year. However, after calling Lakeview Loan Servicing 's customer support line ( XXXX ) 3 different times on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, & being placed on hold for over 45 minutes each & every time, Agent # XXXX ( XXXX ) finally admitted that escrow funds had been misapplied between my escrow account & someone else 's account in early XXXX. After the loan company " fixed '' their mistake, somehow my escrow account is now nearly {$2000.00} short. They now need to make up the difference over the course of 12 months by raising my overall mortgage payment to a level that is completely beyond my current budget, as my wife has recently become employed again after a long period of unemployment. Although XXXX clearly admitted on a recorded line that the escrow mistake was made on their ( Lakeview Loan Servicing ) end of things, I am still left with them expecting payments exceeding {$800.00} per month beginning XX/XX/XXXX. If I could fire this mortgage company, I would. Apparently raising my mortgage payment by nearly {$200.00} is the only option available to me, even though the mistake was on their end & I have done nothing wrong. I have been offered no other options or detailed explanation, or even an apology for getting my escrow account so out of sorts to begin with. Unfortunately, my plan of action at this point is to pay my normally budgeted mortgage payment of {$660.00} in XXXX, because it is all that I can do. I am sure that the late fees will start piling up, & if it goes on like that long enough, I will end up losing my house over a " fixed '' mistake that this horrible loan company made with my escrow account. This has ultimately turned my American dream of home ownership into a real nightmare, & if there is any way for other homeowners to avoid this company, PLEASE DO SO! | ||||||
| 03/26/2023 | Yes |
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| Our mortgage lender, Lakeview Loan Services LLC, has been reversing our monthly payments from XX/XX/XXXX to XX/XX/XXXX without any notice to us. This has caused accumulated late fees and hits to our credit scores. This entire situation was extremely negligent on the part of our mortgage lender because if there were issues at all with our account 's status, we should have been properly and promptly notified, not receiving receipts of payment. We have spoken to their customer service on the phone trying to fix this and when we asked why we were not notified, they stated it was because they didn't have our phone number. That's not an acceptable excuse. This has done a lot of damage. Once we found out this was happening we were sure to make a large lump-sum payment to be current. The funds were immediately wired to their bank. When this started in XXXX, we logged on to make the payment that month Lakeviews site was having difficulties. We attempted multiple times in XXXX to make a payment, yet the payment portal was still not working. We called Lakeview in XXXX once we realized this was turning into an issue and the customer service rep stated that their system could be behind ( she said she had seen it lag for up to three months before ). She said she was going to process a payment immediately and for us not to worry that it would be taken care of and that nothing was being sent to the credit bureaus. We then tried to schedule XXXX 's payment while on the phone, however, she wouldn't schedule one - she told us the XXXX payment needed to process first because if the system was having issues it needed to catch up, and that hopefully the online portal issues would be resolved soon. When checking for the total amount in late fees we paid, it turns out they did not take that from the amount wired, which is what they stated they would do. They used the late fees as a payment for the month of XX/XX/XXXX. That is not what we agreed upon. The amount wired was to cover XXXX and the late fees. Our account is showing that as of today 's date, we still owe in late fees. In addition, we have an escrow account and when we first got the loan we were being charged PMI. Once the equity in the home increased over 20 % the PMI was supposed to drop off ; however, were still paying PMI and its being send to escrow. | ||||||
| 08/11/2020 | Yes |
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| I received a letter from XXXX XXXX Senior Vice President Loan Organization dated XXXX XX/XX/XXXX asking if I would refinance my current VA loan with Lakeview. I called numerous times and never got through. Was on hold for hours. Finally got Through today XXXX XX/XX/XXXX XXXX. Told one gentleman, not XXXX XXXX, what was going on he said the letter was the best interest rate they would do no better and hung up on me. So dismayed about the hang up I called back. I got to talk to another gentleman, explained the situation and I told him because the first guy hung up on me I called another loan company. He got very irritated with me like I wasnt supposed to do that. He kept asking me if I had a loan estimate from the other places I called. I said yes and he got very rude with me. I told him he needed to be nicer and that I have told him three times I had another loan estimate lower than they were offering. Could their company match it or beat it. This guy said no and hung up on me as well! Ive been with this loan company after the initial borrower sold my loan to Lakeview XXXX because the state of Texas said this was who we had to use because it was the only VA loan company we could use. My experience with this company hasnt been as good as some of these reviews. But over the last two years, I have had to deal with this company charging me for property taxes when I was tax exempt as a 100 % XXXX veteran and had to submit my tax free exemption letter from our county twice. We also were having to pay higher mortgage once we finally got the taxes worked out for our house insurance which was lower than what the XXXX insurance was charged. XXXX said they were tired of trying to work out the details so they credited me almost {$400.00} last year. Also today I tracked XXXX XXXX down and his secretary said she emailed him and that he would return my call by the end of the day. Its XXXX XXXX time and no phone call. Lakeview obviously doesnt care about their current home owners! Most humbly I would think a over $ XXXX house would get better treatment since the interest on our home with this company is over {$1700.00} a month but guess I was wrong!!! If anyone would like to talk to me about me experiences with this company and as a 100 % XXXX veteran from XXXX and XXXX my number is XXXX. Dont hesitate to call!!! | ||||||
| 08/10/2023 | Yes |
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| Mortgage is with Lakeview and is subserviced by XXXX In XXXX XXXX I added a new bank account for payment of my mortgage. I submitted a payment on XX/XX/XXXX which is within the grace period for the due date. I was not informed that the payment had been returned until XX/XX/XXXX. The mortgage company reported it to the credit agency as XXXX days late. The payment account number was off by only one digit. I immediately made the payment at the time of the phone call with the correct account number. I made the XXXX payment through the website on XX/XX/XXXX and everything went through just fine. I made the XXXX payment through the website on XX/XX/XXXX. Prior to submitting the XXXX payment I checked the " edit payment account '' screen to verify that the correct account number was listed. On XX/XX/XXXX I called them because the payment had still not cleared my bank account. I was told that the incorrect account number ( off by XXXX digit ) had been used for the XXXX payment. No one at their customer service, website team or escalations department could tell me why it processed with the incorrect account number even though I double checked it before submitting the payment. I was then told that I have to wait until Monday XX/XX/XXXX for the payment to be returned and that I will be charged a returned item fee. On top of everything else, they reported me as XXXX days late to the credit reporting agencies and stated that they have no responsibility whatsoever to notify me when a payment is returned. This is an unfair business practice that has damaged my credit and will adversely affect me for the next 7 years. I have never been late on a mortgage payment before and if there were any issues in the past with the mortgage on my last home I was promptly notified to address the issues before any negative impact to my credit. This company said that they refuse to correct anything with my credit report even though the account number was only off by XXXX digit and I was not notified that the payment had been returned until 10 days after it was already 30 days late. In addition to unfairness I feel this is deceptive and predatory because it has caused me to be denied on applications to refinance to a different lender. I also have photos of the " edit payment account '' screen showing the correct account number. | ||||||
| 12/26/2015 | Yes |
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| My mortgage was sold to a new lender on XX/XX/2015. The new lender is Lakeview Loan Servicing, LLC c/o XXXX XXXX, XXXX. Located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. I called this company on XX/XX/2015 to verify the payment address so I could make my mortgage payment but was advised by a representative that the account was not in their system yet and was asked to callback in 1 week. I called the following week and was told by the representative that my mortgage payment had increased, when I questioned the increase the rep realized that the property tax escrow amount was higher. I gave the rep a breakdown of my mortgage payment with the previous lender and that gave me my monthly total of {$2100.00}. The new monthly payment now being billed is {$2300.00}. The rep opened an investigation to have the property tax escrow amount corrected after verifying with the states website. The rep told me to callback in XXXX to XXXX business days and then I could make my mortgage payment over the phone. I called back to follow up after the XXXX business days I was told this matter was still being investigated and the deadline was XX/XX/2015. I called back on XX/XX/XXXX ( 4th call ) and the issue was still not corrected. I requested to speak to a supervisor and was told one was not available, and the supervisor would call me back same day before XXXX. I never received a callback. My wife called again today XX/XX/XXXX and the rep XXXX agent ID # XXXX advised her that the matter has still not been resolved. My wife explained that this is unacceptable customer service and that we are trying to make the correct mortgage payment and nobody is doing anything to have this matter resolved. XXXX said she would transfer the call to the supervisor but then came back on the line and said a supervisor was not available but would have one call us back. My wife advised the rep that we were told this before and the supervisor never called us back. My wife also told the rep that she will be filing a complaint with the CFPB and is still waiting for a supervisor callback. My wife requested the name of the customer service manager and XXXX said her name is XXXX XXXX. We have been consistently trying to have this matter corrected so that we can pay our correct mortgage payment, but nobody in the mortgage company is willing to help. | ||||||
| 04/04/2017 | Yes |
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| My mortgage was sold to Lakeview Loan Servicing/XXXX in XX/XX/XXXX. I have been having one problem after another with them, from not paying my homeowner 's insurance out of my escrow account and threatening to take out a very expensive policy on my home ( this has been resolved ) to failing to respond to or resolve a property tax error that is costing me hundreds of dollars every month in additional fees. According to XXXX, my estimated total annual disbursement amount is {$5400.00}, when it should be {$2700.00}. I first notified XXXX by email of the error XX/XX/XXXX. I received a notification that the issue was being forwarded to the tax team for review and resolution on XX/XX/XXXX. No one from the tax team corrected the error or contacted me to request additional information and the problem was not resolved. After speaking with a customer service representative XX/XX/XXXX, I emailed a copy of my tax documentation as instructed. In the meantime, my escrow account was assessed at XX/XX/XXXX and {$200.00} in additional escrow payments were added to my monthly payment. More than a month after reporting this problem, I mailed a letter with delivery confirmation, as detailed on the XXXX website, documenting the issue and providing supporting documentation. The letter was delivered on XX/XX/XXXX. According to XXXX, I should have received confirmation of receipt within five business days and a more detailed letter with a timeframe for resolution within 15 calendar days. I have received no communication whatsoever. I made one additional attempt to communicate with XXXX by phone on XX/XX/XXXX. The representative I spoke with spoke with his supervisor, who confirmed I have submitted everything required. I was told it had been escalated to the tax team and that I should not make my monthly payment until he called me to confirm the issue had been corrected. I asked that these instructions be emailed to me and was told they would ; I have received nothing. I have followed all procedures to communicate about this error and made every effort to resolve it with XXXX. At this point, I have to wonder whether this is simple incompetence or whether the company is illegally padding escrow accounts. Either way, I am trapped with this dreadful company until I am in a position to refinance my mortgage. | ||||||
| 09/04/2019 | Yes |
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| In XXXX of XXXX, My wife and I purchased our first home. The Mortage company assigned to us was 'Lakeview Loan Servicing LLC XXXX ' As required, we bought Homeowner 's insurance through 'Progressive Homesite ' and our monthly mortgage payment included our Principal/Interest payment as well as taxed and mortgage. I have been making my payment in full, plus a small additional amount to round out the payment to an even number ( {$1500.00} ). I received a letter in late XX/XX/XXXX from XXXX ( Lakeview Loan Servicing LLC ) dated XX/XX/XXXX stating that I was going to be forced to get Lender Placed Insurance because my " Hazard Insurance had expired. '' I had assumed that the insurance expired since it had almost been a year and was just in need of renewal. I called XXXX that afternoon to get clarification. XXXX told me that my insurance had been canceled LAST XXXX due to a claim I had placed ( My car was broken into at home and tools and school books were stolen. ) XXXX claims to have sent out a letter of cancellation as well as a refund for approximately {$500.00}, but I had not received either! I called XXXX back for clarification on why they are JUST NOW telling me that I do not have insurance and to find out where all the money for insurance in Escrow had been going since cancellation. The XXXX employee was surprised that they hadn't realized the lack of insurance sooner. The employee also said that the money was sitting in escrow and had not been paid to an insurance company since the insurance had been cancelled. I was told that I just needed to find new insurance and to call back with the information. I had calmed down and I was just grateful that nothing had happened to the house during the period we did not have insurance. That night, I acquired homeowner 's insurance from XXXX. On XX/XX/XXXX, I received another letter from XXXX thanking me for getting new insurance. In this letter, they state that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and an insurance charge of {$950.00} will be placed on my account for the period of time that their lender placed coverage was in force. XXXX 's first notice and contact of possibly placing lender 's insurance on me was dated XX/XX/XXXX of XXXX. Now they are retroactively charging me for services THAT WERE NEVER RENDERED. | ||||||
| 07/15/2020 | Yes |
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| Lakeview Loan Servicing LLC has repeatedly violated the terms of my FHA loan. Issues I've been having with this loan servicing company are : ( 1 ) FAILURE TO REMOVE PMI AS SPECIFIED IN LOAN DOCUMENTATION. Lakeview did not remove the PMI in XX/XX/2020 as expressly stated in my loan paperwork. Even after multiple time-consuming discussions ( 3-4 hours total ) with Lakeview, they have refused to adjust my loan account to reflect removal of the PMI beginning in XX/XX/2020, and instead have put my payments in " suspension '' as if I had not been paying the full amount due ( which I have done ). ( See attached copy of mortgage payment summary page ). ( 2 ) UNABLE TO MAKE PAYMENTS BY PHONE. As of XX/XX/2020, Lakeview 's phone system will not allow me to pay my loan by phone as I have done for many years. It appears that Lakeview 's phone system is rigged to only accept the higher improper payments and no other type of payment at any other amount is possible. ( 3 ) FAILURE TO POST ELECTRONIC PAYMENTS. Lakeview did not credit 3 months worth of payments ( XXXX, XXXX & XX/XX/2020 ) made thru XXXX XXXX XXXX Bill Pay online system. These payment were FINALLY credited to my account 3 months after the fact when XXXX XXXX XXXX personally intervened on my behalf. However, XXXX is STILL trying to assess late fees & the PMI for months in which PMI was not due. I was forced to make payments thru XXXX XXXX XXXXXXXX XXXX on-line bill pay service because Lakeview 's phone payment system would not allow me to pay the correct amount ( without the PMI ). ( 4 ) IMPROPER ASSESSMENT OF ADDITIONAL FEES UNRELATED TO COLLECTION. Lakeview attempted to pass on their legal fees to me without my consent which were associated with a property line dispute which I informed them of with a neighbor. It is my understanding that this is NOT ALLOWABLE under an FHA loan. These legal fees are completely unrelated to any collection. ( 5 ) LATE PAYMENT OF PROPERTY TAXES COLLECTED. Lakeview repeatedly pays my local property taxes late, and at least once has paid them so late that it was posted in the wrong tax year and affected my ability to properly file my personal taxes. ( 6 ) IMPROPER ASSESSMENT OF LATE FEES. Lakeview is assessing hefty late fees for several months even though I have made every attempt to pay them on time. | ||||||
| 08/23/2020 | Yes |
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| I first contacted Lakeview Loan Servicing Customer Service on XX/XX/2020 to discuss the process of how to go about having PMI removed from my mortgage as I have made home improvements to my property and there has been significant appreciation in the local market area. I was on the phone for more than an hour being shifted around to different departments as no-one could help me with the question. I was not able to have my question answered. I called back on XX/XX/XXXX with the same question and was circled through different departments again and put through the insurance department. The girl I spoke with was more helpful, but not too sure of the process so put me on hold quite a bit too get the information I was seeking. She said she would send my request to the proper department and flag it as urgent as I had already called 5 days prior with no resolution. The timeline for a response would be a few days from the department with the urgency flag. I was to receive a list of requirements for the PMI removal which would be a list of approved vendors in my local area for an appraisal on my property or I could provide a list of the home improvements made with a broker 's report. I did not receive a an email or anything in the mail from Lakeview Loan Servicing regarding my request. Thus, I sent an email on XX/XX/XXXX to customer service on the website in which I received a ticket number back to my personal email for the same request although it said to not send duplicate requests. I believed I would hear back from the support team since their was a written ticket instead of phone support calls. I did not hear back. Hence, I sent another email on XX/XX/XXXX to customer service on the website in which I received a ticket number back to my personal email for the same request. As this is the fourth attempt, and I have not received any instructions or received any customer support, I am concerned that the mortgage lender is not abiding my rights of the federal Homeowners Protection Act. I have the right to request the instructions of how to cancel PMI and they are not allowing me this option by not responding. Next, I am concernced if and when I receive these instructions, will this lender work with me in the removal? Or continue to be non-respondent. Thank you, XXXX XXXX | ||||||
| 05/20/2019 | Yes |
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| My mortgage amount was set to XXXX and would fluctuate slightly due to taxes. My amount dropped in XXXX to XXXX. I contacted my loan servicer XXXX, they told me the reason the payment amount changed was because I no longer had to pay Mortgage Insurance. They advised me that as of XX/XX/2018, there was no need to pay the Mortgage Insurance and they adjusted my payments to reflect that. I received my mortgage statement for XXXX and the amount has now jumped to XXXX. I checked my online account and I am now being billed for the previous months that the Mortgage Insurance was not paid. I contacted XXXX to discuss the sudden change. They advised me that they made a mistake and confused my loan with another loan. When they realized their error, they billed me. They never once contacted me to explain the error with my loan. When I contacted them, they were not apologetic at all. I asked them why would I have to suffer financially due to their gross mismanagement of my account. They made the mistake and I contacted them to verify the lowered amount was correct, they told me it was. Then instead of just rectifying my account to the proper amount, they are now billing me for back pay. I told them it is unfair to expect the consumer to carry the burden of gross negligence. They told me I no longer had to pay Mortgage Insurance, they are the servicer for my account so I believed them. When I told the rep this, he then equated my circumstance to that of murder. If a cop tells you its ok to kill, would you kill a person? That is a poor analogy to explain away their error. The only resolution they offered is to spread out the delinquent amount over the next 12 months. I feel that a company that is in charge of managing thousands of accounts and millions of peoples monies, they should do so with more care. And they should own up to gross mistakes and rectify them, even if it means they hurt their bottom line. The company is taking no responsibility for changing my finances and potentially harming my ability to keep my home. When I looked into purchasing a home, I did so with my budget in mind. This goes outside of my plans and the loan servicer does not seem to care. And now I am trapped with a company that makes gross mistakes and does not own up to them for the duration of my loan. | ||||||
| 05/27/2015 | Yes |
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| Loan Application with Lakeview Loan Servicing Facts : I was gifted funds to assist with a 20 % down payment and closing cost from my children father. We both have separate accounts at the same bank therefore the funds were simply transferred form XXXX account to another. My bank statement clearly discloses the account number where the transfer came from. A letter was provided on the bank letterhead outlining the date and amount of each transfer which reconciled with the express banker deposits that were made into my account, the letter also includes the name and telephone number of the account representative if additional verification was needed. A gift letter that was signed and dated by my children father was provided per their request. Issue 1 : Request for children birth certificate. Compliant : The loan officer is requesting copies of my children birth certificate and claims it is a XXXX requirement. I can see several law suits in the development if this practice continues. Reviewing XXXX seller 's guide I found nothing that requires that the borrower provide birth certificates or social security cards for their children. Issue 2 : Request for Bank Statements from an unrelated 3rd party. Although all financial documents currently provided clearly discloses where the gift funds were transferred from and could easily be tracked the loan officer refuse to accept the document. They are requesting the bank statement from the unrelated 3rd party that gave me the money ( my children father ). The party that provided the gift is not associated in any way with the mortgage transaction other that providing the gif. Requesting the bank statements of an unrelated 3rd party is excessive when several alternative documents have been provided which verifies the source of the funds and show the history of the banking activity. The loan officer is applying XXXX guidelines and the Patriot Act abusively. Either intentionally or unintentionally both XXXX and the Patriot Act guidelines are being misinterpreted and causing unnecessary stress and the possible loss of my {$40000.00} Ernest money if the loan is denied. I am unwilling to provide my children birth certifications to apply for a mortgage and unable to provide the bank statement of someone else bank account. | ||||||
| 01/04/2023 | Yes |
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| I started a forbearance with LOAN CARE XX/XX/XXXX for 180 days for a COVID hardship. I also applied for the Texas homeowner assistance program on XX/XX/XXXX. They approve my application and brought my mortgage current XX/XX/XXXX. They then stated they would pay XXXX months of my mortgage for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called XXXX ( can't recall date but XXXX can pull the call ) to see if I was still in forbearance and if not, if I could re open my forbearance XXXX of XXXX as I was still having a COVID hardship. I was told by the rep to find out exactly when my mortgage assistance would end and to call back because I was no longer in a forbearance. I was told I could not be in a forbearance and receive mortgage assistance. I then called the mortgage assistance and they told me my last payment assistance would be XX/XX/XXXX. I then call XXXX XXXX ( XXXX XXXX ) and told the rep what the first rep from XXXX told me. She told me I was not in a forbearance again and would need to reapply. I specifically told this rep I wanted the forbearance to start XXXX of XXXX! She stated she would submit the application and I would hear something before XXXX. XXXX past and I didn't hear anything so I called LOAN CARE a third time. I spoke to a rep who state my forbearance was not closed initially ( this is not what the first XXXX reps told me ) snd stated my forbearance was only extended until XXXX of XXXX. I told her this didn't make any sense and every time I call I am told totally different things. I asked her to let me talk to a manager but she passed me on to another rep ( third call/fourth rep ). This rep stated I was never taken out of the forbearance. I stated okay if that's the case why am I only being allowed a XXXX month extension when I should be allowed another 180 days under a XXXX XXXX forbearance extension. She was not able to provide this information and seemed confused. She stated she would review/escalate the info and I would hear back. Its now a week later and I have not heard anything. I would like to know what's going on and if my forbearance was ever ended? I would like to extend my forbearance for the MAX time I can or at least the one 180 days extension I am allowed to take because I am still having a COVID hardship. This has been a mess. | ||||||
| 04/27/2023 | Yes |
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| On XXXX XXXX, 2022 - received letter about transfer to new servicer. Letter said, " XXXX ( current servicer ) will stop accepting payments after XX/XX/2022, your new servicer, Lakeview Loan Servicing will start accepting payments received from you on XX/XX/2022. My account with previous servicer was on auto-pay to be paid on XX/XX/2022 and it was paid! When Lakeview was EXPECTING the payment on XXXX XXXX, 2022 there was no money sent to the new servicer. XX/XX/XXXX I tried to set up auto pay on the new servicers web site, I was told I could not because I was delinquent - what? I immediately called new servicer and was told I could not set up auto pay until I was current. And they did not accept debit/credit cards. Now I'm baffled ; upon checking my account there was money in there that apparently was returned to the account but I didn't know it! I called back and was told I could send cashiers check or money order ; since they don't take cards and I didn't have checks. Unfortunately, other items hit my account and I did not have all the money at this point ; when I finally paid XXXX in full it was XXXX ; and I had to pay XXXX in XXXX PLUS I paid XXXX in order to get caught up. XXXX 's payment was made on XX/XX/XXXX ; two days late. At this same time I finally set up the auto pay for the new servicer. In XXXX I received a notice that I was eligible to refinance ; after crunching the numbers this made sense for me ( after COVID, I was behind in some credit cards ) however Lakeview Loan officer informed me since I was late XXXX and XXXX payment I was not qualified unless the mortgage servicer ( MyLoanServiceLakeview ) *same company different divisions... they were under the assumption that RESPA would prevail, it did not ; and they submitted a escalated request to address the issue ; after two months of waiting they notified me I was technically late!! This is not fair! And I have 60 days according to federal law to get set up when being transferred. How is this my fault? I am seeking relief ( ability to put in application for REFI ) and an explanation of what went wrong here. XX/XX/2022 ( pay the old servicer ) XX/XX/2022 ( pay the new servicer ) simply does not make common sense. I don't know anyone with two months of mortgage payment lying around post COVID. | ||||||
| 07/07/2022 | Yes |
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| Hello, In XX/XX/2022, we were placed on a COVID forbearance plan that expired on XX/XX/2022. In that time, I applied for homeowners assistance fund that was available through the Florida Department Of Economic Opportunity. My application was approved on XX/XX/2022 and they stated they would distribute funds directly to my service provider which is XXXX XXXX to pay the amount due/past due amount on my Mortgage. Unfortunately, there wasn't a timeframe provided on when they would send the funds. It's been over a month. I've been in contact with XXXX to advise them of this, and they stated my account was protected even though my forbearance ended on XX/XX/XXXX. All they said i could do was stay in contact with them once I advised I was waiting on payment assistance and they are aware that the time varies on when the funds are sent. I called last Thursday and spoke with XXXX on the XXXX as i scheduled a payment for XX/XX/XXXX, to inquire if i should make my regular monthly payment now that my Forbearance ended even though i was still waiting on assistance due to me not wanting a late payment on my credit or my house to go into Foreclosure. I was assured it would not, and was advised to not make any payments until the amount due/past due was paid on my Mortgage by the Florida Department Of Economic Opportunity . I was assured this wouldn't negatively impact me, and XXXX even stated they spoke with their supervisor who even cancelled my payment that was scheduled for XX/XX/2022. Now it is XX/XX/2022, and XXXX XXXX and I both had our credit scores hit and they were dropped XXXX points. I am extremely upset, and i attempted to contact XXXX, XXXX today, and every time i contact the main customer service number, i get told due to high call volume, i need to call back at a later time. Well, i tried multiple times throughout the day at different numbers and can not reach anyone. I finally spoke with my lender directly Lakeview Loan Servicing, who transferred me internally to someone in XXXX, who then transferred me to another person. This whole situation is a nightmare, I just want our credit report fixed, and I want our mortgage protected until the funds are paid on the amount thats due/past due that was promised through the Florida Department Of Economic Opportunity . | ||||||
| 10/31/2023 | Yes |
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| In XXXX we refinanced our home and ended up with Lakeview Loan Servicing LLC. Their headquarters are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then in XXXX I noticed that our escrow was calculated wrong. We own a lot that had a one time tax of {$97.00} and then the house taxes were 4 times {$710.00}. I realize that wasnt then numbers on the statement online at the website of Lakeview Loan Servicing LLC. So immediately connected with Lakeview for them to fix our escrow issue. Unfortunately, they dismissed me multiple times. I ended up sending a Notice of Error with registered mail and again had no response. Then in XX/XX/XXXX I received our new escrow analysis and due to their error we are {$2800.00} short! I understand that our taxes and insurance have increased but according to that we would only have a {$33.00} increase a month on the mortgage, not a {$440.00} increase! I decided because Lakeview wasnt responsive then file complaints with various agencies. The OCC, XXXX and AGs office. None of them were of any help, except the XXXX. The XXXX was the only agency that got Lakeview to respond back and to admit that they made an accounting mistake on their part, but they are not willing to credit us the full amount. They calculated/projected on paper 4 times the lot taxes of {$97.00} and only calculated/projected the house tax one time {$710.00}. But again are only willing to credit us with {$1400.00} not the entire amount of {$2800.00}. Right after the XXXX decided to close this complaint. What is absolutely nonsense, because we rejected the offer because they are willing to only credit us half of what they own us. What is fraudulent. We did go and check with the City of XXXX and they did say they received the correct amount from Lakeview the one time {$97.00} and 4 times {$710.00}. but again, on paper they calculated/ projected it wrong and it made our escrow short. I ask that the other half {$1400.00} gets credited ASAP, and that there will be a full investigation into Lakeview Loan Servicing LLC, and all other affiliates with them. To not be willing to credit us with the right amount due to their negligence is fraudulent. This company has unethical business practices and are doing this, I am pretty sure knowingly. | ||||||
| 06/02/2019 | Yes |
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| On XX/XX/2019 I called the mortgage company to ask what I needed to do, and what amount I needed to pay to have my PMI taken off. I was told to submit a request in writing, which I did.I then called them on XX/XX/XXXX to check on the status and was told that my question was at the PMI department. I had the money at the time to pay down the mortgage to what ever their requirement was. I was sent a letter two weeks later stating that I did not meet the loan to value requirement. No kidding, I know this. When initially had called I asked specifically what that dollar amount was. They could not tell me. In XXXX I called again to ask the same question. I was told that once I met 80 percent of the load to value the PMI would come off. It would show on my XXXX statement but not my XXXX statement that had a due date of XX/XX/XXXX. My XXXX statement still showed the PMI. The next day right around XX/XX/XXXX I receive a letter stating that while I meet the loan to value ratio I need to send them a check for XXXX dollars to have a BPO to insure that the value of my home has not gone down. I mailed them a check which cleared on XX/XX/XXXX. I called again on XX/XX/XXXX to inquire where we were at with the BPO. It had not been ordered until XX/XX/XXXX. I was then told that the matter was escalated and that someone should call me by Tuesday XX/XX/XXXX. I received an e mail stating that someone should call me in the next three business day. These dates have come and gone. I have been calling repeatedly to find out what I have to do to drop the PMI. I have been told something different every time I call even though I am supposedly speaking to a supervisor. They in turn file with the PMI department who sends me a letter two weeks after the fact thus ensuring I have to pay ANOTHER months PMI. I still have heard nothing concerning what the BPO stated and I am now at 78 percent of the loan to value. They have repeatedly stalled and not given me the information I have been asking for. I could have paid the load down the 78 percent in XXXX if I had been told that this was the best way to do it. The way i see it I am out four months worth of PMI XXXX and the XXXX that i sent for the BPO and I still have not received any information stating what exactly I need to do. | ||||||
| 03/14/2023 | Yes |
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| I purchased home XXXX XXXX and obtained insurance from XXXX XXXX acct # XXXX as XXXX XXXX as my servicer. The insurance was paid through my escrow during closing. XXXX XXXX transferred my loan to Lakeview Loan Servicing in XXXX of XXXX. XXXX XXXX sent 2 invoices for insurance payment in XXXX of XXXX and XX/XX/XXXX, both invoices were not paid. Late XXXX of XXXX I received a letter stating Lakeview Loan Servicing would be placing lender place insurance on my home. I called Lakeview loan servicing and spoke with the who instructed me on uploading the new XXXX page to the claim to deter lender placed insurance. I uploaded the document XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I received a letter stating force place insurance has been added due to no homeowners insurance. I never missed a mortgage payment XXXX XXXX and Lakeview loan servicing violated my RESPA Section 6 rights. Neither paid my insurance per the federal responsibility as my loan servicer. With an FHA loan, I am required to have an impounded account. As of now XXXX XXXX will not re-instate or provide new coverage due to non-payment. I have to seek different at a much higher rate due to breach of contract by the servicer failing to pay the policy premium. RESPA does not require borrowers to maintain an escrow account. It is the lender 's decision whether the borrower must maintain an escrow account for the purpose of paying taxes and other items ( also, certain government loan programs or lenders may require escrow accounts as a condition of the loan ). Neith Guaranteed nor Lakeview can explain why the invoice were missed. Ironically, I received my 1-yr anniversary escrow analysis which is the review of taxes and insurance, but no one mentioned non-payment of insurance. When I spoke with XXXX XXXX of Lakeview Loan servicing, he stated my funds were sitting in escrow and acknowledged that the XX/XX/XXXX, email of my XXXX page was received. My rights have been violated, per lender requirements the servicer breached the contract when they failed to make payment, my mortgage has increase, the new insurance policy premium is higher, I have been sanctioned by insurance for lapse coverage all because I am required under FHA loan agreement to have an impounded account. | ||||||
| 09/19/2023 | Yes |
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| As the current co-borrower of the loan, I have requested to assume all of the loan as the sole borrower. During the application process, on XX/XX/2023, I was asked by the loan specialist to provide personal details related to bank, VA information, sensitive personal information that would be used for a " credit check '' and to move the application process forward. Nowhere during the application process did the specialist inform me that I had to sign 10 e-sign documents that were specific to the loan servicing company. On XX/XX/XXXX, I received an email from the same specialist informing me that I needed to sign all disclosures to continue to next step of the process. During the review of the non-editable documents, I found over 10 discrepancies that either was related to the servicing fees, mortgage insurance fees ( to be prepaid ), VA loan details that were inaccurate and/ or redundant. Additionally, one of the documents asked for my consent to share my personal information with a buyer 's agent. All of these documents were not discussed prior to the e-sign portal. On XX/XX/XXXX, in the same email, the specialist informed me that another specialist would assist with the next part of the process. I emailed with a response and all discrepancies to the other specialist and asked to raise this concern with the manager. I called the manager on the XXXX, as well, and left a voicemail. On XX/XX/XXXX, I emailed for an update and didn't receive a response. On XX/XX/XXXX, I emailed again for an update and received a response that the new specialist would not be able to edit the existing application documents and that I would have to go through the application process, with additional processing fees and credit check fees. I asked that we find another solution and to please escalate to the manager, again. Overall, the entire process, which is stipulated by the Loan servicing compliance department, is that this assumable loan be completed within 60 days of original date of my divorce decree. Due to this time constraint, and the Colorado law, I must comply with the removal of the co-borrower on my original loan and assume the loan as a sole borrower. If requested, I can provide email correspondence, from my personal email account. | ||||||
| 03/03/2021 | Yes |
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Web | Older American, Servicemember |
| I started a REFI with lakeview service LLC in XXXX of XXXX. That took until XXXX and the company rep told me that I would receive a check for {$340.00}. That did not happen. Had to rework the loan. It was finally completed in XXXX of XXXX. This process with phone calls took about 45 hrs on the phone. Not good. In first part of XXXX I changed homeowners insurance. I gave them all of the info including policy number and add. for the New insurance and I was told that it will be taken care of because my old policy stopped on the XXXX th XXXX. In early XXXX I received a check for the old insurance company. I then called lakeview service insurance division and was told to send the check and to put a note on it FOR ESCROW ONLY in which case I did. I called them back in mid XXXX ( XXXX ) and they put the check on principle and interest. At this time we had 20 hrs on the phone with them. Well that was finally taken care of XXXX XX/XX/XXXX and I thought all was ok. Not so. I received another check from the Old insurance company in which case I put that check in my savings account. I recalled Lakeview insurance division and complaind and then they sent the check to the Current insurance company and the insurance was paid. Now it gets NUTS. I then called escrow at lakeview service and was told that I owed {$1800.00} for insurance.. Again not so. I explained that I needed to send them a check for the insurance and they said your insurance was paid, then I was transfered to insurance. Guess what. They said all is well and dont need to send any more money to lakeview all is taken care of. Again not so. We have been trying to send the money to lakeview for the escrow. They wont take it. I have over 45HRS of phone calls. I just sent a letter to the president of lakeview and it was received on saturday XX/XX/XXXX. Still have not herd from them. I need help to get this resolved. No one at lakeview service understands anything. I am a veteran and XXXX. I want to make this right but I cant because every one at lakeview has no idea was is going on. I now have 70hrs on the phone with lakeview service in every department. I feel at this time they need to " let go '' all of those people and start over with someone that KNOWS what is going on. | ||||||
| 08/05/2018 | Yes |
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| I own a house in XXXX XXXX, NJ and I am having a tremendous amount of difficulty with Lakeview Loan Servicing and the Borrower Loss Mitigation Application. I am very concerned about the mortgage. In XXXX, XXXX, and XXXX, I have made several phone calls to Lakeview and have not been able to move forward with obtaining a positive resolution to the Borrower Loss Mitigation Application. I feel that I have been ignored. When I called, I was told that Lakeview had changed my representative. They have changed the represenattive 3 times. These changes have delayed the process of my application. The first representative did not reach out to me. At this time, I submitted this Borrower Loss Mitigation application approximately 3 months ago. Additionally, I have submitted the requested documents to Lakeview over and over again. It was only after I called again, and I filed a complaint, that a new representative was assigned to me. Then, I was told that I needed to send the application documents once again. This is totally unacceptable. Last week, I called and my representative was changed once again and was told that the lawyer proceedings was suspended. I am unclear why a lawyer has contacted me, giving me 45 days to settle this outstanding debt, and to remove myself from the property when I have I completed the Borrower Loss Mitigation Application several months ago and the delay has been on Lakeview 's side and not mine. I need to hear back from Lakeview as soon as possible. I need to receive confirmation that my application was successfully processed. I want to be back in good graces with my mortgage. I have been in steady communication with Lakeview and I an unclear as to why a modification has not been provided to me as of yet, given the fact that I have a reduced income. I continue to look for employment at a higher salary rate, and I am very interested in being in compliance with my mortgage. I feel like I have been going in circles with them. At this point, I wonder why are they not processing my application and continuously changing my representative. I have involved the organization HOPE with my case with Lakeview. Many thanks for your help and speedy attention to this stressful matter. All my best. | ||||||
| 11/28/2023 | Yes |
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XXXX XXXX XXXX has apparently been hit by a ransomware cyber attack. My mortgage servicer ( Lakeview Loan Services ) has been offline since XX/XX/XXXX. Their websites are down and they do not pickup the phone, the website gives a XXXX and the phone says 'agents are unable to access your mortgage records at this time '. I filed a complaint with the XXXX yesterday, and got a response from the company. I followed up in email but have not heard back and am deeply concerned about my responsibilities related to my mortgage. Lakeview has provided no estimation for resolution, and no instructions on what to do. Presumably they would have had a cyber-attack business continuity and communications plan in place, but there is no evidence they are prepared for this event. Please let me know what I need to do in order to be responsible for my mortgage when they are unable to process or receive payments. Below is the only message I have received. What should I do? Thank you.
XXXX XXXX : XXXX Customer : |
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| 03/16/2020 | Yes |
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| I am informing that Lakeview Loan Servicing LLC has a deficiency in their operational controls when it comes to customer service reading the LTV value. The FHA loan rules found in HUD 4155.1 do address how LTV is calculated. In Chapter Two Section A, we find the following instructions to the lender : The maximum mortgage amount that FHA will insure on a purchase is calculated by multiplying the appropriate loan-to-value ( LTV ) factor by the lesser of the propertys sales price, subject to certain required adjustments, or appraised value However, in the multiple instances that I called their customer service department, they quoted me an incorrect percentage based upon the property value ( XXXX ), which was not the same as the sales price ( XXXX ). As such, I have directed funds away from additional principal payments towards this account, and in doing so they will have effectively cost me {$490.00} by their lack of controls in telling customers the correct LTV %. Whether this is intentional to scam customers or simply negligent, I can not prove. But their lack of correct information has effectively cost me money and that is why I am submitting a complaint. Their lack of providing me with correct LTV information has forced me to take time away from my work and cost me direct dollars that could have, and should have been easily avoidable. I think if nothing else this is something every customer should be aware of and is worth looking into. Providing missinformation to customers that leads them to make poor financial decisions is inherently wrong. If nothing else, I hope that others can learn from my mistake. Please do not rely solely on what their customer service representatives tell you is the correct LTV. You need to do the calculation yourself and you need to make sure you are using the right numbers. They have cost time and money by hoping they would be " helpful. '' Unfortunately, has not worked out for me. I hope others can learn from this as a warning when dealing with their customer service department, who I recognize is a completely different department than the individuals actually reviewing MIP and whether or not to cancel it. There is an internal disconnect at that company. It's a major issue. | ||||||
| 03/17/2022 | Yes |
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| LET ME START BY SAYING XXXXLakeview has the worst customer service ever!!! Just read the customer reviews or complaints online!!! I was hung up on and treated with disrespect. I was on the phone for hours on hold and explaining my issues, being transferred to escalation and repeating my issues and getting the same poor service. In a nutshell, my taxes got messed up with the county so my escrow was running short each month, I sent in my mortgage payments. They, however, keep saying I'm late and its in forbearance. It is not in forbearance I have made over XXXX timely payments of XXXX sense going out of forbearance!! So when I made XXXX payments of XXXX in XXXX month the e-checks had the month and dates on the e-check for the months the payments were due for. XXXX took one of the XXXX dollar payments and put it in my escrow instead of making my monthly payment. Therefore making me late in the month of XX/XX/XXXX '. That e-check should not have been cashed for anything but what it was intended for, that being my mortgage payment!!! So as a result XXXX sent in a late payment status to my credit bureau bringing my XXXX XXXX down over XXXX. This also was told to me by XXXX it would be removed and taken off my credit, it is not!!! Lastly Loancare/Lakeview knows XXXX am trying to refinance my mortgage with another company and I feel they are not doing what they promised to myself to keep my mortgage with them. My last recourse will be to turn this over to my attorney XXXX XXXX Attorney XXXX XXXX. I have all my bank statements to back me up for each and every payment I have made on time to XXXX!!! My bank statements will show I am correct and all this nonsense should be cleared up!! Thanks to all this I have lost the interest rate I had locked in and my application has expired for my refinance!! This in i'ts self will be a law suit. I would also like to add My mortgage payment is not even XXXX a month it is XXXX so I am over paying on it each month. The last XXXX persons that said they would fix the problems are XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX BOTH HAVE NEVER GOT BACK TO ME EITHER!!! SIGNED A VERY UPSET CUSTOMER AND I HIGHLY RECOMMEND CONSUMERS DO BUSINESS ELSEWHERE!!!! THIS COMPANY STINKS!!!!!!! | ||||||
| 06/05/2021 | Yes |
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| Dear CFPB, I entered into a forbearance with XXXX ( Lakeview Loan Servicing ) on XX/XX/2021 for a 2 month forbearance! The only reason I entered into forbearance was because I forgot to file for homestead on my residence so my monthly payment went up {$600.00} a month. I called XXXX and advised them that I filled for homestead for this year so that my escrow amount will be drastically less with the homestead exemption and the save our homes cap in Florida. I was curious if I could do a modification or something to lower my payment as the {$600.00} difference made expenses extremely tight! XXXX advised that they only do modifications or any kind of assistance for borrowers only if they are in default! This seems like a horrible lending/servicing practice! Seems as though their main drive is for profits and forced foreclosure. So forbearance ended and I called into XXXX and they said it would be 30-45 days to find out if I could get a modification. They didnt offer any other kind of option for repayment, deferral, etc. So I kept calling to inquire as to what the solution was and they said they would let me know. There was never a call or email at all from them! In late XXXX I received a letter stating that Yes a hardship, but basically we dont care and the entire forbearance amount was owed or foreclosure would commence. They are entirely going against the CaresAct and in every blog, forum it is all the same with XXXX as they are doing this to everyone as to try to foreclose. Prior to COVID I was even paying a bit extra each month and I have been asking for leadership to call me to no avail! So basically with no prior notice, warning, information or discussion they expected {$4100.00} for the forbearance amount due on the XXXX of XXXX and $ XXXX for XXXX Payment. Plus as a side note when my mortgage was originated in my XXXX dashboard my home value was $ XXXX, but now its $ XXXX which sounds like incentive to basically force borrowers into foreclosure. Here are only a few examples of their practices as people are defenseless against these deceptive practices and I would imagine that forcing the entire forbearance amount to be paid is illegal according to the CaresAct?? Thanks XXXX | ||||||
| 05/16/2022 | Yes |
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| The loan servicing company, XXXX ( Lakeview Servicing ), does not properly disburse funds from escrow and does not communicate with its customers. As is typical with a conventional mortgage, my homeowners insurance and flood insurance was supposed to be paid from my escrow account. All payments are current and have always been paid timely since the inception of the mortgage. Regarding my homeowners insurance, XXXX did not timely pay to re-new my insurance policy, which resulted in a lapse of coverage and multiple phone calls to try and resolve why the premium was not paid. This is unacceptable and the company should be making timely payments and not allowing its customers to be left with a lapse in coverage. Regarding my FEMA mandated flood insurance, XXXX never advised the flood insurer that it was now servicing the mortgage ( originally a XXXX Mortgage ). XXXX never paid the flood insurance renewal - allowing the Policy to lapse. The original flood insurance company refused to back-date the Policy, resulting in me having to purchase a completely new flood insurance at a much higher cost. I provided proof of a brand new flood insurance policy on XX/XX/XXXX and still today ( XX/XX/XXXX ), XXXX has refused to pay the policy premium through the escrow account. They have instead suggested I buy the Policy myself. XXXX is also threatening to charge the account {$670.00} because there was a lapse in coverage - a lapse that the company caused and created and is now blaming the homeowner for and charging the homeowner. XXXX is placing lender placed forced flood insurance on my property, where I have provided a different Policy and they refuse to pay it and instead tell me the situation is " out of their hands. '' Most of the representatives are nice, but seem very limited in anything they can do and can not resolve any situation. Please do not allow XXXX to continue to service mortgages, and fail to pay from escrow accounts, resulting in a significant hassle and frustration to the homeowner. This is an unacceptable practice, whereby ultimately, XXXX is holding on funds it needs to release and is engaging in predatory lending practices and violating fair debt collection practices. | ||||||
| 04/27/2022 | Yes |
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| My name is XXXX XXXX and I applied to Lakeview Loaning which is my current mortgage company, to refinance my home. I've done extensive research on FHA refinancing with cash out and I discovered that the statement of denial from Lakeview Loaning Servicing LLC, explanation they provided was incorrect. This mortgage was purchased from XXXX a few years ago and there has never been a late mortgage payment submitted as of today 's date by XXXX XXXX. XX/XX/2022, we completed the application process Loan # XXXX, for refinancing with {$40000.00} cash out. For several months XXXX XXXX and XXXX XXXX submitted financial information, tax returns and several other pertinent information as requested. The next process was the Disclosure e-sign and document review which were signed in a timely matter and submitted, at this point the loan process moved to the next step which was the underwriting department along with scheduling an appraisal XX/XX/2022, for the property. All these steps were a false indicator on Lakeview Loaning Services, LLC 's behalf that the refinancing process would be finalized. XX/XX/2022, we received a statement of denial from the underwriting department stating FHA would not allow refinancing with cash out. THAT WAS NOT A TRUE STATEMENT. The information about FHA should have been disclosed prior to the application completion if it were true. I have contacted several mortgage brokers and companies that are processing FHA refinance loans with cash out. We have consulted with an attorney and we believe that Lakeview is using discriminatory practices based on race and is not an equal opportunity lender. Lastly, the appraisal scheduled was never canceled by your company, we contacted the XXXX today and he was surprised and unaware of the changes, which further proves there is deception on your Lakeview 's part. We will be filing a complaint with Consumer Financial Protection Bureau, media and other outlets. The public should be aware Lakeview Loaning Services, LLXXXX, has discriminatory practices and they will allow clients of XXXX to presume that their loan process will be approved and then Lakeview gives you untrue information as to why the loan could not be processed. | ||||||
| 07/09/2021 | Yes |
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| Pursuant to the Truth in Lending Act Regulation Z, I am the " creditor '' and " consumer ''. XXXX XXXX, XXXX has sent me a bill making it a " debt collector '' via its monthly written statements as to its form of " communication '' to me. LXXXX XXXX XXXX claims that I owe an alleged debt and has told me numerous times that I have an alleged debt to pay. As the " consumer '', XXXX XXXX, XXXX never had my consent to even contact me. Even so, it has communicated with more than one location with my non-public information that it has shared with other companies including Lakeview Loan Servicing , LLC and its payment center. I demand that XXXX XXXX XXXX cease and desist communications and I refuse to pay the alleged debt as a consumer. The action that XXXX XXXX, XXXX is taking is harassment and there is no alleged debt as all mortgage loans are prepaid. I request that this company stop using false, misleading, and deceptive tactics. There's no possible way that it to invoke a specified remedy as it, the " debt collectors '' can not use attorneys as there are none. This company 's unfair business practice was created in deception and fraud as it has obtained finances from me the " consumer '' through pre-meditated extortion to take legal actions when it has no authority. I, the " consumer '' challenged this alleged debt with a debt validation notice. I demand that all payments ever made to XXXX XXXX XXXX be refunded back to XXXX XXXX as this is a fraudulent scheme that XXXX XXXX XXXX has created. XXXX XXXX XXXX is asking for " payment '' which means a payment that is made to further the commercial development of oil, natural gas, or minerals ; and not de minimus ; and include taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals. I can not pay XXXX XXXX XXXX as I do not operate any of the three resources mentioned above as oil, natural gas, or minerals. | ||||||
| 01/04/2019 | Yes |
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Web | |
| My name is XXXX XXXX XXXX XXXX. I have a mortgage that is serviced with Lakeview Loan Servicing LLC ( XXXX XXXX XXXX ). My loan number is XXXX. On XX/XX/2018. I sent my first mortgage payment to this company. I sent two Money Orders ( enclosed ). One for {$1000.00} dollars and the second one for {$920.00}. They were both sent in the same envelope and received by a person that signed under XXXX XXXX XXXX XXXX on XX/XX/2018, at XXXX XXXX The following Monday, I called them inquiring why they had not posted my payments. After a week or so only the Money Order for {$1000.00} dollars was posted as a payment, and when I called asking for the other one ( {$920.00} ), they responded that they were investigating this matter. I did not hesitate and went directly to USPS to inquire if the Money Orders had been cashed and by whom. On XX/XX/2018, USPS sent me a letter were they enclosed a copy of the cashed money order by XXXX XXXX XXXX in the amount of {$920.00}, that they could not track. They scanned the money order, front and back and in the money order it says that it was credited to a Loan # XXXX. This is NOT my loan number. I have been calling and left on square XXXX every time, as they say they are investigating and that they will call me. Over a month has gone by and now I am going to be late in my second payment, because I just want to send the difference, but they will not allow me to pay it online. I have never been subject to such negligence over a payment I have made on time. I am now seeking your help as this company has not done so diligently even when I have been calling them almost daily about my case. I have a ticket open with them : XXXX. Last time I called, ( XX/XX/2018 ) an associate supervisor named XXXX, promised she had checked all attached documents, copies from USPS where they money order appears as cashed and copies of the money orders sent, and that she would keep my on the loop on my case. I am still waiting. I feel they are taking advantage of me because they can and it is not fair. I have enclosed documents for your review. Looking forward to your prompt help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX | ||||||
| 07/02/2021 | Yes |
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| I purchased a single-family home from XXXX and closed on XX/XX/2021. I made my first two mortgage payments to XXXXXXXX XXXX on XX/XX/2021 and XX/XX/2021, and then received a notice in the mail that the loan is being sold to Lakeview Loan Servicing, as of XX/XX/2021. I called Lakeview to see if I am able to make a payment directly to them, in lieu of XXXXXXXX XXXX, and the associate I spoke to said yes, but wait 3 business days to make sure the information from XXXX XXXX pulls over correctly. I made my mortgage payments to Lakeview Loan Servicing on XX/XX/2021, XX/XX/2021, and am about to make my third loan payment to Lakeview Loan Servicing today XXXX XX/XX/2021 XXXX. However, I want to refinance my loan and take advantage of lowering my interest rate since I lowered by XXXX by paying off credit and increasing my credit score. During the process of getting ready to refinance, I realized I had never received a statement from Lakeview Loan Servicing, despite making two payments. I checked their online website and their " Document Center '' does not have any statements available to view. Therefore, I called their customer care center, and I have been calling for the last three and a half weeks, talking to various supervisors, trying to get a statement. I should have had two by now, for XXXX and XXXX. Every time I speak to a supervisor, I am told they are working on obtaining a statement with their vendor and am told to give them more time and to call back in 48 hours OR I am told a statement will be emailed to me by the end of the day ( spoiler alert : I have never received a statement ). I have asked for the name of the vendor and they will not supply it to me. I have asked to speak to someone above a supervisor and I have been told there's no one else to talk to. I have asked what they're doing to get me a statement, and I have been told there's a XXXX request with the vendor to provide a statement and I still have not received a statement. I have been calling almost daily since approximately XX/XX/2021, and I still do not have a paper statement reflecting my loan information. This is a major compliance issue and, as a consumer, my rights are being violated per XXXX. | ||||||
| 09/01/2020 | Yes |
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| Hello this complaint is towards my mortgage company Lakeview/Loan Care. On XX/XX/XXXX I received a notice from my county auditor stating one of my two parcels I own is going up for property tax sale due to them not being paid. My loan was a USDA rural housing loan and it required all taxes and insurance be escrowed and this hasn't changed. The notice indicated the amount subject to sale was {$1000.00} which included the taxes not paid and all the penalties for non payment. I have called my mortgage company everyday but 2 trying to get this resolved. The notice stated if {$970.00} was paid by XX/XX/XXXX your name and property would not be listed in the local papers and county website stating tax payments have not been paid and now being sold at the county auction on XX/XX/XXXX. After sending the notice to my mortgage company and being told by one of their customer service people that it had been received and would be reviewed and closed by the XXXX. I made repeated calls and continued to get the run around from their customer service people and managers. They then changed the date to XX/XX/XXXX. On XX/XX/XXXX I called and asked for update and nothing again. But that customer service person told me if I paid the fee and provide proof I would get reimbursed. The following morning XX/XX/XXXX I paid a fee of {$960.00} to prevent it from being made public record because I pay my bills and didn't want the humiliation of such a post. I immediately sent the proof of payment to the customer service website as directed. The county treasure took off the most recent late fee from my mortgage company paying late for the other parcel. On XX/XX/XXXX a manger informed me that they do not do reimbursements of this type and I should not have been told that. The manager just kept saying the money was not in my escrow so there was nothing left to pay out. Told me that they will be doing a end of year review and my payment will be going up to cover the additional cost. How is this possible when nothing has changed since the day I purchased my property and home? They paid them in the beginning but stopped which resulted in the situation I am in now. How does a company get away with this? | ||||||
| 02/20/2019 | Yes |
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| I am trying to cancel my mortgage insurance. We bought our condo for {$600000.00} in XX/XX/XXXX with 10 % down. We now have a LTV of less than 80 % based off of the original purchase price. I put in a written request on XX/XX/XXXX to cancel my mortgage insurance early from Lakeview Loan Servicing ( subservicing by XXXX ) after we got below 80 % .I got a letter from XXXX saying I needed to do a Broker 's Price Opinion ( BPO ) for {$100.00} to make sure the value of the condo has not gone down. The result of the BPO was that the value of the house was below {$600000.00}. My complaints are as follows : 1. The original BPO on XX/XX/XXXX was external only as shown in my original attachment making it an invalid BPO of my property for these purposes. As outlined in the XXXX XXXX requirements, XXXX XXXX XXXX, under section, Ordering Property Values for Mortgage Insurance Termination, " On one-unit properties, the servicer must order an interior and exterior BPO. '' To resolve this, XXXX needs to order the correct internal and external BPO at their own cost to replace the invalid BPO they made me pay for in the first place. 2. The second issue is that once this new internal and external BPO is complete, if the BPO is below the original purchase price of {$600000.00}, I should, but wasn't offered the option to pay down my LTV to 80 % of the BPO value. This is outlined by the XXXX XXXX in XXXX XXXX XXXX, under the section Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Original Value of the Property, under the section 3. Verify the current value of the property is not less than its original value, and finally in the last row of the table. " If ... The BPO or appraised value is less than the original value of the property, then the servicer must ... deny the borrower 's request for termination unless the borrower pays down the mortgage loan balance to the point that it satisfies XXXX XXXX XXXX LTV ratio eligibility criterion. " ( which is 80 % under 3. Verify the current value of the property is not less than its original value ). To resolve this, Lakeview should give me the option to pay down the mortgage to 80 % of the LTV and remove my PMI. | ||||||
| 02/13/2019 | Yes |
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Web | Servicemember |
| I have been in constant contact with my Lender regarding my VA 1st Lien Mortgage since last XX/XX/2018. When my Mother passed away I had to help cover the burial and funeral expenses since no one else in my family was financially sound. I tried several times to be proactive and ask if I could defer a payment or two to the back end of the loan to help pay for the funeral and not deplete my 401k, they would not do anything because I was not delinquent. I had a XXXX XXXX XXXX this past XX/XX/2018 and was ONLY receiving XXXX and it wasnt enough to cover the mortgage or living expenses. I had XXXX XXXX drain my retirement, checking, savings, childs college funds, just to try and stay current on the mortgage. But with no luck I fell behind and made several calls ahead of the 30 day late mark and I kept getting trashered to different departments and every single person told me the same thing. Watch the video on the homepage and then call us back, so I watch the video regarding hardships and the documents needed to upload so I call them back and they transfer me again several times just to tell me I need to upload XXXX paystubs and an expense report. At this time already having a 30 day late the representative told me there are no options available for me since I am only 1 month behind and foreclosure process does not start until Months 4-6. I dont want to get that far behind and have a NOD filed it the foreclosure proceedings started. As a veteran of XXXX XXXX I would think for sure I would qualify for some type of assistance or relief. Im not asking for a bail out or to rearrange everything I am Just looking for a little help with maybe a deferment in payments now that I am back to work so I can get caught up and maintain my mortgage to save my families house and a roof over my childrens heads. I can eat sleep focus and the stress and mental anguish is becoming to much to deal with especially when the CONSISTENTLY call me for a payment already knowing the situation. In over 3 years I have never missed a mortgage payment until last month. I work my XXXX off and have served my Country selflessly. I cant believe there is no help or hope available for me and my family. | ||||||
| 10/09/2021 | Yes |
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| Back around XXXX I refinance my mortgage. Besides looking for a lower rate, i wanted to get away from my current lender Lakeview. I feel they are shady. My first payment due with XXXX XXXX was XXXX. I made my first payment of {$3000.00} on or around XX/XX/XXXX. This payment would be for XXXX A week or two later i was notified that my loan with XXXX XXXX was taken over by Lakeview , I received a statement from Lakeview , made a {$3000.00} payment in XXXX around the last week of XXXX, which that would be for XXXX. I noticed the statement did not show my first payment made. I reached out to XXXX XXXX, they informed me once the loan transfer was completed Lakeview would up date their records. On XX/XX/XXXX around XXXX XXXX, i believe her name was XXXX , from Lake view said she did not see the first payment made in XXXX with XXXX XXXX and was notifying another department and i was to call back around the XXXX of XXXX. I asked her ; if they would notify me directly and she said she was not sure, i should reach back out. Really, so unprofessional. XX/XX/XXXX, XXXX, I believe the persons name was XXXX was not helpful at all. She said my next payment was due for XXXX, did not see a documentation of my pervious call etc.. Last week of XXXX, i made another payment of {$3000.00} and to date my statements are incorrect. 1 ) i should be a month ahead, 2 ) should reflect 4 payment received 3 ) i told them twice, i am unable to log in to the site to see my account. I was told my tech dept i needed to wait for an email approval. Guess what, its be two months no email. Last week i received a statement my acct is short- {$18.00}, there fore my payments are going up. not even the option to pay the difference to keep my present payment. If someone pays the difference, their payments should not increase. This is a constant issue i have with LakeView in the past. I want to know where my first payment is. This loan company is so shady someone really needs to look in to this deeply. From their Customer Service to their Tech Dept. no one knows what they are doing. I do not have a scanner at the moment but if you require copies of my statements, please let me know and i will provide | ||||||
| 11/30/2023 | Yes |
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Web | Servicemember |
| Lakeview Loan Servicing purchased my mortgage from XXXX XXXX XXXX XXXX XXXXXXXX of XXXX. All communication I received stated that everything would be transferred automatically and I just needed to take note of the new account number and the method that I use to pay my mortgage payment. Both my taxes and hazard insurance were part of my escrow from the day I obtained the original mortgage. In XXXX Lakeview paid my annual property tax from my escrow. In XXXX of XXXX they notified me that my hazard insurance was lapsing and they were going to bill me for insurance. My insurance did not lapse nor did it change. It was renewed in XXXX of XXXX just as it was in XXXX. When I reached out to Lakeview they said that my hazard insurance was never paid through escrow, that I paid it. I explained that was not true and I could provide documentation of XXXX payments through escrow. They did not care. They told me that I had to request my hazard insurance be added into escrow in writing, which I complied with. When I called to follow up on XX/XX/XXXX I was told that everything was received and should take effect on XX/XX/XXXX, however my insurance company may not get the check for premium that quickly. Since I had been communicating with my insurance company this entire time, XXXX XXXX XXXX, they allowed a grace period as they were also trying to reach out to Lakeview to help get this resolved. Today is XX/XX/XXXX. XXXX XXXX has never received payment. My account has never been updated. I now have to pay out of pocket for my premium. Lakeview can not be reached. Their automated system simply states that they apologize if you receive a message during business hours, please call back tomorrow. XXXX XXXX has reached out to them as well with no luck. I am furious that this company was allowed to purchase my mortgage and alter my previous choice to have my hazard insurance deducted from my escrow account. This was never discussed or asked of me. I can provide documentation to show that XXXX XXXX XXXX paid my hazard insurance and property taxes out of escrow in XXXX before Lakeview purchased my mortgage. They should not be able to do this to unsuspecting consumers. | ||||||
| 01/26/2024 | Yes |
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| I submitted a request for a modification of my loan on XX/XX/XXXX on company website at which point I received an email stating that they will be contacted within 45 days, to date the I have received two letters asking me to call them for a required interview. I called the company both times and each time was told that its an auto generated letter and that I did not have to worry about an interview. I asked the first representative for a status and again got a general reply that my documents were received and will be processed. I asked the agent to check that is was being processed and she found that my file was never processed. She submitted an escalation and on XX/XX/XXXX and was told they had 45 days from XX/XX/XXXX for them to process it. I called again after 45 days and was told the file was still in progress. on XXXX/XXXX/XXXX I spoke with XXXXXXXX XXXX XXXX XXXXXXXX, told me that request was still pending. I called again XX/XX/XXXX spoke with XXXX who was kind enough to look further into why the hold. after a 20 minute hold she came back on the line only to tell me that although my file has been escalated several times it remains untouched. She was going to file yet one more escalation took down my number and promised she will call me back. Today is Friday and still I have not heard from anyone nor have I received any correspondence from my mortgage servicer XXXX with any sort of communication. Not by phone, email or mail on the status of my modification request. Please help me with this. I am afraid they are dragging out this process so that they can come back to me with predatory modification options to make me lose my current low interest rates or offer me a much higher XXXX, My income has decreased substantially and I have incurred major expenses of repair on my home and car that have set me back quite a bit. I am am asking for a modification to retain my current rate and either lower my current monthly payment or bring all my current outstanding balance to the back of my loan and keep my interest rate and monthly payments in tact to allow me to make start making payment moving foward from the approval of my modification. | ||||||
| 11/28/2023 | Yes |
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Web | Servicemember |
| I spoke to a representative with Lakeview - Loan Care a couple of weeks ago to ask a question about our homeowners insurance escrow account. We have switched homeowners insurance to a cheaper policy in order to lower our mortgage payment amount. Our previous insurance provider sent us a refund check, and I'd like to apply that to the shortage on our escrow account to catch it back up from the switch over. I called to get information on how much we needed to pay for the shortage, and how to make that payment. The representative said since I wasn't on the loan account, and was not listed as an authorized user, I had to get my husband ( who is on the loan ) to add me. They asked that he call, however, he is in the military and XXXX to XXXX and can not make outgoing calls or accept incoming ones. So they suggested he go online to the website to do it. He did access the website and added my information in the request, but did not hear anything back or receive any further correspondence on it. When I called back to try and get the information, they said they still did not have the request or have me authorized on there. The rep said to give it a bit and try logging in again to see if it had any updates. Since then we have tried logging into the account, but the website is down due to the cyber attack. I also can not reach anyone on the phones, as the phone line is down. This problem has been ongoing for multiple days and after further research, in seems NOBODY with this loan servicer can access their account or speak to anyone to get any solid answers about ANYTHING. I need this company to get their website back up and running, get their phone lines back in order, and honor my husband 's request to add me as a user so I can manage our mortgage and make sure our escrow account is paid up to date and on time before the new year. I REFUSE to pay a higher mortgage payment come XXXX due to not being able to get this issue rectified with the mortgage servicer. If anything, my mortgage payment should be going DOWN since switching to cheaper insurance, not increasing by $ XXXX because of their mess up and inability to be communicated with. | ||||||
| 03/07/2020 | Yes |
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Web | Servicemember |
| Received " Annual Escrow Account Disclosure Statement '' from Lakeview Loan Servicing. Over paid account by {$4000.00}. Lakeview refunded this amount by check ( # XXXX dated XX/XX/20 ). Lakeview then stopped payment on check but did not notify me by phone, email or in writing. They have current information for each of these methods. I called Lakeview to complain and learned that they stopped payment, reapplied the funds, and paid {$430.00} of my tax escrow account to a company called XXXX XXXX. I have no affiliation with this company, did not authorize this payment and the amount taken from my tax escrow does not match any bill or invoice ( including any supplemental assessments ) from the tax assessor. Repeated attempts to reach the Lakeview escrow account people always routes you to a customer service employee who is not able to assist ... but rather reads from the on line screen that I can see at their website. Spent 2 hours speaking to various " agents '' including XXXX ( employee XXXX in XXXX XXXX ) and someone only identified as " XXXX '' ( he would not give me his name or employee number ). I was twice put on hold to speak with a supervisor ... no supervisor answered after 2-30 minute attempts. I called back and asked to speak with someone in the escrow department. Lakeview, like their sister company XXXX, has a policy of not letting you speak to anyone except the " note takers '' that every " phone tree '' leads you to. Even when the note takers admit they can't help you, they refuse to provide you contact information to reach any person that can assist you with your matter. Lakeview blocks their number, so when they call, it appears as spam or nuisance calls. All messages they leave only refer you back to the numbers that only go to the " note takers '' ... who we know can't help you. This scam to illegally hold funds is conversion. Their practice of debiting accounts to pay unauthorized venders is fraud. Please take steps to revoke any licenses this company operates under and fine them into bankruptcy. In the mean time, please research my escrow account and advise. Next step is to sue this disreputable company. | ||||||
| 11/30/2023 | Yes |
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Web | |
| To whom it may concern, My lender is Lakeview by XXXX. Their whole system went down due to being hacked and I had to find this out via a XXXX forum. They did not send any communication to their clients and still have not told anyone our information was compromised. They did this before, where they waited 6 months to disclose that our information was compromised, essentially giving no chance to protect our credit with a freeze. They sent an email at XXXX last night that their website was back up. It hardly works. I will be 30 days late on my payment tomorrow and I can't make my payment through the website. They already tanked my credit earlier this year by falsely reporting me delinquent for 5 months straight. They sent me a letter saying they'd reverse those ( after I sent them a letter ) but it takes 60-90 days for the credit reporting agencies to report it accurately, and I am trying to get a HELOC, which they won't even work with me on even though this was their fault. To top it all off, their call center is still down, so I can't even talk to somebody about the issue. This lender needs to be held responsible for their irresponsible tactics and dangerous lack of communication with their clients. For the record, they also took 2 years to resolve my forbearance after numerous attempts and fails at a loan modification on their end whether it was incorrect documentation, underwriting taking months long, " mail issues, '' etc. I eventually got a grant from the state to pay it off, and there was over {$3000.00} of funds applied to " fees and charges '' I incurred over the course of my forbearance, and I still have no idea what these " fees and charges '' are for. My loan was current the entire time, so what fees could I have incurred? Also, when I call the call center, and it asks me for my social and I enter it, it says my social is invalid, which is EXTREMELY concerning. I want to refinance and switch lenders but I literally can't get away from this lender, and I am seriously concerned about their ability to protect my information, handle my funds properly, and communicate with me when something happens. Thank you | ||||||
| 07/02/2019 | Yes |
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| This is regarding my loan with Lakeview Loan Servicing, who manages my mortgage and escrow. After trying to resolve my issue by phone several times, I provided documentation to Lakeview on XX/XX/2019 including my receipt for taxes paid last year to XXXX County, and this year 's tax assessment from XXXX County for our projected taxes for this year. We live in XXXX County inside city limits for XXXX XXXX, Texas. The confusion is because " City of XXXX XXXX '' is listed on both the XXXX County tax assessment and the XXXX County receipt for the taxes we paid last. The reason for this is because the city uses XXXX County to collect their taxes. Therefore, XXXX County does not collect any XXXX XXXX city taxes, even though they show a line for City of XXXX XXXX at approximately {$2000.00}. As I have explained to Lakeview multiple times, they are counting this approx. {$2000.00} twice when they estimate our Escrow. Several of Lakeview 's personnel including management have agreed with me on the phone, but then explain that it will have to be escalated with their tax department. They usually tell me to wait 2 to 3 business days to hear back on a resolution, but then they don't call me back. They have been promising this for over a month now. Still no resolution. When I call back, I have to start all over with the person on the line and explain it again as they try to interpret the ever-growing amount of notes on their screen. Please refer to tax appraisal Lakeview has on file. The total amount shown on the XXXX County assessment is {$8100.00}, which includes a line for {$1800.00} for the city of XXXX XXXX. However, that {$1800.00} is not to be collected by XXXX County, but XXXX County instead since the city uses them to collect this ( the majority of the city of XXXX XXXX lies in XXXX County, except for a sliver in the neighboring counties ). {$8100.00} is our total estimated property taxes for this year, except for {$510.00} for public improvements as shown on the XXXX County receipt I have provided Lakeview. Again, they will see that there is a city of XXXX XXXX amount collected by XXXX County, but they should not count this twice. | ||||||
| 02/24/2020 | Yes |
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Web | Older American, Servicemember |
| To Whom It May Concern : On XX/XX/XXXX, we paid off our home mortgage with Lakeview Loan Services LLC. The amount due was wired through XXXX XXXX XXXX from our XXXX XXXX XXXX XXXX in XXXX Colorado. We never heard anything from Lakeview that the loan was paid in full. We just stopped receiving bills for our mortgage. In XX/XX/XXXX, I called the XXXX County Clerk and Recorder Office in XXXX, Colorado and asked if they had received evidence that our loan had been paid. They only had the lean we originated when we purchased the house. I then called Lakeview Loan Services on or about XX/XX/XXXX to ask about our loan and if it had been sent to our county or another county by mistake. They assured me that it had been released on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX County Clerk and Recorder Office again and after checking again, nothing had been posted. I called Lakeview Loan Services again that day and she said it had not been sent, but would be sent that day, XX/XX/XXXX. In the first part of XXXX we received the Annual Tax and Interest Statement and a Customer Account Activity Statement. The Customer Account Activity Statement shows the payoff payment, but no XXXX balance of the loan. So, XX/XX/XXXX, I called that XXXX County Clerk and Recorder again. Nothing has been received and posted. I called Lakeview Loan Services again and the woman I spoke to said that it should have gone out fifteen ( 15 ) days after it was paid in full. I asked them if they could send a new document, they could not answer or explain anything, the woman was silent, I finally just had had it, I felt like they didnt know what they were doing. It has been five months, I made several calls and finally someone gave me the number for the Consumer Financial Protection Bureau. I am hoping you can contact this company and resolve this issue. If my husband were to pass away, I could not sell the house. This is just wrong and Lakeview is doing absolutely nothing to correct the mistake they made. They have made no effort to contact us. Thank you for helping us out on this matter. I look forward to hearing from you soon. XXXX XXXX XXXX and XXXX XXXX XXXX | ||||||
| 05/15/2019 | Yes |
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| Company in question : Lakeview Loan Servicing ( subservicing by XXXX ) Goal : Obtain documentation from XXXX where overpayment of monthly mortgage is going. Issues : 1. From my bank I send {$1000.00} monthly ( fixed amount ). XX/XX/2019 I received an " annual escrow account disclosure statement '' dated XX/XX/2019 which raised questions. 2. The monthly fixed amount I pay for my mortgage is NOT correctly recorded at XXXX ( see info further below ). They are recording {$1000.00} - {$22.00} less than my actual payment. 3. I have no idea where the over-paid amount is going. 4. I can not reach the staff at XXXX. When I phone, a message says they are having " technical difficulties '' with a " one hour wait '' and to " call back in two hours ''. The web page to submit a written message does not work ( no form, nothing ). There is no other way to reach this company unless I write a letter. 5. No history of the actual fixed monthly payment amount from my bank ( {$1000.00} ) is documented on the website. As I have not checked my account at XXXX in over a year, I logged on. NO WHERE at the site does it record the {$1000.00} ( i.e. payment history, escrow, etc. ). There is NO history of ANY of my monthly mortgage payments ( that I could find ). Example : I paid {$1000.00} on XX/XX/2019, but the site ( see below ) shows {$1000.00}. This is a difference of {$22.00} on a monthly basis. XXXX Last Payment Received XX/XX/2019 Principal {$260.00} Interest {$490.00} Escrow {$300.00} _____________ Total {$1000.00} =================================== The XXXX website " payment history '' screen does NOT show the {$1000.00} payment for XX/XX/2019 ( or any date from that matter ), nor the overage payment of {$21.00} ( or where that money went ). See example below from the website " payment history '' page. ================================================== Due Date XX/XX/2019 Applied Date XX/XX/2019 Description MortgageInsuranceDisb Principal {$0.00} Interest {$0.00} Escrow Paid $ -XXXX AmountPaid $ -XXXX Escrow Advance {$0.00} Escrow Balance {$740.00} Principal Balance {$150000.00} ================================================== | ||||||
| 06/24/2023 | Yes |
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Web | |
| My complaint is against Lakeview Loan Servicing, a division of XXXX ( XXXX # XXXX ). In XX/XX/2023 it came to my attention that I was 30 days delinquent on a loan ( # XXXX ) serviced by Lakeview. When the loan had been transferred to Lakeview in XX/XX/2023, I had used their online portal ( https : //lakeviewloanservicing.myloancare.com ) to set up auto-pay on the balance each month. Unfortunately, their system did not process my auto-pay request correctly, and later when I checked up on the platform, I got a very misleading message on the platform that " Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. '' Moreover, even though I had registered for an account in XXXX ( see supporting document ), there was never any email communication that my loan was not successfully being paid down. The end result of Lakeview 's inadequate online service is that my loan ended up becoming 30 days ' delinquent for XX/XX/2023. I promptly called customer service and was able to rectify the situation immediately by paying the outstanding balance over the phone. I also received verbal confirmation that I would be able to get the delinquency status removed by emailing the XXXX team ( XXXX ). I sent a detailed email of the situation on XX/XX/2023 - see attached documents. It has been 3 months and there has been no response from Lakeview/XXXX I have never once missed a payment to any debt servicer in my life and pride myself for an excellent XXXX credit score, but this issue has negatively impacted my score by over XXXX points ( from XXXX to XXXX ). I have tried contacting the credit bureaus disputing the matter. XXXX and XXXX both accepted my dispute and initially increased my credit score back to XXXX. However, for the latest month, I was notified that my score went back down to XXXX - see attached document XXXX-score-history.pdf - I believe it is because Lakeview XXXX XXXX continue to send the credit bureaus a loan history reflecting the XX/XX/2023 delinquency. Thanks for your prompt attention and investigation into this matter. Regards, XXXX XXXX XXXX XXXX XXXX | ||||||
| 12/17/2015 | Yes |
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Web | |
| Original mortgage through XXXX XXXX Mortgage XXXX. Received a NOTICE OF SERVICING TRANSFER on XXXX informing me that the right to collect mortgage payments was being transferred to Lakeview Loan Servicing, LLC XXXX XXXX, XXXX effective XXXX XXXX, 2015. I called and spoke with XXXX XXXX Mortgage during the last week of XXXX to verify that they would not be automatically taking the mortgage payment out ( since I had automatic payment with them ) for the XXXX payment and instead to issue payment to Lakeview Loan Servicing. To date, I have not received any written or typed communication from Lakeview. The first communication I did receive was a single phone call at night on Tuesday, XXXX XXXX, 2015 at XXXX, and that was just an automated message telling me to call back the same XXXX number the automated message was calling me from, but during business hours. I have called back that XXXX number twice now, XXXX times traversing their automated-menu to try to reach a customer service agent, and XXXX times the system hanging up on me before connecting me to a customer service agent. The automated message also gave me a website to use ( XXXX ), however I am unable to use this website unless I have a Loan Number, which I have not been provided. ( I only have the original Plaza Home Mortgage Loan Number, which is not valid within Lakeview 's system ) On the original NOTICE OF SERVICING TRANSFER received from XXXX XXXX Mortgage, there was an address and different XXXX provided. I have called this number twice as well attempting to contact someone, and both times, get hung up on by the automated system before actually connecting with a person. On XXXX XXXX it 's listed that " your new servicer must deliver a transfer notice not more than 15 days after the effective transfer date. '' - This has not happened yet. I have had ZERO communication with Lakeview besides automated systems. I understand that on http : XXXX it lists that there is a 60 day grace that they can not charge me for a late fee or treat the payment as late, however I do not trust this new company at all given their astonishingly poor handling of the transfer so far. | ||||||
| 12/22/2020 | Yes |
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| I noticed on my most recent credit report that a mortgage late payment was reported for XX/XX/2019. However I gave pre-notification to the lender due to my income payment scheduling my mortgage payment would be sent towards the end of the month each month and I was insured it would not be an issue. Prior to the late payment of XX/XX/2019 I gave the lender notification my mortgage payment would be a couple days past due on the following month due to a payment error from my employer and the lender again further insured there would not be an issue. My correspondence with the lender was all done by phone other than the letters I sent them. The result of this single late payment ( which I gave pre-notification ) resulted in a major negative impact on my credit report dropping my credit score XXXX points. Aside from this unforeseen and unavoidable circumstance my mortgage payment record had remained unblemished. The negative impact on my score caused further financial hardship preventing my ability to refinance the mortgage to lower the payment which could have lessen the financial hardship. Furthermore I was also in the process of applying for a Small Business Administration ( SBA ) loan to purchase a pre-existing cash flow positive small business. The negative impact disqualified my approval of the loan. This in effect would have additionally strengthen my financial position as a reliable and dependable mortgage holder. I have since called the lender for a goodwill one time removal of the late payment. I have written them a letter for a goodwill one time late payment removal. I have sent a few dispute letters asking for the late payment to be removed. And I finally sent a XXXX attempt letter asking for a show of goodwill to please remove the late payment especially during this historic national and global pandemic crisis. I informed the lender if the late payment can not be removed as a show of goodwill I would send a complaint to the CFPB being I have made several attempts to have the late payment removed. The mortgage lender is Lakeview Loan Servicing and my mortgage account number is XXXX Thank you, XXXX XXXX | ||||||
| 03/01/2023 | Yes |
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| I have been attempting to establish tax escrow on my loan for over a year. I have provided all documentation requested multiple times, but never received a reply, and tax escrow is never established. I do not think my servicer is compliant with requirements under Reg X/RESPA and at this point have no faith they will ever establish tax escrow on my loan. I have included a copy of the most recent set of documents provided in XX/XX/XXXX along with all the information requested by their online form they require I use every time. I last provided and communicated this to them a final time with all possible information in XX/XX/XXXX after making another tax payment myself, and they again did not establish the account. I received another noticed from my county tax office that a payment is due for XX/XX/XXXX. When I called my servicer today, they advised they " see multiple requests in the system- but it wasn't being done for some reason ''. They advised I would need to pay it again, send the receipt and all information again ( now the 3rd or 4th time information will be provided ). This call was over 30 minutes long, as all the others have been. - multiple occasions requested ( and noted in their system ) tax escrow added, most recently XX/XX/XXXX. - provided all required documentation requested by servicer, by submitting to their website - provided documentation on multiple occasions, including every possible document available to me from my county tax agency- was never contacted as to any issue or defect with submission, never received any reply - multiple phone calls 30+ minutes in length, most recently XX/XX/XXXX - no information, documentation, or response available online to reference this issue at any point - no phone call received about this matter, only contact ever from them is marketing and ads- again advised XXXX pay it myself and call back with a ticket number so they will take care of it- in XXXX, advised the company that their failure to establish escrow over multiple requests was a servicing violation and advised i wanted to file a complaint and escalate the matter, but nothing was done | ||||||
| 07/02/2021 | Yes |
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Web | Servicemember |
| I was in Forbearance per the CARES ACT from July 2020-Feb 2021 ( 8 months ) Prior to being on forbearance I've never missed a payment in 11 years. I agreed to a loan modification to pay back the missed payment over the course of the loan and I was told I must complete a 3 month trial payment period of higher payments and after thats completed sucessfully I would get loan modification documents to sign. I got the paperwork on XX/XX/XXXX, XXXX.I contacted the Loss Mitigation supervisor, XXXX XXXX at XXXX and I told him the documents payment amount was wrong, because I'm permanently exempt from property taxes in Texas. I also told him I don't have a problem with the hazard insurance amount even thought I hadn't had an escrow account since XXXX since I pay home insurance monthly. He said they'd get new documents to me. All I got was a letter stating that I missed 10 payment past due and to call them for assistance.They had sent me a Mortgage Assistance Application requiring a lot of info. Also after completing the 3month trial payment period from XXXX - XX/XX/XXXX they sent me a letter concerning my escrow overage which was owed to me in XXXX and they said since I'm past due on payments I won't get it and they are keeping it that was on XX/XX/XXXX. I called back on XX/XX/XXXX since no new modification documents came in and I spoke to a rep named XXXX, she assured me it would be taken care of and that nothing was done about it when I called on XX/XX/XXXX. She said new documents would arrive in a week. It's been over a week and I sent an email directly to the Loss Mitigation dept and no one has responded to me and today is XX/XX/XXXX. I got an email stating I have 6 days to sign my old incorrect loan modification agreement on XXXX XXXX.I called XX/XX/XXXX and spoke with the insurance supervisor named XXXX and I we confirmed the XXXX payment with the home insurance included. But she said it still had property taxes on it and when she transferred me to Loss Mitigation no one answered. These people are trying to take my home and I need help. LAKEVIEW LOAN SERVICING LLC, subservicing by XXXX XXXX | ||||||
| 04/15/2019 | Yes |
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| Shortly after closing on my loan which took place approx. XX/XX/2016 my loan was sold and began Servicing with Lakeview who services through XXXX. I contacted the number on my statement back in 2016 to set up what I believed to be a bi-weekly payment structure. As evidenced by my withdrawals in my checking {$400.00} per month has been pulled from my account for quite some time. Today I contacted them and was told XXXX does not do bi-weekly payments they pay the investor which I understand to be Lakeview on a month to month basis. So they have been getting 1/2 of my payment then holding for the remaining and when a full payment is in hand then they make the payment. This is frustrating because this is not necessarily how this was explained back in 2016. I asked to reach Lakeview directly and was given an 800 # to contact them. This went to a different 3rd party company that promoted a equity excellorator program ( aka bi-weekly payment ) plan. They wanted {$290.00} enrollment fee and $ 5.40ish per month for a servicing charge. I asked them if they were either Lake View and or XXXX and a guy named XXXX stated they are neither. Reflecting back I think this also is the same procedure I went through in 2016 and have already paid this set up and servicing charges. I think there is something very strange in the way I keep getting bounced to XXXX, they don't acknowledge that they are in fact the ones pulling money from my account each month yet they are listed on each withdrawal. And now this 3rd company of which is neither XXXX nor Lakeview wants to reset this up with me again and can not find any record of my account anywhere. I can not seem to locate a direct phone contact number to Lakeview to discuss this, and keep getting rerouted back to XXXX. This feels very fishy and I feel the past 2+ year I have paid for a service that I am not getting and there is some sort of scam or fraud going on that I can not pin down and need help. I feel there has been a difference in the money I have paid out vs what has been correctly applied to my loan and would love to see this analyzed fully. | ||||||
| 05/14/2022 | Yes |
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Web | Servicemember |
| I submitted a hardcopy letter and payment receipt to my Mortgage company ( LakeviewXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 stating that I had already paid my property taxes for whole year ( paid in full {$840.00} on XX/XX/2022 ). I never received any reply or acknowledgement of my letter. I received an email on XXXX XXXX, XXXX stating that a disbursement was made on my behalf for {$420.00} to my property taxes. I sent an inquiry as to why a payment was sent after it was already paid in full. I never received a reply. I called and resubmitted my inquiry on XXXX XXXX, XXXX via their online inquiry page. I received an automated reply stating that my inquiry was being sent to the proper department for review and should receive a response soon. However, today is XX/XX/2022 and I still have not received any reply from this company! I have had the same problem with this company for the last three years. I have asked to remove the Escrow and just allow me to pay my property taxes and homeowners insurance on my own, which I already do anyway. In the last two years, I have had my homeowners insurance policy cancelled and I had to call to reinstate them because my Escrow sent the payment, but not with enough time to process a " bulk '' check to the company. I asked why they were still sending paper checks and " bulk checks '' instead of handling my payments electronically, or paying them directly from my Escrow to their company to avoid termination of my policy for not getting their " bulk check '' out in time. I never received an answer to that either... I have asked to remove the Escrow altogether because they are doing a poor job with taking care of things or following instructions. A mishandling of my money and time! I was told they couldn't remove the Escrow unless we had paid off a certain percentage of the loan. We have refinanced twice with this company and each time, they still XXXX something up. Since I am not worth the courtesy or a return phone call, a return email, or a follow up correspondence letter, I am filing this complaint now. I am tired of being ignored. | ||||||
| 01/27/2020 | Yes |
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| I purchased my home in XX/XX/XXXX and after a couple/few months, my mortgage was sold to Lakeview Loan Servicing. In XX/XX/XXXX, I mailed my mortgage payment ( a check in the amount of {$1000.00} ). Nearing the end of the month, the check had not been cashed and the mortgage company claimed they never received it. I then had XXXX XXXX XXXX complete a " stop payment '' on the missing check, and I proceeded to make ANOTHER payment, online. On XX/XX/XXXX, {$1000.00} was taken from my bank account to pay my XXXX mortgage payment.. Fast-forward to XX/XX/XXXX, I received a letter stating that my XXXX check, in the amount of {$1000.00} was returned as " no sufficient funds. '' I called my mortgage and explained to them that I put a " stop payment '' on the account, because the check was missing and if I made another payment and the check re-surfaced, the check would bounce. I spoke to my mortgage company SEVERAL times in the month of XXXX and was told that the issue had been resolved, and my next mortgage payment would be due on XXXX. On XX/XX/XXXX, I made my XXXX mortgage payment online ( the funds came out of my account on the XXXX ). Starting XX/XX/XXXX, I began receiving robo-calls from Lakeview. I returned their call and was told that it was a courtesy reminder for my XXXX loan payment. I explained that I paid my mortgage, and that the funds came out of my account on the XXXX. Lakeview then tried to tell me that on the XXXX, there was a " reversal '' for " insufficient funds. '' I informed them that that was an ERROR, because the money came out of my account ( there was still money in my account ) and NEVER went back in. On XX/XX/XXXX, I contacted XXXX XXXX XXXX for proof ( statement with tracking number ) of my XX/XX/XXXX payment - this informed was sent to the mortgage company. On XX/XX/XXXX, I received an email from Lakeview stating that indeed, they did receive my XXXX payment, however, they used the payment to pay my " missed '' payment in XX/XX/XXXX .... As of XX/XX/XXXX, I am having to provide proof AGAIN, that my mortgage payment for XX/XX/XXXX was indeed made. | ||||||
| 11/17/2020 | Yes |
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| I had an FHA loan that was put into forbearance in XXXX. We made our last payment XX/XX/2020. Before that date we were current on our payments and never missed a payment ( we were current throughout our entire forbearance ). Our home was sold on XX/XX/2020 and the loan was paid off in full. However, our mortgage servicer ( Lakeview/XXXX ) is not only reporting us 90 days late, they are showing us with a late payment in XX/XX/2020, two months after the close of our mortgage. We attempted to get prequalified to purchase a new home and have been unable to do so as a result of their negligence. We have been attempting to handle this with Lakeview/XXXX for the past two-three weeks with no success. They have promised someone would call multiple times which never happened. They sent a " letter '' to correct their mistake which was the same letter they sent on closing showing the loan was paid off. Originally, they said they had never reported us late to the credit bureaus, then required me to show them which credit bureaus were actually showing late. Once they had that information they said it will take 30 days to fix the problem even though it is their mistake. They are in clear violation of the Cares Act and the Fair Credit Reporting Act. I made all of my payments on time and fulfilled my obligation. Now, I am unable to purchase a new home due to them not only reporting me 90 days late, but reporting me late in XXXX 2 months after the close of the account. The email thread between myself and the mortgage provider is extensive. Today, I finally gave them until XXXX to call me to try to clear this up. It has been two weeks of them stringing me along. They said to give them time, someone would call. I said I needed someone to call today by XXXX ... they have had two weeks of time. They then said it would take 30 days to fix. I am tired, I did nothing wrong and I know I am not the only person who they have harmed in this manner. I am hoping by filing a complaint with you it will get someone's attention and possibly help someone else who has been harmed in the same manner. | ||||||
| 10/08/2019 | Yes |
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| First Quarter 2019 : Submitted to have PMI removed to my loan servisor, XXXX. I was rejected and told I needed an appraisal. I agreed to the appraisal and paid for it. The appraisal was completed and a new value was determined. The new loan to value ratio did not reach the XXXX 's requirement until XXXX. XXXX : Submitted for the removal of PMI since I had calculated that My Loan to Value ratio reached their threshold of 75 % XX/XX/XXXX : Received a rejection letter XX/XX/XXXX : Called I disputed the PMI removal rejection. They said I needed to fax to XXXX to dispute with any documentation. Fax sent on XX/XX/XXXX with a letter, calculations and their previous appraisal. XXXX : Called. The fax did not reopen the case so I had to request that it be reopened. Explained to the rep that my calculations are correct. The rep agreed XX/XX/XXXX : Called. Rep confirmed that the case was re-opened and that I would have to wait until XXXX to hear the conclusion. XXXX : Called to get results of re-opened case. Rep said that PMI removal was denied due to LTV ratio not being 75 % or less. I explain again that it does and the department that does the calculations is using the wrong numbers. I also tell them I faxed in all the documentation. The rep says that the fax didn't get linked to the case. The rep says that I need to email the documents so that it is attached to the case. This is different from the call on XX/XX/XXXX. The rep said that once I email the documents via their web form, I will get a ticket number that she can used to pull the documents and attached to the case. I never got the ticket that day. XXXX : Still have not received a ticket number so I resubmitted the documents. Still did not receive a ticket Note : They have the current property value. It is displayed when I log into the portal. The are using the original property values from when I purchased the house instead of the current property value. The new value was determined in XXXX by an appraiser that they hired. They have all the data but they will not use the correct data to make the calculations. | ||||||
| 03/22/2022 | Yes |
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| We started to Refinance our rental home in XX/XX/XXXX after receiving a letter in the mail with the amount they can save us on payments. We are still in this process and we are constantly sending information over to the underwriters. Every couple months we are resending bank statements, P & L from all of our businesses. In XX/XX/XXXX we have a new loan processor and she requested items that we had already sent but we sent again. In XXXX they requested our XXXX XXXX 's. We sent them our tax forms that we file to the IRS and are completed by a certified accountant. My husbands computer crashed and now they want to request a copy of the W2 's from the IRS. So we signed the papers in XX/XX/XXXX for them to get copies of the W2s. After sending more bank statements and P & L statements for our multiple companies and all bank account information again in XXXX. Now they have assigned the house to be appraised again ( we had this completed in XX/XX/XXXX ) On XX/XX/XXXX we and to send all of XXXX statements again and then they had to run our credit again on XX/XX/XXXX. Of course by now my husband had to purchase a new bus for his business and we have to submit all of this paperwork. Then on XX/XX/XXXX they want all current pay stubs and information on a previous employer for my husband. XXXX XX/XX/XXXX they also wanted a release to check our credit report ( they already did this we get the notices ) so we sign this after the fact! On XX/XX/XXXX they needed more information and we did not respond because our son was getting married. My husband did send them the information on XX/XX/XXXX and then on XX/XX/XXXX requested the same information. And today they requested more bank statements and P & L for our businesses and for us to sign another form to request more W2 's from our taxes in XXXX and XXXX 's again. I believe this has all been a stall tactic because they hold our loan at a higher rate and we received the letter to receive part of the refinancing at no charge. Now to switch to another lender we will not be locked in at this low rate. This company is a joke. | ||||||
| 06/30/2021 | Yes |
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Web | Servicemember |
| I was in forbearance under the CARES act due to COVID 19 with my original lender ( XXXXXXXX XXXX ). I received a letter dated XX/XX/XXXX about a VA trial plan offer. I started making trial payments with my original lender XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. The trial payment amount agreed to with XXXX XXXX was in the amount of XXXX, and my interest rate was staying the same at 2.875 % under the modified terms. My maturity date was moved from XX/XX/XXXX to XX/XX/XXXX as a result of them " tacking the balance onto the end of the mortgage '' After I made my first trial payment, my loan was sold to my current servicer ( ( Lakeview Loan Servicing ) XXXX ) effective XX/XX/XXXX. I contacted them several times throughout the month of XXXX attempting to make a trial payment for XXXX, but was told I could not repeatedly due to my mortgage being " in review ''. I was told not to worry since I was within a 60 day grace period, and the underwriters were waiting on and reviewing information sent to them from XXXXe Bank. I have attempted throughout all of XXXX and XXXX on at least 5 occasions to pay my mortgage trial payments, but have been rebuffed at every turn. I was informed earlier this week by XXXX that my interest rate would be increasing to 3.5 %, and my new payment would be somewhere around {$2100.00} a month. I was not aware a credit report was run against me without my knowledge, but was informed that is what I qualified for due to my credit. On XXXX and XXXX I asked for any documents from this decision to be given, but was told that I'll get them eventually and I can either turn it down or accept the modification Turning it down means paying the owed balance of $ XXXX, which I don't currently have. I also asked if XXXX was aware of my previous trial payment plan with XXXXXXXX XXXX, and they did not offer any acknowledgement. I can not leave this lender without paying $ XXXX, or making my on-time trial payments. They have removed my ability to successfully make my trial payments, and are attempting to increase my interest rate arbitrarily. | ||||||
| 10/13/2017 | Yes |
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| We have a loan through XXXX lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that XXXX lending services has sold our loan and we would be making payments to Lakeview Loan Servicing , LLC on the XXXX of XXXX. On XXXX XXXX our mortgage was withdrawn by XXXX lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out XXXX, This made no sense to me because the agent could see the XXXX payment on her computer screen this was evident by her statement, " ok i see the payment on the XXXX and the XXXX '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. After that i called XXXX XXXX about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. It would be XXXX thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out XXXX in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help. When i spoke with XXXX today they said it was a glitch with Lakeview loan servicing llc computer. | ||||||
| 01/14/2020 | Yes |
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| Lakeview Loan Servicing/XXXX is a nightmare. I just filed a complaint against them a few months ago and was told that everything was straightened out and that I did not owe a payment until XX/XX/XXXX. This was an ongoing ordeal that I finally got resolved after months of phone calls, harassing letters and misinformation given by this company. They messed up our escrow, messed up our payments, sent several threatening, harassing letters, all the while telling us that it was being worked on and resolved. After filing a complaint with your organization, I was told that the escrow was fixed and that payments were applied correctly. I received my XXXX statement dated XX/XX/XXXX that clearly states that there is no past due amount and that my total amount due is {$820.00}. No late fees, no late payments, nothing behind at all. Today I received a certified letter from XXXX telling me that I am three payments behind, counting XXXX ( which I do need to pay - the statement tells me I have until XX/XX/XXXX before it's considered late ). I am currently on the phone with XXXX, who of course, doesn't know what's going on and is telling me that all the payments that were fixed previously have been rolled back and now I am being assessed for XXXX, XXXX and XXXX and now my escrow amount is being listed at the original {$6400.00} that was in dispute and I was told was completely resolved. They are assessing me {$2500.00} in mortgage payments that again, I was told was fixed and assessed, leaving me with no past due payments, with a current payment due of {$820.00}. I want this company cited, fined, and forced to stand by their word when they tell someone that the issues are resolved. I received no phone call, no voice messages, no emails, no notification AT ALL that there was any kind of issue with my mortgage until this letter today, XX/XX/XXXX. I am beyond livid at this point. I can't just pull thousands of dollars out of my tail every time this company messes something up. Please help us resolve this issue with this horrible company. | ||||||
| 07/30/2019 | Yes |
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| Mortgage was opened in XX/XX/XXXX through a local bank and immediately sold to XXXX ( Lakeview ) Loan servicing out of Virginia. I paid my mortgage in split payments every month with no problem until XX/XX/XXXX. My first payment of the split payments somehow was applied entirely to principal which began a downward spiral. In XX/XX/XXXX I was charged a late fee which was reflected on the bill mailed on XX/XX/XXXX. I called and they said they fixed it and waived the late fee. They told me I cant split payments. Since I had already made one-half payment for my XX/XX/XXXX ( XX/XX/XXXX ) bill. I made the other half of the payment. On XX/XX/XXXX, I called to straighten out XX/XX/XXXX and XX/XX/XXXX and they told me it would be 7-10 business days to get it straightened out and would not be reflected in my credit score. I called back XX/XX/XXXX and to follow up and they said they needed more time. I then called again XX/XX/XXXX and asked to speak to a manager. After waiting 40 minutes on hold the manager told me it would be straightened out in 48 hours since it was supposed to be resolved by XX/XX/XXXX. I am now calling back to follow up again and have been on hold for 1 hour and have not yet spoken to anybody. I reluctantly paid {$1100.00} more on my XX/XX/XXXX payment so the loan wouldnt be considered delinquent anymore to avoid this happening again next month. In the meantime I am trying to refinance my mortgage thru a local bank that has assured me that they will not sell it. Although I was approved, XXXX has reported a missed mortgage payment to the credit bureau and it has affected our ( my husband and myself ) credit score by decreasing it 110 points. My local bank can not close on my approved loan until XXXX fixes my payment history and our credit scores. Despite my diligence in following up, they are not answering my calls. This company should not be in existence considering they cant seem to get anything right. This is my 3rd house and I have never had this much trouble paying my mortgage nor have I ever had a late payment. | ||||||
| 02/05/2020 | Yes |
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Web | Servicemember |
| Issue : Mortgage Company will not establish a new loan to accept my payments and will not communicate with me on how to resolve issue. On XX/XX/2019 I was closing on a refinance of my home with my original loan service " Lakeview Loan servicing by XXXX ''. Upon signing I found incorrect information one item was a simple fix of an address. The other item was an incorrect amount of {$250000.00} listed as " Amount of Mortgages and Liens '' and {$1500.00} " Mortgage Payments ''. I question the amounts as originally I purchased the house for {$200000.00} and at the time of refinancing I owed approximately {$190000.00} and paid a mortgage payment of approximately {$1300.00} a month. The representative at closing was not able to help nor reach anyone available to help. I refused to sign the paperwork with incorrect figures as this is a legally binding document and failed to close. On XX/XX/2019 I submitted to cancel using my " Notice of Right to Cancel '' paperwork that was given to me because my loan officer, XXXX XXXX XXXX, would not provide clear directions on how to correct this paperwork nor would he send corrected paperwork for me to sign. The loan was cancelled and Mr. XXXX promised to make it right by refinancing at a lower interest rate vs. me leaving to find a company more keen on details. After a few months the second refinance was never submitted by my loan officer and my original loan was paid in full even though the first refinance was cancelled. Mr. XXXX ignored emails and forwarded them to XXXX XXXX a loan processor of XXXX XXXX XXXX XXXX XXXX on behalf of Lakeview Loan Servicing NMLS # XXXX to which no resolution occurred. I have attempted to contact Lakeview customer service multiple times but that also did not provide a solution, customer service responded with " We must have sold your loan ''. I have not received any notices from any other company for servicing my loan. For the last 8 months the company will not take any payments as it shows both my original loan and the failed refinance loan as paid in full. | ||||||
| 03/04/2019 | Yes |
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Web | Servicemember |
| This has to be a strange chain of events. I was discharged from Chapter XXXX bankruptcy in XXXX of 2018. The reason I filed bankruptcy was divorce and XXXX. Over that time I worked extremely hard to get back on track with life and my finances. The house that XXXX serviced is still not sold but I was able to secure an FHA loan this XXXX and before my first payment, my new loan was sold to XXXX. Now Ive already been down the road of having to file multiple complaints against this company for debt contact or false statements on my credit report after the bankruptcy to the point that the state AG was involved. But how can I talk to this company when legally we arent supposed to talk and they already have me stuck on a title for a home I can not sell, they will not sell and is why I want FHA since mortgage cant use my VA loan again until they sell the home? On XX/XX/XXXX, I set up two things on their site. One was a one time payment which was scheduled for XXXX. The due date of the payment. The other is for automatic withdrawal. Ive been on hold for 34 minutes trying to talk to someone. My payment has still not come out of my bank account. Which btw, considering the past issues Im not sure its ethical for the bankruptcy business should have new access to my financial information moreover any access to my account - what if they try to take funds for the other account Im discharged from? Interest in a mortgage is a daily thing. Today is XXXX. Their site and the email confirmation said it would come out that day. The funds are in my account. I have validated no issues and called XXXX XXXX XXXX already. There is no pending withdrawal from this organization. I have been told by my bankruptcy attorney that is should not say yes to any questions from Them authorizing them to start harassing me again. Well how can I do that when again theyve purchased my new loan? Bankruptcy and recovery from it should not be his hard. Most people dont recover as fast as I did but I made it and Id like to not have to go through this personal XXXX again | ||||||
| 01/27/2020 | Yes |
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| Great morning, On XX/XX/XXXX I started the process of doing a " Streamline '' refinance with Lakeview loan servicing LLC. All of the required documents were submitted within a timely manner. After receiving terrible customer service I requested that I receive new loan officer and/or loan processor on XX/XX/XXXX. I was totally ignored and they continued to put me on the back burner with no communication. I repeatedly tried getting updated on the status of my refinance from my loan processor and loan officer but they kept giving me empty answers. They also started blaming each other for my inconvenience and sending me back and forth. Prior to XX/XX/XXXX they no longer answered my emails or phone calls and they started blaming the title company and my 2nd mortgage lender for my inconvenience. Eventually I reached out to the title company and they let me know that Lakeview loan servicing LLC informed them that I was doing a regular refinance so they were waiting for my credit report and property appraisal. Lakeview loan servicing LLC misinformed them because a " streamline refinance '' does not require this paperwork. Lakeview loan servicing LLC also told me they sent paperwork over to my 2nd mortgage lender for the subordination letter. I reached out to my 2nd mortgage lender and they confirmed that they never received any request from Lakeview loan servicing LLC ( I have this documented via email ). After this tedious process of finding out I have been getting lied to I let Lakeview loan servicing LLC know that I am aware of the inaccurate information given to me. Now here it is XX/XX/XXXX and I still have not closed on my refinanced loan because they are saying my file is closed because my XXXX payment went through on the XXXX of XXXX which is outrageous. My payment was made in XXXX and I should have already closed on my loan months ago because minimum information is required for a " streamline refinance ''. This is my first home as well as first refinance and Lakeview loan servicing LLC has emfacticly under served me. | ||||||
| 01/12/2023 | Yes |
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Web | Older American, Servicemember |
| I have a mortgage with Lakeview Loancare and have been making bi-monthly payments since XXXX of last year. I am retired, and make payments based on when I get paid which has become an issue. Social Security pays on the XXXX Wednesday of each month. This means some payments come in a week later than others, depending on the month. XXXX charges a late fee if full payment is not received by the XXXX of the month. I have called XXXX repeatedly over the last 5 months to try to get some kind of help, while the late fees continue to accrue. Today I was told, basically, too bad, the due date cant be changed, and by the way, we know were getting the full amount each month, heres your late fee anyway. Heres what really frustrates me : I can not get ahead no matter what I do. If they dont have the full payment by the end of the cycle, EVEN IF I PAID A FULL MONTH AHEAD, I will still be charged a late fee! They refuse to work with me in any way. If I pay my auto loan ahead, its ahead. My mortgage? Apparently not. This is simply predatory. Ive called multiple times to fix this, and not been given a solution. XXXX automated payment system will not allow additional monies to apply to the principal, and they are not set up to allow bimonthly payment. I have to make principal payments separately and specifically. Therefore I use my bank payment system to make my bimonthly payments, and XXXX system only for additional principal payment when I can afford it. I will refinance as soon as its economically feasible but in the meantime Im stuck with this company. Other mortgage companies I have used automatically applied extra monies to apply to the principal. Not XXXX! I can and will change how I pay this mortgage, and will do so immediately, at great personal hardship. However, XXXX refuses to reverse the late fees. The escalation XXXX I spoke with said XXXX fees ( out of XXXX ) could be reversed if I made an immediate full payment while I was speaking to her, but doing so would not affect future late fees, as it does not put me ahead. | ||||||
| 06/02/2021 | Yes |
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| On XX/XX/2021 we received a letter stating that the loan servicing for our property ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) was being moved from XXXX XXXX XXXX XXXX XXXX ) to Lakeview Loan Servicing. The letter from XXXX said a loan number was still to be determined. We waited on additional paperwork including the loan number to arrive, but by the end of the month we had not yet received it, so we sent in our next payment to XXXX as that was the only payment information we had available. Additionally on the paperwork from XXXX stated that any payment made to them within 60 days of the loan servicing being transferred between companies would be accepted without being considered late. After we submitted our XXXX payment, Lakeview 's paperwork arrived, and we assumed the loan payment to XXXX would be provided Lakeview per the XXXX paperwork. Last week we submitted our XXXX payment to Lakeview. Now I'm getting contacted by Lakeview Loan Servicing saying that I am delinquent on my loan payments which I am afraid will negatively impact my credit score because it is reported as a late payment. Lakeview claims they are investigating where the payment is, but I'm currently marked as deliquent on the website. I attempted to contact Lakeview via their online form, and my requests keep getting closed without any response. When I called, they said there is a " payment investigation open, but they couldn't provide any updates or details. Additionally, they could not provide a tracking number or reference number in order to know that this is actually happening. Based on my other requests being ignored I have no confidence this issue will actually be resolved. I also spoke to a supervisor XXXX, employee ID XXXX, from Lakeview Loan Servicing who was unable to assist me as well. New Loan Servicer - Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Old Loan Servicer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Finally, I've attached screenshots from my XXXX account showing the payments have been sent out. | ||||||
| 10/31/2019 | Yes |
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| We had a HERO loan on our property that we paid off in XXXX of this year. I called to notify Lakeview that the loan was paid off and so I needed an Escrow Analysis to recalculate my escrow payment. Lakeview refused to do anything without a recalculation for the property taxes, which the tax collector does not put out until XXXX. On XX/XX/XXXX, I received my property tax statement and immediately sent it to Lakeview with a request for an escrow analysis to recalculate my escrow payment. I was not given a confirmation number but I did print out the " Thank you for Contacting Us '' auto-response. At this point, Lakeview has {$6700.00} sitting in my escrow account. My property taxes are only {$3700.00}. My escrow payment is {$850.00}. By XX/XX/XXXX, I still had not received a response so I called back. The customer service representative that I spoke to told me that they had not received my document but that it would not matter because Lakeview would not do an Escrow analysis based on my tax statement, only historical payments and so I would not receive a change in escrow until the XXXX tax year rollout. I requested to speak to a supervisor who confirmed that I could, in fact, request an Escrow analysis with my property tax statement and asked that I email it to him which I did. On XX/XX/XXXX I received an email from Lakeview stating they received my submission, had escalated the inquiry, and would respond to me within 3 business days. By XX/XX/XXXX I still had not heard from Lakeview and called to check status. I was told by the Customer service representative that she spoke to her supervisor and she would look into it and call me back by the end of the day. I still have not heard from Lakeview. Lakeview has enough in my Escrow account to pay my property taxes almost twice. In addition, they are charging a significantly high amount each month for my escrow payment. If I owed Lakeview this much money they would be assessing fees and penalties already. I don't know what else to do to get Lakeview to respond. | ||||||
| 07/03/2023 | Yes |
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| My husband and I sold our home and were owed {$4900.00} by Lakeview Loan Servicing , LLC from the escrow refund. Someone else cashed this check into their account. On XX/XX/XXXX I received a call from a fake XXXX XXXX XXXXXXXX number ( XXXX ) asking me if I authorized someone not related to me to cash in a check. I said no and they said they were going to void the check as it was fraud. I asked who was trying to do this and they said they could not provide me information about that but that it was in cashed in California. I called Lakeview immediately at XXXX XXXX to notify them that someone tried cashing in the check they sent me. Lakeview said they could send me another check, but that they could not do that until 30 days from the date the check was issued. It was issued on XX/XX/XXXX so I had to call back after XX/XX/XXXX. On XX/XX/XXXX I called Lakeview again and they said they were going to be mailing me another check. On XX/XX/XXXX I called to check the status of this as no check had arrived. They told me they did not send out a second check because the original one was cashed on XX/XX/XXXX. I told them this should not have happened as I alerted them on XX/XX/XXXX about the fraud. I have called Lakeview multiple times asking for my money. They said the check they sent me was endorsed and when I asked for a picture they sent me a picture with the endorsed part cut off. I let them know and after being placed on a long hold, they sent me a picture that with someone else 's name on the endorsed section. They give me conflicting stories each time I call and sent me some forms to mail to XXXX XXXX. XXXX XXXX has told me multiple times that they can't help because Lakeview is the one with the account, not me. Today when I called Lakeview they had another phone number attached to my account XXXX XXXX ). This number does not belong to me or my husband. I looked it up and the number seems to belong to someone in New York. My husband and I would like for Lakeview to pay us the money we are owed. | ||||||
| 04/25/2020 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I refinanced my VA Loan. XX/XX/XXXX I received my XXXX XXXX XXXX rating, with final notification in XXXX. I informed XXXX VA tax office and I received a property tax exemption letter dated XX/XX/XXXX from XXXX Dept of Finance Revenue Division saying that I was exempt from property tax retroactive to XX/XX/XXXX, and any taxes paid would be refunded. The Treasury Dept promptly refunded my 4th quarter taxes ( XXXX, XXXX, XX/XX/XXXX ). I informed Lakeview Loan Servicing LLC on XX/XX/XXXX and uploaded the exemption letter. I followed up with an email on XX/XX/XXXX and received an automated response. On XX/XX/XXXX I emailed again and uploaded the exemption letter again. I received a new escrow analysis from XX/XX/XXXX that actually increased my escrow and did not acknowledge the tax free status. On XX/XX/XXXX, customer service re-initiated my " ticket ''. On XX/XX/XXXX, Lakeview Loan Servicing received my certified letter explaining the deficiency, and outlining the proper escrow analysis for XXXX taxes. On XX/XX/XXXX, Lakeview Loan Servicing produced another identical escrow analysis ignoring the tax exemption. I have had multiple phone calls and sent a notarized return receipt certified complaint on XX/XX/XXXX, received on XX/XX/XXXX. Lakeview Loan Servicing continues to bill for an escrow account that is now three times the maximum allowed by law and over {$4000.00} in surplus because they refuse to adjust the analysis for the KNOWN tax exemption. This equates to over {$1000.00} per month of excessive billing. My escrow account has ~ {$6100.00} now, with annual disbursements of only ~ {$1600.00}. All my payments are made on time. Lakeview Loan Servicing changes their story repeatedly, has told me a new analysis would be done on XX/XX/XXXX, XX/XX/XXXX, then XX/XX/XXXX and never completed the appropriate work. Their final claim was that the city website showed taxes from XXXX so they had to use that and could not use the exemption letter FROM THE TAXING AUTHORITY?? | ||||||
| 01/31/2018 | Yes |
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| I recently closed on my home on XX/XX/XXXX. My mortgage then changed hands and is serviced by Lakeview Loan Servicing , LLC. My payment includes taxes and insurance however I applied for the XXXX XXXX with my city, which was approved. Once I received the updated tax statement I faxed it to Lakeview Loan Servicing , LLC and requested them to confirm with me upon receipt. I never heard back. I sent an email and I have tried AT MINIMUM four times to reach customer service about my escrow account via phone ... their recording would say they had a high call volume and to leave a call back number. I have done this THREE times. I received a call back over a week after my initial request ... Though I am not sure if my email to customer service or my request for them to call me triggered the call back. Regardless, whomever I spoke with told me that my account would be updated by XX/XX/XXXX. It is now XX/XX/XXXX and YET AGAIN I have not heard back and my payment amount has not been updated. I sent ANOTHER email on XX/XX/XXXX and have not heard back from that request either. I find the lack of customer service to be unacceptable. The ONLY way I was able to talk to someone was when I opted to speak with someone about my insurance, because this company also had an error with my insurance information ( no fault of mine as I have had coverage and its paid for with my mortgage payment ). After I resolved the insurance information I asked the woman to connect me to customer service because I am not able to reach them, she said she would stay on the line but then transferred me to another recorded line instead which eventually hung up on me. Being unable to reach my mortgage and have my payment adjusted down to where it should be is not acceptable. They also now will need to back date and update the additional payment amount to principal however I can not get ahold of them in a timely manner, they have left me with no choice but to write this complaint in the hopes to get this matter resolved. | ||||||
| 06/04/2020 | Yes |
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| Lakeview Loan service or XXXX service. The loan service was contacted on XX/XX/XXXX for 41 minutes due to not being able to log in to my account on either the app or website. After re-setting my password and re-registering my account twice the tech support was not able to help me and I was told I would receive a phone call in a few days with other solutions. I never received a call but tried to log in a week later and it seemed to work. Saturday XX/XX/XXXX. Customer service called about login problems with same error message and was on the phone for 30 minutes with no resolution with payment due on XX/XX/XXXX. Was told my problem would be forwarded to Tech support and they would get back to by by Wednesday and my payment would not be considered late until XX/XX/XXXX. Today, Thursday XXXX, I still had no word from tech support and numerous login attempts and password re-setting later, I contacted the customer support line again. I was told to reset my password with the same directions as previously failed with error message " Problem occurred trying to validate credentials. Please try again. '' I was transferred to the tech support team, had my account deleted twice and had to re-register twice. The second attempt was successful. Asked the support woman to stay on the line while I made a payment ( she did not ) and then logged off and attempted to log back on the my account ( after making a payment ), and was given the same error message. All of this took another hour of my time and has yet again failed to maintain my ability to make payments or log on to make sure my land taxes came out of my escrow account later this month. Although the gentleman that originally helped my on XXXX was kind and helpful, there was no follow through. The woman from tech support today was rude and condescending with accusatory tones that somehow my ability to login to my account must not be the companies fault since they could not see anything on there end that would cause such a problem. | ||||||
| 04/25/2022 | Yes |
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Web | Older American |
| My home was in forbearance for XXXX XXXX during XXXX. I started receiving letters from XXXX XXXX XXXX that I needed to start back making payments after the end of forbearance XX/XX/XXXX. I was told my payment would be XXXX ( this not the exact amount because I cant remember the exact amount. ) I notified XXXX that I had divorced my husband on XX/XX/XXXX, XXXX and I had legally changed my name back to my maiden name if XXXX XXXX XXXX requested documentation of the divorce and my name change which I did. When I received my loan modification paperwork they had my then ex husbands name on the paperwork with a new payment of XXXX and some change. Each time I would receive new loan modification there was still name errors on the loan modification. This continued up until XX/XX/XXXX when my ex husband died. XXXX requested his death certificate which I provided. This loan company could NOT get this straightened out with my name change and removing him from the loan papers. I would call XXXX each month which during this time my new house payment kept changing by increasing. The last loan modification I received was XX/XX/XXXX which showed my payment to be the XXXX payment due XX/XX/XXXX which I didnt receive until the first week of XXXX. Today I became completely fed up with the underwriters handling of my loan modification so I called XXXX and spoke with a person who kept talking over me so after 20 minutes I hung up. I later called back and spoke with someone when the phone began to have so much static I could not hear anything she was saying. The next thing I know I was put on hold. After 35 minutes I hung up. I called back later and spoke with a call taker. She advised she saw that my payment is XXXX due XX/XX/XXXX. She told me she was going to put me on hold to talk to someone in loan modification when after 44 minutes I hung up. I do not think I should have to pay a higher payment due to their incompetence and the interest rate increasing. This has been a complete nightmare! | ||||||
| 02/14/2022 | Yes |
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Web | Servicemember |
| To Start we were contacted by our current mortgage company Lakeview to do an XXXX, back on XX/XX/XXXX. We closed on the loan in XXXX XXXX. We were told no refinance was required that we can get the interest lowered to 2.5 %. My husband and I agreed. Once my husband received a letter from the VA that he was now 100 % XXXX, we sent that paperwork to our county office to have that document recorded. The county of XXXX XXXX sent a letter letting us know that he had been recorded in the county office as 100 % XXXX and we were not required to pay taxes. We sent a copy of the letter to the subservient company XXXX to have this also recorded and for the taxes to be stopped and for the loan to be redone to provide a new mortgage payment. We waited 3 months for this to happen. My wife continued to call to get an updated status. Finally, she was told that the county needed to send XXXX a bill saying that we no longer had to pay taxes before they will redo the mortgage amount. My wife and I went to our county office to see if they can give us a bill for zero amount, they intern gave us a zero bill, saying we did not owe any money. Lakeview said they will not accept that because it needed to say we did not owe any taxes. They will send the taxes in XXXX. when they are due and if it comes back saying we don't owe then they will redo the mortgage, but in the meantime keep paying the XXXX. This was not acceptable to me and my wife, so my wife filed a written request as well as called to have the escrow stop. On XX/XX/XXXX, my wife called to request an update on the status and was told that the request was denied because 80 % of the loan had to be paid off before the escrow could be stopped. When my wife asked for further explanation, she was told that Lakeview did an appraisal on XX/XX/XXXX, for XXXX. We became very upset because we were told in the beginning that no appraisal was going to be done. This company is very shady, and they did not tell us that they did an appraisal. | ||||||
| 06/07/2017 | Yes |
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| XXXX I have sent the same below to XXXX , XXXX via their RESPA address provided online ( attached ). *** I am in receipt of the attached letter stating that my recent payment was returned to you unpaid and a {$25.00} fee was assessed. I would like to know what recent payment you are specifically referring to as the attached pay history reflects my {$1000.00} payment applied on XXXX / XXXX / 2017 and deducted from my bank account on XXXX / XXXX / 2017 . XXXX erroneously applied a payment on XXXX / XXXX / 2017 in the amount of {$1000.00} and then reversed the payment. I need this explained as I did not authorize a payment in the amount of {$1000.00} and should not be penalized with the fees of this action. I called XXXX , my banking institution, and they have no record of XXXX attempting to pull the {$1000.00} out on XXXX / XXXX / 2017 so why is this being described as a Bank Return? I have spoken to the following representatives at XXXX : XXXX ID # XXXX , XXXX ID # XXXX and XXXX ID # XXXX and received a DIFFERENT story each time of whats going on- which paints a pretty clear picture. On the bottom of the letter, there is a fee total of {$50.00}. Please explain this amount. Please explain why my XXXX / XXXX / 2017 statement reflects a {$0.00} fee balance and my XXXX / XXXX / 2017 statement now reflects a {$70.00} fee balance. The Real Estate Settlement Procedures Act ( RESPA ) 1026.41 ( d ) ( 1 ) states all fees are to be noted on my statement. The {$70.00} fee on my XXXX / XXXX / 2017 statement does not add up to the fees provided on the pay history sent to me by XXXX ID # XXXX ( attached ). Why are the statutory exp. corporate advances assessed on XXXX / XXXX / 2017 , XXXX / XXXX / 2017 ( XXXX FEES ASSESSED SAME DAY ), XXXX / XXXX / 2017 , and XXXX / XXXX / 2017 not reflected on my billing statement? Please provide a complete breakdown of EACH of those fees. Sincerely, XXXX XXXX | ||||||
| 01/06/2024 | Yes |
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Web | Older American, Servicemember |
| On XXXX XXXX XXXX I went online to make my mortgage payment. The amount due was {$2100.00}. The next day I looked online and saw that the payment had posted. On XX/XX/XXXX I received a check from the company for the same amount I had paid. I called the company and was told that I had made a double payment so they were sending me the money back. I asked them if they were sure and I could cash this check. I was told that I could cash the check. On XX/XX/XXXX I went back online and noticed that the payment had been reversed, showing me as not making my payment. I called them and explained what had happend and what they did and they said I would have to make the payment again. Even though this is their fault I am having to pay for it. I called and spoke with a team lead by the name of XXXX and was told that I just needed to continue making my payments and not worry about being behind. I also called and spoke with someone in financial assistance about being a month behind and could they put the payment at the end of the loan. I was told that they could not do that because I was not 4 months in arrears and that being a XXXX this would look bad for me. I told them I was concerned about being a month behind and being charged late fees. I was told not to worry about it and to keep up with the late fees if I can. I went online to make my next payment at the end of XXXX and a few days later I noticed that the payment was showing as reversed. I called the company again and was told they would not apply the payment until they receive all of the money. Their mistake is causing me to be a month behind which I am not. I make my payments on time every month and I care about my credit. This will eventually affect my credit. I believe this is their mistake and I should not have to pay for their mistake. I would like to have this resolved by them bringing my account up to date. I am attaching copies of the payment history which shows what they have done with my payments. | ||||||
| 08/14/2021 | Yes |
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Web | Older American |
| 1. Complaint is a dispute with a loan/mortgage company, Lakeview/XXXX. 2. XXXX is refusing to apply a payment of {$710.00} to my XX/XX/2020 mortgage payment and waive the late fees. 3. XXXX misapplied a payment of {$710.00} and it wasnt applied to my XX/XX/2020 mortgage payment. 4. The complaint is against Lakeview/XXXX : Lakeview Loan Servicing , LLC 5. FYI It may be an FHA loan. Im not sure. In XXXX of 2020, I made 2 mortgage payments from my XXXX XXXX XXXX so that I could get ahead of my mortgage payments : A payment on XX/XX/2020 for {$2100.00} ( Actually, a little more than my mortgage payment ) for my XXXX payment A second payment on XX/XX/2020 for {$2100.00} for my XXXX payment I continued to pay the {$2100.00} until XXXX of 2020. I did not have enough money in my XXXX XXXX for the full mortgage payment. So, on XX/XX/2020, I paid {$1400.00} out of my XXXX XXXX, and on XX/XX/2020, a check for {$710.00} was issued from my XXXX account for the balance of the XX/XX/2020 mortgage payment. After that, I continued to make my usual {$2100.00} ( slightly more than a regular mortgage payment ), to this day. Lakeview/XXXX misapplied the {$710.00}. What? Did they think it was just a gift to them? They have continued to accuse me of being late with my mortgage payments and charging me late fees since XXXX of 2020 I only recently figured out what happened. I contacted XXXX and they refuse to credit the {$710.00} to my mortgage or to refund me/waive all ( or any ) of the Late fees. They say they can not, but Ive worked with computers, and Im sure somebody can. And I mean, if grocery stores can process split payments, I would think that a big loan company, surely could and should be able to. Not only does this put me in a difficult financial situation and is probably doing a number on my credit rating, but I feel as if they are stealing from me, and who knows how many others. I'd attach documents but I can't redact personal information from them. | ||||||
| 09/12/2018 | Yes |
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| I emailed XXXX customer service to resolve a payment/billing issue I encountered last month. It has been 3 weeks and I have not heard back. The situation : - In the middle of XXXX, or potentially towards the end of XXXX ( I can not confirm the exact date ), I logged into https : //lakeviewloanservicing.XXXX/ and increased my monthly auto-draft payment amount from {$2000.00} to {$2500.00}. - I did not know, nor did the website clearly state, that changes to auto-draft payment options take 2 weeks to go into effect. - My monthly mortgage payment auto-drafts on the first of every month, and has done so since the inception of this mortgage - I have never missed a payment and have always had auto-draft set up. - I have made sure to always have sufficient funds in my bank account to pay at the first of every month. I can produce bank statements to show I had enough money to pay on XX/XX/XXXX and this was not a bank error. - After changing my auto-draft amount in XXXX, my XX/XX/XXXX payment did not process and was missed. - On XX/XX/XXXX, a late fee was imposed on my account for {$82.00}. - On XX/XX/XXXX, I was notified via phone call that my mortgage was being sent to collections and I had the option of paying over the phone. - This was the first time hearing that my mortgage payment was missed. I immediately tried to understand the situation and confirmed with the person on the phone I always had auto-draft set up and at no point did I cancel it - the customer service rep confirmed. - The customer service rep ended up waiving the {$82.00} late fee for me but could not waive the {$15.00} one-time payment processing charge. - In addition to the processing charge, I also realize that since my payment was missed, Lakeview/XXXX will notify the credit bureaus and my credit score will go down. Please let me know if there is any other information I can provide to help with this matter. My contact information is : email : XXXX cell phone : XXXX | ||||||
| 03/11/2018 | Yes |
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| I bought my house on XX/XX/XXXX and was required by the lender to have an escrow setup to pay my home owner 's insurance, PMI and property taxes. In XX/XX/XXXX of last year I received my property tax bill from the county ; the amount due was {$730.00}. XXXX, my mortgage company, did pay my property taxes in XX/XX/XXXX in the amount off {$1200.00}, although the county was still showing me as delinquent on XX/XX/XXXX when I received a delinquent notice from them, XXXX had not paid to the account number associated with my address. After getting that resolved the county said i had overpaid by {$460.00} and was due a refund, this was on XX/XX/XXXX. I sent the county a request for the overage to be sent to me in a check. I waited a month and still had not received the refund check so i called the county to ask why, and they told me that XXXX had been calling them about the refund and wanted the check sent to them instead ; The county is still holding the refund while this is being resolved. The beginning of XX/XX/XXXX I received my escrow analysis from XXXX and they are still overcharging me monthly for property taxes, they're also saying I have a shortage of {$250.00} in my escrow and my payment to cover the shortage will now go up by {$35.00} a month. I have sent them numerous emails and called several times to try and resolve this matter and prove to them that I am being overcharged for property taxes every month and that I shouldn't have a shortage in my escrow because i ended XX/XX/XXXX with a surplus of {$120.00}. XXXX either doesn't respond in a timely manner, like their website promises to do or they insist that the amount they are charging me on property taxes is what my county is saying I should be paying ; That is an out right lie, my property taxes did not go up by almost {$500.00}, I don't know where XXXX is getting their information, but the county says I will not be paying anywhere near the {$1200.00} that XXXX is charging me. | ||||||
| 07/29/2020 | Yes |
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| Good morning, not sure if I am talking to the right person. I have been trying to get help and advice from several places and no one can give a answer. I purchased a home in XXXX of XXXX through XXXX mortgage for XXXX which was on a foreclosure. The home was worth at least XXXX if not more at the time. Our loan has been sold so many times and each time the loan sold they added the PMI which I called and asked why I was paying a PMI and they stated that our home was not able to remove the PMI, so I let it go not knowing what was going on. We have recently refinanced our home through our local bank. Which we found out that we should of never paid PMI as our home is worth XXXX. Also our last lender required that our escrow account to have a surplus in the amount of XXXX I thought was odd. That being said our new lender stated that we should be getting the escrow amount back as it is law, they have to send us our money back as we are going into escrow at this time that we had enough equity in our home to take the escrow out. I have just recently received a statement from our previous lender stating our escrow balance was only XXXX at that time I had called the last lender and asked where the money of our escrow surplus had gone, they stated that I needed to pay off the PMI of the remainder of the loan, and that they had to pay my insurance company my premium, which was already paid. As on the phone with them i was going though my escrow payments with the person helping me look through. We found a few problems. My house insurance was paid 2 times in the wrong amount and that they stated they got the bill from my insurance company for that amount. Talked to the insurance company today and they stated they never sent them a bill for that amount nor where they got that number from. this company is taking my money and will not return it to me. I am at a loss and not sure where to go from here nor who to talk to. Can you please help??? | ||||||
| 09/15/2022 | Yes |
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| On XX/XX/22 I received an email alert from my bank that funds had been withdrawn from my checking account by Lakeview Loan Servicing LLCin the amount of XXXX XXXXresulting in a negative balance. However, documentation I received earlier from this company ( dated XX/XX/22 ) stated that my 1st mortgage payment would not be due until XXXXhaven recently ended forbearance under the CARES Act and utilizing a FHA COVID-19 Partial Claim. When I contacted LakeviewXXXX regarding this discrepancy, the summation of responses from 3 different agents, ranging from customer service to escalation team members was : 1 ) Bank-drafting automatically restarted once my Partial Claim made my mortgage current 2 ) The best they could do to resolve their mistake is reimburse me with a paper check and mail it to me, which would take XXXX business days. With the1st payment due date being documented and set as XX/XX/22, it was wrong for those funds to be withdrawn before that. Lakeviews suggested resolution to mail a check with such delay is inappropriate because of their culpability ; while their error currently prevents me from paying bills, as my bank account is now far in the negative! Lakeview Loan Servicing LLC ( and XXXX ) erroneously but conveniently withdrew money out of my account ; they, like millions of other persons and businesses, demonstrate the capability to instantly transfer funds. To be told that they could not do this to rectify such a grievous mistake is an insult and bad business. Lakeview also has once overnighted documents via FedEx for me to sign and return to them, showing that they also have the capability to move swiftly when they want ; even when it involves using the postal service. Lakeview Loan Servicing LLC should rectify the mistake they caused by quickly reimbursing me via money transfer or overnighting a check and also covering the fees incurred from bills that could not be paid because of their debacle. | ||||||
| 03/09/2021 | Yes |
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Web | Servicemember |
| The absolute worst mortgage servicing company we have ever worked with. Absolutely terrible customer service and completely dishonest. Borderline predatory on VA customers. Working with Lakeview XXXX, XXXX XXXX and XXXX XXXX did not respond to e-mails, or phone calls in a timely manner. This was for a VA Streamline refinance in which they reached out to us to initiate. Our mortgage closing date was delayed significantly, due to no response/contact after all documents were ready for closing, which caused us to incur late fees with our previous mortgage company, and when asked if should call XXXX XXXX XXXX, we were advised no. Speaking with XXXX XXXX XXXX they stated it is standard for loan officers to call or advise consumers to call and they would waive the fee. We asked approximately six times across both personnel to ensure our Escrow came back to us, via phone, e-mail and official documentation. On XXXX XXXX we spoke with XXXX directly to understand what the current delay was and ensure our election referencing the escrow was still in consideration and he assured us that our escrow would come back. We have documents from XXXX XXXX XXXX XXXX that stated that XXXX contacted XXXX XXXX XXXX on XXXX XXXX, the next day, and explicit asked for a second payoff letter TO INCLUDE the escrow in the payoff ( what we explicitly reminded him we did not want and he acknowledged the day before ). Further, the timeline from initiation to closing was completely unacceptable for a streamline refinance and was further compounded by the amount of phone calls and e-mails that went unanswered by XXXX XXXX. Post closing we sent 3 follow up emails to both personnel with a requested response and did not receive one. We will continue to submit complaints with all organizations to include the XXXX until we have a full break down of all 4 estimates we received and why our wishes were directly dismissed without any valid responses. | ||||||
| 08/01/2019 | Yes |
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| I recently bought my home and the lender was XXXX XXXX, XXXX sold my account to Lakeview on XX/XX/19. I made the following payments to XXXX XXXX : {$600.00} on XX/XX/19 Closing Interest {$15000.00} on XX/XX/19 Principal {$2200.00} on XX/XX/19 Principal XXXX XXXX sent me a statement on XX/XX/19 with a remaining balance of {$240000.00}, with {$740.00} interest. XXXX sold the account and the current lender Lakeview, they started charging interest on the original amount {$260000.00}, at first they told me since they don't have all the payment information, and will adjustment the payments ones they receive all the information from XXXX XXXX. However, now their history shows that they have received all dates and amounts of payments, however, they did not correct the principle they charged interest on. I have continually been calling and sending them e-mails. They didn't correct it, and continue to give me incorrect principal amount. Therefore, charging me more in interest. I am making more in payments towards the principle but they are charging more in interest, on {$260000.00} principal - verify payment made on XX/XX/19 to Lakeview, interest charged {$790.00}, whereas interest charge should have been XXXX. I have this statement from XXXX XXXX, showing the correct principal of {$240000.00} and a payment in interest was supposed to be {$740.00}. However, Lakeview charged {$790.00} in interest. This has continued and therefore, my principle is incorrect, and my overpayment that should be applied towards principle is going towards interest. Therefore, the principal and interest is incorrect. I have been told several times they will fix it but they don't each time I call in I am been told we will update and correct the error within 5 days. However, they haven't, every time I call they keep transferring the call it take almost 2 hours and then someone will assure that they will get the account corrected, but it never happens. | ||||||
| 04/05/2019 | Yes |
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| Lakeview Loan Servicing company prepared an escrow analysis in XX/XX/XXXX. Their analysis was faulty, and resulted in them issuing me a refund check for overpayment while simultaneously raising my required monthly payment due to an " escrow shortage ''. I contacted them by phone, and email with the information that they did not use the correct property tax information ( my property taxes for XXXX are significantly lower than for XXXX ). I also asked for an explanation why I was not offered the option of updating the escrow balance rather than being forced to make a higher monthly payment. This contact occurred on XX/XX/XXXX, and I was told I would hear back within 15 days at the longest ( attached document from XXXX XXXX was included to verify tax amounts ). The only contact I have received from Lakeview Loan Servicing was a solicitation to refinance my loan from an " affiliated party '' which I had not asked for, or authorized. I followed up with more email requests on XXXX XXXX, and again on XX/XX/XXXX, but never received any reply. Today, I received email notification that escrow disbursed funds for my property taxes in the amount I stated was due when I alerted them to their faulty escrow analysis, but still have no acknowledgment that they are collecting too much for my escrow, nor any other reply to my inquiry. I have made it clear I wish for my payment to go back to the prior, lower amount, but can not get any answer. In the past, when escrow analysis revealed a possible shortage, I was offered the option to correct this with a single payment rather than requiring a higher recurring monthly payment which presents a hardship. I simply want Lakeview to acknowledge the math, and their mistake so that I can get back to the monthly payment required per the Note on my loan. At this point, they again have excess funds in escrow, and yet refuse to respond, or lower my monthly payment accordingly which is unacceptable. | ||||||
| 03/09/2021 | Yes |
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| Lakeview Loan Servicing is the loan servicer for the mortgage on my primary home in DC. Lakeview is also responsible for collecting escrow to pay my property taxes and insurance. I pay my mortgage and escrow in a timely manner each month. My most recent property tax payment was due in DC in XX/XX/XXXX. Lakeview claims to have made a payment for my property taxes last XXXX, but either DC never received it or the payment was never actually made. Now, DC is charging penalties and interest on this tax payment from last XXXX. I realized that this payment was not made in XX/XX/XXXX while trying to refinance this mortgage. My refinance loan was " clear to close '' but came across this issue at the last step before closing. I first contacted DC 's property tax office to see why I was being charged penalties and interest for a payment I thought had been made. DC told me that they never received the XX/XX/XXXX payment and the issue needed to be resolved by Lakeview. I then immediately contacted Lakeview. Since learning of this issue, I have called Lakeview numerous times, spoken to many customer service representatives and supervisors, and nobody has resolved this issue or told me what actually happened with this payment. I have implored on everyone that I speak with the urgency of this issue and the damages it is causing me : primarily that ( a ) I am being assessed penalties and interest on a payment that Lakeview was responsible for ; ( b ) I am unable to close on my refinance, costing me additional daily interest ; and ( c ) making me unable to take this property tax payment on my XXXX federal income taxes, costing me additional income taxes. I have grown exhausted and disgruntled with Lakeview 's inability to resolve this property tax payment. They have caused me significant stress, wasted my time sitting on the phone while not giving me answers, and are costing me money by making me unable to refinance this loan. | ||||||
| 10/22/2020 | Yes |
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| We applied for COVID relief assistance in approximately XXXX of 2020, Lakeview placed our mortgage in forbearance and explained the repayment options we would have when it came out of forbearance. I should have known early on we would have issues, each person we spoke to gave us a different answer on the length of the forbearance and what would happen when it came out. As soon as we were able to start making payments again we contacted Lakeview to request the account be taken out of forbearance and requested they send the necessary paperwork to move the 3 skipped payments to the end of the mortgage term. That was in XXXX and we still have not received the papers to sign!! We get a different story every time we contact them. Several people told us to start making payments again even though we were waiting for papers, which we did. Then several other people told us to stop making payments because this was messing up their calculations on what should be moved to the end and the payments were holding up the paperwork. So we stopped making payments again. We have been calling for weeks and they keep saying the paperwork has been processed but it's just sitting there, no one can tell us what the hold up is or why they have not sent the paperwork for signatures. We have spent countless hours on the phone with people who don't really know what they are talking about, this has been an extremely frustrating process. And in the meantime they have started sending delinquency notices and pre-forclosure letters! When we call to ask about the notices they tell us these notices go out automatically and just ignore them. However, we are becoming very concerned!! They also told us many many times this would not affect credit scores or credit reporting, however I do not think this is what is actually happening. I tried to refinance another loan and was denied because of the status of this loan that is being reported to my credit! | ||||||
| 01/10/2020 | Yes |
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| I am in dire need of urgent assistance with my mortgage Lender, Lakeview Loan Servicing , LLC, C/O : XXXX. I recently received my current monthly statement that shows my monthly payment has doubled. I have not fallen behind on my mortgage payments. I also noticed on the invoice statement, that I have incurred asserted attorney fees in the amount of {$480.00}. I contacted customer service, which advised me to pay the fees to avoid going into default on my loan. To date, I have made all of my payments in a timely fashion, ( excluding legal public holidays, Saturdays, and Sundays ). My payments are normally mailed at the end of each month. I am asserting that the Service Lender charged this fee ( {$480.00} ) without a reasonable basis to do so, therefore ; I am requesting supporting documentation from the Service Lender, regarding their deceitful asserted impermissible fees that they have financially imposed on me. According to the Real Estate Settlement Procedures Act ( " RESPA '' ), an institution lacks a reasonable basis to impose fees that are not bona fide, such as ( i ) late fee for a payment that was not late, ( ii ) a charge for a service that a service provider did not actually provide, ( iii ) a default management fee for borrowers who are not delinquent, or ( iV ) a charge for forced-placed insurance that is not permitted by 12 CFR 1024.37 ( 12 CFR Part 1024, Supp. I., Comment 1024.35 ( b ) -2 ). I received information from Lakeview Loan Servicing , LLC on or about XX/XX/2019 indicating that " Recoverable Corporate Advance Fees were paid with Servicer funds, but are to be recovered by the borrower ''. This appears to be a deceptive predatory practice by the Servicer with no supporting documentation of rule. My modification contract with Lakeview Loan Servicing , LLC does not specify any recovery corporate advanced fees involved in my repayment of the loan. So, why am I being charged this fee? | ||||||
| 03/07/2021 | Yes |
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| My escrow analysis was completed on XX/XX/XXXX. The Annual Escrow Account Disclosure Statement shows that I am due a refund of {$770.00} and states that the surplus will automatically be mailed within twenty business days. However, I have not received it. I contacted the company ( XXXXXXXX/Lakeview Loan Servicing ) at the beginning of XXXX to check on the status and they claim that the check was mailed but the post office returned it to them. They said they would re-issue the check. I called again on XX/XX/XXXX and once again was told the check would be re-issued and mailed to me. I still did not receive it so I called XX/XX/XXXX and was told by the representative that she spoke to a supervisor and they were going to mail me a check and she gave me a confirmation number of # XXXX and told me to call back in a couple of days to get the tracking number for the mailing. I called back on XX/XX/XXXX and spoke to XXXX and she said she could not find the confirmation number that I was given the last time I called and that it didn't look like a check had been mailed. I asked her to speak to a supervisor about it and she said she did not have the ability to speak to a supervisor but she emailed a supervisor and she assured me that she would call me back the next day. I never did hear back from her. I want my escrow refund sent to me as soon as possible and I want a tracking number so I can track the mailing. By law the mortgage company is required to refund my escrow surplus. I have had nothing but trouble with this company since they took over my loan. In XXXX they mis-applied a payment and it took me XXXX months to get it corrected. They refused to correct the payment until I filed a complaint with the CFPB. Is there anything that can be done about this mortgage company? I want my escrow refund issued, as required by law, and mailed to the property address, which is XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX. | ||||||
| 02/07/2023 | Yes |
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| Reaching out regarding our property at XXXX. We were contacted through mail to procure flood Insurance from Lakeview. We were out of town due to the Hurricane that impacted our home. Once we were home and received the letter we were 30 days out from the time we needed flood insurance. We procured flood insurance as fast as we possibly could and found that it takes 30 days to kick in since its a flood policy. This is standard for any flood policy. It is impossible for us to get coverage before the 45 days. My concern is the following - Our home is not in a flood zone. We had to pay {$1000.00} for a surveyor to come out and prove that it is not. They have proven this, now they have to go to FEMA to get the official XXXX. This is standard and take 90-120 days. Again impossible for us to provide in 45 days. Now I have to pay more right after paying {$8000.00} in repairs to our home from a hurricane. - I opened a flood policy for {$900.00} to simply appease the ridiculous request to get flood insurance. Now Lakeview ha s told me that they purchased one that starts XX/XX/23 for {$3600.00}. The one we bought doesnt kick in until XXXX because of course this is standard and takes 30 days to kick in. - When I contact Lakeview to explain how ridiculous this situation is all they can say is there is nothing they can do because it is what the system does. In summary, this home does not need flood insurance it is not in a flood zone. I understand you have to follow a ridiculous law that is unfair to the homeowner and provide a LOMA which is what we are doing and we procured insurance in the meantime. I have paid enough! All I ask is for Lakeview to not pull an additional policy that goes in effect XX/XX/23 for me to pay as well. This is absolutely insane, and taking advantage of home owners who can not afford to willing throw XXXX out the window for absolutely nothing because again we are not in a flood zone. | ||||||
| 02/18/2021 | Yes |
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| I refinanced on XX/XX/XXXX with XXXX XXXX. Their servicer is XXXX XXXX XXXX. I made my XX/XX/XXXX payment to the money source on XX/XX/XXXX. Then received a letter that my loan had been transferred to Lakeview/XXXX XXXX as of XX/XX/XXXX. Around XX/XX/XXXX I started receiving threatening robo-calls from Lakeview/XXXX stating that my mortgage payment was late and threatening to report to credit bureaus. I set up an online account with Lakeview, and I can see that they have not recorded my XXXX payment that I made in XXXX. They also have my escrow account at {$0.00} even though about {$5000.00} in escrow was paid at closing. The robocalls have continued. I can't set up my XXXX payment because it still says XXXX is due and I am afraid if I pay the normal amount, they will try to apply it to their illegal late fees. After I complained, they locked me out of my account permanently and I can't log back in, even after requesting new password, etc. On XX/XX/XXXX I tried to reach a human via their automated system. After going through 30 minutes of menus, I reached a point where I could leave a callback number. Two days later, on XX/XX/XXXX they called me back WITH AN AUTOMATED VOICE telling me to go through the automated system again. Finally I reached a human after a lengthy hold. I told her to cease and desist with the illegal debt collection calls because I have paid my mortgage on time. She said the system makes calls automatically and there is nothing she can do. She tried to tell me to make my payment and eventually they would sort out the late charges and apply it to XX/XX/XXXX. I refused until I am provided an accurate statement. She couldn't answer why they have locked me out of my account. I believe it is so I don't have access to the falsified statements that they are providing me and as retaliation because I have already filed a complaint with the Texas Mortgage and Savings department. | ||||||
| 06/02/2023 | Yes |
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| At the beginning of 2023 I opened a savings account so that I could use it specifically for my mortgage payment and nothing else. Prior to opening the account, my partner and I were using his savings account but I wanted to have an account that was just for the mortgage, and I opened my savings. Unfortunately, I had gotten my savings account number and my partners confused and our mortgage payment kept bouncing. I had discussed these happenings with the service handler, which is Lakeview Loan Servicing, which is a subservice of XXXX and we tried to figure out why we were seeing returns, because it wasn't showing up in my bank account til my partner realized I had HIS bank account listed in our online, XXXX Lakeview account. Needless to say we corrected it right away and we made all the payments again, that had not been applied to our mortgage account. However, since we have corrected the error and made the payments, Lakeview says WE NEVER MADE THE PAYMENTS. This is false. We made the new payments and they had gone through my bank without a problem. Lakeview repeatedly tells us they were returned to the bank for insufficient funds. The payments were not returned to our bank. When we called them, they repeatedly and intentionally put us on hold and never came back. This was done several times to us and as I type this, the rep named XXXX has put me on hold on purpose and has not come back, after 30 minutes waiting, a rep by the name of XXXX took the call. She says the payments that Lakeview physically had in their possession, were returned for insufficient funds. How does that work exactly? Other reps denied that there was any money available to apply to my mortgage. I feel as if they are intentionally trying to make us late so they can start a foreclosure. I'm actually frightened. All I want is a mortgage servicer that I can trust and is not shady. How can I switch mortgage handlers? - XXXX XXXX | ||||||
| 04/24/2017 | Yes |
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| XXXX took over my mortgage loan XXXX / XXXX / XXXX and increased my payment without any explanation. My taxes has not increased nor has my mortgage insurance I contacted loan care on XXXX XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX an d XXXX I spoke to several people from customer service representatives ( XXXX # XXXX , supervisor XXXX # XXXX , XXXX # XXXX , XXXX # XXXX , XXXX # XXXX and XXXX XXXX XXXX XXXX and no one could tel l me why our mortgage increased from {$1900.00} to {$2000.00}. They stated our pervious loan server ( XXXX XXXX ) sent them. which we never received anything for chase stating a mortgage increase. We submit XXXX our monthly documents on our payments since our home loan was first open. Each company when they take over your mortgage is supposed to do their our escrow analysis. I called as soon as I got a new letter from them stating a different amount then their initial welcome letter and from what I had been paying. I was told by XXXX that she 's not sure why the amount changed but she will order an escrow analysis from their company ( XXXX ) and this was on XXXX / XXXX / XXXX . I called XXXX / XXXX / XXXX and spoke with XXXX # XXXX and was told that she did n't see anything in the system about an escrow analysis or anything about anyone checking to see why my mortgage was increased and she stated that she would order an escrow analysis. This is very stressful. I called serval time and even got hung up on by XXXX # XXXX and supervisor XXXX # XXXX and just today XXXX / XXXX / XXXX I tried to call 3 times and just keep getting voicemail. I know that there should be 3 options before they add any amount to my mortgage account. Which are pay the amoun t in full, make partial payment or spread out over 12 months. None of these options was offered. | ||||||
| 01/21/2021 | Yes |
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| The matter is reference to Lakeview Loan Care Services which holds my mortgage. I have made several attempts to discuss their incorrect, fraudulent credit reporting. They continue to report my loan as late and in default, which is INCORRECT. I have made over 6 months of on time mortgage payments during a pandemic. I qualified for their mortgage modification contract that required at least 3 months of on time payments and have continued to be current on my mortgage payments. As an example most recently they reported me late for my XX/XX/XXXX mortgage payment which I paid on time on the XXXX of XXXX. According to their online web portal and my bank statements they payments posted on time and yet they reported this payment LATE to the credit bureaus. As an example of their fraudulent practices. This mortgage company has been sued in the past for the exact same reasons and continue to do the same thing. This has caused damage to my credit standing. As a final attempt I called Lakeview Loan Care on XX/XX/XXXX and was transferred several times and on hold for hours I spoke with someone in Loss Mitigation. They admitted that the LATE credit reporting was an error on their part and promised to fix the problem by contacting the bureaus. I requested a letter or acknowledgement as proof of their good faith to resolve the problem. They absolutely refused to provide me with anything in writing. Matter of fact they kept me on hold and kept transferring me throughout different departments. They finally left me on hold until closing time and someone just hung up the phone. They have the absolute worst customer service and have no regard for their customers. They refuse to address the matter and when I call back I have to explain the entire situation to each person that presents on the phone. This shows that they are just providing lip service and do not intend to actually correct the erroneous reporting. | ||||||
| 08/24/2016 | Yes |
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| Received unsolicited letter via XXXX XXXX from Lakeview Loan Servicing Friday XXXX/XXXX/16 offering a VA XXXX loan, which is a VA Interest Rate Reduction Refinance Loan at 3.25 % ( 3.26 % APR ). Letter indicates this is a special offer and I need to act now : There are No Origination Fee, No Underwriting Fee, No Processing Fee. This is a streamlined VA process, no Certificate of Eligibility, No Appraisal, No Minimum Credit Score, No Employment Verification. The rate offered is 3.25 % fixed for 30 years and gives my specific loan details. The letter is signed by XXXX XXXX, Senior Vice President, Loan Originations. Indicating I need to act quickly to lock in my low rate by calling before XXXX XXXX, 2016. They are the company who is servicing my loan already so they have all of my information and details. Called Lakeview Tuesday morning XXXX/XXXX/16 around XXXX and spoke with XXXX XXXX XXXX. XXXX requested letter to be scanned and sent to him XXXX that same day. After a few back and forth emails he could not honor the agreement. I spoke with his manager XXXX XXXX at XXXX, XXXX made a number of statements of which I question the accuracy. He mentioned the 3.25 % is available but I will not get the lender credit. He also mentioned the company could do 3.5 % and I get the lender credit, which is the better deal and makes more sense. I requested lending disclosure documents for 3.5 % with the lender credit. Later XXXX XXXX sent an email link for loan documents soon after that. The loan documents list the no fees as promised in the advertisement and overall look correct, except there appears to be some questions how they came up with some of the closing prepaid fees and escrow account. Understanding how this works, I questioned the documents and was given an answer of questionable accuracy. I have requested numerous times to get the offer that was advertised they have not been forthcoming. | ||||||
| 03/30/2023 | Yes |
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| My primary dwelling is currently in foreclosure and scheduled to be auctioned on XXXX. In the midst of this attempted theft, I requested my closing documents and it has been brought my attention that FRAUD has been committed. There are multiple signatures from people that were not present on the day of closing ; including a notary signature and seal. I also did not receive any of the proper disclosures during closing or anytime afterwards. My closing documents were not clear and conspicuous and I entered into an uninformed Consumer Credit Transaction without proper knowledge. Please be advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Lakeview Loan Servicing LLC have committed a federal crime. Lakeview Loan Servicing LLC has told the State of GA that they are my attorney and this is FALSE. I have NEVER spoken with anyone at this company nor given anyone in their employment permission to represent me in any legal compacity. LAKEVIEW LOAN SERVICING ARE NOT MY POWER OF ATTORNEY! XXXX XXXX and Lakeview Loan Servicing are attempting to steal my primary dwelling. They are severely impacting my livelihood and the livelihood of my dependents. They are infringing upon my constitutional rights as a natural person. They are attempting to steal my safe and private housing in the midst of a housing crisis. XXXX XXXX and Lakeview Loan Servicing has posted my private information on XXXX and ever since I have been harassed constantly via texts, emails, phone calls, and strangers showing up to my home. I fear for my life, well being, and the safety and security of my dependents. I have sent notices of dispute and my affidavit of truth to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Lakeview Loan Servicing LLC, and XXXX XXXX XXXX XXXX XXXX XXXX ; bringing to all of their attention the criminal act that has taken place to no avail. None of them have responded and my home is still currently listed for foreclosure. | ||||||
| 07/19/2020 | Yes |
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Web | Servicemember |
| Filed by : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Complaint Filed against : Lakeview Loan Servicing , LLC ( XXXX ) XXXX XXXX of XXXX id # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX FL XXXX Complaint Description : Lakeview Loan Servicing , LLC ( NMLS # XXXX ) Cashed cashiers check and after stop pay was placed, checks were lost. I replaced payment XX/XX/2020 Post office lost mortgage payment & escrow short, sent notification Of lost payment to XXXX by phone & email to. Lakeview Loan Servicing , LLC ( NMLS # XXXX XXXX XXXX Compliance Department Director ) XXXX@lakeviewloanservig.XXXX XXXX XXXX ) XXXX ( direct ) ( XXXX ) XXXX ( fax ) Lakeview Loan Servicing LLC to reverse and back out those payment that had a stop pay by XXXX XXXX and refund those amounts of both cashiers checks. My house is currently under Refinance because they have caused so many problems not know what they are doing, I don't want nothing to do with them. They started buying my loan in bulk, not reviewing it to know that it showed {$950.00} and my mortgage payment to increase by almost {$100.00} per month. They had my loan 6 months before I knew about any shortage. I am a service connected veteran who is retired. I am on a fixed income and can not afford for this mortgage to make these kinds of errors. They shortage figure kept being incorrect, after 2 months and my payment being lost by the post office, they still never got the figures correct. This is the saddest operation that I have ever seen. I keep them involved regarding the entire process of when the post office lost my 2 payments. I gave them a signed affidavit from the bank the casheir 's checks were drawn on. They still cashed checks that had Stop Payments on them, even though I had replaced the mortgage check for XX/XX/2020. I don't expect my complaint to go away, I expect someone to take some type of action. This should have not occurred and gone this long. | ||||||
| 02/20/2023 | Yes |
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| On XX/XX/2023 I requested an updated escrow analysis due to my mortgage payments escalating dramatically from approximately {$3200.00} to approximately {$5200.00} dollars. I indicated that I would like to resolve the escrow shortage in one payment and return to the lower monthly mortgage payment. I indicated that the increased loan amount could cause me to lose my home and it was unreasonably for the loan to increase so dramatically. I was told orally, over the telephone on XX/XX/XXXX by case manager that the escrow analysis was in progress, and finally I was orally told by the same case manager that it had been completed. The escrow shortage amount provided to me orally over the telephone by my case manager was {$15000.00} ( approx ), of which {$10000.00} was considered a ( shortage ) and the remaining balance a " cushion ''. I asked to be provided this information in writing, with a final payment amount so I may settle the balance and resume my lower mortgage payments. Additionally, I noted that by law the cushion amount is only allowed to be XXXX of the overall annual payments ( escrow and insurance ), and could they please provide an explanation as to why my " cushion ''. which is supposed to be approx. {$2300.00}, is {$4200.00} ( based on the oral information provided ). I asked the company to provide me the escrow analysis statement, and final payment amount in writing again on XX/XX/2023. In short and to summarize, - I was told I would receive the final escrow analysis statement by XX/XX/XXXX - XXXX XX/XX/XXXX, I was told the statement was delayed and it would arrive by XXXX XXXX On XX/XX/2023 I contacted my loan servicer and requested to speak with a supervisor or someone in the escrow department. I was told my case manager would contact me in 24-48hrs, and that I could not speak to the escrow department directly. The mortgage is serviced by XXXX/Lakeview Servicing XXXX | ||||||
| 11/03/2022 | Yes |
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| On XX/XX/22, I asked the mortgage company, Lakeview MortgageXXXX. XXXX to pay my XXXX XXXX tax in 2 installments rather than 1 in order to avoid their anticipated escrow shortage which would increase my recently decreased mortgage payment roughly {$400.00}. Their unpersonalized canned response was unhelpful. I then called to request this and was told that their system shows it will be paid in 2 installments as requested BUT it was not showing on their website. I was told not to worry. I then realized that when my mortgage account was transferred in XXXX from XXXX to LakeviewXXXX. XXXX, I was told no payment would be due until XX/XX/XXXX. I like to stay ahead of payments so I paid the XXXX mortgage payment in advance. They credited the full amount to principal and failed to credit any of the payment to escrow as they should have. This, paired with the single tax payment ( as opposed to two timed installments ) is what created the anticipated escrow shortage. And that {$2000.00} shortage is resulting in a {$400.00} increase to my monthly payments! My prior mortgage company had DECREASED my monthly payments by {$400.00} after their escrow analysis. LakeviewXXXX. XXXX is refusing to apply my XXXX payments as requested and have shown no evidence that they are paying my taxes in two installments as requested. This is resulting in me paying more interest. It's an unfair business practice. Mortgage companies should be required to warn customers NOT to skip a payment when refinancing or when their mortgage is sold or they should be required to advise them to at least pay the escrow amount. Mortgage companies should also be required to speak in understandable, personalize language when corresponding with customers - unpersonalized, generalized canned statements are NOT helpful. I do strongly believe that this company plays with numbers to draw more money out of unsuspecting customers. | ||||||
| 04/29/2020 | Yes |
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| We purchased our home in XXXX of XXXX my wife and I have great credit and have never been late on a payment. We have been saving to make a large down payment on the home principle to have the PMI taken off. I called XXXX XXXX on Monday XX/XX/XXXX and spoke with a representative named XXXX I asked him for an exact amount of how much we would have to send in to have the PMI taken off. He told me XXXX and some change. So as soon as I got off the phone I made a payment on their website in the amount of XXXX. I called back and talked to the same person ( XXXX ) and told him we sent over the payment and asked him to send a request over to have the PMI removed. He said he would. I called back in a few days later because I never heard back. Talked to a lady this time. ( Didn't get her name ). She said " her system ' showed we needed to pay another {$500.00}. So I asked for a manager and talked to XXXX. XXXX said the agents shouldn't be giving out dollar amounts and he would get the issue to the " executive manager '' and they would get back with me within three days. A week went by and still nothing. So I called again. I talked to a manager named XXXX. This time he said we needed to pay an extra {$560.00}. So I talked to my wife and thought, whatever, lets just pay it and we wont have to worry about it anymore. Made the payment yesterday. Now they are still saying they need to send the request over to have it evaluated. I'm at my wits end with this company. We are doing everything we are asked to do and being lied to at every turn. Can you please look into this and have them pull calls? I know this is all going to the principal of the loan anyway, so its in our favor to make the extra payments. But we are getting lied to and given the runaround just to get us off the phone. I feel that something needs to be done about their shady business practices. Thank you so much for your time. | ||||||
| 05/17/2021 | Yes |
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Web | Servicemember |
| I have a current mortgage with Lakeview Loan Servicing , LLC. We bought our house on XX/XX/XXXX, so our first escrow analysis was due in XX/XX/XXXX. We received our analysis that said had an overage of {$460.00} and that it would be mailed separately. Our account " shows '' that a check was issued on XX/XX/XXXX. I called the company on XX/XX/XXXX to inquire about my missing check. I was told there was nothing they could do for me until the check had been missing for 30 days. She wouldn't even document that it was missing because it was two days early and I would just have to call back. I called back on XX/XX/XXXX because I still had not received my check. The representative I talked to assured me that she would expedite my claim and check would be in the mail no later than Friday, XX/XX/XXXX. I once again called on XX/XX/XXXX because I STILL have not received my money that they are withholding from me. This time I was told that the check had been issued XX/XX/XXXX and I should have it soon. I received an e-mail the same day that said my escrow refund was now in process! I'm still not even sure a check has been issued. This is well out of the 30 days that is allowed to issue a customer their overage on their escrow account. I have tried to be fair with Lakeview Loan Servicing , LLC. However, they have grossly mishandled this situation. I asked the last representative that I talked to if there was a way to wire or overnight my money since we are going on 60 days without it. He said that was not possible. I did ask him to note in my account that if I had not received my overage by Friday, XX/XX/XXXX then I would be filing a complaint with the CFPB. I have never been late on a payment in my life and they can't seem to refund my money according to the government guidelines. I will be interested to see how long it takes for me to actually get my money that they are withholding. | ||||||
| 02/14/2023 | Yes |
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| Every time I try to contact or talk with someone I get harassed by a answer machine when I was use to talking to the company XXXX XXXXXXXX company that had a office where I can set up payment arrangements because of my bank situation with XXXX XXXXXXXX XXXX closing my checking account I was not able to give the company my checking information to make payment arrangements putting me behind threat me with the sheriff with legal letters that I dont even know of I feel they are harassing me knowing I had a motorcycle accident and my diagnosis is a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX this is all happening I been racially profiled by the sheriff the courts all my life Ive been beat up in this condition the police has been suspended for this accusation and Im not getting the assistance that as a law a Biden citizen should I work as a trademarks man my local number is XXXX local XXXX they have lowered my classification as from a XXXX to a XXXX all over again while going threw everything that Im still going threw please help me and my family of 7 we dont ask for much and when I was able bodied I was never behind my credit score had reached a XXXX and as low as I dont no what at the moment this is all happening right now as I speak if you could please just tell the group of people to please leave me and my family at peace and let us sue them for emotional distress pain and suffering debt free so we can start a new life where were not treated like slaves runaways this is gods favor they are gone made they are a corrupt system to be mistreated a person that helps with containers fluff wood pulp aluminum steal pipes wood cruise terminal rail cars anything dealing with the trade you name it I was there I even road a bike from XXXXXXXX XXXX to the state docks one pedal also a skipping chain I was determined in this is all I get in return is so unfair please do something | ||||||
| 09/14/2023 | Yes |
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| We noticed in XX/XX/XXXX, that our XXXX account got charged the wrong amount. We contacted our Mortgage Company, Lakeview Loan Servicing/XXXX XXXX XXXX XXXX right away via their website and they never responded. We ended up calling on XXXX, XXXX XXXX, via customer phone service and the customer service representative we spoke to promised us that this mistake will get fixed ASAP, but nothing got done. We did go to the City to make sure both our lot and house taxes got paid on time with the correct amount. They confirmed that they got the right amount for each lot. A one time payment of {$97.00} for the lot XXXX. And 4 times {$710.00} on the lot XXXX. Lakeview Loan ServicingXXXX XXXX XXXX took out of our escrow, XXXX payments of {$97.00} for the lot XXXX. In which the city only got a XXXX time payment of {$97.00}. Lakeview Loan ServicingXXXX XXXX XXXX also took one extra payment of {$710.00} on the same lot XXXX. Lakeview Loan ServicingXXXX XXXX XXXX took out of our escrow, totalling {$910.00} which is unaccounted for. On XXXX, XXXX XXXX, we reveiced our yearly Escrow Analysis and we noticed the previous mistake was never fixed and of course our Escrow ended up being short because of it. We called Lakeview Loan ServicingXXXX XXXX XXXX again on XXXX, XXXX XXXX and the customer service agent was rude and not cooperating with us. After this incident we decided on XXXX, XXXX XXXX to send them a registered letter, Notice of Error, stating to the company what needs to be fixed and and as of today, XX/XX/XXXX, we reveiced no communication nor cooperation from Lakeview Loan ServicingXXXXXXXX XXXX XXXX and our mortage increased and nothing got resolved. We gave them the required amount of time, the 30 days, to respond back to us by law. We ask that you look into this matter so this escrow issue can be fixed ASAP. Also so we can find out where our {$910.00} went. | ||||||
| 09/07/2021 | Yes |
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| On XX/XX/21, I made my last mortgage payment to Lakeview Loan Servicing , LLC ( XXXX ) and they withdrew {$720.00} for Escrow ( taxes, PMI and home insurance ). On XX/XX/21, Lakeview withdrew {$240.00} for PMI. I refinanced and this loan was paid off on XX/XX/21, Lakeview was paid {$340000.00} ( total payoff amount per payoff letter ) to include principal, PMI, taxes and home insurance up until XX/XX/21 ( payoff date ). Starting on XX/XX/21, I made numerous calls to Lakeview at the customer service/billing number saved on my cell phone ( which I always used and was good in the last 3 years ) ; however, my call never went through because their automated system no longer recognized my phone number, social security number and/or loan number # XXXX on file. Therefore, I emailed Lakeview on 3 separate occasions ( XX/XX/21, XX/XX/21 and XX/XX/21 ) using my XXXX email account addressing the issue their automated system is not recognizing my phone number, social security number and/or loan number and I CAN NOT get through a live person or move forward. The only response I received from Lakeview through their automated email system was a generic response, such as, " thank you for contacting us, a more experience person regarding your request/needs will contact you. '' I requested for someone to CALL me, but they haven't til this day. On XX/XX/21, the day of the payoff, Lakeview withdrew {$780.00} for escrow ( taxes, PMI and home insurance ), {$830.00} for interest, {$310.00} for interest again and leaving an Escrow balance of {$4000.00}. On XX/XX/21, Lakeview withdrew {$240.00} for PMI leaving an Escrow balance of {$3700.00} even though the account/loan was paid off in full on XX/XX/21. I visited the XXXX XXXX XXXX website and found a lot of complaints against Lakeview Loan Servicing , LLC and XXXX regarding their illegal and/or unethical practices similar to mine. | ||||||
| 09/16/2022 | Yes |
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| I got this mortgage from XXXX and I never missed a payment, Lately I have been sending big amounts towards the principal with the last payment of XXXX dollars on XX/XX/XXXX. After the last payment, my balance ( which I follow very closely ) was XXXX, but when I tried to make the payment, the website ( XXXX ) did not allow me to do so and wanted to charge me the previous monthly payment of XXXX dollars. I tried calling them several times and there was always a problem with the comminication, there were always busy and the waiting time was too long and they always told me to call later, I emailed them more then 15 times and I only got the same message saying " someone will call you soon " but they never did. then I try to pay on the website the whole previous amount since I did not want them to say later that I did not pay on time ( why would I do that when I never missed a payment? why would I do that on XXXX dollars when I paid XXXX dollars in principal payments this past year alone?, ridiculous!!! ), the website did not allow me to do the payment, so I tried fast Pay in which I was enrolled on their website and also did not allow me to do so, so I sent a check to Lakeview Loan services LLC since thet is the address in Pa where the payments by check can be sent, this was done 4 days ago ( before the payment was due, which is on XX/XX/XXXX ) and they never credited me for the last payment. Today I called the call center and I explained the situation and the person there said " you owe XXXX????? ) I said no, look on the website and you can see where it says " your remaining balance is XXXX dollars, but she did not want to hear what I was explaining. so tomorrow is the deadline, they are not answering my emails or phone calls and they will argue that I did not pay on time, I will file a complaint with the Banking comission against Lakeview and XXXX too. | ||||||
| 12/15/2020 | Yes |
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| In XXXX of XXXX Lakeview Loan Servicing LLC ( Subserviced by XX/XX/XXXX ) increased the escrow amount on our mortgage loan by {$890.00} without notice, thus adding that amount to our overall monthly mortgage payment amount. The statement attached was posted to our online mortgage servicing/payment account after the escrow increase had already taken place, though it is dated XX/XX/XXXX. Due to the coronavirus pandemic and the implications of it, we were then involuntarily put on a forbearance plan. Keep in mind this was without our consent. We were in the process of refinancing with another lender, but were then told we couldn't move forward with the refinance because of the forbearance plan that Lakeview put our account under. At this point, our escrow account was unknowingly emptied and the balance on our mortgage bill had been racked up to total about {$7700.00}. It is believed that Lakeview did this intentionally to keep us from refinancing with another lender. We were not able to get anyone on the phone regarding this issue for approximately 3 months. It took leaving a review on XXXX to finally get their attention and get someone on the phone to talk through the matter. After paying off the balance that was left on our account from this error. We sought to refinance from a different lender. On the VERY DAY that we were set to close with our new lender, we realized that Lakeview had intentionally reversed our last mortgage payment to them - making the payment late ( which is obviously not ideal when refinancing as every bit of your payment history is assessed ) and making payoff amount to be sent from the new lender inaccurate. We have never once had the issue of Lakeview and their staff initiating a payment to be returned. Again, we believe that this was done intentionally by Lakeview to keep us and our loan trapped with their company. | ||||||
| 11/30/2022 | Yes |
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| So, I had fallen behind on my mortgage payments a total of XXXX months My monthly amount is approximately {$860.00} per month I called on the XXXX of XXXX to make a payment. They refused to accept the payment and demanded that I make a minimum of XXXX monthly payments. So I reluctantly said that I would try to get another payment together by the end of the month. Here it is the last day of the month, I am a few XXXX short on the XXXX payments that I am " required '' to pay. I call Lakeview Loan servicing to discuss this things.. I am told that the minimum payment I can make at this time is {$1700.00} XXXX ask what the additional amount is for they say its because of fees. I tell them I cant make that and that I'm a few XXXX short. representative says " Thats good news because we can do a re-payment plan where we take half today, and spread the remainder out over XXXX months. Sound good, right? so she said to make the payment today in the amount of {$1300.00} and then I would need to make a payment of {$1500.00} per month for the next XXXX months I said that the math doesn't add up, and ask that she explain. She puts me on hold and says " there are corporate fees involved '' and I asked to elaborate and give me the amount of these fees with what they pertain to and she could not do it. refused to do it. by my calculation and every late fee I've been hit with from the time the loan originated rounding all numbers up at most should be a monthly payment of {$1300.00}. They refuse to explain the extra {$500.00} per month and hung up the phone on me. Now I'll be facing foreclosure or agreeing to be extorted for a {$500.00} per month fee from this company. No option other than one or the other and this shouldn't be legal. look em up on XXXX, I'm not the only one who has issues. They have the lowest rating they can possibly have. | ||||||
| 05/14/2018 | Yes |
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| I have a XXXX XXXX backed mortgage, serviced by XXXX and underwritten by XXXX XXXX XXXX. Nearly a year ago I suffered a job loss and contacted XXXX as to my options. XXXX put me on a forbearance plan and referred me to XXXX XXXX counselors for a work out. I made initial payments to XXXX but was later unable to reach them and was led to believe they were no longer in business. Every step of the way from day one I have done as instructed by XXXX or XXXX and as I have committed to. XXXX on the other hand has routinely and consistently mislead or lied to me about the process, next steps or actions that they have taken to remedy my loan. I have pages of supporting, written documentation. I regularly receive intent to foreclose notices while on a payment plan. I am put on a payment plan only to be notified the following month XXXX has rejected the plan I have already paid in too - TWICE. I make payments with a confirmation number only to learn the payment was not processed nor was I ever called / informed of any issue. I routinely ask to be transferred to a supervisor and am either disconnected, put on hold never to be picked up on or told that I would receive a phone call and never have them call me. The actions of XXXX have been unfair and deceptive. The result has been for my credit to negatively impacted and threatened with the loss of my home. I am in the process of filing formal complaints with XXXX XXXX and XXXX XXXX. Any help or guidance as to my legal protections would be greatly appreciated. In addition, I would like to find out who has governance over XXXX so that I may file a formal complaint with them as well. XXXXs unfair and deceptive practices have most certainly caused the loss of homeownership for many others. I want to work to stop this operation from ruining other lives. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 10/20/2023 | Yes |
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| It seems that the company is just trying to set me up to fail. I lost my job in XXXX and have been trying to get Unemployment Forbearance from Lakeview LoanCare since XXXX. I first applied online through their website on XX/XX/XXXX, it takes 5 business days. Their website said " Submit documents we are requesting in the document section ''. The document section had no documents shown. I called about it. They said give it about 2 days. I checked and submitted the documents which was my last pay stub of income source. I got declined. I called and asked why I didn't get the assistance and they said I needed to submit income ( even though I lost my job in XXXX ) I needed income from another source, not from my last job. My unemployment finally hit, I tried reapplying online on their website but it said it is not working to call the number. I did on XX/XX/XXXX. They said they'll submit a packet in the mail that should arrive in 10 business days. I received it around XXXX. I scanned and emailed them the application on XX/XX/XXXX and said it would take about 5 business days. They never reached out to me about it. I called XX/XX/XXXX to check on the application process and they said it never started because they never received it. Their imaging didn't go through because it usually takes 24-72 hours for them to receive from email to their system. They're not tech savvy enough to know why they didn't receive the XXXX that I scanned. They told me to try again and reach out to them after 24-72 hours ( 1-3 business days ). I submitted it immediate and asked them to stay on the line so that they could verify that they received the email. They said they couldn't and that they don't have access to that part of the system. That I should reach out to them 4 days later. I'm just trying to hold off on my mortgage payments for 2-3 months while I find a job. | ||||||
| 11/30/2023 | Yes |
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| Received our Annual Escrow Account Disclosure statement from our loan servicer, Lakeview Loan Servicing , LLC on XX/XX/XXXX. After reviewing it we came to find that they grossly misjudged the projections for our school taxes for XXXX. They projected our school taxes would be {$120.00} when actually it was {$2600.00}. They were increasing our monthly payment to collect the escrow shortage of {$2700.00}. I called our loan servicer, Lakeview Loan Servicer ( XXXX ), on XX/XX/XXXX to try and make the escrow shortage payment in full. When I called their was an automated message stating the company has been hacked and they have no access to our personal information. When I finally spoke to a representative she had no idea when customers would be notified of the hack and could not access our loan. Since XX/XX/XXXX I have not received any official notice from the company that their has been a data breach. There is no way to access our loan online to make payments, and no one answers the phone. On XX/XX/XXXX at XXXX I received an email from Lakeview Loan Servicing XXXX they had created a new website that was able to be used for customers to make payments, and they stated we would need to reenter our bank information. This website was only accessible by clinking then link in the email. We have no way to tell if this website is real or part of the attack. I tried calling them at their number XXXX and it goes to an automatic answering service that asks for your last 4 SSN to verify you. When input the call is automatically ended. When I Called back it then asked for either my loan number or full SSN to verify my account. After I entered in my loan number it said my loan could not be found. There is no way to speak to a real representative. There is no way to pay our mortgage or to know if our personal confidential information has been leaked. | ||||||
| 07/07/2022 | Yes |
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| So XXXX XXXX and i am so XXXX, theyre giving us a hard time. So much effort, money and time. We are supposedly to be treated equally. We dont deserved these. On 1st week of XX/XX/XXXX, I requested and inquire about Loan Assumption since we have an FHA Loan, our mortgage is assumable per their office. They ( XXXXXXXX XXXX-Lakeview/XXXX ) sent the Loan Assumption Packet dated XX/XX/XXXX and was receive only on XX/XX/XXXX which need to be filled up, signed & w/ completed requirements, Within 30 days grace period and need to be submitted on or before XX/XX/XXXX. So i was rushing, emailed on XX/XX/XXXX and waited for more than month and has been denied due to XXXX missing legal document, which Deed of Transfer If i dont call them, we will never know what is missing, not updating us the status nor any progress of our application if i dont bothered calling them almost everyday, we are waiting for nothing. We have the right to be informed what is the progress or if we are incomplete even thru mail or email, Case Closed. So we asked them if they can open a new case. 2nd Case for Loan Assumption Packetmade on XX/XX/XXXX, received loan assumption packet only on XX/XX/XXXX thru mail. So, immediately emailed on XXXX again w/ registered from XXXX XXXX deed of transfer - transfer of ownership. We spent a lot of money, lawyer, docs & property tax. And we are definitely sure, we completed the application and again denied dated XX/XX/XXXX by calling them XX/XX/XXXX. Ive been asking them what is the reason, and no reason, they dont know., so inefficient, disorganized. This is my XXXX child sho love this home, we fought to win back this house from foreclosure. We got this home back to us again. Thru your help because we begging fir your assustance. We really really need your help. Please help us, whats is going on. Emailed again all dated XX/XX/XXXX. | ||||||
| 01/14/2021 | Yes |
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| LakeView/LoanCare is servicing my current VA loan ( Loan No. XXXX ). I initiated a " streamline '' refi with Lakeview in XXXX XXXX. Completed required documentation and waited. After six weeks I contacted the person I first talked to ( XXXX XXXX ), who I assumed was handling the refi, he just referred me to another person ( XXXX XXXX ) as if he had no further involvement and didn't care. The person he referred me to assured me that the " final docs were expected that day '' ( XX/XX/XXXX ) and the anticipated closing date was XX/XX/XXXX. When that date past without word, I contacted XXXX XXXX again. He then informed me that he was waiting for XXXX to pay the XXXX XXXX property taxes and suggested I contact them to request they pay the taxes. I was stunned that this was coming up now. I managed to finally get XXXX on the phone, they informed me that LakeView had initiated a " netted payoff '' so the could/would not pay the property taxes with the " netted payoff ' in progress! This was my first indication that my XXXX taxes hadn't been paid, when I checked with XXXX County I discovered that I now owed not only overdue property taxes, but an additional penalty of {$390.00}. I've contacted, or attempted to contact Lakeview and XXXX numerous times. It's nearly impossible to get anyone on the phone, but even when I have, they just point fingers at each other! I don't feel it's my responsibility to pay this {$390.00} penalty. But after numerous attempts, phone calls and emails, all gone unanswered, I am still waiting for someone to help resolve this issue. My XX/XX/XXXX property taxes remain unpaid, and XX/XX/XXXX payment will soon be due! I find it totally unacceptable that they will not pay the taxes, and fail to respond to my many attempts to get them paid! My refinance? I have no idea where it stands!!! No one will contact me! | ||||||
| 10/10/2018 | Yes |
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| I attempted to pay my mortgage on XX/XX/18 through online processing. I have my bank account saved, and selected it. I received the email notice confirming my payment. A week later ( XX/XX/18 ) I realized the payment had not hit my bank account. I called the mortgage company to check on the status. At this time I was told that the payment didn't go through, but they would process for me using my saved banking information. I agreed, and once she completed the process I asked if the late fee could be removed since I had attempted to pay on time and the payment processing didn't work. The representative initially agreed that they could cover a portion of the fee. When I asked if they would cover the entire fee since I had never had a late payment she then agreed. I received an email the next day confirming my payment, for the second time. Another week passed and once again I noticed on XX/XX/18 that my payment had still not processed in my bank account. At this time I called the company again. The representative stated that the first time I attempted to process there was a digit missing on my bank account number ( which was saved ). She wasn't able to determine what happened the second time when the representative processed over the phone. I asked if the fee 's could once again be removed since I had now attempted to process payment twice and she stated that since " it was my fault that it didn't go through '' that they wouldn't cover the fees. I explained that the initial late fee that had already been removed could technically be considered my fault, but that was not the fee in question. The fee would be related to the second payment processed by the representative. At this time I have payed my mortgage, but there is now a fee left open on my account, in addition to a negative mark on my credit report for " late Payment ''. | ||||||
| 06/30/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022, I closed on my house, however, I received three payoff amounts from my servicing company Lakeview LoanXXXX Servicing, LLC within 30 days. I am not sure what the actual payoff amount was because a month later, I am being sued by the buyer closing attorney for deficiency mortgage payoff for a few thousands dollars and my servicing company has not been able or willing to clearly explain what happen per the attached documents even though they sent me a certificate of satisfaction for the loan amount of {$230000.00} with a account history showing the accepted payoff was {$230000.00}. Yet, in an email from XXXX XXXX, I was told the payoff was {$230000.00}. The original quoted payoff check was supposedly returned but does not show what the shortage amount is from the servicing company. There is nothing in the account history showing the received check or the wired amount of {$230000.00} sent to XXXX XXXX to whom I did not have a mortgage with. I contacted XXXX XXXX Executive Office and they could not give me any information as my mortgage did not belong to them. None of the numbers adds up. I wrote to my servicing company on XX/XX/2022, they responded on XX/XX/2022. My current mortgage with the same servicing has been showing short and late for the inception of the loan, however, they did claim to " waive '' late fees that was never late on XX/XX/2022, yet, the last statement still shows unpaid, late fees, etc. Explain why they recently took {$37.00} from the refunded insurance addressed to me if they had been paid off on XX/XX/2022. I feel like I have been subjected to fraudulent behavior and unethical practice by the servicing company and the buyer 's attorney. When I recently read the XXXX complaints about Lakeview LoanXXXX, I only wish I had read them sooner and not listen to the agent to finance with them. | ||||||
| 03/22/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I was offered a refinance option ( XXXX ) through my current lender, XXXX XXXX XXXX, and was in contact with a loan XXXX working with the company for the process. Im currently residing in XXXX, XXXX, but have family living in my home in XXXX XXXX, Maryland. Initially, I went through the whole process of digitally signing documents and obtaining the requested documents by getting a power of attorney for my mother to be the designated signee through the XXXX XXXX of which took time, money and other logistics on my part to get done so we could close for the refinance. During this time, my mortgage payments changed due to a shortage on the escrow in XXXX of XXXX, and since the account was being deducted automatically, the change had to be made via the bank and I reached out to the company to make payments via the phone but they couldnt take the payments. Further, the money owed was part because they didnt receive the full payment, but the main mortgage principle that we were paying for XXXX years was still being deducted. That sum was a total of {$1700.00}. The late fee was also charged and paid thereafter. After the change that increased my mortgage payments to {$1800.00} was made in XXXX, they received my power of attorney that I obtained from the U.S. consulate in XXXX, XXXX XXXX, they decided to deny my refinancing option under the basis of missing one late payment. I wanted to talk to someone in the department regarding this but was not met with my requests. I really feel that this whole situation couldve been handled better and fairly treated under the circumstances I was in. I would like to complain about this with hopes of receiving a fair shot, since we were doing our due diligence for 4 years making payments on timeeven in the mist of the pandemic we were puntual with our mortgage payments. | ||||||
| 07/21/2023 | Yes |
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| My loan transferred to Lakeview Loan Servicing this month XX/XX/2023. When my automatic draft did not draft on the authorized date previously set up with my previous servicer I called Lakeview Loan Servicing to inquire about the draft. On XX/XX/2023 I spoke with an agent who said my draft date transferred showing it was to be pulled every XXXX of the month. I requested to cancel the draft for this month and pay the payment on that day. She took my payment for {$1300.00} and assured me my automatic draft would continue next month for {$1400.00} which includes an extra {$100.00} towards principal. Today I noticed that Lakeview actually drafted an extra payment for {$1400.00} in this month of XXXX on the XXXX. I requested that they fix their error and refund one of the payments as the {$1400.00} was not authorized until XX/XX/2023. The agent named XXXX declined to assist me in refunding it because they needed proof of the payment. I relayed to him that I am not at fault here and it was their error and they didn't even have permission to draft it. He transferred me to XXXX ID XXXX who also declined to refund it and advised me auto draft can't be cancelled for the month it is set up. I told her that is not legal and if someone calls to cancel a payment it should be cancelled as they do not have permission to draft it at that point. XXXX refused to refund the payment so I requested to cease all auto draft payments set up. I requested a supervisor which she declined to transfer me to and said they would call me back within 48 hours. Their policy to not refund unless proof of payment is provided is ridiculous and not logical. The transaction has cleared my bank and it's been greater than 5 business days at this point. They did not even have my permission to draft it and especially not on that date of the XXXX. | ||||||
| 01/23/2023 | Yes |
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Web | Servicemember |
| XXXXXXXX XXXX XXXX XXXXXXXX has no contract with XXXX XXXX XXXX XXXX, now XXXX, XXXX. The company claims to be some sort of representation of LAKEVIEW LOAN SERVICING , LLC, who the affiant also has no contract with. This company is harassing and maybe in possession of intellectual property. A surplus has been created in the name of XXXX XXXX XXXX XXXX. I demand that this estate property be returned to the trust immediately. I have reported this company to the XXXX XXXX XXXX of the Internal Revenue Service for unauthorized use of non-public personal information without expressed authorization. Attached is LAKEVIEW LOAN SERVICING , LLC default. The affiant is not indebted to anyone. All debt obligations are of the United States per 18 U.S.C. 8, 12 U.S.C. 411, 31 U.S.C. 3123, 46 U.S.C. 53705, etc al.. This company has furnished deceptive forms to a consumer/natural person. Communication is coming from a debt collector and the communication is false and misleading. I do not choose to contract with any of these debt collectors. I demand that all estate property be released immediately. This is not a request. If terms and conditions are not met within 5 business days, a federal lawsuit will be commenced against these criminals for violation of the Civil Rights Act of 1866, Truth in Lending, and Fair Debt Collection Practice Act. Please keep in mind that any implication that communication is coming from an attorney is false and misleading pursuant to the FDCPA. LAKEVIEW LOAN SERVICING , LLC has acquired a debt and has agreed by silence to the debt. This debt will be considered a bad debt and will be collected upon the rule 453 with the Internal Revenue Service. What these two companies are doing is Identity theft. This is illegal and the RICO Act will apply to such criminals as well. PLEASE SEE ALL ATTACHMENTS | ||||||
| 09/27/2019 | Yes |
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| I have been with Lakeview Loan Servicing/XXXX XXXX XXXX XXXX ( hereafter referred to as " XXXX '' ). Mortgage for three years. I recently made the decision to refinance and thus change mortgage companies and homeowner 's insurance companies. XXXX is responsible for paying my homeowner 's insurance from my escrow account and has done so without issue in the past. Recently, they allowed my insurance policy to lapse for non-payment. The company was notified of the pending cancellation via letter from XXXX XXXX. Prior to this happening, I had called to notify them of the change of insurance companies and provided them with the necessary information to continue making payments. It was only once I received notification from the new insurance company ( XXXX XXXX ) and the refinance company ( XXXX XXXX ) that I was made aware that the policy had not been paid. Not only was this holding up my refinance but the policy was due for cancellation. I immediately contacted the insurance company and was told that the payment needed to be sent overnight. I contacted XXXX and was assured that the payment would be sent via overnight. Days later, I was notified by XXXX XXXX that the policy had still not been paid. I called XXXX again and was told that the payment had in fact not been sent because the representative I had spoken to did not provide " adequate documentation '' when making the requests for payment. Instead of XXXX notifying me that they payment was not paid, they simply ignored it and allowed my policy to lapse ( unbeknownst to me ). While this may appear to be simply a careless mistake, I am convinced that since I had made a decision to go with a different mortgage company, XXXX maliciously and intentionally neglected to pay my homeowner 's insurance. I am requesting that this incident be investigated. | ||||||
| 02/26/2021 | Yes |
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| Dear Sir or Madam : My husband and my mortgage loan servicing company, Lakeview Loan Servicing , LLC, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX ; XXXX. XXXX XXXXXXXX, XXXX, PA XXXX ; and XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX, twice missed my hazard insurance payment in XXXX and XXXX. Instead of notifying us via email or by telephone, we received a letter stating we needed to get new insurance or Lakeview Loan Servicing would purchase it themselves. My husband and I purchased insurance on our own then forwarded proof of insurance to Lakeview Loan. Lakeview Loan then proceeded to pay the insurance on our behalf. We disputed this and requested immediate reimbursement. Additionally, Lakeview Loan has stated that our escrow payments have increased and we had a shortage of {$1300.00} that must be paid over time starting XX/XX/XXXX. After investigating why there was a shortage, we contacted Lakeview Loan and discovered the above failure to pay hazard insurance. Also, Lakeview Loan claimed our local municipality and county taxed had risen. We reviewed those taxes and the increase was approximately {$45.00}. We have disputed the additional escrow payment and requested the escrow account be deleted approximately 20-25 days ago. This has not occurred and Lakeview Loan is still requesting the additional escrow shortage and has yet to reimburse us for the hazard insurance payment. We have never missed a payment on our mortgage even during the trying times of XXXX. Our demand is that Lakeview Loan reimburse us immediately for the extra hazard insurance payment, immediately delete our escrow account and refund us any remaining escrow, and provide us with a new statement showing the amount of principal, interest and PMI we owe from XX/XX/XXXX forward. Sincerely, XXXX XXXX XXXX | ||||||
| 08/05/2021 | Yes |
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| After being on Forbearance due to Covid-19 epidemic and being unable to get back to work most of XXXX and part of XXXX I was returning to work in XX/XX/XXXX from a work injury and in XXXX of XXXX I began a cash out refinance of my home to payoff credit card debt acquired during the covid-19 shut down on XX/XX/XXXX I made an electronic payment of {$4400.00} through my online bill pay at XXXX XXXX to Lakeview Loan Servicing to bring my mortgage current which posted as paid to them on the XX/XX/XXXX this cleared up four unpaid months back in XXXX due to thirty day waiting periods for my mortgage payment protection and returning to work to get my first full paycheck the payment posted to my Lakeview Loan Care account XX/XX/XXXX which gave me a clear twelve month payment history on XX/XX/XXXX I called in to Lakeview Loan Care Loss Mitigation department and ask for a cancelation of my Forbearance and a letter of confirmation I was told it could take up to 24-72 hours to generate the letter and to call back Monday or Tuesday to see if they could email it to me when I called Monday I was told my payment had been retracted so I went back to XXXX XXXX and they confirmed they had not retracted the payment so I would like some help finding out why the payment was retracted from the same source I have used to pay my mortgage for a least a year or two and where was it retracted to and now reapplied with out a clear account history and I have still not received my Forbearance ending letter or confirmation or any information pertaining to it can you help me has any laws been broken with this unwarranted delay and inexcusable miss handling of my funds payed to the account. The Company who is now handling my home refinance is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX which was started about XX/XX/XXXX. | ||||||
| 06/02/2023 | Yes |
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| I need assistance with an overpayment made by my servicer XXXX to cover my property taxes for this year. XXXX has taken 2 disbursements in the amount of {$2600.00}, these have been pulled from my escrow account. Since my loan was sold to XXXX near the time off the 1st installment due date- ( 1st Due date XX/XX/XXXX ) the first installment was already covered by XXXX XXXX XXXX I have reached out to XXXX county who has provided the information : This is in response to your two email inquiries. As of today, we show that the first installment was paid by XXXX XXXX with EFT payment on XX/XX/XXXX. The second installment was paid by XXXX with check # XXXX for {$2600.00} on XX/XX/XXXX. We show that there are no double payments. If your lender states that the check was cashed, please contact your lender, and send us a copy of the front and back of the cancelled check. Thank you, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX will not issue a refund for the overpayment they have pulled from my account which was erroneous. They will also not send a copy of a cancelled front and back check to verify the payment was pulled by the County. This essentially is misallocated funds, theft from my account as they have not applied it to a County Tax as they should have. Additionally when reaching out to this agency- I have spent more than XXXX hours speaking with staff. I could not be connected to a Supervisor or manager. After requesting a call back customer service agents read notes stating I have been contacted by a supervisor- which is false- I have no record of any calls in my call log on the dates notated. During these calls I also get placed on extended holds and the reps disconnect the line after an hour of waiting. Its as if this agency wants to make you wait so long that you give up on your call. | ||||||
| 04/20/2021 | Yes |
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| My mortgage provider Lakeview Loan Servicing LLC, has failed to pay the correct amount from my escrow for my XXXXXXXX XXXX. On XX/XX/2021 I called Lakeview Loan Servicing LLC and notified them that they had only paid {$0.00} in XXXXXXXX XXXX when the amount due was {$8700.00} if paid in XXXX. I was told that there was an error made and it would be resolved in XXXX days XXXX XXXX XXXX ). I also emailed XXXX XXXX a scanned copy of my XXXX XXXXXXXX XXXX statement with the amount due. On XX/XX/XXXX I still did not see the payment posted so I called the provider again. This time I was told that they were going to start reviewing the error that day and not actually have it resolved that day. I was told by the company rep. on the phone that " these things take time '' and they would pay the amount for any delinquent fees. In XXXX the taxes had still not been paid but I received a Annual escrow account disclosure statement from XXXX XXXX stating surplus amount of {$6600.00} was being refunded to me largely since the projected amount for XXXX XXXX was {$6700.00} and actual amount paid was {$0.00}. I called XXXX again on XX/XX/XXXX in regards to why my XXXX XXXX had still not been paid and why I was receiving a refund. After speaking with a manager I was notified that my issue would be escalated and addressed within XXXX business days. On XX/XX/XXXX I contacted my XXXX XXXX office and verified that the amount had still not been paid. I contacted XXXX XXXX on again on XX/XX/XXXX and spoke with a representative to get an update on my escalated issue. They stated that the escalated ticket had not been reviewed yet. However they also started an escalated ticket directly to their escrow team and should have the XXXX XXXX paid in XXXX hours. At this point the payment would be multiple months delinquent. | ||||||
| 11/23/2018 | Yes |
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Web | Servicemember |
| Hello, My name is XXXX XXXX and I am writing in regards to recent change in my Escrow right away after my lender XXXX XXXX XXXX sold my Mortgage to Lakeview Loan Servicing LLC. My loan is a fixed rate mortgage. The home was purchased through XXXX XXXX XXXX XXXX with Settlement Date of XX/XX/2018. They recently sold my Mortgage to XXXX XXXX XXXX and my first payment was due XX/XX/XXXX. Before this sale of mortgage to Lakeview From XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made payments of agreed Settlement to XXXX XXXX XXXX even though XXXX XXXX States they purchased Mortgage on XX/XX/XXXX. During the time After settlement up until XX/XX/XXXX my mortgage remained the agreed cost. Suddenly, after paying my XX/XX/XXXX mortgage ( which I paid early to the new lender Lakeview ) I was informed my Mortgage payment was being increased due to incorrect calculation of the Escrow. I have not even had the house for a full year. The inspection of the home was performed a week before settlement. All figures we're calculated at that time. A month later the Mortgage Company XXXX XXXX came to the home and reinspection of the home was performed by them and the amount of insurance cost remained the same no changes. The county and State taxes have not increased since the purchase of my home on XX/XX/2018. I have no way of finding out how this new lender has come up with these figure. I have contacted both XXXX XXXX XXXX to try to find out and they don't understand why this has happened either. I would like this to be investigated further. I believe that Lakeview Loan Servicing is performing fraud against it's customer by purchasing their loans then increasing their payments and claiming it is a result of under charging in Escrow. I have provided the following documents to be researched. Sincerely, XXXX XXXX | ||||||
| 05/20/2020 | Yes |
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| I refinanced my home and had a escrow refund check for XXXX mailed to me on XX/XX/XXXX it was stolen out of my mailbox, I know this because the perpetrator opened a XXXX virtual wallet account in my name using my SSN and deposited my refund check as well as 2 other checks belonging to other 's in that account and the statement 's and letter 's i did retrieve out of my mailbox. I contacted Lakeview right away before the money was withdrawn and assumed that they had stopped payment, only to find out today that this check had been cashed and no other check has been issued. I can not seem to get Lake view loan servicing to reissue another check, they have repeatably lied stating a second check was mailed out on 3 different dates, also stated they would expedite and overnight a new check. But they can not give me a check number associated with the supposed second check. However today they stated that i needed to file a police report and call XXXX XXXX which is their bank account. XXXX XXXX would not of course do anything because it is Lake view 's bank account and police told me to go to the Postal Inspector which I did. I can not seem to get any resolution or help with Lake view, which technically owes me this refund. I can provide copies of the XXXX fraud account that was opened that shows were the check and others were deposited. I also notified XXXX that I did not open this account and to close it and return the funds, I assumed that was done, however I found out today that also did not happen. I am also notifying the XXXX and identity theft .gov as well as the Federal Reserve about this matter. if anything furthur is needed please contact me Lakeview as been giving me the run around since XXXX I have called Lakeview and XXXX numerous times about this and have documented all dates.. | ||||||
| 06/08/2022 | Yes |
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| In XXXX of XXXX my mortgage was transferred from XXXX XXXX to XXXX XXXX. Due to this transfer my payment made in XXXX was not processed by XXXX XXXX and was transferred as through it was. Come XX/XX/2022 I went online to XXXX XXXX to make my payment as I had been doing, and it showed I had a past due balance of XXXX plus late fees. I paid this amount, after being told XXXX XXXX was proceeding with foreclosure and demanding the money right then and there. In XX/XX/2022, it still showed I was past due for XXXX, when calling in to XXXX XXXX again, I was again demanded a payment of XXXX, or they would foreclose on my home. Also demanding that I provide them updated phone numbers and contact info. Had to demand that I speak with a supervisor. Who discovered that while XXXX XXXX had collected my payment they had not applied the nearly XXXX to my account it was sitting in a cash account. End of XX/XX/2022, I called in because I still could not make a payment online and the payment still showed past due for a greater amount then just the amount due for XXXX. Discovered that the payments and amounts had not been applied. Now here we are XXXX of XXXX, I call in because I received a Real Property Notice of Valuation and wanted to discuss this with XXXX XXXX I am forced to take extra steps to provide documentation to even understand if th e documentation is needed by my lender or will help lower my payment. Note : speaking with a manager she was able to help identify and resolve the concern however the continued frustration with XXXX XXXX / lakeview is the inability to resolve issues and concerns typically in one call or without speaking to a manager. Being provided wrong or incorrect information by the default department, or just general lack of knowledge due to training or education. | ||||||
| 09/13/2023 | Yes |
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| My mortgage was in Forbearance due to Covid- I worked with the NY Housing Assistance Program to get caught up - which I did. I on multiple occasions requested a forbearance when I again got behind on my mortgage which was denied every time I requested. The entire time I was requesting a forbearance- I was again working with the NY Housing Assistance Program for funding. NY HAP was in regular communication with XXXX regarding my application for the program funding and in XX/XX/XXXX XXXX still put my home in foreclosure status and started charging my account tons of Attorney Fees & FC Expenses & Late Fees. Please see dates and fees charged : XX/XX/XXXX - Attorney Fee {$1600.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Expense {$520.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Fee {$410.00} ( Advance ) XX/XX/XXXX - FC Fee {$35.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$150.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Fee {$570.00} ( Advance ) XX/XX/XXXX - Claim Adj {$5000.00} ( Advance ) XX/XX/XXXX - Late Charge Adj {$25.00} XX/XX/XXXX - Late Charge Assessed ( {$22.00} ) XX/XX/XXXX - LM Expense {$14000.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$450.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$150.00} ( Advance ) XX/XX/XXXX - FC Fee {$45.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$3900.00} ( Advance ) XX/XX/XXXX - FC Fee {$1000.00} ( Advance ) XX/XX/XXXX - Claim Adj {$5000.00} ( Advance ) XXXX forced me into a loan remodification at a much higher interest rate ( 5.625 % ) than my Initial loan interest rate ( 4.250 % ). Prior to my forbearance my monthly mortgage payment was {$1100.00} but while I was in the middle of my Forbearance my regular monthly payment skyrocketed to {$1300.00}. | ||||||
| 02/22/2021 | Yes |
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Web | Servicemember |
| I have paid all of my escrow payments to my lender ( Lakeview Loan Services ) however, they missed paying my taxes that were due in XX/XX/XXXX and my home insurance due XX/XX/XXXX, I discovered they failed to make these payments even though they had more than enough to make these payments in my impound escrow account in early XX/XX/XXXX when my home insurance company contacted me the if I failed to pay they were going to drop my insurance and a day later when my lender sent me a letter that if I failed to pay the insurance they would purchase higher cost insurance. Mind you they were supposed to pay this payment in XX/XX/XXXX. I paid my insurance and contacted my lender early XX/XX/XXXX about both issues and was told they would fix and pay me back. Later XXXX I noticed they still have not paid either the taxes or return my insurance payment I contacted them again and spoke to a supervisor, yet nothing was done. At the end of XXXX I contacted their insurance section which they finally paid my insurance ( not to me, but to my insurance carrier ) on XX/XX/XXXX, and transferred me to to a supervisor to pay my taxes. They told me since I was thinking about refi the loan ( with their company ) that I had to send a request to remove the " Netted Payout '' hold even though I stopped the refi back in XX/XX/XXXX. I complied on that day XXXX XX/XX/XXXX ) however they still did not pay my taxes. Again I contacted them on XX/XX/XXXX and talked to another supervisor who said they would look into it XX/XX/XXXX saying they could not take anything out of escrow, yet they could take funds out of my escrow for the insurance. Does not make sense but that is what they said. As of today XX/XX/XXXX they still have not paid my taxes or the fines and late fees. My next tax payment is due in XX/XX/XXXX. | ||||||
| 02/08/2021 | Yes |
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Web | Servicemember |
| On XXXX the XXXX of XXXX I contacted my lender Lakeview Loan Company regarding my escrow overpayment. I was informed that the escrow team had not started on my overpayment and it probably wouldnt happen till the beginning of the new year. I enquired as to why this would take them so long to process my escrow return. The agent informed me that the company would also be preforming the escrow reevaluation at that time. I stated I understand and I would wait time after the start of the new year. On XXXX the XXXX XXXX, I received a letter from LAKEVIEW Loan company stating that I should have a check cut and sent out within the next 20 business days. Due to holidays and weekends I waited till XX/XX/XXXX, to contact LAKEVIEW Loan company regarding my overpayment check and the fact my escrow amount was evaluated as increasing. I questioned why the check had not been cut as of yet and was told the check definitely should have been cut. The LAKEVIEW Loan agent stated that they would put in the order to cut the check and it should take 48 hours. I then addressed the fact my escrow amount increased even though I do not pay property tax under the states homesteading laws. The agent stated that they would put in a request to do a reevaluation of my escrow. I stated that would be fine. It is now XXXX the XXXX XXXX, i emailed LAKEVIEW Loan company that they still have not cut my escrow repayment check or reevaluated my escrow payments. I informed LAKEVIEW Loan company that they had 48 hours to rectify these issues or I would contact the CFPB regarding the violation of XXXX. It is now XX/XX/XXXX, and I still have not heard from LAKEVIEW Loan company regarding my escrow repayment. During these uncertain times the money that I have overpaid my Loan company could really be used to help my family. | ||||||
| 01/10/2023 | Yes |
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| On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX tax collector sent a letter informing my fiance and I that we had an outstanding balance owed on our XXXX real estate taxes. We had refinanced our previous mortgage XX/XX/XXXX and verified with the closing agent that they had appropriately applied escrow funds for taxes owed. At the time of receiving the letter, I attempted multiple times to resolve the escrow shortage with the Lakeview loan servicer, XXXX. In addition, the insurance broker I have used for years attempted to call them for the hazard insurance. When the broker called, XXXX stated they had no record of my loan. During my attempts to resolve, they would claim to research and call me back but never did and now 7 months later I can not resolve this issue. By reviewing the payments on the Lakeview loan servicing website, I can see funds posting as XXXX XXXX and XXXX XXXX XXXX XXXX. However, the amount listed {$2600.00} is not our quarterly escrow amount. It should be {$2200.00}. I have asked for copies of checks and evidence of where the funds were sent to. If we can obtain this, we can see where these funds were applied to. We were informed by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX collector that the amount {$2600.00} does appear to be the amount owed for our condo association builder ( XXXX XXXX XXXXXXXX XXXX ). But we can't get XXXX to work with us or provide the documentation needed to resolve this. My fiance had posted a poor review on the XXXX XXXX XXXX and Lakeview reached out to state they are opening a case but passed it back to loan servicer XXXX. We do not want this issue to continue being unresolved. Our escrow balance went into a shortage, our taxes are not paid, and our mortgage payment increased to account for a shortage created by XXXX in the first place. | ||||||
| 12/31/2019 | Yes |
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| Because this company goes by 2 different names, I submitted a complaint for both XXXX and Lakeview Loan Servicing , LLC. Our homeowner 's insurance policy had not been paid by our mortgage lender, XXXX. I received a letter on XX/XX/XXXX from our insurance stating our policy had been expired on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and was put on hold for total of 50 minutes, bounced around to several representatives and finally spoke to someone that handles complaints. They stated they sent out a check but it would take about 12 days to arrive. I told them that was unacceptable and I wanted to have my homeowners 's insurance in place that evening. They said they were going to send an overnight check to our homeowner 's insurance on XX/XX/XXXX - well today is XX/XX/XXXX ( 4 days later ) and the insurance company still didn't receive any payment from XXXX. I called the insurance at XXXX on XX/XX/XXXX - the end of the day, and they stated they never received anything. As of right now, I don't believe we have any homeowner 's insurance on our home. XXXX also stated we may get billed for them having to do an overnight payment. I even had to sign an eDoc on XX/XX/XXXX that was sent from our homeowners insurance stating we will not file any claims from XX/XX/XXXX until now. This is XXXX. I do not trust this company at all - they still did not pay our homeowners insurance - it expired on XX/XX/XXXX and today 's date is XX/XX/XXXX. No payment was received by our homeowners ' insurance yet. XXXX XXXX XXXX ( which also goes by Lakeview Loan Servicing LLC ) is an irresponsible mortgage lender who has put us in jeopardy if anything were to happen to our home. We are not insured as this time because they failed to pay it! It is now 10 days late ( and counting ) still not insured. | ||||||
| 06/29/2020 | Yes |
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| On XXXX of XXXX Lakeview Loan Servicing LLC paid to XXXX County two payment of taxes after audit from XXXX. the amounts they claim they paid were XXXX and XXXX. To my knowledge, the XXXX was paid in error, and not owed, yet is was taken from escrow account. Further investigation shows that XXXX county never received the XXXX, although they did receive XXXX on XX/XX/XXXX. I brought this discrepancy to the attention of Lakeview Loan Servicing LLC on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX - who said it would be looked at by XX/XX/XXXX. After getting no response I brought it up with supervisor XXXX on XX/XX/XXXX and again with XXXX on XX/XX/XXXX. I still did not get a response so I brought it again to supervisor XXXX XXXX on XX/XX/XXXX. He said he would escalate to Tax dept. On XX/XX/XXXX I received an email from customer support stating that they would respond in another 3 days, and then on XX/XX/XXXX another email stating they were still investigating and would respond within 3 days. After hearing nothing more, I called again on XX/XX/XXXX and spoke to supervisor XXXX. He said he would escalate to tax dept. After explaining we had already been down that road, he transferred me to Leadership member XXXX. While once again explaining everything to XXXX, who seemed to understand the problem, we were disconnected. I called back and no one was able to transfer me back to her. They stated that the notes showed that the check for the tax was sent and they would, once again, have to investigate. I have let everyone know I have documents showing tax history and that the XXXX was never received. I believe Lakeview has been giving me the run around and has not seriously looked into the issue since originally brought up midXXXX, XXXX 1/2 months ago. | ||||||
| 01/24/2018 | Yes |
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| I would like written documentation indicating who should be named on my Homeowner 's Insurance Policy as the Mortgagee. The company keeps telling me it should be Lakeview Loan Servicing, but they have been unwilling to provide evidence or written documentation to back up that statement. In addition, I have gotten statements over the past year from both Lakeview Loan Servicing and XXXX, so I am not sure which, if either of these two companies should be named as the Mortgagee in my homeowners insurance policy. When I dealt with this company this past summer requesting the removal of my PMI, they told me that the reason it took you over 60 days to respond to my request was due to the fact that they were just the loan servicer and could n't make any decisions themselves, which makes me wonder whether they should be named as the Mortgagee on my home owners insurance policy. Further, I requested this information on XX/XX/XXXX and was told it would be sent that day. I never received this documentation. I have now waited over a month and have received nothing. This needs to be provided asap as I have an insurance check that I need to have endorsed in order to pay for repairs that I have paid for out of pocket that were covered by my insurance policy. I have basically perfect credit. I am years ahead on my loan payments and still this company treats me like I do n't matter and am requesting something ridiculous. I have a contractual obligation under my mortgage to name my mortgagee on my homeowner 's insurance policy as the mortgagee, and this company can not provide me the basic assurances or evidence that would substantiate that I have the correct company named in my insurance policy so that I can be certain I am complying with my contractual obligations. | ||||||
| 01/17/2021 | Yes |
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| Mortgage company, Lakeview Loan Servicing XX/XX/XXXX payment was sent by XXXX via Bill pay on XX/XX/XXXX ( for a scheduled payment XX/XX/XXXX ). The payment had not posted by XX/XX/XXXX. I contacted the loan servicing agency who stated they had not received the payment and advised me to stop payment and make the payment via their website. I stopped the payment. I did not have the loan number and therefore contacted Lakeview Loan Servicing, ( which was absolutely cumbersome, difficult to speak to a representative after multiple prompts and extensive waiting times ). After I obtained the loan number, I then made the payment through their website. On XX/XX/XXXX, I received a late payment notification via US Mail. I called the Lakeview Loan Servicing ( which again, required extensive time to reach the appropriate department ), to attempt to resolve the issue, request that I would not have a late payment and not have a derogatory remark on my credit report. I was assured I would not have either. On XX/XX/XXXX, I received notice via email that the payment had posted! Again, I phoned the company to advise them of the payment I made via the website and the stop payment. I was told there would not be an NSF fee. And assured this delay in payment posting would not reoccur. I have since received my monthly statement with a late payment charge and an NSF fee notice. Background : previous payments have always been paid via XXXX and always received by the due date. My XXXX payment, paid by the same method, was posted on XX/XX/XXXX. It is my opinion that XXXX XXXX XXXX made the error of not posting the XXXX payment by the due date. I have contacted my bank, XXXX, who will be sending Lakeview Loan Servicing a statement of proof showing when the payment was sent. | ||||||
| 05/19/2020 | Yes |
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Web | Older American |
| We have issues with wrong info on our mortgage account and CAN NOT resolve them because all the phone numbers and extentions they provide no PERSON answers, the recordings do not pertain to our issue, they have reported us to the credit bureau 's 1 ) due to the virus I told them I couldn't pay XXXX because we were supporting XXXX humans with us but not only that there was a moritorium made by our Governor on XX/XX/2020 that a late payment could not be reported 2 ) even without the moratorium they did not wait the 30 days. They also report in their letters that XXXX was missed but I have proof it was. They are charging us late fees when with a 15 day grace period NONE were late. When we purchased the house we paid it the 1st every month. They then increased it and being on a fixed income I had to make up the {$120.00} with ss check but it was never sent after the 15 days. They in again a letter said they DON'T apply the XXXX to the mortgage payment. Well if it's my account and it isn't late why not? I have been receiving robo calls daily and voicemails daily with NO valid # number to call. If I answers the call it just tells me to call a number that I can't reach anyone at. I have letters I have written, the last was certified receipt requested and they received it and I got back a letter telling me to call someone, different # but and extension. Well guess what we called repeatedly and again recordings that person and extension " not available '' and NO RETURN CALLS TO OUR VOICEMAILS ASKING THEM TO CALLS us back. I have been told that XXXX XXXX has received numerous calls with the same complaint I have. Is there anyway this Sham can come to a close? Is there anyway I can get my credit restored because of their false reporting or can they be sued? | ||||||
| 11/28/2023 | Yes |
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| On TUE, XX/XX/, upon several attempts to speak directly with a *live* LAKEVIEW LOANCARE Customer Service Rep at their Toll-Free XXXX XXXX XXXX XXXX XXXXXXXX to verify that our XX/XX/2023 MORTGAGE Payment was *processed/posted*, we received the following *auto-recording* " XXXX XXXX ARE CURRENTLY DOWN, AND AS A RESULT, OUR AGENTS DO NOT HAVE ACCESS TO YOUR LOAN INFORMATION. " ; however, on XX/XX/2023, we were able to locate a separate Toll-Free # ( XXXX ) XXXX ( as of yesterday, now *OUT-OF-SERVICE* ) enclosed in our LAKEVIEW LOANCARE Statement envelope but it was for a Loan Specialist. We called that # ( XXXX ) XXXX on XX/XX/2023, spoke with Loan XXXX, XXXX XXXX ; he said that XXXX is a *separate Department* from the LAKEVIEW Dept. , and they have limited access to Customers Accts., and that the XXXX Dept. is experiencing Technical Difficulties with both their Customer Service Line and Website, and they have been advised to encourage XXXX Customers to please try again tomorrow ( XX/XX/2023 ) as they are working to quickly resolve the issues ; lastly, the last Online Payment processed/posted for our XXXX Acct was on XX/XX/2023, and that our XX/XX/2023 Online Payment did *not* process/post, as of yet. We were able to schedule another Online Payment on XX/XX/2023 prior to speaking with XXXX XXXX ; however, as of today ( XX/XX/2023 ) neither Online Payments have processed/posted ; and we have attempted to call XXXX Customer Service Toll-Free XXXX ( XXXX ) XXXX everyday except on XXXXXXXX XXXX XXXX XXXXXXXX HOLIDAYS, nor on SUNDAY. We received a XXXX XX/XX/2023 LAKEVIEW XXXX XXXX EMAIL re : *Your One-Time Payment Draft In The Amount Of {$1900.00} Was Scheduled On XXXX ; but nothing since then ; we received the same NOREPLY EMAIL on XX/XX/XXXX | ||||||
| 07/06/2021 | Yes |
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| The account is set up for automatic payments. The XX/XX/XXXX payment was paid on XX/XX/XXXX. This was confirmed with my bank ( provided time of XXXX XXXX and the ACH # to the lender on XX/XX/XXXX - see email attached ). I was initially told via phone call in XXXX it was resolved and should show so on next statement. Despite this information provided to lender and my request to stop harassing me about a paid payment, it continued and the monthly statement continued to show unpaid with fees and late fees piling up. After numerous calls, I was told they needed a bank statement showing the disputed error. After providing this in XXXX, I heard nothing for nearly 3 months, but the monthly statement still showed past due. After weeks of complaining and no resolution, I was eventually assigned a specialist to deal with the complaint on XX/XX/XXXX. She requested a clearer copy of the bank statement I sent 3 months prior. I responded immediately on XX/XX/XXXX with an email attaching a complete bank statement showing all interaction and payments to the lender, including the XX/XX/XXXX processed payment that was already proven as paid with bank ACH # etc. I followed up with a personal call to her provided extention, but it was not valid. To my dismay, the XXXX statement still did not show the payment. I sent three emails on XX/XX/XXXX asking why I was still getting collection letters from XXXX. no response was received. since I've tried to call the specialist at least 10 times, no luck. she's gone awol as there is no extension. after leaving a voicemail twice in the general phone box, i received no call back and am completely done with this 7 months of harassment. See attached emails as proof of interaction with the lender and all statement above. | ||||||
| 10/12/2023 | Yes |
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| In XX/XX/2022 I filed for a forebearance while I was on XXXX XXXX XXXXXXXX. I then in XXXX applied for a loan modification and was accepted to have a partial claim. However, I have two out of state coborrowers ( my parents ) and have been sent the loan modification documents multiple times which has led to multiple documents being rejected or no accepted with no explanation. I even flew to Wyoming where the coborrowers reside to notorize these documents in person. These documents were also not accepted with no explanation. Since XXXX I have been paying my mortgage but those payments have been put into a suspense account. I have recently been sent these documents and they have not been accepted again! I can not get an agent who knows why. I have been placed on hold for hours and I have been given the run around while my mortgage has been in limbo for almost a year! I can not refinance or do anything with out this loan modification being complete. My father is a XXXX veteran who is not allowed to travel to sign these papers where I reside in Arizona. I am running out of options and have had multiple housing counselors try to get to the bottom of this issue but the third party authorizations need to be a wet signature so they arent able to get far. I just want to continue making my mortgage payments and never have to worry about if im going to get foreclosed on. This company is not helpful or knowledgeable and customer service is non existent. Their website is horrendous and confusing and Im doing my part by continuing to get these documents notarized and having my XXXX XXXXXXXX parents get these documents notarized as well. It is very frustrating that I can not get my loan in good standing when I am still making my monthly payments on time. | ||||||
| 09/13/2019 | Yes |
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| Hello- Last year I was struggling financially. In XX/XX/2018 I applied for a mortgage modification. In XX/XX/2018 I received a letter from an attorney stating that my home was in foreclosure process. NOT THAT IT WAS IN FORECLOSURE but that the process had started and that was my notification of what was happening. I was very confused because the mortgage modification was supposed to help me. I wrote the attorney and asked for an explanation and disputed the debt because of the modification. They responded and said that the file was " on hold '' due to the modification process. Fast forward a few months and I made my trial payments on time. I get approved for the final modification but the attorney is saying the Mortgage company told them to keep the file open. The file is not closed but rather open and I am being reported as foreclosure to the credit bureaus. ( See Attachment from XXXX ) XXXX is reporting me as having a foreclosure. The FACT is that I NEVER went to the FORECLOSURE process. I tried to fix my situation before it got to that point. I am not disputing I had trouble paying my mortagage but I tried to remedy the situation and I am being penalized. I was told by a XXXX representative XXXX XXXX that once the modification went through the loan would be reporting as current and that it would never say foreclosure. I was also told that it might even erase some of the late payments dating back to when I started making the trial payments. I never was scheduled for a sheriff 's sale or even given a date. Attachements are letter from attorney and chase letter declining me from a business credit card. As an XXXX who is a XXXX I want to be given a fair shot and I think that this is a violation of the Fair Credit Reporting Act. | ||||||
| 11/19/2021 | Yes |
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| I have been in the refinance process with Lakeview Loans and XXXX XXXX XXXX since XXXX of 2021. They chased me for months to refinance. I finally responded to the incessant hounding and began the process. Almost 6 month later, I have not even come close to closing. XXXX XXXX XXXX has had my file in some form of review or underwriting but barely communicates with me on it. I have to chase and escalate, only for them to come back and ask for things I have already provided or for more information after having been told previously they have everything they need. I provide everything back quickly and then do not hear from the again and have to chase and chase. This has been months. I have great credit score. I shut down my HELOC for them so we didn't need to go to subordination. I have over plenty of assets and my condo has been evaluated at well above the refinance amount. I have given them everything they need time and again. This is now a situation where I have been held financially XXXX for months and am unable to make any other financial moves in case it may affect my credit. They are unwilling to answer and questions and after months just reassigned my loan without and information. XXXX XXXX and her boss XXXX XXXXXXXX are not responding at all to my questions. The only person who has been decent through this is XXXX XXXX. At this point, I am starting to wonder if this is taking so long and I am under so much scrutiny because I am a single mother. Would it take this long for a married couple or a man? I have been assured by everyone I know that their refinances did not take even half this time and yet I can't seem to move forward at all on mine. This company is not working for the customers at all and are causing me financial hardship. | ||||||
| 04/12/2019 | Yes |
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| Lakeview Loan Services, LLC acquired my loan from the original servicer several years ago. This loan is for an investment property I do not live in. Eighteen, months ago I called Lakeview Loan Services to advise them that I had moved from my old address, XXXX XXXX XXXX, XXXX, Ca. to XXXX XXXX XXXX, XXXX, Ca. XXXX. Upon their request, I had switched to paperless billing, so I do not get statements in the mail. I receive notifications each month that the servicer has received my payments. In the month of XX/XX/2018, Lakeview performed an analysis of my impound account and sent the analysis to my old address, not my email or my new address. The new analysis resulted in a rise of my payment of {$66.00} dollars per month. Because of the shortfall, Lakeview charged me three late payments and reported me to the credit bureau as late 3 months in a row. I have had several mortgages in my life and have never had a late payment ever. During this period Lakeview continued to send me emails verifying my payments were received but never contacting me by email or phone of the problem with my account. Upon applying for a new credit card, I was informed that I had 3 30 day lates on my credit reports, the only lates or unpaid bills I have ever had. I contacted Lakeview immediately and remedied the payments but they refused to reverse the late charges or the negative credit reports. I have appealed this with them but they have not replied. I have also contacted the credit bureaus and filed complaints but to date have had no success. Please help me to remedy this injustice. They failed to up [ date my mailing address, failed to call me. failed to email me of a problem even when they were emailing me every month advising that they received my payments. | ||||||
| 01/28/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2020 an Annual Escrow Account Disclosure Statement was issued for the subject mortgage loan detailing a shortage of {$340.00}. The notice detailed that my new payment would be {$1000.00} if the shortage isn't paid, or if I paid this shortage, then my new payment would be {$990.00} per month. I promptly made this payment which is shown on my account to have been applied on XX/XX/2020. My Monthly Statement for XXXX reflected the {$1000.00} as if I didnt pay this shortfall, which because of the short time since I made the shortfall payment, I can understand this, but submitted a written request to review ( Ticket # XXXX, XXXX XX/XX/2020 XXXX to ensure the payment was adjusted before the payment date. I only received a reply that it was forwarded to the processing team. On XX/XX/XXXX, the amount of {$1000.00} was auto deducted from my account rather than the {$990.00}. I provided a written follow after I received my XXXX Monthly Statement still reflecting the higher {$1000.00} ( Ticket # XXXX, XXXX XX/XX/2020 ). Besides a reply that this has been forwarded to the processing team, I still have not had any assistance to correct the billing error. On XXXX XX/XX/2020, I submitted a formal letter of Error Resolution Notice under 12 C.F.R. 1024.35 through the companies website ( Ticket # XXXX ) and again received an automated reply that it was forwarded to the processing team. My XXXX statement is still reflecting the higher amount and I am being auto-debited for this. I have attempted to call several times, and after spending a large amount of time going through the phone tree, the call gets disconnected rather than getting a live person. As of the filing of this complaint, I have not received any response from this company. | ||||||
| 05/10/2023 | Yes |
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| I closed on my house on XX/XX/XXXX. On XX/XX/XXXX I received from XXXX XXXX ( the mortgage company ) a new payment letter, closing disclosure, escrow statement and note and closing documents, because of errors, asking me to re-sign and send back. The documents had the same closing date of XX/XX/XXXX. I completed the forms according to their instructions and sent them back to Guaranteed Rate. Then, my mortgage was transferred. On a letter dated XX/XX/XXXX I received notice from Lakeview Loan Servicing , LLC that they purchased my mortgage and it would go into effect on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX, spoke to XXXX at XXXX about the difference in the payment coupon total I received when compared to what my rate should be. Lakeview was going to overcharge me. My payments should have a XXXX XXXX interest rate. She told me to send proof and they would look into it. They received the information, but never returned my calls and didn't respond to the mailed proof. On XX/XX/XXXX I called again and spoke to XXXX at Lakeview at XXXX XXXX and was sent to customer escalation and spoke to XXXX at XXXXXXXX XXXX on XX/XX/XXXX. I also re-mailed the proof documents.I was assigned to XXXX to research the problem. Since then, my mortgage has now increased again and is now {$1800.00} a month when my payments should be {$1400.00}. When I called on XX/XX/XXXX I spoke to XXXX at XXXX and she said that XXXX is my escalation rep and there is no update to give me. No one has any information. They have a note in the system that I want to have my payments corrected and that in 5 business days I will get another phone call with the update. As of today, XX/XX/XXXX I do not have a solution or corrections made on my account and there is no update. | ||||||
| 01/31/2019 | Yes |
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Web | Older American, Servicemember |
| I want to receive my mortgage taxes and interest refund for 100 % XXXX XXXX. XX/XX/XXXX I was declared a 100 % XXXX XXXX. I was notified in XX/XX/XXXX. I took my letter that stated my 100 % XXXX to my county Tax office who filed it which exempt me from paying taxes. They told me to send a copy of the letter to my mortgage company so they will stop collecting taxes out of my mortgage payment which will lower my payments. I kept calling the mortgage company asking them when they were going to reduce my payments. With each call I was told they would talk to their supervisor and get back with me. No one ever did. In XXXX I called and was told they would adjust my payments when they receive my tax bill in XX/XX/XXXX. I called them in XX/XX/XXXX about my payment adjustment and they said they had not received my tax bill. I was told by the Tax office my tax bill had gone out to the mortgage company and they had payed {$790.00} for taxes for XXXX thru XX/XX/XXXX which was before my XXXX rating of 100 %. I called XXXX XXXX back before XXXX XX/XX/XXXX and they told me taxes were paid and it was a good thing I brought it to their attention because I would not have gotten an adjustment on my mortgage. What he said upset me and I asked for my refund of taxes and interest which is over {$5800.00}. As of today, they are still deducting my mortgage payment of {$1200.00} which is incorrect, and we are in the month of XX/XX/XXXX. I called them today and was told they are still processing my payment and {$1200.00} will automatically be taken out of my account for XXXX. I told them to turn off the auto pay, and I want my tax and interest refund. I looked this company up and they have bad reviews and others have had the same problem I'm having. | ||||||
| 05/21/2021 | Yes |
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| We having trying to get a payoff statement since XX/XX/XXXX to close on our refinance. Our broker at XXXX XXXX in XXXX, CO began the process, all approved and under written, no appraisal needed, we are now just waiting for the payoff. We personally requested after XXXX XXXX, our broker contacted us stating he was not having any resposne from XXXX XXXX XXXX. We requested again, on Friday XX/XX/XXXX for the payoff to be sent via email ( stated would take 3-5 business days XXXX, again requested via phone with an agent to be faxed on Monday XXXX, XXXX. called today and they stated there was an issue with the payoff balance that it has been escalated and referred to someone else and can not contact them. It will take more time .... We requested the statement through XX/XX/XXXX since we thought we would have closed earlier this month - very easy refi, good credit, lots of equity, etc. We are leaving on Monday, XX/XX/XXXX inlate afternoon and WILL NOT have access to phone or email as we are on vacation in the wilderness through Friday. We need to close before we leave. This will cost us more money, not to mention going through the process again for a later date if not resolved. This is unacceptable for anyone trying to refinance. Normal time is XXXX XXXX for a payoff. This should not be so difficult and frustrating. Are they trying to make all the interest they can while inconveniencing us?? What can we do? Not sure if XXXX provides regs for timely turnaround for payoff statement, but we are now having to push off our closing once again that will cost us more money and potentially waiting even more, since the payoff notice was requested through XX/XX/XXXX. What recourse do we have. This NOT right. Please help. | ||||||
| 05/11/2021 | Yes |
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| We bought a home in XXXX, XXXX with a loan from XXXX XXXX XXXX. In XXXX, XXXX XXXX XXXX sent a letter advising us of our mortgage being transferred to Lakeview Mortgage and that we would need to make our first payment to Lakeview Mortgage in XXXX, XXXX. See attached letter. We made our payment accordingly for XXXX, XXXX. Then we made our XXXX, XXXX payment on time as well. Well Lakeview mortgage has been calling us that we are delinquent, so in late XXXX, XXXX we called to resolve issue. But they told us we had to make the XXXX, XXXX payment. We were told our XXXX XXXX, XXXX payment went to XXXX, XXXX and our XXXX, XXXX payment went to XXXX, XXXX. We told them that was incorrect and they said they would investigate and get back to us to call in XXXX, XXXX. So comes XXXX, XXXX and we are still getting calls that we are delinquent. So we called again several times in XXXX and no one can resolve our issue. Then they say they are working on it. Yet we receive e-mails saying issue has been resolved. Come XXXX, XXXX and the same calling over and over being put on hold and speaking to different employees and supervisors. They request documentation from our bank showing money was withdrawn by Lakeview Mortgage. We have been asked to supply them with documentation and we have always complied. Comes XXXX, XXXX we called today XXXX and I was put on hold again and we they came back was told once again that it was referred to a supervisor and that they are still investigating. Its been 4 months and they havent been able to resolve issue and we keep getting the run around. Please help we are so stressed out, what was suppost to be a beautiful journey with our new home has turned in the most stressful one. | ||||||
| 04/18/2023 | Yes |
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| My fiance XXXX XXXX and I have a mortgage with Lakeview loan number XXXX. In XX/XX/2022, we received a notice from Lakeview that our taxes were not paid and they were increasing our mortgage payment to compensate to pay the back taxes owed. When we looked on the Lakeview portal we could see our quarterly tax disbursements for the following amounts : XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/XXXX XXXX XXXX, and XX/XX/2022 XXXX. But despite these payments being made, Lakeview forced us to pay almost XXXX extra each month for several months. I filed a complaint with the XXXX and CFPB and this pushed Lakeview to research the issue. XXXX and I researched on our end with our closing attorney. It appeared that the taxes were being paid on our condo association and NOT on our condo unit. As such, after the two regulator complaints were filed, Lakeview contacted us and advised an overage of approximately XXXX was due to us and we were sent a refund. Now, a few weeks ago, we received notification from Lakeviews servicer XXXX that we owe XXXX which is the exact amount of the 5 quarterly disbursements made on our account. Again, it appears that they never corrected the tax amount that was misapplied. Dealing with Lakeview and XXXX is a complete nightmare. I also tried to reconcile the amounts using the payments made on the Lakeview website under our loan account but its impossible to do so with the way they reported our payments. I also asked Lakeview to perform an audit on our account to ensure everything was corrected but they failed to do so. Please address this issue as we will never get this resolved with them unless we double pay them another XXXX when we already paid the taxes owed on our property. | ||||||
| 06/20/2018 | Yes |
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| My home loan was sold to loan care/Lakeview Loan Servicing. I did not originate the loan there, so I have had no specific contact with any customer service representative. I attempted to call 3 different times within the month of XXXX, all ended with me hanging up as I do not have more than an hour available to wait to speak with someone. So at the end of XXXX I put in an electronic letter/e-mail to the loan company asking my question with hopes to receive contact back. When I did not receive anything back by the end of XXXX I tried calling again, still not a practical wait time. I then submitted another e-mail at the beginning of XXXX. Both e-mails detailed what I was looking for and how to contact me and neither have resulted in any attempted contact back to me. I feel that due to the reason for me contacting them that they are avoiding me. This is an unfair practice as this has possibly resulted in me paying at least an additional {$170.00} that I possibly would not have had to pay. I was contacting the company about possibly getting my private mortgage insurance removed, or at least looking into the idea. I assume that they would require me to pay for a new appraisal, but I needed to know what other costs would be associated with this and what the process would be. I have felt through this process that this company does not wish to help me to possibly get this PMI removed and are therefor unfairly trying to continue to charge me more than I should be. I feel that at the current time I am at or below 80 % loan to value, which is would be determined through a new appraisal. I am also open to the idea of making a lump sum payment to bring this down to 80 % if the new appraisal does not come back high enough. | ||||||
| 03/16/2021 | Yes |
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| My mortgager account is set up for automatic payments from my bank every XXXX of the month. It has been this way for years with no issues - until I received a letter on XX/XX/XXXX saying the payment from XX/XX/XXXX was not received. After an hour of dealing with my bank back office, I was advised a payment was in fact made on XX/XX/XXXX and verified. After a week of no resolve and constant voicemails from XXXX, I finally got thru to someone after an hour wait. I advised that there was no outstanding balance as they received the payment of {$370.00} on XX/XX/XXXX as always. I then provided the agent the banks proof info, upon which I was told I had to email the information in, yet another theft of my time. On XX/XX/XXXX at XXXX i sent the email, after 5 days of frustration and incompetence from the Loan company. I sent the email, got verified it was received, and heard nothing from them. The XXXX bill showed a missing payment still, so again I called for clarification. I was advised it was a crossover bill generated and that the account was fine. Three months later, it's still showing as missing and late, with late fees accrued and long phone wait times making it hard to get a real person. Additionally, my login information is not working, and the reset instructions are not allowing a reset for access. This issue was in error from the start, but the fact that 4 months of harassing letters and illegitimate fees and late status is ridiculous, being that the payment cleared to them and the ACH # was provided by bank showing the payment - yet somehow this verification has failed to ensure the XXXX company follows thru on fixing the account. Email is attached and bank clearance showing payment is attached. | ||||||
| 07/09/2019 | Yes |
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Web | Servicemember |
| We are currently paying Mortgage insurance. We have had the loan for over 6 years. The loan originated sometime in XX/XX/XXXX/XX/XX/2013. According to everything I have read, the MIP can be eliminated after 5 years if the LTV is less than 78 %. The appraised value of our home, as noted on the loan, was {$530000.00}. I originally tried to have it discontinued after after 5 years as that is what I was told when i got the loan and the house appraised at $ XXXX. I was told the law changed and it was now 10 years. I recently looked up the law myself and discovered it was still 5 years for loans that originated beforeXX/XX/2013. I applied to have it discontinued and was told the LTV is greater than 78 %. We currently owe {$340000.00}. By my calculation, that makes the LTV 66.84 %. When I called the company, they told me it was becasue you have to wait 10 years. I cited the law. They said, " Owe, sorry, our mistake ''. Then they said it was because I had late payments. I have not had a single late payment although there is a line on my history of payments that says " fees for late payment '' but the line is {$0.00}. I printed the report. Then they told me it was the LTV again. But when I ask them the value of the home and the payoff, they say that there is a clause or something that they won't share that make the LTV greater than 78 %. I have called several times, every time we go through the same process of them claiming the three different reasons and when I accurately refute them all, they tell me that someone will get back to me. At this point, we have paid well over {$4000.00} in MIP that we should not be paying. I don't know how to get rid of this without hiring an attorney that would just cost more money. | ||||||
| 04/07/2021 | Yes |
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| Hello, I began the loan modification process after the COVID 19 forbearance and had all of my documents submitted to Lakeview Loan Servicing ( XXXX ) by XX/XX/2021. They sent notification that our file was complete and was assigned to an underwriter on XX/XX/2021, stating that they would have a decision on our account within 30 days. Today, XX/XX/2021, I am STILL waiting to hear ANYTHING. It's been in this same status now for 75 days. I call and email them frequently and have gotten nowhere. They either just say they are working on it but have no further information nor have an estimated date of completion. When I email, I simply receive no response. Whenever I ask for a manager, I get sent to a generic voicemail box that asks for an extension ( which I don't have, nor have they given me ) or I leave a message and nobody ever calls me back. I'm trying my hardest to get this loan current so I can make a payment. My husband moved to XXXX from XXXX XXXX State for work during the pandemic. Now we are trying to purchase a home in XXXX but can't procure a mortgage while this loan is still in this status. We need this loan modification to be completed so we can make three trial payments and at that point, underwriting on our new XXXX mortgage will proceed with our loan. Until then, we are unable to move forward with anything. We've placed a non refundable deposit on the new home and are fearing losing that money while XXXX drags their feet completing this loan modification. I don't understand how this is taking so long when we are TRYING TO PAY. Please please please, any help you can provide is so appreciated. I want this to be over so we can move forward in life. This has been exceptionally stressful. | ||||||
| 10/17/2019 | Yes |
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| XX/XX/2019, XXXX XXXX contacted me stating that I qualified for refinancing on FHA loan due to making payments on time. He was giving all the required paperwork and signatures. My information was forwarded to another company ( XXXX XXXX XXXX XXXX ). I was contacted by their Loan Processor XXXX XXXX to finish the process. I asked her if the XXXX mortgage payment could be skipped since we were refinancing. She told me that she would update the loan amount and that it would take a few days. She told me that she would contact me if there was an issue with skipping the payment. I never heard from her or Lakeview Loan Servicing about the status of my refinance. I called XXXX and emailed her as well. I also left voicemail for XXXX to call me back which he never did along with emails. I was finally able to catch XXXX in the office and I asked about the refinancing and he told me that it was cancelled due to missed payment. I was never notified from either companies that the refinancing would be cancelled because of this. They reported the missed payment to the credit bureau. There was no communication for me to make the payment and both companies dropped the ball. I am more upset with Lakeview Loan Servicing for not following up given that they were using XXXX XXXX XXXX for the refinancing. I have never missed a payment until this point and I am being penalized for the lack of professionalism and communication by Lakeview Loan Servicing.They are responsible for using a financing company that did not know how to do their jobs. I have never missed a payment until they came to me with the refinancing option. Someone should have called and communicated with me before it was even report to the credit bureau. | ||||||
| 09/18/2018 | Yes |
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| I received a letter in the mail from Lakeview Loan Servicing , LLC in XX/XX/2018 stating that I had an escrow shortage of {$230.00}. I sent them the payment in full and the amount was cashed from my bank account on XX/XX/2018. The letter stated that If I do not make the escrow shortage payment, then I would be responsible for increasing my monthly payment to {$870.00} beginning XX/XX/2018. It also stated that if I do make the payment, I would only be responsible for making a payment of {$850.00}. On XX/XX/2018 I checked my bank account and the loan servicing company withdrew from my bank the full {$870.00}. I called immediately and asked them to apply the difference to the principal. When I saw that they did not do that, I called a second time and asked them to mail me a check for the difference. The supervisor told me that he would mail the check and put a rush on it. I waited about a month to receive the check in the mail, and never received it. I called the company again today, XXXX, and the person over the phone told me that they will not be giving me a check, but will be holding it in their account and applying it over time towards my escrow payments against my wishes to either mail me the difference or apply it to the principal. I explained to the agent over the phone that this was mismanaging my money, no matter how small the amount is, and he was not interested in helping resolve the issue, despite admitting fault that the company wrongly took an excess of money from my account. This is the second time I have had the issue with this company taking out more money from my account after paying an escrow shortage. The previous incident occurred last year. I did not report that incident. | ||||||
| 03/16/2021 | Yes |
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| In XXXX of XXXX, I made a monthly payment online to my mortgage company, Lakeview Loan Servicing. The payment posted, and then 7 days later, they took the payment out a 2nd time. I called and requested a refund. They required proof of the double payment, which I provided. A week before XXXX I had paid 2 mortgage payments, which affected my ability to provide a good XXXX for our family. I was told the refund would be issued by check. Finally after 3 weeks of waiting, the refund check came. In XX/XX/XXXX, I mailed a check for my monthly mortgage payment. My bank shows when the check was cashed by the mortgage company. I started receiving correspondence that my payment for XXXX was not received. When I called the customer service department, they stated my payment was not received and that I would have to provide evidence that the check cleared the bank, when I clearly have documentation that the payment was received. This issue has adversely affected by credit as it shows I have not made my XXXX payment. It is now XX/XX/XXXX, and after providing the documentation they require ( via email ), I still have not been called or notified by Lakeview that the issue has been resolved. Emails go unanswered, and no one will call me. As of XX/XX/XXXX at XXXX, EST, after finally getting through to customer service, they said it can take up to 5 to 7 business days to research the payment documentation I sent on XX/XX/XXXX. This is totally unacceptable. Their site shows I am 2 payments behind, when actually all that is due is the XX/XX/XXXX payment. At this point, I will definitely look at refinancing my loan with a local bank so I can get the proper handling and customer service my money and loan deserves. | ||||||
| 09/19/2022 | Yes |
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Web | Older American |
| I made my Mortgage payment for XX/XX/2022 on XXXX, XXXX I started receiving phone calls that I had not made my Mortgage payment. I called XXXX XXXX XXXX on Monday XX/XX/2022 to ask what the problem was. The lady told me she found they had applied payment to my principal and not the payment. She told me it was fixed and all good. I continued receiving phone calls and emails from Lakeview Mortgage saying if I didn't make my payment late fees were going to be added. They added them and sent me another statement saying my Mortgage was overdue and needed to be paid ASAP. I called them back today XXXX to find out what the issue was. I was told the problem was the payment was applied as Principal and not payment and she would fix it. I told her that I needed a new statement, not one falsely saying I had missed a payment. I was told that a new statement would be available in 5 business days. I explained to her I need the statement as I am buying a new home and my lender requested it. She again told me I had to wait 5 days for a statement. I can understand if it was my fault, but it is clearly Lakeview 's and not mine as he agreed. Explained to her I needed this ASAP as my current home is sold and I need to be out of my current house by XXXX. She again told me I had to wait 5 business days. I reminded her I had called a week earlier and was told this was fixed and her response was it takes 5 days for a new statement to come out. I told her again I had called the week earlier, and she told me again it would take 5 business days. IT is clearly their fault the way the payment was applied and I need this statement now and I should have gotten one from the last call. Please help me | ||||||
| 05/01/2019 | Yes |
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| On XX/XX/XXXX I closed escrow on my property ( XXXX XXXX XXXX, XXXX, Az. ). The prior owner was in foreclosure, however funds from the sale of he property satisfying his outstanding principal balance were wired to his mortgage company ( Lakeview Loan Servicing ). Lakeview failed to advise the local trustee that the debt was satisfied, and the trustee subsequently executed a trustees sale. This act of foreclosure was taken against me even though I did not and had not owed a debt on the property that had defaulted. In XXXX of XXXX I was served with eviction orders by the third party who purchased MY property at trustees sale for about $ 170k. I was forced to engage counsel and defend my right to occupy the property I had purchased fair and square. At that time, I was forced to file a prior CFPB complaint in order to get someone from Lakeview to respond to my many inquiries. A compliance manager from Lakeview reached out to me, and for a short time it seemed like the mortgage company would be working to resolve an obvious error on their part. Fast forwarding to XXXX of XXXX, I am still in danger of being evicted from a property I purchased fairly because Lakeview Loan Servicing has been and continues to be incapable of giving the matter any reasonable attention. All I want is for Lakeview to PAY ATTENTION to my issue. I want them to work with the third party who purchased the property at the improperly executed foreclosure sale in XXXX, and get my name and my family out of the way of eviction proceedings. Ive been treated indifferently at best, and would say that Lakeviews negligent and inappropriate handling of my situation is the exact reason a body like the CFPB exists. | ||||||
| 03/16/2021 | Yes |
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Web | Servicemember |
| I have already tried to submit tickets to the Lakeview, ticket # XXXX. I was simply asking for a letter stating that they made an error so I can get the issue resolved with the credit bureaus. The Loss Mitigation representative laughed at me and said that they would never admit that they made a mistake and I was wasting my time. He said that they did this to thousands of customers and they explain it the same to everyone. He then disconnected the call. On XX/XX/XXXX my mortgage servicer Lakeview approved a forbearance. Due to coronavirus restrictions my wife was no longer able to work. My account was past due for XXXX at the time we entered forbearance. Lakeview sent several correspondence saying that a forbearance would not negatively impact our credit. I understood that XXXX would be considered past due until I paid that balance. I made payments throughout my forbearance to avoid any modification at the end. During the forbearance they marked 5 out of 6 months as 30 days past due : XXXX, XXXX, XXXX, XXXX, and XXXX. They also marked XXXX as past due despite bringing our account current in XXXX and ending the forbearance. Below is a timeline of my forbearance : XX/XX/2020 : Forbearance approved XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX, XXXX, and XXXX XX/XX/2020 : I requested to end my forbearance I'm in escrow on another property and they refuse to supply a letter admitting they made a credit reporting error. It doesn't look like I was in forbearance, it looks like a missed a bunch of payments. This just seems so predatory and wrong | ||||||
| 11/20/2020 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I closed on a mortgage refinance with Lakeview Loan Servicing. They had sent ( I believe ) a third party to my house to sign the closing documents. I believe this was a third party because she could not answer any questions I had for her. She did inform someone would be in touch with me regarding my payment information. This was a refinance of a loan that I already had with them. They had my loan after my local bank sold it to them. On multiple occasions, I have checked my online account with them. I could only see my old loan information. I contacted them on XX/XX/XXXX but was not given any answers to the questions I had regarding my account. I was told that I have a new loan number, but was not given the loan number. I was told that my payment is due at the XX/XX/XXXX of the month, but have not been given an amount to pay and no way to pay it. I asked about getting my online account fixed but they told me that I needed to add my new account number to my account. As well as not knowing the new account number, it seems as if my account is locked. I am unable to access my account online, I can only log in and see the old information, but am unable to open any of the menu options. I am also unable to make a new account, as it recognizes my information when I try. I explained this to Lakeview Loan Servicing on multiple occasions. I was told on XX/XX/XXXX that a representative would reach out to me. I have not received any information from them since that email on XX/XX/XXXX. I am trying to pay my mortgage. I want to pay my mortgage, but I am afraid they will not contact me and will only send me a notice when they can charge me late fees and hurt my credit. | ||||||
| 05/16/2023 | Yes |
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| Lakeview Loan Servicing is our mortgage processing firm. Our account number is ending in XXXX. We have been dutifully paying our mortgage for years to this firm. We use their XXXX XXXX ACH payment system. In XXXX of this year, 2023, they made changes to their XXXX XXXX system. When we tried to pay our mortgage in XXXX apparently their system could not pull the ACH from our account when requested. We received no notification that their system could not access our checking account to make the payment. Instead we started receiving daily, automated collection phone calls. We, not Lakeview, finally discovered that their XXXX XXXX system was not working properly and mailed our XXXX check into Lakeview. They told us due to the ACH system payment not working that we could not use it for XXXX months. So here in XXXX we again dutifully mailed in our mortgage payment... .and the automated collection phone calls started again. I called Lakeview back today and they said, in direct contradiction to what they told me in XXXX, that our account was again in suspense and that although they had received our XXXX payment that it had been applied to a suspense account and not our outstanding balance account (? ) therefore we were again inexplicably sent to their collections department and the automated phone calls started again. I am in financial services and understand how poor Lakeviews systems are and how poorly trained their representative are ... .I can only imagine how many people who do not understand Lakeview 's ineptitude and quick 'collections trigger ' must feel about their harassing phone calls... .even when they themselves caused the issue. Thanks for allowing me to submit. | ||||||
| 01/11/2020 | Yes |
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| Mortgage loan LTV reached 80 % in XX/XX/XXXX. My husband and I requested a PMI cancellation, in writing, to the company. They then sent a letter to use stating the need for a BPO to determine the current home value. At this time, the representative stated that when PMI is cancelled, since it would take a few weeks to review, we would receive a reimbursement for any unnecessary PMI we have paid. Instead of having the BPO completed, in XXXX, we made an additional payment, bringing the LTV below 78 %, at which point, the website states that PMI will automatically be terminated. PMI continued to be applied to our payment. On XX/XX/XXXX, after I had not heard back from the company twice after submitting e-mails through their website, I spoke to a representative at the company by phone regarding PMI cancellation. They stated that a work order had to be submitted in order for PMI to be cancelled and we would hear back by XX/XX/XXXX at the latest, but likely sooner. After not hearing from anything or receiving documentation, I called the company on XX/XX/XXXX, who stated that they sent the letter on XX/XX/XXXX ( we had not yet received it ) stating the need for a BPO but that the work order was never actually investigated. After I reminded the representative that the BPO was not required once the LTV was below 78 % ( per the Homeowners Protection Act of XXXX and their website that states automatic termination ), the representative supposedly spoke to a supervisor. They then said that a new letter would be sent out with the next 7 days confirming cancellation of PMI. As of today, XX/XX/XXXX, PMI is still applied to our account and we have not received a letter regarding PMI. | ||||||
| 10/05/2021 | Yes |
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| I was in forbearance, on XX/XX/21 HUD/FHA introduced the Advanced Loan Modification. I contacted my loan originator on XX/XX/21 to discuss options since I was eligible from HUD/FHA disclosure on their website of current standings dates in forbearance. The individual that I spoke to did know have any information on the new XXXX and said he would flag my account for review for when my forbearance was expiring. I never received any information from my loan company. I contacted them several times a week asking for an update just to get the same we don't know about it yet. Finally i reached someone in XXXX that said my account was in review that papers would be out and i would need a notary available to sign the paper work and get it back. Paper work shows up, it is a standard loan modification. I contacted the servicer asked what do i do with this papers. They said I had another set in underwriting to disregard this current set. Something just didn't feel right with the phone call so I called and spoke to a supervisor two days prior to these documents from being no good and he told me to get them signed & notarized and back to them before the XXXX mind you this is the XXXX. He said I had another set of papers for the XXXX that he was going to escalate. Contacted company again XXXX spoke with XXXX a manager, she said that I had no papers that were being reviewed for the XXXX. That what I sent in is essentially done. If i was denied the XXXX i would like to know why. If i was not considered the XXXX even though I made every check mark per HUD/FHA guidelines , I want a written explanation. I have all phone calls from XXXX to XXXX recorded with this loan servicing company. | ||||||
| 09/07/2016 | Yes |
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Web | Servicemember |
| On XXXX I was sent a letter from Lakeview Loan Servicing, they offered me a 30 year fixed loan at 3.25 %. I called and upfront the loan officer said that they did n't offer a loan like that for a loan of my amount, I stated to him that they came to me with this offer with the loan amount on the offer. After a couple of days of back and forth with him they decided to keep their word and do our VA XXXX at the previously stated 3.25 %. They also stated that there was no loan origination fee 's, credit check, no appraisal, no income verification, and once we signed our loan documents acceptin the offer we would close on the loan mid XXXX. Yesterday I was received a letter stating that my loan was denied due to credit unworthiness, now if there is no credit check how am I being denied for credit unworthiness. I was upfront with the loan officer and stated I was injured at work and was in the process of preparing for XXXX. He assured me that the loan was going to close in XXXX. Now I called him today XXXX XXXX to find out what the issue was he said hat the credit underwriter denied the loan due to a late payment on my current loan in XXXX, I stated that the VA XXXX guide states there is no credit underwriting for this loan so how is it that they are the ones denying my loan. That 's when the conversation switched from his company 's unfair practices to a personal attack on myself. He said that I am still have an issue questions my integrity, as a veteran that is a huge issue for someone to call my integrity into question for simply asking for answers as to why they are differing the procedure from what he himself stated and what the VA website states as to be the normal. | ||||||
| 07/26/2021 | Yes |
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| To whom may this concern : I have been with Lakeview Loan Servicing, LCC since I purchase my house on XX/XX/XXXX. Since that time, I have recruiting payments online through their website services. On XX/XX/XXXX, they made 3 times charges to my mortgage for {$2800.00} ( these charges were reflected on my bank statements on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. I contacted Lakeview Loan Servicing, LCC several times back and forth with the bank and I tough I finally got everything clear. Out of these 3 charges to my account, Lakeview Servicing, LCC got its XXXX mortgage payment and they sent me a check for the amount of {$2800.00}, but the bank and I noticed there was one more payment missing in their end. From XXXX to XXXX, I had a dispute with them for my {$2800.00} that was missing on Lakeview Servicing, LCC and it seems they will never found it. To make things worse, they sent me documents for Pre-Fore closure. My bank finally retrieved there {$2800.00} from XX/XX/XXXX and they gave me temporary credit. My complain is : 1st. Lakeview fail to find out and do an audit to their employees about that missing payment in their end. 2nd. Every time I called them, they were trying to collect more mortgage payments because according to them I was delinquent in my payments, even do they knew my case, and they knew the bank would not allow me to make more payments. 3rd. They sent me PRE-FORECLOSURE documents. On XX/XX/XXXX, I finally was able to clear my missing check with the bank, the bank retrieved the payment for XX/XX/XXXX from Lakeview Loan Servicing, LCC. Finally I pay my mortgage for XXXX, XXXX and XXXX. But I believe its more to come from this mortgage company. | ||||||
| 02/13/2020 | Yes |
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Web | Servicemember |
| I purchased a home in XXXX with a VA loan through a company known as XXXX. The loan servicing company was Lakeview Loan Servicing. About 9 months into the loan ( XX/XX/XXXX ) we were contacted by Lakeview about a rate reduction refinance. As part of this offer they gave ; 2 months deferred payment, lower interest rate, reduced payment by {$700.00} per month, The payment to XXXX was approx {$2800.00}, this was reduced to {$2100.00}. It seemed like a legit offer. About 4 months after we agreed ( XX/XX/XXXX ) I received a notice from the county tax office that property taxes were due. This was part of our original loan agreement with XXXX. Lakeview was notified and the taxes were taken care of in XXXX. I have now received notice from Lakeview that the escrow is short {$5500.00}. They are effectively now trying to recover XXXX taxes and XXXX taxes. These funds should have been paid through the original loan agreement. Now they are trying to increase my monthly payment {$770.00} per month. We can not afford to take this additional cost. I believe they made a predatory loan offer knowing that they could not offer a better deal on the XXXX loan so they intentionally mislead the offer to make it sound better. I was unemployed for 7 months in XXXX and just now returned to work at a much less of a salary. We have been able to pay the agreed upon loan at {$2100.00} but can not afford to that much of an increase. The amount actually given to principle is only {$500.00} per month, it is ridiculous that they collect that much and can not pay the taxes and insurance and still make a substantial profit over the course of the loan. I need help to make this right. | ||||||
| 05/04/2022 | Yes |
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| Our home mortgage loan is with Lakeview Loan Servicing , LLC. A security incident involving unauthorized access to their file servers occurred in early XXXX of XXXX. As a result, a list of individuals ', including myself and my husband 's, information ( including our social security numbers ) were accessed. Due to the breech in security, Lakeview Loan Servcicing has offered a year 's membership to XXXX, a third party monitoring company, to provide security protection and monitoring services to us. I went onto XXXX 's website and began to fill out the information required for membership. One of the first questions asked for our social security numbers. I felt extremely uncomfortable giving this information to a company that I know nothing about and is not even listed among the top ten security protection and monitoring companies. We believe XXXX should pay for a security fraud protection company of OUR CHOOSING. When I tried to contact Lakeview Loan Servicing, at ( XXXX ) XXXX, I left a message for the Senior Vice President and Chief Compliance Officer, noted at the bottom of the correspondence, notifying us of the breach in security. I never received a call back. Today, I tried calling again. The gentleman who answered the phone had such a heavy accent that what he said was mostly indecipherable. In the end, I was refused the request to speak with XXXX XXXX, XXXX, Chief Compliance Officer and told to call " another day. '' So, it appears that we are left with our personal, pertinent information, floating around out there ; We have no recourse and can not reach the loan servicing company for comment, help or questions. Can you please help me! | ||||||
| 03/17/2022 | Yes |
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| In XXXX I did a forbearance with Lakeview LoanCare LLC and I was harassed my phone calls, emails, certified mail and regular mail from this company stating I would lose my home if I did not make a payment. I have proof that I made mortgage payments the entire time that I was on forebearance even though by law I was not required to do so. Even at the end of my forebearance my mortgage payment was never behind nor missed. I have never been late on my mortgage payment. I was harassed by Lakeview Loancare to the point where I was afraid, stressed and depressed the entire time I was under the forebearance all due to the fact that this company emailed, called, sent letters stating that I would lose my home if I did not make mortgage payments. I would call the company ask them to stop harassing emails, calls and mailers when I did this I started receiving certified mail from the mortgage company threatening to take my home if I did not make payments to them. I would call have them to check my account to make sure that they were receiving and applying my many many payments correctly because there was no reason for be to harassed for payments while under forebearance and everyone I spoke with say where I was making payments and saw that I was under forebearance but no one could explain why I was being harassed for payments by the mortgage company. I would speak with supervisors have them to check my account and them to spend me payment history statements and nothing absolutely nothing and no reason reflected under the forebearance why I was being harassed by this company. The harassment finally stopped after I threaten to sue the company for harassing me. | ||||||
| 08/04/2020 | Yes |
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| We refinanced back on XX/XX/XXXX and have had nothing but problems with our new servicer. Lakeview Loan Servicing and the company that " writes their letters ( XXXX ). '' At the beginning of the year we received a letter stating that we didn't have adequate coverage with our XXXX policy for our Homeowners Insurance when indeed, we did. This took several hours on the phone trying to clear this issue. ( I guess they do not have someone that is able to read and interpret the information in the said policy. ) Then on XX/XX/XXXX, we received a new letter saying we do not have hazard insurance when our property requires it ... but they would gladly purchase it for us for a " significantly more expensive '' rate. Fast forward to our mail today XX/XX/XXXX ... a second letter regarding hazard insurance. Still don't have insurance ( according to them XXXX. I have confirmation that a XXXX representative spoke with these people on XX/XX/XXXX and faxed the appropriate information to their fax number. I can only assume that this fax machine is not being tended to during these times of COVID-19. Spent 27 mins on the phone with XXXX from XXXX. The most recent incident was yesterday, XX/XX/XXXX. We received an Annual Escrow Account Disclosure Statement. This statements says that we owe {$2300.00} for a shortage with our escrow account. The number is inaccurate, as my husband and myself have someone who is a Senior Loan Advisor that looked over our HUD statement and noticed a clerical error. I would like this to be rectified immediately on behalf of XXXX. The amount that is added to each month statement would clear up any deficit in escrow funds. Please advise. | ||||||
| 05/25/2021 | Yes |
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| My mortgage company did not pay my insurance through my escrow account, while caused a cancellation. I am not required to purchase new insurance to remove the lender placed policy. No insurance company will insure me due to the lapse in coverage, and the one I did find will insure me a three times the rate I originally had. My mortgage company received four letters requesting payment from my insurance company. A renewal letter was sent on XX/XX/XXXX, a reminder was sent on XX/XX/XXXX, a pre-cancellation notice was sent on XX/XX/XXXX and the policy was not paid so an official cancellation notice was mailed. I never received any letters from my mortgage company to let me know they had not issued payment for insurance. The agents have all confirmed they can not locate any notification that was ever sent to me. I had no idea I was uninsured until XX/XX/XXXX when they purchased lender placed insurance on my home. From XX/XX/XXXX through XX/XX/XXXX I have not had insurance on my property and the mortgage company has never reached out or notified me of this ongoing issue. Now they are unwilling to provide me with my investor information as I would like to speak to them on the " servicing '' they are providing my loan. The agent let me know it is not their responsibility to " monitor the account all day and night to make sure you are handling your mortgage needs. '' This has now caused me months of calls, research, XXXX, and now a policy of minimum coverage at three times the rate. This will cause my mortgage payment to increase, and I am already having a hard time with making the payments. They tell me this is not their problem. Please help! | ||||||
| 05/26/2023 | Yes |
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| My FHA mortgage qualifies for a loan assumption. I applied for a loan assumption through my lender as required per my divorce terms. The divorce terms state, I have six months ( from XX/XX/XXXX ) to assume the loan in my name only, refinance, or sell the home. I provided proof that I have made my mortgage payments via my own funds for the last year. The purpose of the assumption is to remove the co-borrower from the loan, who has never made a payment to the mortgage. After submitting all requested documents including : six months of bank statements ( proof of income source ), final divorce decree and supporting documents, and co-borrower 's consent and signatures, the underwriter denied the assumption due to the following : *XXXX XXXX and XX/XX/XXXX payments were not made in the month it was due but neither payment was more than 30 days late ( NOT reported to Credit Reporting Agency XXXX and the late fees were paid by me. *a late payment in XX/XX/XXXX -- I disputed the " late payment '' ( after three attempts to make my mortgage payment through the Lender 's mobile APP, Website, and customer service representative ) via the CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX then determined that the late payment was not my fault or theirs. The payment reporting history was amended and updated as " information not available ''. My current mortgage APR is at 3.5 % which is significantly lower than the current market rate. Lakeview would benefit significantly if the loan were refinanced or sold at the current XXXX market rate. If I am forced to sell my home and purchase a new home, today 's housing market prices would destroy me financially. | ||||||
| 03/18/2021 | Yes |
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Web | Older American |
| As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. The continuation of reporting such accurate payment information produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. In XXXX of XXXX I lost my job and immediately went to my bank and requested a forbearance and got one beginning on XXXX of XXXX. I made the monthly payments of XXXX as agreed upon in the forbearance plan. In XXXX of XXXX I got a job and immediately asked for a loan modification. I still was making the XXXX for the foreberance payments and I received the trial modification paperwork in XXXX of XXXX. I was to make XXXX, XXXX and XXXX payments of XXXX + in order for the loan to totally be modified. I made each of these payments on time and in fact early for XXXX, XXXX and XXXX. The bank has reported that I was late for XXXX XXXX and XXXX on my credit report. According to the statement above with the CARES act this should not of happened. I need this corrected as I am having trouble with getting any credit with the bank reporting I was 90 days late. You can not get through to anyone to fix the problem and that is why I am filing this complaint. | ||||||
| 04/16/2018 | Yes |
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Web | Servicemember |
| Our mortgage was transferred from our original signatory agency, XXXX XXXX XXXX, XXXX, South Carolina to Lakeview Lone servicing in or around XX/XX/XXXX. I don't have an exact date because we were never informed, sent any information and most importantly no bills were delivered either via traditional mail or electronic means. During this time I was XXXX on a detachment with the XXXX XXXX. My wife was at home tending to the bills. After attempting numerous calls, none of which reached an actual person, she was unable to contact the company for well through XX/XX/XXXX. During this time, we also did not receive any paper bills, the first one finally arriving in XX/XX/XXXX. When I returned, we were finally able to get a hold of person ( after multiple days of trying ), and pay our entire overdue balance and the first contact with the company. Despite this, the company still reported to the credit bureau that we missed two mortgage payments. It should also be noted that we were never notified via phone call, text, e-mail or letter that we were in default during this period. They simply reported the missed payments without any notification to us what-so-ever. I have never been in default of a payment with any credit agency before or since this interaction with this company. Because of their actions, my credit was negatively impacted enormously, something I have maintained for years. I humbly request the assistance of the CFPB to have this blemish removed from my credit report. As a military member, I have to move quite often and this will very negatively affect my interest rates in the future. Thank you very much in advance. -XXXX | ||||||
| 09/08/2022 | Yes |
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| In XX/XX/XXXX our mortgage payments increased by {$28.00} per month due to start in XXXX. We pay our mortgage on the 3rd Wednesday of every month prior to the due month ( ie payment XX/XX/XXXX is for XXXX mortgage ). Our auto pay bill payment did not adjust until the XXXX payment for XXXX mortgage, causing our XXXX payment to be short the {$28.00}. On the XXXX payment it shows the new payment amount due in XXXX. We were not aware of the underpayment and received no notification from the mortgage company ( XXXX sub serviced by XXXX XXXX ). It wasnt until late XXXX that I noticed that there was additional charges on our statements and my husband called to ask why. He was told we missed a payment and were paying in the rears. I called them again XX/XX/XXXX. I was then told that in XXXX the payment that was shorted {$28.00} was put into principal and the payment meant for XXXX was used instead causing us a late charge of around {$50.00} each month since. Now it shows our payment is late every month and in order to bring everything back forward we now have to pay an extra mortgage payment of {$1300.00} ( the adjusted mortgage ) and total extra charges added of {$200.00}. The most the mortgage has offered us is that they would remove up to 2 late payments of {$50.00}. This was all for being short one time of {$28.00} and not being notified so that we could pay that. I was on the phone with them for XXXX hour XXXX minutes, 5 people, 2 supervisors, and the 2nd supervisor hung up on me after telling me that I could not wait for anyone else to help and that someone would call me within XXXX hours. I have not received another call as of today. | ||||||
| 08/17/2021 | Yes |
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Web | Older American, Servicemember |
| Eleven months ago I received a XXXX XXXX package inviting me to refinance using a streamlined mortgage. Last week after what was hardly a streamlined process I withdrew my application. This process was the most cumbersome mortgage application it has ever been my misfortune to have been a participant. XXXX XXXX XXXX has made mistakes at every level of this process, including, but not limited to non payment of insurance, for which I was nearly placed in an assigned risk pool. Non payment of taxes for which I nearly had a lien placed on my house. I was insulted and discriminated against. I was asked for cancelled checks which were impossible to produce since I pay on line. I was accused of fabricating the documents. Even though I have had a sterling payment record since it became my responsibility I certainly understand their doubts regarding my ability to pay. They did not ask for income so what was the problem. This is only the tip of the iceberg. I can not believe this of a loan origination company. I also found that my application was the oldest. The only one. Why? The last thing they asked for I needed to produce in ten days. It would have taken more than a month. The irony is that I was taking no equity out of the house. With a lower rate and a lower payment it would be easier for me to continue with on time payments. Thereby making me a better risk. I thought you should know how XXXX XXXX XXXX does business. Up to now, we have had a good relationship. Since XXXX XXXX is out of the picture, I have every reason to believe that It it will continue. Sincerely, XXXX XXXX XXXX Loan : XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX | ||||||
| 09/28/2019 | Yes |
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| I received a letter from the mortgage company stating that I could cancel my PMI insurance once my loan reached 80 % loan to value, or they would cancel it for me without me having to submit any paperwork or appraisals once the loan to value reached 78 %. i called and spoke with multiple people who confirmed this. They did not cancel my PMI when they were supposed to, and i called them a few months after it should have been cancelled and asked them to cancel it and provide me a refund for the months that i paid it and shouldnt have. they promptly cancelled it as of XXXX, but i still have not received my refund. i have called them multiple times and i am told they would have someone review it but they never do. in XXXX, they told me to email payment inquiry, and i did that and received an automated response that they would respond to me in 2 days and i never did so i emailed it again and still have not heard back as of XX/XX/XXXX. i called again on XX/XX/XXXX and spoke with XXXX, a supervisor and he told me that they would not have cancelled the PMI on their own because my loan was not 5 years old. nowhere on the letter or any of my mortgage documents does it say this so i told him that is unfair business practices and that i would still like a refund. he said to email them on their website and direct it to the PMI department and i did. it has been over 5 business days and i have not received a response from them even though the automatic reply says they will respond in 5. i called again today to check the status and i was told that nobody even works in that department. so who was going to issue my refund or respond to my emails? | ||||||
| 09/29/2020 | Yes |
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| On XX/XX/2020 at XXXX my husband and I signed to close our refinancing documents with LAKEVIEW/XXXX XXXX XXXX XXXX through TITLE 365, a notary public named XXXX XXXX came to our home in XXXX, CA. We were told beforehand by XXXX XXXX, the loan processor who took over from XXXX XXXX who was the mortgage loan originator to prepare a cashiers check in the amount of {$2700.00}, which includes the closing cost and the 1st payment for the XXXX XXXX COUNTY supplemental property tax of {$2500.00} which was due on XX/XX/2020. According to Ms. XXXX our loan will not be approved if this was not paid. By the way, our main purpose for this refinancing was to get our interest down from 4.75 % to 3.125 %. We saved enough that we could have paid for the 1st Installment of the Supplemental Property Tax without getting a loan. Now, today is XX/XX/2020, and this bill the 1st Installment is still delinquent since XX/XX/2020. And now the 2nd Installment is due tomorrow, which we are ready to pay but couldnt because these companies did not do what theyre suppose to do! I have called and emailed numerous times to numerous people in both the lender and the Title company to no avail. I have an email from a Ms. XXXX XXXX, closing manager at XXXX who told me that the Supplemental Property tax is in escrow. We dont understand all these legal mumbo jumbo, what we know that a tax bill remains unpaid which we gave them our own money to make payment for us, as they promised, but did not follow through. I gave them enough time to do resolve this matter but it seems that they dont want to do anything, they just went ahead and ran off with our hard earned money. | ||||||
| 09/02/2022 | Yes |
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| This, for the record, is my XXXX time trying to enter this information, some technical difficulty I guess... Again, I am a working XXXX man with a FHA backed home loan. This is my first home, my mother, and XXXX sister live with me. Coming off of XXXX forbearance, I asked for, and received a loan modification agreement from Lakeview loan. Beginning XXXX. From the XXXX payment ( I have all my receipts ) I've received resistance, but sent my payment online, by bank, anyway I could, only to receive letters from XXXX, as if I was making some kind of " m partiapayments ' in XXXX they sent my mortgage to XXXX, who accepted payment until they told me it takes time to get all my records. But the don't see any loan modification agreement, and I asked them to please let me make my payment until they straightened things out, told me they would not accept anything until they validate this. I took pics of my agreement to a supervisor, and next XXXX I know they sent paperwork to begin foreclosure. Yesterday I received a letter that from XX/XX/21 to XX/XX/21 someone hacked our information and my personal information has been compromised! I can't believe what's happening! How can this be right?! They have a copy of my 'loan modification agreement in the foreclosure papers! Now that they've stop accepting payments! I'm so shocked, that no one will help us, unless it's these guys who wanted us to pay them some money and hellp me, Scammers! Please, please help me! These servicers and Lakeview loanXXXX are making me look like a liar and a squatter ... And all I want is to get things in order and love my home and I love my neighbors! | ||||||
| 01/10/2022 | Yes |
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| Lakeview Loancare assumed my mortgage from XXXX as of XX/XX/2021. Multiple issues occurred with XXXX that I disputed for the last several months. I was told I had an escrow shortage of more than {$2000.00} but after researching multiple errors on XXXX 's part I was reimbursed and should have offset the whole shortage. No more than did I think the error was taken care of and that I could ask Lakeview to do an out of term escrow analysis to realign my payment, when I discovered that Lakeview turned around and double paid a tax bill that was already paid and a penalty bill that should not have been paid on XXXX. ( the penalty was an issue I fought with XXXX about and they agreed it was their fault and accepted responsibility and reimbursed me the penalty fee ). Here are the transactions : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX called Lakeview several times and have been told that they realize their error but that I will have to wait for the return of the checks. The tax office has not received this double payment nor has the collection agency. No one seems to know where these payments went to and Lakeview won't give me an address. I have been waiting for another 5 weeks to get this fixed. After 3 months of fighting with the prior mortgage company. I feel as if this is negligence on the behalf of the lender and if I had not taken hours to figure out all of these error and 20+ phone calls, I am not sure I ever would have seen any of the money returned. Please can you help me get the {$210.00} & {$690.00} reimbursed to me? I am so frustrated and they are completely unhelpful! XXXX XXXX | ||||||
| 12/11/2020 | Yes |
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Web | Older American |
| I want to pay off my " closed-end '' loan secured by my dwelling. Since XXXX/XXXX/2020, I have made THREE requests to my mortgage loan Servicer for an accurate statement of the total amount that would be required to satisfy my obligation in full. Two of the requests were made by secure, internal emails through the online back office provided by the Servicer The third was completed by phone, speaking with a " live '' customer service representative. Each request included a specified date, according the rules and requirements of the Servicer, by which the funds for the Payoff must be received by the Servicer. As of today, Friday, XXXX/XXXX/2020, there has been no reply by the Servicer, so I contacted their Home Office, again, at approximately XXXX XXXX CT. Of course, I encountered block and tackle resistance by way of an extensive, automated " choose an option '' menu. Eventually, I was advised to visit my online back office for resolution. This is XXXX run-around, as there is NO process in the online back office to receive any Payoff information. One can only submit a request FOR information. Before ending the call, I was prompted to leave a call back number, which I did, because the " wait time '' today is very long. At this moment, it is XXXX XXXX CT and there has been no call back. Am I being fair-minded, or unreasonable? I don't know yet. Is there is CFPB rule concerning the amount of time a Financial Institution is allowed before responding to a request for a Payoff? Please provide advice on the actions I should take next for resolution of this issue. Thank you for your time and attention. | ||||||
| 08/27/2018 | Yes |
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| Borrower experiencing hardship since XX/XX/2017 but found that property was not marketable at a price that would satisfy loan in full so started the short sale process. Property was under contract with 'conventional loan ' purchaser. Due to the lengthy process buyer asked to be released from the contract. Parties were told that HUD denied the offer because of the 3 % closing help but we were told later that file was denied because short sale application package was not complete. Meanwhile, Seller relocated thinking they were closing because nobody could get the story straight and XXXX XXXX vendor took possession of the property by cutting AGENT lock-box off and winterizing the property creating a whole NEW set of issues as property went back on the market but not able to perform home inspection. Went under contract again but XXXX XXXX ( sub-servicer of LAKEVIEW LOAN SERVICING ) closed file on a CASH OFFER due to not having proof of funds when they were contacted 2 weeks prior to submitting and were told sale was contingent upon sale of existing home within in weeks of offer. Meanwhile, Buyer was able to prove they had had funds but made them start the process ALL OVER FOR THE 3rd time - RIDICULOUS! They continue to lose documents provided so proof of funds have been given to them multiple times and now they say they expired. Have never once spoken to point of contract nor have they ever returned our calls. Communication HORRIBLE. This buyer is now asking to be released if no approval by Thursday. NO MORE EXTENSIONS TO CONTRACT. LAKEVIEW has no employees, recorder instructs you to pick # for sub-servicer. (??? ) | ||||||
| 04/03/2019 | Yes |
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| Company : XXXX Lakeview Please help us! You helped us in the past with this company. They used our Escrow money from our mortgage to pay taxes for a different lot #, Which lead us to receive several Delinquent Tax notices and notice our " DELINQUENT '' taxes would be auction off. After multiple attempts that I called personally to get this fixed. You reached out to them in the past which lead to them finally paying the 3 Quarters of taxes they did not pay. After we thought this was finally resolved. Our next Statements from Lakeview showed our escrow in a negative balance. So you call the mortgage company again ; they told us not to worry about it everything is fine and our account is update date. Now with the new year we get notified our Escrow account to go into the negative by {$3000.00}. Stating we have no escrow to pay our Taxes, etc.So they made our Monthly payments higher stating we have no money in our escrow account!! We pay on time every month. Accord to what I see here never fully fixed the first issue as they stated they did. Lakeview informed us it would come out of their own money. Since, it was them who used our Escrow money to pay another lot #. We noticed the money they so call paid our Town taxes with to solve this issue came out of our escrow again! Which lead to the negative {$3000.00} for us this new year. We never saw the adjust for the mistake they made never put back to our account. Each time we called they just told us " Yes, I see on the statement a negative balance. But in our records everything is okay and up to date. We just need to show that on the statements for records '' | ||||||
| 03/11/2019 | Yes |
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| Lakeview Loan Servicing LLC ( aka XXXX ) FORCE-PLACED flood insurance on my home on XX/XX/XXXX, backdated the policy period to XX/XX/XXXX to XX/XX/XXXX ( which is probably illegal ) and charged {$2900.00} when market rates for a flood insurance policy range {$500.00} to {$600.00} per year on such a home. There were no floods during this time and unfortunately we were incorrectly advised by our broker the home was not in a FEMA flood zone and did not require flood insurance. We did not receive notice from the lender of the flood insurance lapse until XX/XX/XXXX. We then independently contacted FEMA to verify that the home was in an AE flood zone. We then immediately secured a flood insurance policy on XX/XX/XXXX, but were unable to secure the policy for the lapse period. On XX/XX/XXXX, Lakeview somehow force-placed flood insurance retroactively for the lapse period XX/XX/XXXX to XX/XX/XXXX with XXXX XXXX XXXX XXXX at almost 5 times the market rate for a flood insurance policy. Lakeview charged me XXXX XXXXas an escrow mortgage shortage, basically wiping out hard earned equivalent equity in my home. I now have to make up this charge by paying increased mortgage and interest payments. It appears, Lakeview was subject to class action suits for this same practice in the past and yet they continue to do it. I wouldn't be surprised if Lakeview and their broker pocket hefty fees to force place such overpriced insurance and assume they can just continue to get away with this. This is blatant taking advantage of the consumer by Lakeview and it's insurance broker. If it happened to me, I am sure it is happening to others. | ||||||
| 12/07/2023 | Yes |
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| During the COVID pandemic, my wife and I requested a forbearance from the bank managing our loan due to unforeseen circumstances we encountered. Sometime in early 2021 was when this took place. In late 2021 around XXXX we called in to remove the forbearance a few months early because we were in a place to continue paying. during the same call we attempted to pay for that month. The call center rep let us know that since we were already in the month of XXXX the payment we were making would go to XXXX, We were told we would not have to pay until XXXX. My wife and I were ok with this and followed through with the process. When XXXX came around we were unable to pay online as usual due to a delinquency on the account. When we called in they said this was because the payment we made was routed to paying off the forbearance instead of our normal mortgage payment which put us a month behind and XXXX was never paid for. After speaking with them they assured us that they would get it taken care of and move the money to the correct places and we were informed this would be noted on the account. so when XXXX came around we got the same call and nothing had been done. This continued for 2 months with them informing us that it would be taken care of. During that process we continue to make our normal payment. Each time the payment is made after the first of the month we are being charged a late fee and our credit scores take massive hits because the bank reports we are over 30 days overdue. The last time I spoke with them I was informed there is nothing they can do now and we just need to pay the late fees and XXXX payment | ||||||
| 01/14/2024 | Yes |
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| Not only did I have payment application issues that Lakeview refuses to address, but they filed for a judgment of foreclosure, when they knew the house was under contract. They filed the judgment the day before closing in the sale, as well as simultaneously sending my account to a collection agency, which caused me to incur an additional {$7000.00} in fees I had to pay out of my proceeds from the sale that they knew was taking place the next day, in order for the closing to take place as planned. They have unnecessarily messed up my credit, including filing a false judgment of foreclosure so that this public record is out there for anyone to see. They have harmed me financially, since I have been denied rental housing due to this filing. Because of this, I am paying higher rent at a place I could find nearby, even though my income qualified me for the original lower rent complex. I was only declined because of this rushed judgment filing that was done strictly to harm and embarrass me. I have called numerous times since XXXX to request information and to ask that they remove the judgment filing, since no judgment was obtained, but they refuse to even talk with me. The closing agent and I were both in regular contact with Lakeview regarding the closing date for sale of the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in addition to Lakeview NEVER even provided any written notification of any pending collection action or pending judgment. Please help me in getting this corrected. I had file for XXXX XXXX in XXXX, and I paid 100 % of my obligations. After all of my hard work, this was a slap in the face. | ||||||
| 08/05/2022 | Yes |
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Web | Servicemember |
| This complaint is with Lakeview Loan, subserviced by XXXX. On XXXX~closed on the sale of the property. We, the sellers, had a mortgage through aforementioned company. Escrow overage at closing was {$4100.00}. On XXXXcalled the XXXX toll free service line because the escrow overage check in the amount of {$4100.00} from closing had not yet been received. Was told that a check was issued XX/XX/22, but was mailed to the sold property address, not the address on file for the account ( our current address, as the sold property was a rental property ). Were also told, despite the error in sending the check to the incorrect address, that we had to wait 30 days for a check to be " reissued. '' We were informed that if it didn't " show up '' by then, we could call back XX/XX/22 and request a reissue. On XXXX the XXXX toll free service line to request a reissue since the check never showed up at the sold property nor had it been forwarded to the proper address. XXXX, the operator who took the call, told us that the check had in fact never been issued on XX/XX/22 but now it " should be '' mailed out within XXXX days. This was contrary to the information I was given on my previous call on the XXXX. Upon researching, I see that mortgage companies are required by law to refund escrow overages at closing within 20 days, as stated here on your website, per cfpb 1024.17 ( b ) ( 1 ). I feel as though I have been patient and am taking steps needed to ensure a swift response, I do not feel as though waiting 10-14 more days is a satisfactory resolution when the mortgage company is clearly in violation of federal law. | ||||||
| 04/30/2019 | No |
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Web | Servicemember |
| On XX/XX/XXXX I received a letter from the town of XXXX NH XXXX stating my bi-annual taxes for XX/XX/XXXX have not been paid. I contacted LakeView ( mortgage company ) and sent via e-mail the Notice of Impending Tax Lien and the XX/XX/XXXX Tax bill. I sent several emails with no response. On XX/XX/XXXX I checked with the town and still no payment. I asked if I should pay the bill or wait, the town said it happens often and normally things are taken care of quickly and recommended i wait. I called LakeView on XX/XX/XXXX and was told a payment went out on the XX/XX/XXXX. I checked again with the town on the XX/XX/XXXX and still no payment. I received an e-mail on the XX/XX/XXXXfrom XXXX XXXX stating that a disbursement was made on the XX/XX/XXXX. I was told to not to pay the bill by the town on the XX/XX/XXXXsince a check is in route. On the XX/XX/XXXX the check failed to appear and a lien has been placed on my house and my credit has been affected. I work for the XXXX and am required to keep fiances in good standing due to security clearances. I have contacted LakeView Mortgage several times with little help and no follow up on their end. As of XX/XX/XXXX the bill is still outstanding. Per a conversation with a lawyer I was told not to make the payment on my own yet due to a double payment that may take even longer to be reimbursed. The lawyer I contacted suggested to try this process first. I have been with this mortgage company for 9+ years and always in good standing with no late payments. The Tax and insurance are paid through an escrow account that is paid monthly and is current with available funds. | ||||||
| 01/22/2021 | Yes |
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Web | Servicemember |
| I have escrow with Lakeview Loan Servicing , LLC, sub. via XXXX, that was supposed to pay my XX/XX/XXXX taxes on time. XXXX XXXX I received a statement from county tax collector XXXX XXXX that it was not paid, and would be delinquent XX/XX/XXXX. I had to call XXXX 4 times, and email on XX/XX/XXXX, XXXX, XX/XX/XXXX and today, XX/XX/XXXX. After what seemed like a babysitting process, we finally got confirmation that our county taxes were paid late XXXX XX/XX/XXXX XXXX which will affect my tax return for XXXX. I was assured during my conversation on the phone XXXX XXXX that all taxes would be taken care of. Now today XX/XX/XXXX, I receive another notice that my city tax was not taken care of. Yet again, I am having to call and find out what is the cause of this negligence and delinquency. When I finally get someone on the phone, I am put on hold for 40 minutes, then transferred to someone else who doesn't even know what is going on, refuses to let me speak to someone higher, refuses to let me speak to the tax department of the loan company, and does nothing to resolve this issue, and proceeds to tell me my " taxes won't be paid today. '' Today is Friday - postal services are open ... and therefore this can be taken care of TODAY, as it is already past the original due date XX/XX/XXXX. The unprofessionalism, lack of urgency, care, and rudeness from this company is absolutely INSANE. This negligence needs to be looked into - it's amazing that specially during a time of COVID this type of negligence is happening. I am fully prepared to file all complaints possible and get attorneys involved if this continues. | ||||||
| 12/05/2020 | Yes |
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| My mortgage company, Lakeview is overcharging me in my escrow account. In XXXX, an escrow analysis was done. I had a {$2000.00} overage. Which was mailed to me in XXXX. My taxes went down due to a reassessment and a Homestead Rebate. I mailed them the new tax bills to reflect this reduction. They paid the correct lower amounts, but never updated their system. When the analysis was done it was based on the XXXX figures. I explained they needed to update their system with the XXXX figures and do a new analysis. I spoke with the escrow department. The analysis department doesn't take or receive phone calls. A new analysis was done based on the XXXX figures, so nothing was changed. I called a second time and again nothing was updated. The third time I asked to speak for a person in management. The management women never gave me her name. After 45 minutes on the phone I was disconnected. I waited an hour for her to call back with no return call. I called for a fourth time again asked for a manager. I spoke to XXXX of XXXX XXXX. She understood what I was talking about and said it would be corrected within a week. Nothing was updated even after this call. I called a fifth time, asked for a manager. I spoke with XXXX XXXX. He told me there was nothing wrong with the figures and rudely stated I didn't understand how it worked. Since they wouldn't adjust the escrow after this fifth call I requested that I stop the escrow portion of my payments. XXXX was still rude in the conversation and refused to help. At this point my frustration got the better of me and instead of continuing to argue the point, I hung up. | ||||||
| 06/03/2019 | Yes |
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| I have had the worst experience with lakeview loan servicing. they took over our mortagage servicing in XX/XX/2019, I have always made my payment on time, however the XX/XX/XXXX payment although taken from my account and cleared XX/XX/2019 never made it to my account. I have had repeated phone conversations with them and for the first two months they claimed they did not have enough information. After doing research myself we found with assistance from my bank that the last four numbers of my account number had been transposed and it went to some other account. now I do not type in my account number when I pay my mortgage. and I do not ask anyone to draw the funds. So a third party was involved and we contacted them and they provided the proof of payment on the wrong account which I forwarded to lakeview. I thought that was problem solved. wrong to this dayXX/XX/2019 they payment has still not been credited and I have had bad reports to my credit and constant harassing automated phone calls from this company. my last contact was XX/XX/2019 and I insisted that I need to talk to a manager. His name is XXXX and he assured me that this problem was to be cleared up the very next day and that late charges would be refunded. logged in to pay my mortgage this month to the 30 day late notice again. they have been taking the current payment and crediting it to the previous month so I am always 30 days late even though they have already gotten the payment I XXXX. I do not know what else to do its like talking to the wind. I have had more than 20 phone calls and numerous emails for this problem to no avail. | ||||||
| 02/10/2021 | Yes |
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| We applied for the Forbearance six-month plan in XX/XX/2020 due to the financial hardship that we confronted. We were very thankful for this help. However, it is conducting us into deeper financial debt, and all due to the loan agency 's delay response. Development of events : -We called Lakeview Loan Servicing in XX/XX/2020 to inform them that we no longer needed this plan and were ready to start paying back our mortgage. The person that answered the call confirmed that he was going to send us the Forbearance cancelation document. And that in the mid-time, he was going to extend the program for another six months. The extension was to cover the time that the review was going to take. -We received the documentation by the end of XXXX. We sent Lakeview Loan Servicing all the required documents in XXXX. -We called in XXXX inquiring for more information. We were interviewed by one of your agents, that confirmed that all documents were in order and that we just needed to wait for a package in the mail. The package was to contain documents that needed to be Notarized by a Notary Public and send them back. -We have made several calls without any useful information, we were only informed that it was still at the underwriting department. It's been more than 3 months since we sent them all the documents. It's been 5 months since we made our first attempt to start paying. Our debt to Lakeview Loan Services is increasing as we are writing this note. One of your agents told us that we should not have gone through another Forbearance. and that he could not understand why we were advised to do this. | ||||||
| 06/28/2023 | Yes |
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| My ex-wife filed for bankruptcy in XXXX and Lakeview XXXX was the only mortgage company that locked out my access to my account and turned off my autopay feature. I was forced to make manual payments each month and they would not provide me with any of my account documents or statements. Two times during the ex-wife 's bankruptcy, payments arrived late and negatively impacted my credit report. In XXXX the bankruptcy was closed and they refuse to give me back access to my account or send me my loan documents or statements while they are increasing my rate unannounced to me due to an insurance increase many months from now. This most recent increase that was not communicated with me has triggered a scenario where they are marking my account as deliquescent on my credit file because my bank auto-draft payments did not meet the increase. My documents and statements are still being sent to the ex-wife 's attorney even after they have been provided proof that the bankruptcy and divorce are closed. Lakeview XXXX will not provide me access to my account on my loan in my name due to a formality where the ex-wife 's name is on the mortgage and they are trying to force me to restructure the loan and go to a higher interest rate in the current market. I am not required or obligated to refinance and should be provided access to the account again. I have spoken to the other mortgage companies I have loans with and their reps tell me that Lakeview XXXX is operating under some bizarre policy that their company has created and it does not comply with the mortgage industry standard in this circumstance. | ||||||
| 09/02/2020 | Yes |
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Web | Older American |
| XXXX, a subservicer for Lakeview Loan Servicing LLC, intentionally makes fraudulent claims of late payments, repeatedly, in order to wear customers down and entrap them. They do this even when they have claimed the funds prior to the cutoff date for timely payment. I believe they are hoping the customers will get too busy and be unable to provide the repeated documentation they keep demanding based on fraudulent claims. I have provided documentation to prove their continued harassment and unethical behavior. It is more than fixing this single issue. They need to be investigated for fraud. While they responded to a previous complaint stating that the loan reference number did not match and that was their excuse for not applying the funds timely, there is no excuse. There are many data points that match, the loan has been paid in exactly the same method from the same source using the same information since XX/XX/2019. All of a sudden, they claim that because they issued a new loan reference number when they acquired the loan that they couldn't tie the payment together?? It's nonsense. The documents I attached here show unequivocally that they had the funds by the XX/XX/XXXX when the cutoff for timely is the XXXX of a given month. Still, they send a statement saying they have not received and charging a fee for late, neither of which is true. Truly, they are monkeying around with any way possible to charge fees exploiting people by consistently causing them to have to document things that have not been a problem until now. They are making problems. Why?? Someone needs to find out. | ||||||
| 08/15/2019 | Yes |
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| To CFPB, My name is XXXX XXXX, I have asked lakeview mortgage to close my FHA case number because I was going with a different mortgage company that gave me a better rate and I felt more comfortable with. They have told me that it was done but it has not been completed.I am not able to close because they have a file still open with the FHA. I have contacted lakeview as well as the mortgage company that I am going with has contacted them, to ask them to close the file, as well as give them the steps to close the file number so I can close on my mortgage. They have not done so and it has been over 3 weeks now. I have spoken to XXXX XXXX the mortgage loan originator his contact number is XXXX or XXXX NMLS # XXXX / Company NMLS # XXXX. I have also contacted the Loan processor XXXX XXXX XXXX XXXX XXXX , XXXX on Behalf of Lakeview Loan servicing her number is XXXX. This has cost me over {$2000.00}. I have sent emails and phone calls still to no avail. Lake view is telling me that they have cancelled it but when my mortgage company goes to check the FHA file is still not closed that lake view has pulled with the FHA. I feel as though they are playing with my finances and my credit by not closing the file they had pulled with the FHA after numerous calls and emails and a form of retaliation because I chose a different mortgage company to do my streamline refinance. please help me to get this resolved. I hope they are not doing this to other people. this is costing me time, money and energy that is unnecessary. if you have further questions do not hesitate to call me. Thanks, XXXX XXXX XXXX | ||||||
| 07/26/2022 | Yes |
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| This is a complaint against XXXX, acting on behalf of Lakeview Loan Servicing. I made extra principal payments on my mortgage on three occasions in XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They applied part of the amount each time as regular mortgage payments, with a portion going to interest instead of all of the payments going to principal. I called them on XX/XX/XXXX to have them apply the amounts to principal only. They said they would and I got off the phone with them. A day or two later, I had an alert on my bank 's credit monitoring that my credit score had dropped. XXXX had reverted XXXX months of payments, XXXX through XXXX. They did not refund the payments, but told me they had put the amount ( {$21000.00} + {$8100.00} + {$97.00}, totaling {$29000.00} ) into a special holding account. My credit score went from XXXX to XXXX. They never told me they would do that and obviously that is not something I would authorize. They never called me to tell me, I had to call them to fix it. After over an hour on the phone with them and talking to two different representatives including their " fixer '' from a completely different department, they re-applied the payments from the holding account to my mortgage account. But they did not correct the credit reporting. I paid off the mortgage loan completely ( payoff amount {$32000.00} ), because of this inexcusable and outrageous treatment. They reported the account as current after fixing the problem, and my report shows that the loan is paid off, but they should have issued a correction instead of reporting the account as current. | ||||||
| 10/20/2019 | Yes |
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| I have been ill. I was let go in XXXX of XXXX XXXX.Lakeview Loan Servicing promises to help in hard times so I tried to take them up on their program for unemployment deferment. They wanted 2 years pay stubs. I only had partial records all of XXXX. I contacted CFPB once before. They called me and said I just need to sent the pay stubs. I sent everything I had. I may have forgotten the bank statements. I just got the letter today from Lakeview saying untimely and incomplete and denied my unemployment deferment. I am afraid to miss a payment but I can't keep paying this. I need a break and a chance to catch up, get well and get some contract work. I have been XXXX and my XXXX are acting up, XXXX XXXX and also I am XXXX XXXX XXXX. They did not approve my deferment. I have been paying the mortgage out of my Social Security Disability XXXX XXXX, unemployment insurance and savings from my 2 years of work at the XXXX. The savings is for my wife 's XXXX. It's all been a nightmare. The job was too hard 24/7 on call XXXX. Too many hours. Good money though. We ended up in a home with a {$2000.00} house payment. XXXX XXXX XXXX, the loan officer, XXXX XXXX, said it would be {$1400.00}. When we got done there was a Conventional 1st, an HFA 2nd and a zip loan even though we had the 3 percent down and a {$2000.00} payment. My wife needs both XXXX XXXX. We had a 60 day notice at our rental. We have a bully breed dog and I had to try to buy the house or go homeless. We love the home and want to keep it. But I feel Lakeview LLC, the loan servicer and XXXX XXXX XXXX could have done better. | ||||||
| 05/26/2021 | Yes |
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| I have paid my mortgage on time since I purchased my home in XX/XX/XXXX. In XXXX I switched homeowners and was given a refund check for approximately XXXX from insurance co. I then called Lakeview Loan servicing insurance dept to find out how to get the refund check to them. I submitted check as directed. I continued to pay my mortgage and in XXXX XX/XX/XXXX received a statement that I was past due with a late fee. I had paid my mortgage on time for XXXX as usual. I attempted to call and was sent to automated system with no way to speak to a live representative. I continued to XXXX numbers and after several attempts and hours on hold I got someone in the insurance dept. the person told me they had not allocated the check that I submitted properly and then we Deere disconnected. I tried tirelessly to contact them waiting on hold for several hours without success. I then received a foreclosure packet. There was the same number that you can not get a live person. I emailed explaining I had paid my mortgage and even submitted photos of it coming out of my account with no reply. I finally called on XX/XX/XXXX and pushed the button that said refinance as I knew someone would promptly answer they connected me to the proper department. At this point I had 2 late fees and it has been reported to the credit bereau. The women I spoke to said she could see something was wrong and admitted my payments were there but there was nothing she could do but open a ticket she advised me to not pay XXXX! They are taking my money and giving me bad credit I am helpless and they are not willing to help!!! | ||||||
| 02/28/2022 | Yes |
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| I submitted a Qualified Written Request ( RESPA ) to LAKEVIEW LOAN SERVICING LLC on XX/XX/XXXX via registered mail. Their Loan servicer, XXXX XXXX acknowledged receipt of the request with a letter dated XX/XX/XXXX well after 5 days of receipt ( 1st violation ). They assured that they take these matters seriously and a detailed written response will be sent no later than 30 days from receipt excluding weekends and public holidays. Per 12 CFR 1024 if they are not obligated to respond to my RESPA request, they are supposed to notify me within 5 business days from their decision not to respond. I have not received any correspondence from LAKEVIEW or XXXX since the acknowledgement letter dated on XX/XX/XXXX ( 2nd violation ). It has now been 41 business days without a response to my RESPA request ( 3rd violation ). This is well past the 30 days required by 12 CFR 1024. As well, I have not been notified of any15 day extension to respond to the qualified written request. I called in to XXXX today XX/XX/XXXX @ XXXX central time. The call lasted 25min 36sec with XXXX XXXX I.D . XXXX. I was calling to make inquiries and was informed that my Home is already in foreclosure status as of XX/XX/XXXX ( 25 business days after my qualified written request RESPA with no response to or about it ). I was informed that I should call their foreclosure attorney XXXX XXXX XXXX XXXX and their phone number was provided. This is the first time I'm hearing about a foreclosure. I have not been notified by any attorney, LAKEVIEW nor XXXX. This is also out of line with the FDCPA. Legal action will be taken. | ||||||
| 09/01/2022 | Yes |
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| XX/XX/2021 {$28000.00} hud {$290000.00} first mortgage with Lakeview loan by XXXX Lakeview gave me an 18 month forbearance loan due to covid hardship At the end of the 18 months they redid my first and I was told I didn't need to qualify since it was already approved. We signed our loan docs with a promise to pay to Hud for {$28000.00} No where did we see that we would have to pay back the amount we didn't pay for 18 months, plus an additional amount of XXXX to Hud and there would be no reduction off the first once we did pay the XXXX. So we got an equity loan with another bank and they wanted the lien paid so they wouldn't be in the third position. When the loan went thru they sent a {$28000.00} check to hud and paid it off. This didn't reduce our {$290000.00} first at all and safe cu, Lakeview loan/XXXX and hud gave no good explanation while I almost paid double for a freeze in payments and I have yet to see an email of the breakdown. I have called multiple hours, lots of emails and very little help on the matter of the last two months. This was like borrowing {$1.00} from a friend and then he says don't worry about paying me back for 18 months then having to pay him back the {$1.00} and owing his brother XXXX on top of it. This is literally like dealing with a loan XXXX and I would never have done the forbearance if I would have know that I would be paying almost double for a freeze in payments. Can I please get an itemized breakdown of why and how this happened from Lakeview and I would like to dispute that I owe the 18 months lost payment plus a XXXX penalty | ||||||
| 01/11/2021 | Yes |
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Web | Servicemember |
| My loan # XXXX has not had any changes since I previously reported issues and received an outcome on XX/XX/XXXX. This was all addressed in the previous Case Number XXXX. My online portal still shows the same amount of {$1500.00} owed along with a significant amount being withheld for Escrow purposes. The payment was supposed to be reduced to {$1200.00} as of XX/XX/XXXX which never happened. My Escrow was supposed to be re-evaluated after this outcome which never happened. I am a XXXX XXXX XXXX veteran in Texas and therefore do not have property taxes on my home. I have filed all necessary exemptions for this to be the case back in XX/XX/XXXX. This was never taken into account during my loan process, Escrow calculation, and is still not being handled as it should. I feel discriminated as a XXXX veteran by this company. I contacted customer service a few times over the past 2 weeks to get them to fix these items only to be told that " my payment isn't late '' and that an " escrow evaluation was just completed on XX/XX/XXXX '' which showed nothing changed and was before my previous complaint/request. I have requested that another Escrow evaluation is completed as of XX/XX/XXXX and was informed on XX/XX/XXXX that it is still being worked on and that it would be completed by XX/XX/XXXX. As of today, nothing has been changed and I can not contact my mortgagor as of this morning 's phone call attempt. I am not being assisted by my mortgagor at all. If anything, I feel that they not only lied to me but to the CFPB about their intentions on what they will do and haven't done. | ||||||
| 09/18/2020 | Yes |
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Web | Servicemember |
| Loan was re-financed from Lakeview Loan Servicing to Lakeview Loan Servicing in late XXXX. Prior to closing, I paid the homeowner 's insurance bill and Lakeview paid the insurance bill. At closing, the mortgage broker paid the homeowner 's insurance bill. In XXXX, I received notice from Lakeview that I needed to provide proof of insurance. I told them they already had it. I was told they would attempt to contact the insurance company again. A few days later, XXXX notified me the mortgage company on the policy had been updated. In XXXX, I was again notified that I needed to provide proof of insurance coverage. This time, instead of talking to the insurance dept of the mortgage company, I talked to customer service. The lady looked through my policy and confirmed that the policy number was the same and, based on the documents on file with the company, I had no lapse in coverage. She stated she would be making contact with her boss and several departments to fix the issue. In XXXX, I was notified by Lakeview that the had taken money from my escrow to pay for hazard insurance. I called Lakeview and again spoke to a CSR. I was told that the money had been reversed. I received my XXXX statement today and there is no reversal. I checked the online account and there is no record of the hazard insurance that they wrongfully took from me has been refunded. I have attempted to contact executives from their company and I have had no response. At this point, I feel this company is operating fraudulently, hoping people won't notice money being taken. The amount taken was {$150.00}. | ||||||
| 08/29/2019 | Yes |
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Web | Servicemember |
| I closed my mortgage with XXXX XXXX XXXX XXXX. My loan was bought by Lakeview Loan Servicing shortly after. I paid {$950.00} at closing for 3 months worth of property taxes that would be due for 2018 when I closed on the house in XX/XX/2018. The {$950.00} was instead sent to my escrow account and not to the property 's tax account. I received a notification of delinquent taxes from my county and addressed it with my loan servicing company. They took the money due out of my escrow account in the amount of {$720.00}. They subsequently increased my monthly payment by {$61.00} every month to account for the {$720.00} paid for 2018. I have been paying {$310.00} in escrow payments every month to account for year end property taxes. The {$720.00} that was due for delinquent taxes should have been covered by the {$950.00} that was put into my escrow account instead of my tax account at closing. That leaves a {$230.00} surplus on top of the {$310.00} I have been paying every month since I closed on the house. Somehow, the mortgage company seems to think I owe that {$720.00} to them now. I do not understand how a surplus of {$950.00} on top of monthly escrow payments minus a {$720.00} paid in delinquent taxes puts my escrow account in a deficit. I have addressed this issue with the company on four different occasions and have been told different answers each time. Between the original mortgage company that processes my load and the loan servicing company that bought the loan, the {$950.00} was not accounted for properly and I am being held accountable for their mistakes. | ||||||
| 08/12/2019 | Yes |
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| Mortgage was originally opened in XX/XX/XXXX with the loan valued at {$140000.00} which is also prior to the FHA changes to PMI. Loan was sold to LakeView Loan Servicing LLC at some point from the original company. Original contract stayed intact and should not have changed the being able to drop PMI after a minimum of 5 years and XXXX at 78 %. On XX/XX/XXXX I made an additional payment of {$1200.00} to bring my LTV under the 78 % threshold which is the threshold for auto removal of PMI. On XXXX I was charged {$110.00} for a PMI disbursement. On XXXX I was charged for a PMI disbursement for {$110.00} I had submitted a support ticket between XXXX & XX/XX/XXXX questioning about this On XX/XX/XXXX when they " cancelled '' my PMI they took an additional {$110.00} Called on XX/XX/XXXX to inquire about a refund due to this. Never received a response either written or electronically. Called on XX/XX/XXXX to inquire about the previous call and found out that there was no ticket escalated. The customer service rep then said she would escalate a ticket. Called on XX/XX/XXXX to inquire about the previous call and found out that the ticket was closed with no response written or electronically. Customer Service rep confirmed that this was dropped on XX/XX/XXXX but was adamant that they will not retroactively refund the above amounts. Waited to put this complaint in until I talked to the supervisor, but currently as of XXXX CST, I have been on hold for 130 minutes waiting to talk to someone. I have attached XXXX - XXXX statements from LakeView Loan Servicing LLC. | ||||||
| 12/04/2023 | Yes |
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Web | Older American |
| When I closed my loan with XXXX XXXX on XX/XX/XXXX, they promised me that as soon as my property appraised at 80 % LTV that my PMI would be removed. My property quickly got to that point. So I called the Loan servicer and sent a check for {$150.00} to get the PMI removed. They cashed the check. Then they told me that XXXX required 2 years even though my property was worth nearly double the original purchase price. The loan officer either deliberately lied to me or was unfamiliar with the terms of removing the PMI. Then in XXXX of XXXX I called back to get the process in place and again I sent a check for {$150.00} for an appraisal, along with comps and yet again the check was returned and I was told I couldn't start the process until XX/XX/XXXX. Since XX/XX/XXXX I have called Lakeview Mortgage company serviced by " loancare '' at their customer service # every day and the loop of voice prompts never leads me to a live person and eventually hangs up on me. That # is XXXX. Additionally, the estimate for real estate escrow from the original loan was over {$10000.00} off for year two, so I had to increase my escrow payment to make up the difference by {$800.00} per month for the past 12 months. That 12 months has ended and I want an adjustment made to my monthly payment. I have sent several emails through on their website https : //lakeviewloanservicing.myloancare.com none of which has seen a reply. Buyer beware with XXXX XXXXXXXX XXXX in house mortgage company and their mortgage partner Lakeview. Original Mortgage company thru XXXX XXXX was called XXXX XXXX | ||||||
| 05/25/2021 | Yes |
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Web | Older American, Servicemember |
| Because I am XXXX and they would not take my payment out of my Debit Card, like the last three mortgage servicing companies, I was forced to leave my home , drive to the bank, stand in line, get a cash advance from my other bank and either buy a USPS Money Order, or a Cashier 's Check , drive to the post office, stand in more lines and mail off a certified letter with the payment inside! All the while in excruciating pain! When I told them I was going to refinance at a lower rate, they lost the next payment! They claimed that I missed two payments on my VA secured home loan about three years ago, but I did send the money to them in Certified letters that they signed for, but never credited to my account. They hounded me for over a year until I finally filed a law suite against them. They continued to report me late and hounded me for almost three years, and refused to deliver the materials he requested. Their actions caused me great physical and mental distress, huge expenses in both direct costs due to higher interest rates and lost opportunities. I was forced to sell my home to try to get away from them, which I did at a great loss. I could not buy a second home because of their malicious and false credit reporting. If they had not destroyed my credit, I could of had dozens of homes to choose from at then bargain basement prices, but which are now much more expensive, some even double as much! If you doubt any of this, call my Lawyer! He has a file two inches thick with my proofs AND all of the exact dates of this entire episode of their terrible actions! | ||||||
| 03/17/2020 | Yes |
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| We have been trying to obtain a payoff from XXXX servicing sinceXX/XX/2020. As of yesterday XX/XX/2020 they have not issued the payoff to us or the customer. We have confirmed receipt of our payoff request on XXXX in which we were told that they had a 2 business day turnaround time ticket number ( XXXX ), when we followed up on XXXX we were told that their turnaround time is closer to 5 business days that that the additional time was because they had to hand calculate the additional balance and we were told that we would receive an email confirmation once the loan servicing has been handled, which did not happen. On XX/XX/XXXX we spoke to a representative that stated that all payoff requests are delayed at this time and the representative couldn't give us an ETA and could not escalate any further without the borrower calling in EIGHT business days after our initial request. The borrower called in on XX/XX/XXXX and was told that they had never received our payoff request and that they could not help her at this time. She had tried numerous times afterwards and was hung up on and told that the payoff " would be faxed as soon as they were off the phone '' we have still not received the payoff request ( right now it is XXXX on XX/XX/XXXX ). The borrower is selling this property and simultaneously purchasing another and is at risk of being in breach of contract for both due to the negligence of this servicer. It has been 12 business days since our initial request for a payoff, which is a reasonable amount of time to give the servicer to complete this task. | ||||||
| 12/16/2019 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX LN # XXXX To whom it concerns : My Loan was purchased by Lake view loan servicing LLC XX/XX/XXXX. I made changes to my bill pay and auto payment through my bank.. Fast forward, My XX/XX/XXXX payment went out as usual. The statement arrived and show that I had a late fee and the payment was over due. I call loan care immediately, I called my bank. Long story short. The loan payment had been going to an account number not the loan number. I went round and round on the phone, finally spoke with a supervisor, a XXXX XXXX. Well he got most of my issue straight. The XXXX payment did post the missing money was found. My XXXX payment went out on the XXXX of XXXX. The money got refunded to my account thanks to Mr. XXXX. So, for XXXX payment, I had my bank send a check. ( accelerate XXXX payment ) The check was to arrive by XX/XX/XXXX. I have called lakeview loan servicing. They can not answer to where the check is. nor an accurate time line to process. I ask about the late fee? Well payment is due by the XXXX. '' Late fees are automatic. You might get a one time waiver '' The front line phone people have no answers but get the money ... 1. It should take 7-10 days to process my check 2. The check has been there for over a week. It has not posted 3. late fees automatic? I'm not late, its their process that's late. 4. There is no continuity to correct problems.. Every time you call, get a new employee and issues start all over and no one knows what to do. just follow script for answers to the customer .... I | ||||||
| 04/26/2021 | Yes |
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| XX/XX/XXXX - XX/XX/XXXX My forbearance scheduled to end on XX/XX/XXXX, I have been calling 3-4 times a week and have received multiple different answers from Lakeview Loan. XX/XX/XXXX - XX/XX/XXXX - told was eligible for extended forbearance but never happened - XX/XX/XXXX - was told my forbearance would be extended through XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX was Promised that my XX/XX/XXXX this would show on my online account - this never happened - XX/XX/XXXX was told I was " preapproved '' for a COVID modification with no documentation and that I was not eligible for an extension, said no follow up by me was needed and they would contact me within 7 days to discuss. This never happened - XX/XX/XXXX called to ask for update there was no update and modification was not started - XX/XX/XXXX asked for recordings of all my discussions because I have received so much incorrect information - was told supervisor would call me back - never received a call - XX/XX/XXXX was told I was never preapproved for COVID modification, not eligible for any longer on forbearance and needed to fill out a packet for modification. Recordings of calls were never stated on my loan - was told again supervisor would call me back - never received call - XX/XX/XXXX - called again- I filled out mtg assistance packet and again asked for call recordings and speak to supervisor - neither happened - XX/XX/XXXX - was told in review for modification and no documentation on anything else, forbearance, phone calls, recordings, nothing at all. On hold for supervisor now for 40 minutes | ||||||
| 03/15/2021 | Yes |
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Web | Servicemember |
| I refinanced my mortgage through my original lender ( Lakeview Loan Servicing , LLC - XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) on XX/XX/XXXX and it was completed in XX/XX/XXXX. I provided my insurance policy ( ies ) information and they were included in my closing package. First, my homeowner policy was canceled due to non-payment, though I had plenty of escrow available. I contacted XXXX ( mortgage servicer ) and it was resolved and policy was reinstated. Then I was notified XX/XX/XXXX, that my wind insurance was canceled ( XX/XX/XXXX ) due to non-payment. I contacted XXXX again, and they were showing a valid escrow amount, but the title company XXXX or XXXX marked the policy as paid. I learned this after speaking with XXXX XXXX on XX/XX/XXXX. Mr. XXXX advised me to contact XXXX, which I have done twice via VM as they do not actually speak with you, and via email, with no response. I do not believe I should have to resolve this due to the lender 's error. I have tried numerous times since XX/XX/XXXX to contact the lender, but their IVR sends you into a perpetual loop that never connects you with a live agent. This lender has made errors on every refinance I have performed, to include when they violated a previous refi contract where the refi fees were to be rolled into the new principal, but they instead used my escrow to pay the fees and my policies were canceled. This was only resolved after mailing a letter to the CFO. I have 30 days from the date of policy cancellation ( XX/XX/XXXX ) to have it reinstated. Please expedite if possible. Thank you. | ||||||
| 08/13/2022 | Yes |
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| I submitted a signed and notarized Loan Modification agreement with XXXX on Monday, XX/XX/XXXX at 3.125 % interest rate on a 30-year fixed FHA loan XXXX I made a full initial payment on XX/XX/XXXX. This was the first due date of my new loan. Then XXXX said they did not submit the correct paperwork to New York State for my loan modification, therefore I would have to sign and notarize another loan modification, but now at a 4.25 % interest rate since the Federal Reserve had been increasing interest rates between XXXX and XXXX. I now pay {$120.00} more each month due to no fault of my own which is {$43000.00} ( = 30 years * XXXX mos/yr * {$120.00} ) more I have to pay now over the next 30 years. On XX/XX/XXXX XXXX acknowledged that they received my 2nd set of signed and notarized documents for my Loan Modification and that it would take 30 calendar days for my account to reflect these changes. My account has still not been updated. Since they are dragging their feet to update my account, I can not make ACH automatic monthly withdrawals to pay my loan. I have had to call them each month since XXXX, my initial payment on my 2nd loan modification, to make a payment over the phone. I have called them countless times this year to speak them. Each time they assure me someone from XXXX will email me or call me to address these issues within XXXX business days. No one ever contacts me back. The whole reason I have had to do a loan modification is because I suspended my mortgage payments during the pandemic because I was laid off due to no fault of my own. | ||||||
| 12/14/2018 | Yes |
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| We refinanced with our then current mortgage company ( XXXX ) in XX/XX/2018. At the time we mailed in our XXXX payment ( XX/XX/XXXX it was cashed ) and we closed the refinance on XX/XX/2018 with a sub-company of XXXX called Lakeview Loan Servicing , LLC. Lakeview sent us a statement on XX/XX/18due for XX/XX/18and listed an " unapplied Balance '' of {$430.00} and that our total amount due ( TAD ) was {$530.00}. We made the XXXX payment but on our XX/XX/18 statement the XXXX was listed as an " Unapplied Balance '' and the XXXX was listed on XX/XX/18as " Additional Principal Payment. '' I have contacted Lakeview numerous times to get this XXXX pulled from Principal Only and applied as a Regular Payment but they have delayed the review and have stopped returning my calls. My wife started a CFPB complaint for some additional issues with this company on XX/XX/18 and at that time Lakeview assigned XXXX XXXX to the case. I have left voicemails for him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no return calls. The resolution I want is for Lakeview or XXXX to apply XXXX as a regular payment so that we will stop showing as past due ( since XXXX ). i would also request that any late fees be waived as this was an error on their part ( incorrect statement ) and that our Credit Bureaus be corrected to show as on time payment. **Additionally this company uses a robo-dialer to contact customers with a pre-recorded message and there is not an option to speak with a live agent requiring each and every customer to make a call back in to Lakeview . | ||||||
| 03/17/2022 | Yes |
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| In XX/XX/2020 we became eligible for automatic payments on our mortgage. The representative for the lakeview XXXX XXXX told us we could use a credit card on the account for automatic payments. We called back with the credit card account and routing number for them to take and they accepted it. We did not find out until the month after that the payment did not go through. We contacted Lakeview and they said they actually do not accept credit cards for autopay. We paid both months and switched our autopay directly to our checking bank account. Until we tried to refinance a little over 6 months ago we didn't know that this incident had been negatively reported on our credit. Due to lakeviews employees giving false information, it is their fault we have a negative mark on our credit report. We escalated this problem through lakeview and their team denied taking it off our report without even listening to our recorded phone conversation like we had requested. We then contacted a manager to let them know what their escalation team did, they said they would take care of it and requested us to ask in writing, so we did. We never heard back from their manager. We have since escalated it a second time with a different manager and have once again gotten no word back. We then reported to XXXX what they did and XXXX wasn't able to help us either. This is our ONLY negative marking on our credit report and have desperately attempted to resolve the issue in every way we can. We have been extremely mistreated by this company. We need your help please. | ||||||
| 06/25/2020 | Yes |
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| XX/XX/XXXX Missed loan payment, XX/XX/XXXX applied for Forbearance. XX/XX/XXXX Forbearance granted. XX/XX/XXXX Attempted to make all payment and cancel forbearance. We spoke to a customer service rep and made all past due payments, however due to his error of under charging us by {$6.00} our XXXX payment was put in a " holding account '' until we called on XX/XX/XXXX because account was still showing default online. XX/XX/XXXX Called and spoke with a supervisor that explained what had happened also again canceled forbearance and set up autopay for XX/XX/XXXX and all future payments. XX/XX/XXXX received an email that autopay is setup. Online account shows autopay setup, still shows account behind, also shows active forbearance. We sent numerous email message, called and could not get a live person, we even asked for a call from a live person with no response. Our credit is showing we are 7 months past due on our mortgage. XX/XX/XXXX We made an online payment because our credit union does not show a draft. We called and actually got a representative ( loss mitigation ) haha because we are calling about what they still list as a past due account. XXXX helps with problem assures us that account is current and transfers me to customer service for help with credit issue and letter for auto finance letter because XXXX XXXX has rescinded their offer on a car we purchased on XX/XX/XXXX due to " delinquent mortgage ''. Customer service XXXX states she can not help. I do have all documented email from loan care and rescinded offer from XXXX XXXX. | ||||||
| 05/23/2018 | Yes |
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| We bought our home in XX/XX/XXXX and our first payment was supposed to be due in XX/XX/XXXX. When the loan was sold to Lakeview Loan Servicing , LLC, we attempted several times to make our XX/XX/XXXX payment. We were told that the payment was moved to XX/XX/XXXX and that no payment was due XX/XX/XXXX. We were hesitant to accept this change as our note stated that the payment was due XX/XX/XXXX. We made calls prior to 5/1 and again on XX/XX/XXXX. All documents received from our new lender, including a mortgage statement dated XX/XX/XXXX, show our payment due date is XX/XX/XXXX. However, on XX/XX/XXXX, my husband received a phone call stating that we were late for our XX/XX/XXXX payment. Apparently this was an error made at some point in purchasing the loan and it was fixed on XX/XX/XXXX. If it was fixed on XX/XX/XXXX, we received nothing in writing regarding this change. Now, 2 weeks after the change, and one week after we are already late, they called demanding payment. We have attempted to request that this mistake be cured and our loan modified but were only told that we need to make 2 mortgage payments within the next 20 days to avoid penalties. My husband spoke with a supervisor yesterday who admitted to having made the mistake and told my husband " it shouldn't be a problem to adjust our payments and add a month to the end of the loan ''. When I spoke to them today, the company was clear in offering no cure to their mistake. The last person I spoke to was XXXX, her ID # XXXX. Any assistance in the matter is appreciated. Thank you | ||||||
| 08/11/2021 | Yes |
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| XX/XX/XXXX contact lakeview loans for an extension on forbearance due to my hardship from covid not being resolved. Original forbearance dat XX/XX/XXXX to XX/XX/XXXX which is 14 months out of the 18 I am being allotted for from the cares act. XX/XX/XXXX Received a call stating my forbearance is ending on XX/XX/XXXX I advised the previous loss mitigation specialist submitted a request for extension. Specialist stated no request received but does see I have 4 more months and she would submit a request. XX/XX/XXXX Received another call from loss mitigation stating my forbearance was ending advised I have submitted this request twice already specialist advise they would submit a ticket since they were not able to do this in there system due to an error. XX/XX/XXXX Called loss mitigation stated the ticket would be resolved by XX/XX/XXXX and that I should be all set XX/XX/XXXX Called Loss mitigation stated they are behind still working on it and check back in a few days XX/XX/XXXX Called loss mitigation representative stated still in process at this point I have had enough and request for a supervisor. XXXX supervisor contacted me back XXXX hours later stating I would need to submit financial documentation on my FHA loan. I advised per the CARES act that she may not request for proof of financial hardship. She stated that the companies internal policies are to request for financial proof and that the CARES act does not work anymore. She said only options that I have are for loan modification or to take out a loan for the balance. | ||||||
| 04/04/2019 | Yes |
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Web | Servicemember |
| I received a letter that I would have a tax shortage in XXXX. The lender indicated I could pay the shortage or have a new monthly payment amount. I returned the letter with the included slip paying the tax shortage to keep my mortgage payment about the same. What the slip said it would be. I include a photo of this document. The company XXXX XXXX decided to take my tax shortage payment and apply it to my principal. I have paid the amount indicated for my mortgage every month since XX/XX/XXXX. However since they applied this to my principal my monthly mortgage increased to cover the tax shortage. I continue to pay what it should be and they refuse to fix the problem they created by applying the tax shortage to the principle. So essentially according to them my payment is approximately {$400.00} short every month I have repeatedly called and explained this to customer service. Each time I call they say they recognize the problem and its being fixed meanwhile they keep dinging my credit score and do not fix there mistake. Managers keep telling me that my credit will be fixed once they fix the problem but they have yet to fix the problem. Each time I call a manager says they will get the problem fixed and return my phone call and they never do and I end up calling again a few days later and explaining the whole situation to several people in customer service before I get to another manager who then repeats the same process and never follows through with it. My credit score has called 120 points because of this mistake by XXXX. | ||||||
| 06/10/2020 | Yes |
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Web | Servicemember |
| ELDER ABUSE Lakeview Loan Servicing https : //lakeviewloanservicing.myloancare.com/ Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Property Subject to Loan Serviced by Lakeview Loan Servicing Please regard this as a formal complaint against the practices of my servicer. We have attempted to procure a payoff from Lakeview Loan Servicing. XXXX XXXX and I have attempted through phone calls, submitted requests and various other means to procure a payoff of my current loan for more than 6 weeks to facilitate my refinancing. Ive a copy of an email I received from XXXX today. I will have to restart the loan process over with XXXX XXXX if my servicer continues to ignore our requests. Obviously the servicer does not want to lose a performing loan, but their deceitful tactics of ignoring my and XXXX XXXX requests are the exact basis of the charter of the CFPB. These servicers are the same organizations that have informed mortgagors seeking forbearance of payment that they will owe a balloon payment for missed months. The same entities that have extensively lobbied every U. S. Congress member that will listen that the Federal Reserve should provide them a nearly interest free credit facility to overcome their own illiquidity. Incredibly, the legislation recently passing the House actually provides for that relief. This country faces so many issues but the worse response is when good people standby and doing nothing. Thank you for your consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX | ||||||
| 07/13/2020 | Yes |
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| Since mid XXXX I have been trying to get XXXX to correct my payment history. They have reported a payment of more than 30 days late in XXXX of 2019. When I call to talk to them about the issue they state that their records show I made the payment on time and that they are reporting it correctly. However it is still being reported as more than 30 days late on my credit report. I have filed disputes starting in mid XXXX with the credit bureaus that did not fix the problem. I have now filed multiple disputes with XXXX internally that have so far not fixed the problem. Each time they come back and say they are reporting it correctly and I have to start the process over again which takes weeks. I have made multiple phone calls and been on the phone for multiple hours trying to get them to update my payment history correctly and each time am told the dispute is in process or the dispute is done and they found their information to be correct. As of today my credit report from all three bureaus still shows a payment of more than 30 days late in XXXX of 2019 after hours on the phone and multiple disputes for the last three months I will include a payment history provided to me from XXXX showing that I made the payment on XXXX the XXXX of 2019. I will also include a picture of my payment history as it has been reported to all three bureaus by XXXX. Their refusal to investigate this issue thoroughly and fix their error is causing me financial harm. I am unable to gain pre-approval for a home loan I need to help house my family. | ||||||
| 04/06/2020 | Yes |
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| We, like most, have been severely impacted by the COVID-19 pandemic. We both are currently out of work due to the National Guidelines, as well as our state mandated and city mandated orders to stay home. We live in XXXX XXXX, Florida which most of our economy is generated through tourism. I am a XXXX XXXX ( we use no personal protective equipment ), and the other person on the mortgage is a small business owner ( XXXX XXXX XXXX ). We have zero income coming in. Besides the problems with filing for unemployment in the state of Florida, we are both XXXX XXXX and 1099. I called Lakeview Loan Servicing LLC, with subservicing by XXXX on XX/XX/ 2020 at XXXXXXXX ( XXXX ). I spoke with Customer Service regarding our mortgage, about being out of work, the forced closure of business and our town. They literally have put up a roadblock at the top of the Florida XXXX and are only allowing residents in. I told them we had zero money coming in and they only offer a forbearance. The problem with the forebearance that they offer, however, is that at the end of the forebearance period ( 3-6 months ) any unpaid payments will become due at the end of the forebearance period. I'm not sure how they expect people to come up with that kind of money with zero income coming in at no fault of our own. I thought they would at least offer to put the months in forbearance at the end of the loan. This type of behavior with a {$22000.00} balloon by our lender and their servicer is predatory and setting us up to fail and lose our home. | ||||||
| 04/25/2018 | Yes |
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Web | |
| Lakeview Loan Servicing bought my loan without my knowledge or consent from XXXX and I've had nothing but trouble since. If I had known they were going to switch and especially that there were new terms such as fees for processing online payments, I would have applied for alternate financing! There was some sort of an issue with the way XXXX paid my homeowner 's insurance so it was billed again and rather than checking anything, Lakeview paid it a second time. Now, they have double my annual insurance amount to cover it. I have been calling since XX/XX/XXXX when I saw that they were increasing my payments, but to no avail. I have spent numerous hours on the phone. I have sent numerous emails and they continue to ignore me. When I get them on the phone, they pretend they haven't talked to me before or have no notes and then, transfer me to non-existent lines, and I get a disconnect. I have had them talk directly to my insurance company, but they pretend to not understand! They can not be that ignorant! It is simple math!!!! They are fully aware that the only payment to be made to my insurance company this year is {$56.00} total for the year, but they have raised my escrow amount by more than {$100.00} per month! I believe they did all of this because they know I have been struggling to make the payment. Now that I could have made the correct payment on time the last two months, I can not because I do not have the correct payment amount. I am at a loss of what to do! This is an incredibly dishonest company!!! | ||||||
| 12/31/2019 | Yes |
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| On XX/XX/2019 - I made a one time payment from my personal checking account to cover my brother 's mortgage in the amount of {$1400.00}. I specifically told them this was to be used 1 time and to not save my account information for future payment processing. On XX/XX/XXXX, my brother called his mortgage and made his XXXX payment by phone, using his own account information. He even sent me a message thanking me again and told me he made his payment and was getting caught up on things. On XX/XX/XXXX, the mortgage company drafted his XXXX mortgage payments in the amount of {$1400.00} from my account without authorization. I called in on XX/XX/XXXX and XXXX. They informed me only that they did see a payment on XX/XX/XXXX and again on XX/XX/XXXX and that the next payment due was XX/XX/XXXX. They said my brother, XXXX XXXX, would have to contact them. XXXX called in on XX/XX/XXXX and was told the refund would take a few days due to the Holidays. I checked my account in XX/XX/XXXX and it still was not refunded. I tried calling all day yesterday and could not get through. I was able to get through today and they confirmed they would not tell me anything without my brother on the line, ( even though they did confirm he had called in on the XXXX and provided permission in regards to the account ). They said it was only good for that day. My brother works in the field and doesn't have service to sit on hold for hours to get this resolved. I'd like my money refunded and I'd like the {$34.00} fees refunded as well. | ||||||
| 03/13/2020 | Yes |
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| Hazard insurance for my home was cancelled on XX/XX/2020 because my hazard insurance company ( XXXX XXXX XXXX ) did not receive renewal payment for 2020 from my escrow account. I've been paying for my hazard insurance every month as part of my monthly escrow payments. Now, my morgage lander ( LakeView Loan Servicing LLC ) sent me a notice saying that they will get a hazard insurance for me at their own terms, which will be much higher than the ones I had previously payed. When I called the escrow department at LakeView Loan Servicing LLC, no one was able to help me ( I talked to three different agents ). I was basically told that they disburse money to whoever they have on their records and they don't care what happens to this money, and if the other party gets the payments or not. They blame it on me saying I was supposed to renew the hazard insurance myself at the end of the term. But I don't pay the premiums myself, and I have no ways of controlling the insurance renewals. They do it out of the escrow, and I have to rely on their promptness in payments. So, I'm in total dispare at this point because it seems like the money I've been paying for the hazard insurance into my escrow account ( at least for the last two months ) is lost. No one at LakeView Loan Servicing escrow department is willing to resolve the issue. The more I call them the more irritated they get. I have no idea how to resolve this problem and who to contact next. If you need any additional documents, I will provide the on the request. | ||||||
| 08/20/2021 | Yes |
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| On XX/XX/XXXX of XXXX I closed on a streamlined mortgage refinance with Lakeview with a representative, XXXX XXXX. After my closing, I received a call saying that the payoff for my original loan was shorted. XXXX did whatever needed to be done to get this resolved. When I signed the refinance documents, the note said that my first payment due was XX/XX/XXXX. After the payoff was shorted and that was resolved. I was told over the phone that my new payment was on XX/XX/XXXX. I emailed XXXX immediately and she confirmed and sent me a screenshot showing the new payment date. In the mail, I received my welcome letter from the loan servicing company XXXX XXXX, with my account number, servicing information and the first payment due on that letter also said XX/XX/XXXX. Even if I was supposed to make the payment on XXXX I would have never been able to because I had no access to do so until XXXX. In XXXX, I made my payment and noticed that the new due date did not change. I looked at the history of my payments and they reversed my payments to reflect a first payment was due on XX/XX/XXXX without even notifying me. I have called and emailed them for the last 4 months trying to get this resolved. Every representative Ispoke to said they will take care of it and nothing has been resolved. I called XXXX, XXXX had her boss reach out to someone and it was still not fixed. This is destroying my credit, I have accrued late feed and I've had enough. Please help me get this resolved and report them in whatever way you can. | ||||||
| 02/01/2021 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, Lakeview Loan Servicing LLC made a " Principal Balance Adjustment '' to my mortgage account in the amount of {$8500.00}. This amount appears as a " Deferred Balance '' on my mortgage statements beginning in XX/XX/XXXX. This balance adjustment was made in error, as confirmed by two separate customer service representatives whom I spoke with over the phone on XX/XX/XXXX. At that time, I was assured that the error would be corrected within 2-3 business days. As of XX/XX/XXXX, there has been no resolution and subsequent attempts to contact Lakeview Loan Servicing - both by phone and via their customer support web form - have been ignored. Background : From XX/XX/XXXX thru XX/XX/XXXX, my mortgage was on forbearance due to the pandemic. When my forbearance ended on XX/XX/XXXX, I paid the entire 6 month forbearance balance ( {$14000.00} ) in full. According to the customer service representatives that I spoke to on XX/XX/XXXX, Lakeview Loan Servicing LLC mistakenly deferred principal balance from the forbearance period, despite the fact that I had just paid the balance in full. As shown in the attached Payment History, the principal balance adjustment was made the same day on which I ended my forbearance and paid the 6-month balance. I have attached a copy of the 12-month payment history for this loan, including mortgage statements. The unexplained/errant Principal Balance Adjustment appears in the XXXX statement as " Deferred Balance '' and appears in the Payment History on XX/XX/XXXX. | ||||||
| 11/22/2019 | Yes |
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| My mortgage servicer has been misapplying my payments repeatedly over the course of the last 5 months. We have called and had the process reversed numerous times. Even though we have a current monthly payment due in less than 30 days ( making payment in the current month I should be paying ) they are posting them as principal curtailments and assessing late fees. This has caused multiple hours on the phone including multiple reps stating the last person who was supposed to fix the issue didn't do it. One of the occurrences took multiple calls over 2 months to fix. They have just again, misapplied my payment for XX/XX/XXXX as a principal curtailment. I can't even keep up with their deceptive math to ensure my account is where it should be and that all of my payments were posted properly. At this point, I'm also concerned for my credit which has certainly had my mortgage debt reported low and then high and then low and then high again. This is out of control. At no point have payments been made early enough for them to ever be considered a curtailment. Example, every payment for the XXXX of the month due date has been made in the middle of the previous month ( 2 payments for XX/XX/XXXX due date made during XXXX ). I have been told by their own rep it is a glitch in their system that searches and automatically does this to people. Even if their current payment is due, they will post as a curtailment to anyone who splits their payment and has money sitting in suspense until they have the full payment. | ||||||
| 04/06/2021 | Yes |
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| On XXXX the owner and I, co-owner, made an accidental payment to our county taxesmistaking it was the ones we had to pay. We are new homeowners and we made a mistake. Between XX/XX/XXXX -XX/XX/XXXX, weve spent countless hours with Lakeview Loan Servicing trying to get our refund. Our county had sent out a check to our lender in which our refund is included. The refund from the county is supposed to fall in out Escrow account in which we were told by an agent XX/XX/XXXX to submit a bank statement where it shows that the payment was taken out. I sent that immediately over with the details of the check number the county provided and the date that they sent that check over to this Mortgage Lender. I followed up on XX/XX/XXXX an agent told me that there was no such thing of them doing that! Seriously?! Almost every agent I spoke to contradicts themself, the company refund procedures, etc. Mind you, I spend a good hour of waiting to speak to someone, who then transfers me to someone else that takes an additional 30 minutes or hour again. The agent that I spoke to on XX/XX/XXXX referred me to speak to the county again and confirm everything again. Theres nothing else they can do as they gave me proof of payment on their end. I got transferred to a manager that ended up getting me transferred back to an agent who couldnt help me and gave me the run around again. Ive been waiting since XX/XX/XXXX to get my refund. Still, nothing. I want answers, professional assistance and to finally have my refund. | ||||||
| 02/29/2016 | Yes |
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| My wife and I received a letter in the mail dated XXXX XXXX, 2016, from XXXX Mortgage stating that the servicing of our mortgage had been " assigned, sold, or transferred to Lakeview Loan Servicing, LLC, '' and that we " will be receiving a letter with [ our ] new loan number and instructions for making [ our ] payments from the new servicer. '' We waited, as instructed in XXXX 's letter, for instructions and a new loan number from Lakeview Loan Servicing, LLC, but, it is now XXXX XXXX, and we have still not received a letter from the new servicer. I tried calling Lakeview Loan Servicing, LLC, twice this morning, but I ca n't reach anyone there. The second time I called, I was on hold for over thirty minutes and their phone system hung up on me. I tried to set up an account online on their website in order to create an automatic recurring payment, but I need my new loan number from them to do that, and I ca n't get my new loan number until they send me something in the mail or I can reach them by phone. It 's like they do n't want our money. We just want to make our payment on time. It is incredibly frustrating to wait and wait and never hear from our new servicing company, and then when we need to reach them, we ca n't even get them on the phone. It 's disappointing that, as consumers, we have no say in who services our mortgage, and we are stuck with any company our loan servicing is sold to, for up to 30 years, regardless of the new servicer 's customer service record, without our consent. | ||||||
| 10/05/2022 | Yes |
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Web | Servicemember |
| I got a letter today from Lakeview Loan Servicing , LLC concerning a data breach in their systems. They informed me this occurred between XX/XX/XXXX to XX/XX/XXXX. They then told me in the letter that on XX/XX/XXXX that the information accessed had my information included, including my ss number and my name. Also, between this time period is when I had my mortgage transferred over to this company. Whenever I sold my home to have the mortgage paid off through a lawfirm, the law firm even told me that they were showing a XXXX balance on the mortgage and that it somehow got paid off before i sold my home in XXXX of XXXX. I believe something fishy is going on with this company. I would like to see if I can recover my funds from this company or if it is possible to seek out a lawyer to recover the funds from which the house was sold back in XXXX of this year. The law firm is XXXX XXXX XXXX in XXXX north carolina. whenever i approached them and told them i was selling my home, they informed me that the loan was actually already paid off somewhere between XXXX and XXXX of last year, the same time the data breach occurred. i would like to get all of my money back from them because I feel like a scam has occurred and this hurts my heart and is heavy on me because of it. i do not accept their 1 year credit monitoring service because I already have credit reporting alerts from all three bureaus. I am a XXXX vet and I will get my state attorney general involved. their credit monitoring service is not enough | ||||||
| 03/29/2022 | Yes |
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| XXXX did not fully address the concerns outlined in my prior complaint. Most specifically, they have not updated my account to reflect accurate status. Per their own documentation which was finally provided as result of my prior complaint, my forbearance was for dates XX/XX/XXXX through XX/XX/XXXX. Payments for each of these months was made in full and is documented in their system. However, the are still reporting that my account is past due ( it is not ) and are not allowing me to make online payments. My forbearance period has not ended and my mortgage payments are now current. I believe they updated my account to not accept payments in retaliation due to my complaints. If true, this is very concerning and unethical. I have provided screenshots printed today, XX/XX/XXXX as evidence of : 1 ) their receipt of each of my mortgage payments 2 ) Their block on my account that will not allow paymets to be made online. 3 ) Their inaccurate reporting that my account is 30 days past due For reference, documentation will show full mortgage payments were paid and posted as outlined ( which brings my account completely current ) : - XX/XX/XXXX payment posted by XXXX on XX/XX/XXXX - XX/XX/XXXX payment posted by XXXX on XX/XX/XXXX ( XXXX separate payments paid/posted on same date ) - XX/XX/XXXX payment posted by XXXX on XX/XX/XXXX - XX/XX/XXXX payment posted by XXXX on XX/XX/XXXX ( two separate payments posted/paid on same date ) - XX/XX/XXXX payment made on XX/XX/XXXX, not yet received/posted by XXXX | ||||||
| 04/24/2018 | Yes |
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| I have had numerous issues with XXXX XXXX, the first issue has almost been resolved however I am still after 3 months outstanding a payment of {$230.00} which apparently comes from FHA direct! The other issue which is ongoing and I have numerous emails and phones calls logged with them, is that I have had my FHA mortgage since XX/XX/2012 and as soon as the 5 years were up and we met all the criteria to have the MPI removed, I emailed/called/wrote to them, never had a response albeit generic emails to say put it in writing to us why you want it removed and if you meet the criteria we will contact you! This was an ongoing issue, one one phone call the agent told me I would not be able to have the MPI removed as the Loan to Value was not enough and it was not a current valuation but original valuation, I explained I wanted to make a payment to bring the LTV down to the correct amount which would save me {$240.00} a month, yet again she said she would get the dept to contact me! they never did, they have documentation of all my email requests, XXXX XXXX at XXXX has confirmed this and I have been in touch with him since XXXX, so I have basically overpaid {$240.00} per month and I want a refund of this asap, they have told me I am correct and this should have been actioned and it is with the Manager, well it has been with the Manager for months! I want a resolution as this has so far cost me time effort stress and more importantly my hard earned dollars. Please can you help me reach a conclusion. XXXX | ||||||
| 12/14/2023 | Yes |
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Web | Older American |
| On XXXX, the XXXX XXXX we received a letter from loan care stating that our mortgage payments was increasing by {$820.00} from {$1700.00} to {$2500.00} and also, that our escrow was {$6600.00} short. Prior to receiving this notice with this lump sum of over {$6000.00} we were not informed that our escrow had a shortage. After looking over the escrow analysis we noticed that there are mistakes and over estimations in our account, the taxes was estimated to be {$3500.00} which they were only {$2400.00} which is {$1000.00} less. We also, noticed that our escrow account minimum balance is {$1300.00} but we are being charged {$1300.00} a month which is double the amount of our current escrow of {$540.00} a month. As, we went over the account our taxes and hazard insurance went up slightly {$100.00} for taxes and {$64.00} for insurance. There is nothing that should cause our mortgage and escrow payments to have such a major increase. This is not the first time XXXX as made these types of costly errors which can lead to unnecessary equity loans, refinancing and loss of property. On XX/XX/XXXX we paid {$4100.00} which paid the shortage ( {$2800.00} ) and the minimum required balance of {$1300.00} and asked for a new escrow analysis. I was told that it would be completed by XX/XX/XXXX and it was not. I called on XX/XX/XXXX and talk to XXXX for customer service and she stated that until we pay what should be the minimum balance ( {$2300.00} ) instead of what our documents states which is ( {$1300.00} ) | ||||||
| 03/17/2023 | Yes |
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Request : Removal of Private Mortgage Insurance XXXX XXXX : XXXX XXXX : Purchased house for XXXX due to distressed status of property. Mortgage for XXXXXXXX XXXX XXXX XXXX : Spent XXXX on improvements and general repairs on house Summer XXXX : Loan sold to XXXX XXXX ( d/b/a Lakeview ) XXXX XX/XX/XXXX : Initial request sent to XXXX XXXX via mortgage servicing website for PMI removal ; received auto-generated response same day stating I would hear back in 5-7 business days XXXX XX/XX/XXXX : Still no response, sent email outlining PMI removal request with attached invoices for repairs. Requested appraisal XXXX XX/XX/XXXX : Received call from XXXX XXXX representative, same advised to not email them, a third party appraiser would be contacting me in the next day or two and if I did not answer the phone, they would leave a voicemail. They would be calling to set up an appraisal appointment. XXXX XXXX rep stated house would need to be appraised for at least XXXX to drop PMI removal. Rep stated they could not give a certain timeline, but it was likely to be resolved within a couple of weeks " by the end of XXXX. '' XXXX XX/XX/XXXX : Follow up request for PMI removal through mortgage servicing website. Advised that I have received no follow up it is had been weeks.
XXXX XX/XX/XXXX : Current mortgage principal is {>= $1,000,000}. XXXX of improvements completed. No response from mortgage company to date via phone call, website, or email. No appraisal -- -- -- -- -- -- -- -- -- -- -- --- |
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| 11/21/2023 | Yes |
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| In XXXX, I applied for XXXX funds through the Commonwealth of Pennsylvania in order to achieve full reinstatement of my loan, along with six months of future payments. During the late spring of XXXX, Lakeview and/or Loan Care ( the sub-servicer ) confirmed to XXXX that {$13000.00} was needed to fully reinstate my loan and also confirmed that {$4800.00} was needed to maintain my account in current status for the following six monthsthrough XX/XX/XXXX. XXXX then provided said amounts to Lakeview and/or Loan Care. It is my understanding that Lakeview and/or Loan Care servicing provided the wrong amount to XXXX initially, and that XXXX actually made an overpayment. Lakeview and/or Loan Care nevertheless claims that the account is delinquent and that {$2400.00} is owed. In order to accept XXXX funds, Lakeview and/or Loan Care agreed that my account was current. Given that the full payment ( s ) have been made, I do not understand why my account is in delinquent status. Please immediately correct this failure, ensure that the mortgage delinquency as of todays date is set to {$0.00}, remove any and all late fees, and place my account in current status as of todays date, so that I may continue to make my normal monthly payments starting XX/XX/XXXX. If some genuine delinquency remains, please immediately contact XXXX to inform them of the shortage so that the issue can be rectified on their part. Please correct any erroneous reporting of my account status to the credit bureaus. | ||||||
| 03/09/2020 | Yes |
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Web | Servicemember |
| Built a new home on an empty lot. After a recent assessment taxes increased. I received a letter from Lakeview Loan LLC that there was an escrow shortage. I first tried to have the escrow account removed from my loan and I would pay the taxes and insurance on my own as I already pay my homeowners insurance in-full for the year. Lakeview denied my request. Lakeview gave me 2 options ; a ) pay the escrow shortage in-full by XX/XX/2020 XXXX {$2400.00} XXXX and our payment would increase from $ {$2500.00} to {$2800.00}. OR option b ). Not pay the escrow shortage and our payment would increase from {$2500.00} to {$3000.00}. I paid the escrow shortage IN-FULL on XX/XX/2020. My XXXX payment was received BEFORE XX/XX/XXXX and Lakeview has my payment @ {$3000.00}. MY PAYMENT SHOULD HAVE NEVER EVER EVER BEEN {$3000.00}. The shortage was paid in-full under the terms that Lakeview provided to me. I have been calling, writing, speaking to Lakeview and no one is willing to assist me. Lakeview is not handling my payments correctly. I have lost all trust in Lakeview. I spoke to supervisor XXXX # XXXX on XX/XX/2020 and she promised me a call back and to get the problem resolved. Liar. I spoke to supervisor XXXX # XXXX on XX/XX/2020 ; promised to correct this problem and also a call back. Liar! I work hard. I pay extra every single month on my mortgage. Lakeview is not distributing my money correctly. Im disgusted with their complete and blatant disregard of respect and customer service. | ||||||
| 07/03/2020 | Yes |
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| XX/XX/2020 - We closed escrow for our home. XX/XX/2020 - Received first mortgage payment notice from escrow company for the amount of {$2100.00} due on XXXX XXXX payable to XXXX ( Loan # XXXX ) XX/XX/2020 - Received letter from XXXX indicating that our mortgage was sold and effective XX/XX/XXXX payment should be sent to XXXX XXXX for Lakeview Loan servicing LLC. XX/XX/2020 - Sent XXXX payment via XXXX online payment to XXXX ( Check # XXXX ) XX/XX/2020 - Received letter ( dated XX/XX/2020 ) form Lakeview loan servicing LLC notifying us that they are the new loan servicing company and the payment for XX/XX/2020, must be sent to them!???? XX/XX/2020 - Payment forXX/XX/2020was sent payable to Lakeview loan servicing LLC ( Trace # XXXX ) XX/XX/2020 - Payment for XX/XX/2020 was sent payable to Lakeview loan servicing LLC ( Trace # XXXX ) XX/XX/2020 to XX/XX/2020 - Received daily harassing calls from lakeview loan servicing LLC for late payment. I called several times explaining their mistake with no results. They have applied my XXXX payment to XXXX, XXXX payment to XXXX. XX/XX/2020 - Just mailed XX/XX/2020 payment to Lakeview loan servicing LLC. ( Check # XXXX ) I have never been late on any payment and now I am considered one month late! IT IS VERY UNFAIR THAT I HAVE BEEN WITHOUT WORK OR INCOME SINCE XX/XX/2020 AND HAVE TO CHOOSE BETWEEN GROCERIES FOR MY FAMILY AND MAKING AN EXTRA MORTGAGE PAYMENT BECAUSE THESE TWO LOAN SERVICING COMPANIES HAVE MADE AN ERROR. PLEASE HELP! | ||||||
| 02/07/2020 | Yes |
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| I closed on a refi on XX/XX/2020. My previous servicer was supposed to issue my escrow refund check within 10 business days. I called in on the 12th business day ( Monday - XX/XX/2020 ) and found out they had not issued the check for my escrow refund ( the amount was about {$3000.00} ). I asked them to issue the check that day, they said they would. I asked them to overnight the check to me because they were late issuing the check and wanted to the money timely and securely. They refused. One Friday ( XX/XX/2020 ) I had not received the check. I called the servicer back and asked about the check. They told me had been issued and sent on Monday. I told them i had not received the check as of yet and that seemed odd ( 5 business days to receive a letter ). I asked them to cancel and reissue the check and send it overnight mail. The servicer refused. They said I had to wait 10 business days before they could cancel and reissue, and that when they did, they would not ( absolutely refused ) to send the check overnight or with a tracking number. The person that gave me this information was named XXXX ( agent # XXXX ), she claimed to be a manager - i asked to speak to manager twice and was first transfer ( after 15 min ) to a non-manager ( XXXX ), and then put back on hold to speak to a manager ( 15 min later ). After speaking to XXXX I asked to speak to a manager and was told they were not available but that I would get a call back. I have not received that call. | ||||||
| 08/26/2019 | Yes |
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| I was in the process of refinancing my mortgage to lessen years of payment and drop PMI. My existing servicer, Lakeview, began sending me mail to refinance with them and it would be an easier process and they would beat any deal out there. I had a pending refi application that was due to expire on XX/XX/2019. I decided to call Lakeview and see what they could do. On XX/XX/2019 I was assured I made the right decision to call Lakeview by a customer service representative. We worked up a great sounding loan over the phone as far as details went. He said I will get back to you in 24 hours to get additional information. I never heard from XXXX, instead I heard via mail a week later that my credit application was denied due to an incomplete application. In the meantime, XXXX did not respond to several emails from me. I called then on XX/XX/19 and was handed off by the first customer service rep to XXXX 's voicemail which hadn't helped me earlier that day when I called and left a voicemail. So I called back and go another rep he gave me XXXX 's manager 's number and I was told I should hear back within 24 hours, XXXX the manager is really good at getting back to people. Now it's Monday the XXXX and i feel this was all a ploy to get my application to expire with the other bank. I'm out of that refi application now and XXXX continues to not return any calls or emails yet has denied me based on an incomplete credit application? I'm not sure what is going on but this is unacceptable. | ||||||
| 11/30/2023 | Yes |
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Web | Servicemember |
| Back in XXXX of XXXX my wife and I got XXXX XXXX XXXX XXXX XXXX. We were out of work for a long time. We got a XXXX forbearance. Then after that, in XXXX of XXXX we received a VA XXXX modification. It brought our 5.25 % interest rate up to a 6 %, it extended the life of our loan, it tacked on the amount that was accumulated from the XXXX forbearance to the back end of our loan, and it brought our monthly payment of {$1700.00} to {$1400.00}. We signed the contract and XXXX XXXX XXXX confirmed they received it and there was nothing else for us to do. We got transferred to Lakeview LoanCare in XX/XX/XXXX and now they are saying XXXX XXXX never signed the contract and we are being referred to foreclosure. Weve paid {$1400.00} every month on time since XXXX. Every time ive called XXXX, they say they need time to process the paperwork and that im protected and wont go into foreclosure. We have XXXX XXXX children, we cant afford to be homeless. XXXX has confirmed multiple times that theyve received the VA Loan Modification paperwork and that they escalated the claim but nothing ever comes out of it. Then XXXX said XXXX XXXX never signed the VA Loan Modification. Which isnt my fault. We followed up and did everything to ensure it was all okay. I call every month multiple times and I get the same answer. Then I got something in the mail that stated if we didnt pay {$950.00} more on top of our normal payment within 10 days, our house would go into foreclosure. I am so frustrated. | ||||||
| 03/17/2020 | Yes |
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| *Email from XXXX XXXX to XXXX on XX/XX/XXXX* My name is XXXX XXXX , previous XXXX customer Loan # XXXX. XXXX XXXX XXXX XXXX, TX XXXX My Loan has been transferred to another servicer. I am writing to dispute the negative credit reported to the Credit Bureau on my account. Due to the Hurricane Harvey disaster, I was placed on a forebearance forgiveness plan with XXXX and should not have reported negatively on my credit. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- *Email from XXXX to XXXX XXXX on XX/XX/XXXX* Dear Valued Customer, XXXX has generated a support ticket to help us track your inquiry. Your ticket code is XXXX Please use this code in any further communication. Please see attached document that states " Please be advised we have removed the delinquent reporting from your credit bureau report to reflect current, transferred XX/XX/XXXX '' XXXX Customer Support XXXX XXXX XXXX XXXX XXXX, VA XXXX -- -- -- -- -- -- -- -- - I also submitted a dispute with XXXX on XX/XX/XXXX and received a decision from XXXX on XX/XX/XXXX stating the following : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' ****Please removed the delinquent reporting from my credit score as a result of the forbearance forgiveness from Hurricane Harvey Disaster for all months from XX/XX/XXXX to XX/XX/XXXXXXXX I also have an active dispute with XXXX. | ||||||
| 11/16/2021 | Yes |
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| Refund Request To whom it may concern, I closed on my refinance on XXXX the funds to payoff Lakeview were wired and received on XXXX. Please see the attached confirmation from XXXX XXXX to confirm when the wire was received. The XXXX payment was included in the payoff on XXXX that you received. I received a letter from Lakeview stating that I needed to make a payment or Lakeview would report to my credit. Therefore, on XXXX I made the payment. After speaking to my current lender, they advised that I did not need to make that payment as it was in the payoff that they sent to Lakeview on XXXX. With this being said, I need for you to send me my full payment I sent in error on XXXX. I was told by a representative, XXXX, that I needed to write a letter and also include the proof that you had the wire 2 full business days prior to XX/XX/XXXX and therefore you would not need any additional funds from me. XXXX, also stated that Lakeview did not receive the payoff until XXXX, this is inaccurate as you can see with this attachment. I am NOT responsible for the delay in which XXXX XXXX receives funds and then moves it over to the payoff department. This is something that your company will need to handle on your side. I expect a full refund for what was paid in XXXX as my overpayment. I have a Ledger Report showing it was paid on XX/XX/2021 which is 2 days prior to the end of month. I can show proof at a later time as there is to much private information on it to share here. | ||||||
| 12/01/2022 | Yes |
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| Over a year ago I requested a removal of PMI it had been 2 years since I had started mortgage. They said home did not meet the amount needed to do so. That was false. So I waited a year and on their site the house evaluation showed a increase from $ XXXX to $ XXXX which was a little low but good enough when my balance was only $ XXXX. So I request removal of PMI again. They told me my payments needed to be verified and my Credit again I said ok. My credit is perfect with a score of 780- to 800 from all 3 Credit Bureaus XXXX Then they stalled again. I got a letter saying my house did not meet the financial requirements which was over a 100 % to value. They then said I needed a bop or an appraisal I said I would prefer and Appraisal do not do a BOP. 2 weeks later I got an email saying a BOP would be cheaper. I said no I already told you a Appraisal. I asked how much. The rep told me {$350.00} I said ok take that payment. I was put on hold then she came back and told me {$420.00} I said oh well Ok They took the payment for {$420.00} on XX/XX/XXXX XXXX then 2 weeks went by. Then in e mail I was told It would be {$600.00}. then another week went by and now I am being told an additional {$170.00}. I have this all on my emails and the payment taken on XX/XX/2022 from my bank. This is a 2 year run around and stall to remove something that qualified from the very first request. This mortgage company is trying to take advantage of me and my Family. Loancare servicing LLC | ||||||
| 04/09/2021 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, I was informed by Lakeview loan company that I had not been making payments which was incorrect. I informed them that I had been making payments and had bank documentation to show where I made the payment, and they sent it back to my account as a refunds taking i had no account with them. I sent in all documentation and created a case. The response I received from lakeview was to make payments payable to lakeview loan, which we had been doing. I attempted again to make a payment in XX/XX/XXXX. The payment was rejected stating no account can be found. I have attempted to make several phone calls to the company and could never get through to anyone. I have attempted to email the company again in regards of my account. The companies response was I'm behind on payments and need to correct the issue. I Continued to try to make payments and they were getting rejected saying account not found. My last accepted payment was XXXX of XXXX. XX/XX/XXXX through XX/XX/XXXX I was not able to make payments due to being out of work. I again contacted lakeview loan on XX/XX/XXXX attempting to correct the account issue. I am now being told my loan is in the process of foreclosure and that I would need to make 15 payments out of 16 to stop the process. I tried to explain the matter to them that I had brought up this issue a year ago I asked if there was a payment method we can try to work out, or anything to correct the issue. They were not willing to work with me | ||||||
| 12/04/2019 | Yes |
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Web | |
| Since origination my loan has been sold to multiple mortgage servicing companies. I don't like the fact I have no control over this but I understand that's just the way it is. I've had a few issues here and there with some servicers but nothing like my experience with Lakeview Loan Servicing. From the very beginning they have made errors and mistakes processing simple payments. I have had to contact them on a least 5 different occasions generally taking several calls for each issue. They like to give you the run around. " Email this here '', " call this number '', " We will call you back with a resolution '', " We will get it fixed '' then don't. The biggest problem has been my escrow account. They have messed that up 3 times now. I pay a shortage, on-time, they apply it to my principal. They fix the misapplication but don't re-adjust the payment correctly. They also don't re-figure the additional interest I was charged because of their mistake. This time it has been a 6 month process with multiple calls. Also being lied to by a very rude and unprofessional manager named XXXX. The issue is still not resolved. I've just had it. All I do is make my payments on time every month and respond accordingly and on time when something like a shortage comes up. It's so frustrating and I don't trust them to do anything right and feel like I constantly need to keep them in check or make sure they don't XXXX something up again. 0 % confidence in this servicer, zero! | ||||||
| 11/06/2022 | Yes |
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Web | Servicemember |
| ISSUE # XXXX : In XX/XX/2022, my loan was sold by XXXXXXXX XXXX XXXX XXXX XXXX / XXXX. The XXXX payment was auto-debited from my bank account by XXXXXXXX XXXX They took their sweet time transferring that money to evil XXXX XXXX / XXXX. When evil XXXX XXXX / XXXX received that money in XX/XX/2022, they said it was all my fault! They reported me to the credit agencies and charged me an outrageous late fee of {$180.00}. I WANT THAT REMOVED FROM MY CREDIT AND THE MONEY RETURNED! If anyone should pay a late fee, it should be XXXX XXXX for taking their sweet time transferring the money. ISSUE # XXXX : In XX/XX/2022, I was hit with another late fee of {$180.00} in spite of making my normal payment! Apparently, evil XXXX XXXX / XXXX screwed up big time. They did an escrow analysis which they admitted was wrong. So, I kept making my usual payment. But their frame of reference was the incorrect escrow analysis. So, they felt my usual payment was short ~ {$200.00}. So they hit me with a bogus late fee of {$180.00} when it was truly their incorrect math, and reported me to the credit agencies! I WANT THAT REMOVED FROM MY CREDIT AND THE MONEY RETURNED! In XX/XX/2022, they did another escrow analysis which I still don't think is correct. How dare they charge me fees for their incorrect calculations while I am continuing to make normal payments? PLEASE SHUT THIS COMPANY DOWN, OR LIMIT THEIR LICENSE AND FINE THEM FOR SCAMMING MILLIONS OF POWERLESS CUSTOMERS LIKE ME, | ||||||
| 09/24/2022 | Yes |
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| My mortgage company has placed purchased insurance coverage on my behalf. The cost of this insurance was passed on to me through as an increase in my monthly mortgage payment. They said : To avoid this increase, you can easily provide us evidence of insurance by uploading your policy. Ive had continuous insurance coverage and called to provide proof of insurance to stop the additional charge that has dramatically increased my auto mortgage payment. They informed me that the only way to do so was via a website. The website has told me every time Ive logged in and tried to load proof that the web said has said Upload temporarily unavailable. I and my insurance provider has called ( after trying to fax the proof of insurance and the fax line failing ) the mortgage provider and the long hold times has led to random impromptu disconnection. The proof of insurance website has never allowed me to load documents though I can log in. My mother is a coborrower and elderly and she does not have consistent access to the technology. My payment has been erroneously and dramatically increased. Auto debited. And no remedy is available to me. I need help, my livelihood is impacted. We cant reach anyone via phone call most of the time. The fax line has not worked when we tried it. The website to load the documents has not worked 100 % of the time that Ive tried. And they are auto debiting my account for more than the amount I agreed to when I signed up for autopay. | ||||||
| 06/15/2021 | Yes |
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| my husband and I had an agreement with XXXX ( now XXXX ) : Forbearance on our mortgage for the year of XXXX due to financial hardships b/c of covid 19. our Forbearance agreement started in XX/XX/XXXX XXXX XXXX our payments made during the year ( {$3500.00} ) was not deducted from our principal or or forbearance balance, or escrow. They ruined our credit with the credit bureau and reported over 12 late payments during covid 19 and while we were in forbearance. They also did not deduct the months of payments that were made during covid 19 about {$3500.00} of payments that were made were not deducted from our mortgage or interest/escrow. My husband and I can not get loancare on the phone. lakeview loan servicing has bought out XXXX and they will not respond. Experian has tried to help resolve the issue and nothing has been done since we closed on our house XX/XX/XXXX. Experian has proof of the payment from my husbands bank account proving the {$3500.00} of payments made during the year of XXXX. please help us as we can not get another loan for a house b/c of what loancare ( now lakeview ) has done to our credit and it is an awful situation, we feel we are scammed and we are stuck and can't purchase a house b/c loancare was dishonest and has destroyed our financial reputation. we have paid our balance in full since XX/XX/XXXX. we feel cheated. we feel lied to and stolen from and now our reputation is destroyed, i was denied many morgage loans b/c of it. | ||||||
| 03/28/2019 | Yes |
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| In 2017 I was having trouble making my mortgage payments due to a job change - I was making less money than before. I was behind on payments and the company suggested loss mitigation. At the time my loan balance was {$110000.00}. My monthly payment was {$1000.00}. After several phone calls ( it is never easy to get ahold of anyone at this company ) I was able to complete the paperwork and submit it. When I got the " refinance '' back my payments were actually higher than before and they charged me approx {$5000.00} in fees so now my balance was {$120000.00}. I told them that the loss mitigation was not helpful at all but they said if I didn't do it I would be foreclosed on. I either had to come up with the past due balance ( which was now a few months behind ) or face foreclosure. I was never told at anytime that my payments would be more or that my balance would increase. I thought this was supposed to help me. Since then I've been struggling to keep up. They are never helpful or friendly to work with. It's difficult to see where my payments are being applied. They charge me for insurance when I already have my own and send out someone to inspect my house and charge me for it. However the person reports my house is abandoned. My partner was home when he came and he didn't knock or ring the doorbell and we had both cars in the driveway. Hardly abandoned! I'm tired of this mortgage company taking advantage of me. Surely what they are doing can't be legal. | ||||||
| 01/28/2018 | Yes |
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| I have asked multiple times for an explanation of " corporate advances '' on my account with XXXX XXXX XXXX. We filed for a Chapter XXXX bankruptcy in XX/XX/XXXX when my husband lost his XXXX job due to a store closing and was unable to find work at the XXXX level again - resulting in a loss of about 60 % of his pay. After this we received no further statements of any activity on our account beyond the annual XXXX required by the IRS. We modified our loan thru HAMP during our bankruptcy when my husband was diagosed with XXXX. I have never been given any information on where the amounts on the two notes was calculated despite asking. When the account servicer for XXXX - XXXX was was changed to XXXX, I was shocked to see over {$4000.00} in " corporate advances '' on the history of the account. I asked XXXX for an explantation/history of these amounts and was told the former service company- XXXX would have to explain these as they only had the basic information. I have asked XXXX repeatedly for this information. I have contacted XXXX XXXX XXXX directly for this information and have had no response. I have gone so far as to email the CEO of XXXX - no response. This year - I received the XXXX statement from XXXX for XX/XX/XXXX - they are reporting no MPI on my loan for the entire time they have had my loan, but my record of payments show monthly payments being made. All I am seeking is an honest answer on all my questions regarding these questions. | ||||||
| 11/06/2020 | Yes |
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| I began the refinancing process with Lake View Loan XXXX XXXX 2020. I have been displaced from one processor to another, totaling two as of today. I received an initial email from my 2nd loan agent on XXXX/XXXX/2020. I sent a status email to her on XX/XX/XXXX. I placed multiple emails and voicemails, when after several weeks of no return calls or responsive emails. ( Dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) I finally received a call that due to an audit, things had been delayed, no such knowledge of this in the weeks prior. The agent informed me that she would do better with communication. I was not confident in the company at this point but proceeded. We agreed on a closing date of XXXX/XXXX/20, with the closing disclosure set to be sent to me within 2-3 business days. To date, it has been 7 business days with no disclosures. I have left 2 voicemails and sent another 3 emails requesting status updates, as the date is fast approaching. ( Dates : XXXX, XXXX & XXXX ). No return call, or email. I find this to be very disheartening and unprofessional, as I have returned documents and responded to their requests for documents in a timely fashion. I do not intend to continue business with this company, as it is clear, they do not value their consumers, time or exercise good time management. This company is by far the worse mortgage company I have encountered. As a recent first time home buyer, I am saddened that they cheapened my experience. | ||||||
| 05/17/2020 | Yes |
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| On XXXX the loan company Lakeview Loan Servicing , LLC paid taxes incorrectly in the amount of {$8400.00} when the taxes were actually approximately {$1800.00}. Based on this mistake by the company, they recalculated and raised the payment by {$600.00} per month which we do not owe and can not afford. They started robo calling and calling and sending letters every day. We called and e-mailed but they keep saying that {$1600.00} is owed every month when the payment was only {$1000.00} and it is their mistake. They have not redone their escrow analysis based on their mistake. We did have a check written on a closed checking account by accident and wrote a new one when we became aware of the mistake.The original check written on the wrong account was in XXXX and paid with the XX/XX/XXXX payment. XXXX for payment and {$500.00} for the check written on the wrong account. Lake View has been applying the payments of {$1000.00} to the previous payments with the extra escrow amount. So, we have paid all that should be due and Lake View is not working with us to correct the issue that they created. Five months later, we have received another letter threatening our credit and now saying they will not accept anything but the full amount. Please assist us with this problem. I XXXX XXXX XXXX over the road and this has created an enormous amount of stress for me and my family on top of the Coronavirus stress and XXXX of my youngest child in XXXX during this. | ||||||
| 11/28/2023 | Yes |
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| Several weeks ago I went to pay my mortgage through XXXX. The online system was down so I called the phone number, they told me " there was an incident '' and their system would be back the following day. It was not, so I waited a few days and tried again. Online was still down, so I called the number. I was met with a recording that said their customer service and billing departments were not available until a cyber attack situation was resolved and only incident response was available. Speaking to the incident response team, I was told they are not able to take any payments. Its now been a couple of weeks, and online payments is unavailable, calling to make a payment they tell me they can not accept any payments at this time. I told them I have 2 days left till I am late, and I need to make a payment, and they said they could not help me and that I would owe late fees if I was late. I told them I am trying to pay my mortgage, and they have no way to take my payment why would I have to pay a late fee and take a hit on my credit. I was told this was my problem not theirs, and they would accept a payment if they could, but they can not. So I will have to deal with the repercussions because they are hacked and can not accept payments? I do not understand how this is legal. I just want to pay my bill, and they will not let me because they are hacked?? I have to pay fines because they cant take my payment? This is not OK, it should not be legal. | ||||||
| 05/28/2020 | Yes |
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| Lakeview Loan Servicing In XXXX, after dealing with them since XXXX, stated that they would not sign a security interest document ( I did not need a partial release ) until one year of payment citing " guidelines '' ( after they agreed to sign this document several times, passing me to several different departments and citing excuses ranging from lost notary stamp, manager not in, needing my trust, etc etc ) in order to get my one parcel split into 3. I then paid off my loan, in full, on XX/XX/XXXX. They have acknowledge the payment, I have received a letter saying it was paid, received my refund for overpayment, but have not received the reconveyence ( Lien release ). Each time I call, a manger gives me a different time frame. I have called at least once a week since XX/XX/XXXX. I was told 2 weeks, 45 days, that it was mailed XX/XX/XXXX, then mailed XX/XX/XXXX. Now I'm being told that to process the lien release will take up to 120 days. At this point, my map expires XX/XX/XXXX. Due to the 9 months of inaccurate info, I will not only have damages in excess of 10K for the map, but also two cancelled escrow in excessive of 300k as well as the penalty of taking the money out of retirement to pay off the home. I was originally told that once I paid the home off, I would get the release in 2 weeks. The inaccurate information they are giving clients is atrocious. I have emails and have logged the dates of my calls if further info is needed. | ||||||
| 03/25/2019 | Yes |
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| On XX/XX/XXXX, I tried to log into my www.myloancare.com to pay my XXXX mortgage payment. That entire week ( XXXX ) the website said my password wasn't working and that it would email me a temporary password. Those emails never came, I was stuck. I called their customer service # and input my ssn & zip code as instructed. Then a message came on to call between XXXX and XXXX ( which I was ) and then it would hang up on me. I had been trying all last week to get logged in to the website too ( XX/XX/XXXX - XX/XX/XXXX ). There was nothing I could do! After being frustrated and getting a Payment Reminder Notice from them in the mail today ( XX/XX/XXXX ). I tried to log on to the website again. And today, it worked! With my original password & ID that hadn't worked for the last 2 weeks. I was able to finally make my XXXX mortgage payment today. I still can not get anyone on the phone and I've tried several times to send an email on their website. The website email open a blank window that never loads. They are charging me {$63.00} in a late fee that was not my fault! I want that late fee refunded. They really should be paying me for the extra time I spent trying to make my mortgage payment for the last 2 weeks!!!! I want to switch my servicer. Please help me get a refund and get a new servicer. I also want to discuss getting my FHA Mortgage Insurance canceled as my home to loan ratio is now about 75 % but I can not get in touch with anyone. | ||||||
| 10/19/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX requested from XXXX XXXX to end of the XXXX Forbearance on or about XX/XX/2023. XXXX XXXX received a correspondence dated XX/XX/2023 from XXXX XXXX outlining the Current Payment and Terms of which they contend includes a Partial Claim Amount of {$77000.00}. This is incorrect, there is no partial claim. Additionally, instead of assisting the consumer with modified terms that are rational in nature [ and non-predatory ], they instead are selecting to put consumers in a predicament that puts them further in debt and worse, puts their homes at risk of foreclosure. This is evident in the Estimated Modified Payment and Terms that XXXX XXXX is proposing on the letter : i. Increase interest rate from 3.125 % to 8.000 % ii. Change remaining terms from 360 to 480 months iii. Change total monthly payment amount from {$1300.00} to {$1900.00} The amount in arrears as of XX/XX/2023 is {$5000.00}. XXXX XXXX instead of rationally deciding to place this arrears amount to the end of the loan, they choose predatory practices by extending loan term 10 years and changing interest rate to more than market rates for a primary home. In addition, XXXX XXXX and the loan servicer, Lakeview Loan Servicing , LLC. are failing to adhere to SCRA Protection as a member of the military. XXXX XXXX asks the Consumer Finance Protection Bureau and the Office of the Comptroller to thoroughly review of the above-named mortgage servicers lending practices. Thank you. | ||||||
| 08/05/2020 | Yes |
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| On Tuesday, XX/XX/2020 I logged onto the website of Lakeview Loan Servicing ( https : //lakeviewloanservicing.myloancare.com ) with the intention of finally paying off my mortgage. I filled out the required form, submitted it, and was met with the error : " Error Sending PayOffStatement Email ''. Immediately afterwards I called the customer service at XXXX. I waited for a while and was told that there was no representatives available, and the call was ended. I called again the following day, and again was not able to talk to a representative - this time I was sent through a loop of menu items that gave me no option of talking to a representative. I tried calling other numbers for Lakeview Loan Servicing listed online : none of them responded, and all of them had the voicemails full so I could leave no message. Finally, I tried to email them through " secure email portal '' and received no response. Because the email was sent through their portal and they did not send me a confirmation email after submitting my email through their portal, I have no record that it was sent. Since then I have continued trying to call Lakeview without any kind of response. Now it has been two months that I have been trying to payoff my mortgage to no avail, and have had to pay my regular monthly payment WITH interest. This unresponsive customer service is unacceptable, especially for a company overseeing something so important as the mortgage for my home. | ||||||
| 08/18/2020 | Yes |
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Web | Servicemember |
| Our Mortgage payment of {$2000.00} was auto drafted from our checking account on XX/XX/XXXX. On XX/XX/XXXX Lakeview Loan Servicing mistakenly marked the payment as Bad Check Reversal. We contacted their Customer Service department as soon as this came to our attention on XX/XX/XXXX. We were told that our bank needed to submit a transmittal of the ACH transfer to prove it cleared our account. This document was submitted via fax on XX/XX/XXXX, however on XX/XX/XXXX the loan company claimed to have not received anything. We contacted our bank and a representative sent a printout of the ACH transfer via email along with a statement that no funds were stopped or returned to our account As of XXXX our mortgage account online still showed the payment marked as insufficient funds. We contacted Customer Service again and were told that the document sent was not what they needed. Our bank then provided a full page transmittal form on XXXX. .As of today 's date XX/XX/XXXX they continue to show a missing payment and have done nothing to resolve our issue. We made our XXXX payment on time and the loan servicer applied it to the XXXX payment they lost, marked our XXXX payment as late and have reported the late payment to the credit reporting bureaus. They have also charged late fees against our account.At this point, we don't seem to have any further recourse. Any assistance your agency can provide to resolve this issue will be greatly appreciated. | ||||||
| 09/16/2017 | Yes |
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| My family has been devastated by XXXX XXXX. Thankfully our home is still liveable, but we have a lot of damage! My hurricane deductable is {$4500.00}! I have XXXX kids, XXXX of them are XXXX XXXX. I do n't have {$4500.00} to shell out! So, I heard mortgage companies were giving a break to people in Florida, so I called my servicer, my loan care ( aka Lakeview ) to see if they also would give me 3 months with no payments and put it to the end of my loan. Unfortunately, my loan servicer must be looking to put people in financial binds and foreclose on their properties, as they made the deal sound great of no payments for 3 months. I am a loan originator so I asked a lot of questions, only to find out that I would owe 4 payments in XX/XX/XXXX and if you ca n't pay it then, a 30, 60 and 90 day late goes on your credit. They found a way around the law to " help people. '' What kind of help is that? It actually seems like they are taking advantage of these poor people who could have lost everything! It 's also ashame that since I have an FHA loan ( a federal government product ), that I get even less help! As the agent at my servicer so greatly explained to me. Bottom line is, this is a disgrace! Not only are people going through enough from the storm, the people who chose to do this are now going to fall into financial hardships from this in XX/XX/XXXX. I am sure that many foreclosures will occur now in Florida and Texas early next year! | ||||||
| 10/13/2019 | Yes |
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| Effective XX/XX/2019 my loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. When I received no documentation from XXXX XXXX XXXX I was provided their information via XXXX XXXX XXXX. I called to inquire how to make my first payment and I was directed to the website where I registered and successfully made my payment on XX/XX/19. I attempted to make my payment today XX/XX/19 and their website reflects my account as past due. They have the payment due as XX/XX/19 and as such flagged it as past due. Because of the account disposition I am unable to do an auto draft and when I try to make the payment online they are trying to charge me a {$10.00} payment fee. I called customer service, which was closed. The automated system allowed the option to pay for a {$12.00} fee. My account is not past due as they have reflected as of today 's date ( XX/XX/19 ) under the terms of my mortgage " If your payment is more than 15 days late, your lender will charge a late fee of 5 % of the overdue monthly principal and interest payment. '' I have yet to receive any documents, statements, nothing from this lender. I believe it is a deceptive practice to lock an account as past due in order to charge a processing fee. Florida statute is clear about the " late fee '', but this lender is intentionally bypassing that by prematurely locking down the account as past due in order to charge a " processing fee '' - this is deceptive and fraudulent. | ||||||
| 09/15/2023 | Yes |
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Web | Servicemember |
| I had received a escrow review statement on XX/XX/XXXX because there was a surplus in my escrow account for XXXX. I had received a check from the company for this refund amount. I had previously gotten approved for a veteran tax exemption so i assumed that my escrow information had gotten updated because of this. The statement showed that on XX/XX/XXXX my new monthly mortgage payment is XXXX and in the breakdown of the charges that the XXXX XXXX ( taxes and insurance ) would now be XXXX. On XXXX XXXX i had received a new statement saying that my escrow balance is XXXX. I had called on two different times to try and get an explanation and from what i understand is that no matter if i paid this difference by XX/XX/XXXX when my next escrow analysis is conducted, that there would always be a negative balance. Why is the XXXX thats being took out for the taxes and insurance not being applied to the escrow? Also since its recorded that i have a XXXX XXXX tax exemption, why would i have to pay out extra every year for the escrow? Every other month there seems to be some issue with this company and i believe Im paying out extra money for nothing. How can i go from having a surplus in escrow account, to being in the negatives? I am unsatisfied with the inconsistent information from this company and the charges for escrow. Every since my mortgage was sold to this company there have always been financial mistakes on the company behalf. | ||||||
| 01/30/2020 | Yes |
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| My home mortgage was sold to Lakeview Loan Servicing LLC. I received an initial notification letter and request for home insurance information in XXXX, and a statement in XXXX. I did not receive an XXXX or XXXX statement despite many calls to rectify this lapse once I realized what was happening and was being charged a late fee. The late fee was waived after a call, but the statements are still very erratic in arriving before the date in which I would incur a late fee and often do not arrive at all. I have called multiple times and have sent a certified letter requesting all my correspondence to be sent via US mail. Recently, I called and spoke to a supervisor, XXXX XXXX, who informed me that my file was correct and that the statements are going out. I have spoken with the postal service on different occasions and have been monitoring the mail coming into the XXXX hub. My XXXX statement still has not arrived and is due on XX/XX/XXXX. I have asked to have the mail tracked as the postal service suggested but Lakeview will not do this. I am not having difficulty with the delivery of other mail. I believe this to be a problem with the loan servicing company and request assistance with getting regular monthly statements in a timely fashion ( before the payment is due ) by US mail. I do not want online statements and feel that they are trying to force into this because on every call they try to get me to take my statements online. | ||||||
| 10/28/2019 | Yes |
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| I am having an issue with Lakeview Loan Services LLC Subservicing by XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Loan Number XXXX XXXX XXXXXXXX The aforementioned has been giving me a difficult time removing the Monthly Premium ( PMI ) I am being charge. Per form HUD-92900-B it basically states that after 5 years, providing you paid and upfront insurance premium ( I did ) and your loan to value reaches 78 percent of initial sales price or APPRAISED Value of your home, which ever was lower, should allow me to request the removal of the monthly insurance premium. In XXXX of XXXX I was told by a representative of XXXX XXXX that I had to use one of their appraisers. I was also told to send in a written request for removal of PMI which I have in my sent file. I have since made multiple request for a list of their Appraisers. Now XXXX XXXX whom now handles the servicing on the loan has stated to me that because I have FHA it has to be 78 % loan to value only through normal payments, and that I can not get the property appraised to remove PMI. Each call there is something new. I was told ( by XXXX XXXX ) that I closed on the house in XXXX of XXXX as it relates to refinancing. so from my research that should not be a problem as it was before XX/XX/XXXX. If it was after that date due to regulation changes I may have had problems. I have never been more than 30 days late. I sent a request to remove PMI on XX/XX/XXXX no response. | ||||||
| 06/26/2021 | Yes |
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Web | Servicemember |
| To whom it may concern, I'm with Lakeview loan care. It has been nothing but problems since they bought my loan. For some reason, there is always a payment issue. They failed to pay my 2020 taxes which cause my county to send me a letter requesting money and stating the possibility of adding a lean-to my house. Also, after refinancing my house back in XXXX last year, the closing department kept my escrow money in a separate account collecting interest. For that reason, my escrow accounts hard a shortage and cause Lakeview to plan to raise my mortgage due to no fault of mine. My county returned the tax money back to Lakeview, but they still told me that I have a shortage, after receiving the money back from the tax collector. I strongly believe that Lakeview loan care is careless and not properly taking care of the customer and needs to be audited. My escrow money was missing for 8 months and no one was able to tell me where that money was. Because of the poor service, I had to refinance my home with a new company 8 months later. I believe that I'm in the title for whatever interest that Lakeview accumulated from my escrow account for placing it in a different account and not placing it in my new loan account. I believe this company needs to audit and shut down for trying to take money away from customers. Please and please audit this company. I strongly believe that they are frauding people and I like to get my money back. | ||||||
| 01/26/2019 | Yes |
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| I originated a new 1st mortgage with XXXX XXXX XXXX on XX/XX/XXXX-On my Final CD there was in section H a principal curtailment of {$350.00}. When my loan was sold to Lakeview and transferred there that principal curtailment was never processed and the loan balance reduced. Kept waiting for it to show on XXXX XXXX site but even a year later it never did. I contacted XXXX early XX/XX/XXXX and of course they never forwarded the check-they then did so and it was sent to Lakeview/XXXX XXXX XXXX XXXX on XX/XX/XXXX. Back of check shows XXXX deposit on XX/XX/XXXX-what I later learned was it was applied to a different loan. I have been fighting this for almost 2 years now - have copies of all communications and what I think happened was the loan they might have applied it to was payed off so they have no recourse to get the funds back. This has been an ongoing issue back and forth with them for way too long-not only do they immediately need to apply those funds to the correct account ( mine ) but I think they owe me interest on this one as well-A FINE against them might even be in order as well. At this point I don't even get calls or contacts back and of course their servicing dept. is not showing anything in their system regarding this dispute-it has essentially been swept under the rug and they are probably hoping I will forget about it. I won't and they need a severe smacking from the Consumer Protections Finance Bureau. | ||||||
| 09/23/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I reached out to XXXX XXXX regarding a 30 day late that was reported to my credit for XX/XX/XXXX. At that time, I reported that my loan was transferred on XX/XX/XXXX. I immediately set up auto payments, which meant at that time I had autopayments for both XXXX and XXXX XXXX, but neither took the XXXX payment. The autopayment was made through XXXX XXXX for the XXXX payment, so I felt confident that it was set up right. On XXXX I received notice that my credit report said that there was a late payment. I logged in to XXXX XXXX and it said that my XXXX, XXXX, and XXXX payments had not been taken. I immediately paid them and called. They informed me that since the XXXX payment was missed ( even though I had 2 autopays set up at 2 different companies ) they cancelled the autopay ( and did not notify me ). They apologized profusely and made the correction to my credit. On XX/XX/XXXX I received notification that XXXX XXXX had now reported a 60 day late for XXXX. On XX/XX/XXXX, I called the XXXX XXXX Customer Service number and was told by the representative that she would place the request to have the 60 day late removed. I also never received an update saying that it was in process like I did the first time. I reached out to them again XX/XX/XXXX and was instructed to email at XXXX. I did so on XX/XX/XXXX and got an automated response, but nothing has been done. As of today, XX/XX/XXXX it has not been corrected. | ||||||
| 02/09/2021 | Yes |
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Web | Servicemember |
| My husband and I were exposed to XXXX and were were forced to quarantine for 14 days in XXXX of XXXX, and then actually did get XXXX in XXXX of XXXX. We applied for mortgage forbearance in XX/XX/XXXX through the Cares Act and were approved for 60 days. When we were out of the forbearance period, I applied for reinstatement of normal mortgage payments with the two missed payments to be attached to the end of the loan. We have significant equity in our home that we have lived in for almost 8 years, and my husband and I both have excellent credit, so there was no reason this should not have been approved. The mortgage company, Lakeview Loan Servicing, instead created an entirely new loan for us with the same interest rate, but of course a new amortization schedule, which will cost us XXXX of dollars in the long-run due to more of our payments going to interest versus principal for the next several years. The customer service rep I spoke to said that this is the only option for VA loans. This is ridiculous and was never explained to us when we applied for forbearance. This is a very sad situation that this mortgage company would treat military veterans this way, and the worst part is that most people would not realize the financial impact the new amortization schedule has and would have no idea that this was a bad thing. In my opinion, this is an unfair business practice and the company should be investigated as such. | ||||||
| 05/30/2021 | Yes |
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Web | Older American |
| In XXXX of XXXX Lakeview Lan Servicing LLC ( subservicing by XXXX ) contacted us and stated we had not made our XX/XX/2021 mortgage payment. We submitted proof the payment was made electronically by our local bank, XXXX XXXX XXXX. XXXX later sent us a letter telling us it was their mistake. XXXX sent us an email around XX/XX/2021, stating they had not received the XX/XX/2021 payment. I called and spoke with XXXX and XXXX on XX/XX/2021, and told them our bank, XXXX XXXX XXXX, had electronically paid them on XX/XX/2021. So the XX/XX/2021 payment was made a day EARLY. I later confirmed that by contacting XXXX XXXX XXXX. Yesterday, ( Saturday XX/XX/2021 ) we received a letter from XXXX stating we had not made the XX/XX/2021, mortgage payment. They assessed a late fee of {$22.00} and stated we had not made the XX/XX/2021 payment. We have been paying XXXX the exact same way since the inception of the loan, ( about five years ) which is through a bill pay service with XXXX XXXX XXXX. The payments have been sent automatically since the inception of the loan. XXXX is claiming they have not received the payment for XX/XX/2021. I checked our XXXX XXXX XXXX account on line and the payment was debited from our account on XX/XX/2021. So it was paid early. Our account number with XXXX is : XXXX My phone number is : ( XXXX ) XXXX LoanCare phone number is : XXXX XXXX address is : XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX | ||||||
| 12/11/2023 | Yes |
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| On XX/XX/XXXX, during the application process for a HELOC, we learned that a duplicate lien was incorrectly filed when we originally purchased our home in XX/XX/XXXX, which blocks the application for our HELOC. Multiple calls and emails since that time have generated zero action. We are unable to actually speak to anyone at the mortgage company ( only the service provider ) and multiple emails and requests for an authorization form required to remove the duplicate lien have been met with wrong directions. Multiple calls to XXXX XXXX Lakeview have resulted in nothing less than rabbit trails and misinformation at a level that is dumbfounding. Added delays due to systems being down have only compounded the situation. Almost two weeks ago, someone at XXXX informed me that the file was sent to XXXX, the original mortgage company. I have been trying to get through to them, to also get the same message that their systems are down. Out of desperation this morning, I connected with someone at ( what I thought ) was XXXX, only to discover two transfers later that I was actually talking to someone at XXXX. I was never given the actual number to XXXX. Today, I essentially had to start the process from scratch, sending another email with all of the documentation, case numbers, etc. I am waiting for an authorization form that I need to sign that will release the duplicate lien. Nothing has been mailed or emailed to me. | ||||||
| 06/13/2023 | Yes |
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| My mortgage was transferred from XXXX to Lakeview several months ago. Now, all of a sudden, after I am no longer employed Lakeview starts tacking on additional fees that they claim came from the previous company. If that is so, why wait so long to add the fees to the account. The representative that I spoke with on XX/XX/XXXX did not even know what it was. She had to research & try to make it be my responsibility to research it. How is it my responsibility when it was not my responsibility when the loan was transferred. I was not asked my opinion then, but thats neither here nor there. It seems unfair & deceptive a violation of UDAAP fir them to just decide to tack on additional fees after months of me paying my loan with them. The representative advised that the fees are not hurting me, but they are if I am getting charged interest. Furthermore, their automated system is also misleading. I processed my regular monthly payment on XX/XX/XXXX. The automated system told me when they had received my last payment & what I was due for XXXX. I call back today after processing the payment on XX/XX/XXXX which should have gone for XXXX, only to find out that I still owe for XXXX. The young lady today XXXX, advised that my previous payment went toward principal only, which I did not advise, neither did their system advise or the previous representative that I spoke with on XX/XX/XXXX. It just seems does not seem right. | ||||||
| 10/30/2023 | Yes |
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| XX/XX/XXXX On XX/XX/XXXX, I purchased my home and took out a mortgage with XXXX XXXX XXXX XXXX for {$250000.00}. XXXX XX/XX/XXXX was eventually taken over by Lakeview, XXXX XXXX. My original mortgage rate was 3.25 %. The mortgage was an ARM which recalculates after ten years based on the LIBOR rate as posted in the XXXX XXXX XXXX. On XX/XX/XXXX, the rate adjusted to 6.25 %. On XX/XX/XXXX, I received a letter from XXXX XXXX that my loan adjustment will now be based on the one-year SOFR rate. XXXX XXXX states that my new loan interest rate will be 8.25 %. This is calculated by adding my margin of 2.25 % to the XXXX rate of XXXX which was the rate on XX/XX/XXXX. XXXX XXXX used a SOFR rate posted by XXXX, not the rate posted by the XXXX XXXX XXXX or the Federal Reserve. The SOFR rate posted by the XXXX XXXX XXXX was 5.33 %. The SOFR rate posted by the Federal Reserve was XXXX. Using either the rate of the XXXX XXXX XXXX or the Federal Reserve, my new calculated rate should be 7.5 %. I requested a rate adjustment, but XXXX XXXX refused. I am attaching : 1. My original loan document. 2. SOFR rate published by the XXXX XXXX XXXX 3. SOFR rate published by the Federal Reserve XXXX, there is a huge disparity between the rates of the XXXX XXXX XXXX, the Federal Reserve and XXXX. The SOFR rate of the XXXX XXXX XXXX should be used in calculating my mortgage percentage. Thank you for your consideration. XXXX XXXX | ||||||
| 05/21/2019 | Yes |
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| I purchased my home in XXXX of XXXX. I have never made a late payment. In XXXX, my escrow was determined based on my taxes being 6 % as a non-owner occupied. In XXXX of XXXX, a check was mailed from my escrow for my taxes in the amount of {$3700.00}. My taxes were only {$1100.00} because I am only required to pay at a 4 % rate as I do occupy the residence. I sent an email to XXXX XXXX on XX/XX/XXXX regarding the tax issue. XXXX XXXX still has my rate at 6 % and have increased my payment from {$1200.00} to {$1700.00} per month. I have been in contact with XXXX XXXX since XX/XX/XXXX and I am still trying to resolve this issue. I never speak with the same person and they always tell be " it's with the legal team in the escrow department and someone will call you in 2-3 business days ''. They never call back and it's XXXX and still unresolved. The new determined payment amount of {$1700.00} began in XX/XX/XXXX. I spoke with them and they told me to make my normal payment until this was resolved and i did that for XXXX and XXXX. They said they would waive all late fees and stop any credit reporting. they are holding my payments for the past two months in a reserve and not applying them to my account and I am now getting foreclosure notices. They have reported my mortgage to my credit file negatively affecting my credit. I don't know what to do as it's been 5 months of me trying to resolve this. Please help me. | ||||||
| 07/23/2022 | Yes |
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| XXXX ) Misreporting property tax in XXXX form for XXXX LAKEVIEW LOAN SERVICING misreported my property tax on XXXX form for XXXX. My property tax should be {$11000.00}. but they only reported {$910.00} as property tax and mis-categorize the remaining {$10000.00} as additional assessment. I called their customer service in XX/XX/XXXX to request them to correct this error for me. They acknowledged this error and promised to correct it within XXXX business days but no update has been made after XXXX month. XXXX ) Overcharge escrow account. Due to their accounting error, they doubled my property tax in their calculation without verifying with local tax office and made the wrong escrow analyses which leads to a significant increase in my monthly payment ( from {$3000.00} to {$4500.00}, which is 50 % increase ). The reason I found out is there is a {$5100.00} tax bill in XXXX and a {$5100.00} tax bill in XXXX but they double counted these XXXX tax bills which inflated my tax bill by XXXX. I called the customer service and they acknowledged the error and promised to resolve this issue within XXXX business days. But I have lost trust in their service after my first request and am concerned that there will be no action taken. And to my surprise, the analyses has been done in XX/XX/XXXX but I received their analyses in mail in XX/XX/XXXX which is a significant delay to explain the changes in my monthly payment. | ||||||
| 04/08/2022 | Yes |
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| On XX/XX/XXXX I received a letter dated XX/XX/XXXX from LakeView Loan Servicing LLC. There was no postage date on the outside of the envelope to indicate when it was actually mailed. Also, there was no real identifying information this was a notice of any importance. The envelope contained a letter stating personal information was part of a data breach. The company became aware of a security incident " early XX/XX/XXXX '' and explained an " unauthorized person '' gained access to files on storage servers from XX/XX/XXXX to XX/XX/XXXX. A quote from the letter : " On XX/XX/XXXX, the review process generated a preliminary list of individuals including you, whose name, address, loan number, and Social Security number were included in the files. We then took extensive measures to review that list to ensure accuracy and prepare the list to be used to mail notification letters. For some, the access files may also have included information provided in connection with a loan application, loan modification, or other items regarding loan servicing. '' The company had a duty to protect private individual information and did not exercise due diligence in protecting customers from loss via identity theft and fraud. The boiler plate letter dated 6 months after the data breach began is insulting to the 2.5 millions customers whose sensitive personal information is now out of the dark web, and offers very little support. | ||||||
| 02/11/2020 | Yes |
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Web | Servicemember |
| Lakeview bought my VA home loan from XXXX. Lakeview then informed me that there was a shortage in my escrow of $ XXXX. So they proceeded to increase my escrow payment from $ XXXX to $ XXXX for a period of 12 months. Their reasons were 1 ) to pay back the shortage to fill a reserve and 2 ) an increase in expected property taxes. I was made aware of neither of these reasons, nor shown proof of the tax increase. For there to be a shortage in escrow reserve of $ XXXX, that would equal much more than a reserve of $ XXXX ( with increased purported taxes ), the limit if exceeded would be in violation of VA loan reserve regulations. And for my escrow payment to jump much more than 200 % would be in violation of TILA-RESPA payment estimation regulations. If there was such a gross oversight in original estimation, then Lakeview as the buyer of the loan should pay for their poor due diligence, not me. I called Lakeview numerous times and finally came to an agreement with a supervisor about payment. But then weeks later, I called and waited to check status, only to find that the agreement had been rejected by a different department of Lakeview. Lakeview has not contacted me since. So now I have engaged an attorney to further deliberate. Lakeview 's actions to me as a customer, and most likely many more, has been ILLEGAL. And Lakeview hides their actions behind terrible customer service and opaque communication. | ||||||
| 12/19/2019 | Yes |
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| I closed escrow on my home on XX/XX/2019. Prior to the close of escrow Lakeview Loan Service disbursed payment for flood insurance on XX/XX/2019 in the amount of {$380.00} to XXXX XXXX XXXX XXXX of Florida. According to XXXX XXXX they show no receipt of payment. Lakeview sent an email to me onXX/XX/2019 stating disbursement had been made from my escrow account. I did receive a refund of overpayment to the escrow account, but that did not include the money sent to the flood company. I received notification from XXXX XXXX XXXX the policy was cancelled on XX/XX/2019. I have been calling Lakeview Loan Service to no avail. They just keep telling me they are researching what happened to the money. I began calling on XX/XX/2019 when it was apparent, I was not being refunded my flood insurance payment. So far, I have called on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19. I always get a run around of it's being investigated and will be disbursed soon. I have tried to speak to a supervisor, but there is never one available. I have also called XXXX XXXX on XX/XX/19 and XX/XX/19. They told me someone from Lakeview called on XX/XX/19, but they need to have proof of disbursement and front and back of the cashed check. No one at Lakeview can seem to provide that document. I have not received a satisfactory answer of what has happened to the insurance payment or if it will ever be refunded. | ||||||
| 01/15/2019 | Yes |
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Web | Older American |
| Lakeview Loan Servicing assumed servicing for my mortgage from XXXX XXXX in XX/XX/2018. Since that time I have been dealing with both incompetence and frivolous fee billing with this organization. XX/XX/2018 I was given an amount that would pay my loan down so the PMI would be taken off. However, the calculations were incorrect so I had to wait several more months before the PMI was lifted. Recently I had a problem using their online payment system in that they did not bill the bank account number I had been typing in and using over the past 9 months. When I noticed the payment I submitted on XX/XX/XXXX had not cleared my bank account, I called in XX/XX/XXXX to inquire as to why. It appeared that a digit had been dropped from their transaction so they were trying to debit an incorrect bank account number. The support rep on XX/XX/XXXX stated that we would have to let the prior payment fail, and input another that would clear. I had asked her to correct the number so the original payment would clear, but she stated the process she described would not result in any charges. On XX/XX/XXXX I received a letter stating they were charging me for a fee for 'non sufficient funds '. Upon receipt I spoke with XXXX who stated that the XX/XX/XXXX call would need to be pulled to verify the issue. I requested that to happen but never heard back from the company. I notice that my next payment shows the fee added. | ||||||
| 02/24/2023 | Yes |
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Web | Servicemember |
| The process was totally generate re-I have a VA loan. If you look at the closing statement, you can see where they bought my interest rate down from XXXX to XXXX XXXX quarter number one they had no reason to buy down an interest rate because of me being a veteran and because my credit score was over 680 at the time and I will send you copies of all these things. The x-ray which is applied to our loan should have been down in the twos or XXXX XXXX % because of the time of our purchase. XXXX XXXX waited till the week we close on the home loan to lock in a rate we have been looking at this home back in XX/XX/2021 put a bed on and everything why wasnt the rate locked in a lot sooner. Also, we had {$50000.00} give it to us by two different individuals with our friends lives if you look at the mortgage closing statement only {$30000.00} was listed but the {$20000.00} is nowhere on the contract. Where is it who has it the money was not give them back to us so and I can show you the letters for me getting P individuals I will attach. The old is well. Here is about the money that was more of the gifting money and Im cute as well why the longer bravo them and it had no reason to be ball run down because he waited until the last week to do it because he was upset with the fact that I paid off all my bills and he told me that XXXX tell me how to spend my money thats exactly where is verbatim from his mouth. | ||||||
| 02/24/2019 | Yes |
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| I have requested my PMI be removed from my account as my LTV is at about 75 % of the original appraisal. My mortgage company Lakeview Loan Servicing or XXXX XXXX asked me to pay for a new appraisal, for which I paid them {$420.00}. They then sent me a letter saying an appraisal cost XXXX and in needed to send them more money at which time they would determine again if that was enough money. I have asked for an explaination as to why the appraisal cost is so high. No body can answer me. They just say they will submit a request to the PMI removal department, which by the way has no phone number. They give me a date for when it will be recalculated by the first date was supposed to be complete in late XXXX. When I did not hear anything from them by Mid-XXXX I called them again and they said they would do the same thing as nothing had been done so far and this time it would be completed the XX/XX/XXXX. I call the XX/XX/XXXX and they said it would be completed that night and to call back in the morning. I called back the XXXX and they put me on hold then hung up on me. I called back an hour later and they told me they would put in a request for someone in the PMI removal department to call me. It is now theXX/XX/XXXX and I have not heard anything back. They sent me a letter saying if I did not submit the additional {$620.00} within 45 days they will refund the money and I would have to start all over. | ||||||
| 09/29/2020 | Yes |
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| I have been trying to remove the private mortgage insurance ( PMI ) from my FHA mortgage account. One, my online account states PMI is not a feature of my loan. Two, my previous attempt they told me I was not 78 % and not eligible to remove it. However, according to my calculations it was. So I waited some time. Second attempt, now the that debt has decreased, I tried again and I was seemingly given the run-a-around for 3 weeks. Being told my LTV was at 79 % and they would likely push it through and to wait for my final letter on XX/XX/2020. The final letter never came, so I called back around the 15th to be told it was denied. The representative couldn't provide any information so he transferred me to a supervisor who also couldn't provide any information because the department that handles it does not speak with borrowers. They can only submit the requests on my behalf. Furthermore, I am unable to see the requests they are submitting. The currently home value according to my lender is {$230000.00}. Everywhere else my current home value is $ XXXX. However, even using their under valued amount, I owe {$170.00}, XXXX which would place my LTV at 74 % and eligible to remove the PMI. Since I am unable to talk to the department, submit requests on my own, see the requests or even see the PMI status on my loan via the online account ... this was my only option. I'm not sure where to go from here. | ||||||
| 03/09/2019 | Yes |
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| This complaint is regarding Private Mortgage Insurance ( PMI ). not an option of the radio boxes. In XX/XX/XXXX I sent a letter to Lakeview Loan Servicing requesting that PMI be stopped at 80 % Loan to value. My loan achieved 80 % XXXX in XXXX. They responded with a letter stating that I needed an appraisal and a 75 % XXXX. I had checked the CFPB website as well as speaking with the mortgage company that sold us the loan. My understanding is that PMI should be stopped at 80 % XXXX and must be stopped at 78 % XXXX. Apparently Lakeview Loan Servicing is not aware of this regulation. Our home was assessed at the time of refinance and valued at {$360000.00}. Loan is up to date. On XX/XX/2019 at XXXX XXXX I spoke with an agent of Lakeview Loan. He told me that my loan a conventional mortgage has the PMI come off at 75 %. ( Lakeview Loan claims to record phone conversations ; it may be possible to request a transcript ) I spoke with XXXX. Current state of our loan is : ( as of XX/XX/2019) Current Principal Balance {$280000.00} Current Interest Rate 2.87500 % Payment Amount {$3500.00} Property Value {$360000.00} Please see CFBP pdf document : XXXX XXXX XXXX page XXXX, in at least one examination, CFPB examiners noted that a servicer incorrectly applied an investors 75 % PMI cancellation XXXX threshold to the original value of the property, instead of the 80 % XXXX threshold required by the HPA | ||||||
| 07/19/2019 | Yes |
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Web | Older American, Servicemember |
| In summary : I have a VA loan with XXXX XXXX whose servicing is collecting my mortgage debt by Lakeview. The anniversary of the loan is XX/XX/2016 ( 3 yrs. ) For 19 months I paid {$720.00}, then 3 months {$690.00}, then for 11 months {$710.00}, NOW they want to bill me {$890.00}. Thats when I said ; I better take a look at what is happening here. They have asked me to pay {$1400.00} for a shortage in escrow. Then another time {$140.00}. So, I followed the steps required to stop escrow. I have been played for about a year. So, this year I decided to pursue the issue with greater attention. After carefully reading the documents I believe they just want the period to come to an expiration where the I Insurance request will lapse. I have searched high and low for some kind of r view for this company and have and no success. I wanted to know if others were having my issue, where THEY over pay the wind and hail ( XXXX ) and that is their fault which is passed on to me. THEY have also over paid the Home Insurance w XXXX. I have had conference calls w Mortgage and Insurance, but I keep getting no answers to my questions and I get no calls back when THEY say someone will look at this. Im waiting for them to make the proper adjustments. Please Help! XXXX or XXXX XXXX XXXX XXXX Names I have talked to : XXXX in Management, XXXX in Insurance and her Supervisor, XXXX in Escrow, XXXX in Customer service, | ||||||
| 01/29/2021 | Yes |
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| I requested for XXXX to release the two Deed of Trust recorded against my property. The record indicated that there are two recorded Deed of Trust on my property. I have contacted XXXX more than one month ago and approximately eight ( 8 ) other times since, but XXXX has refused to provide any information as to how or what I need to do to have XXXX release the two liens or Deed of Trust that was recorded on my property. I am in the process of refinancing my home to a conventional loan and my interest rate is locked in until XX/XX/2021. However, I can not complete the refinance process because XXXX will no provide me with any information about how to release the liens or release the two Deeds of Trust recorded against my property. XXXX has transferred me to multiple departments that have no information regarding the two Deeds of Trust. I have even provided them with the two recorded Deeds of Trust information. XXXX purchased the loan from XXXX XXXX XXXX and now own the rights of the loan. I looked up XXXX XXXX XXXX and was redirected to " XXXXXXXX XXXX XXXXXXXX '' website. I called XXXXXXXX XXXX XXXXXXXX, and then was redirected back to XXXX. Before I was redirected, XXXX XXXX XXXX told me that XXXX is now running XXXX XXXX XXXX . However, no one at XXXX can find the two two liens or deed of trust. XXXX keeps promising me that they will resolve it in 2 days, but nothing has been resolved. | ||||||
| 10/16/2019 | Yes |
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Web | Servicemember |
| ***On XX/XX/XXXX we closed on our home with XXXX XXXX XXXX with our closing statment/HUD having a monthly payment of XXXX ***In XXXX I received a letter that Lakeview Loanservicing had bought the loan, our first payment was due XX/XX/XXXX in the amount of XXXX and change. ***On XX/XX/XXXX my mortgage cleared for XXXX ***on XX/XX/XXXX my mortgage cleared for XXXX ***On XX/XX/XXXX I received a letter that my mortgage was passed due on a companies letterhead I had never heard of. I called and spoke with them, was told they own Lake view and my mortgage was never XXXX is is XXXX. After an hour on the phone I was told that they found the error, it was on their end. Everything would be fixed on XX/XX/XXXX. ***On that following Monday I was called at work and told that I was past due on my morgage. Again took approximately 30 min she found the issue, said until XX/XX/XXXX I will get daily robocalls that my mortgage is past due. I told that Can not happen as I am at work everyday. ***The calls stopped until XX/XX/XXXX, wherein I was told that my mortgage was past due as they applied my payment to my escrow account. I asked why, she said she had no idea. Placed me on hold after 30 minutes I was disconnected and was unable to call back. **At this point I don't know what to do, while I have never missed a payment or paid short, they continue to harass me with a different issue each month | ||||||
| 09/21/2021 | Yes |
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| 1. Consumer requested escrow account be removed from consumer 's account. Mortgage company refused. NOTE : Consumer had paid in excess of $ XXXX in principal curtailments. 2. Consumer paid consumer 's property taxes in full, in advance, and homeowner 's insurance in full, in advance ; however, mortgage company purported to receive additional bills from the County Tax Office and Insurance Company. Mortgage company refused to provide Consumer with evidence of cancelled checks to either the County Tax Office or to the Insurance Company. Consumer met with County Tax Office and Insurance Company, both who denied ever receiving funds from the Mortgage Company ; however, acknowledged and provided receipts of payment in FULL from the individual Consumer. 3. Consumer reminded Mortgage Company that there is no PMI associated with Consumer 's loan. Mortgage Company, corrected this mistake in writing ; however, in XX/XX/2021 monthly statement, deducts nearly {$800.00} to pay a purported PMI fee. 4. Consumer requested : removal of escrow account ; refund of escrow surplus ; and removal of PMI. Mortgage company denied all three of Consumer 's requests. 5. Consumer received an increase of {$390.00} monthly to Consumer 's {$850.00} montly mortgage payment, due to an purported 'escrow shortage '. 6. Consumer made all of the above requests in writing and countless phone calls, without avail. | ||||||
| 09/14/2021 | Yes |
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| Lakeview XXXX XXXX XXXX Lakeview XXXX XXXX XXXX bought my mortgage on XX/XX/XXXX from XXXX XXXX / XXXX I did not receive any notification and XXXX XXXX auto drafted XXXX and XXXX payments. I received a certified letter from Lakeview / XXXX XXXX that my mortgage is in default and will start foreclosure process on Late XXXX and that is when I realized my mortgage was transferred. I then called XXXX XXXX and they told me this is a common practice and both of my payments, XXXX and XXXX had already forwarded to Lakeview / XXXX XXXX. I called loan care and they acknowledged the problem and they said it will be fixed within 24 hrs to 48 hrs. I was also told that I will receive a phone call from them. They again and again failed to notify me. Each time they give me different deadlines when I call back. First was XXXX. Then now XX/XX/XXXX. They acknowledged that they didnt meet the time requirment. XXXX payment was due XXXX with a grace period of 15 days. They now want XXXX payment. I was going to make a payment but then they told me it will apply to XXXX payment. Basically they want all 3 months payments in order to apply XXXX payment. I feel like they are in breach of contract for not timely transferring the mortgage within 60 days and also not accurately posting my payments. Meanwhile my credit scores dived. I was planning on buying a new car this is not happening. | ||||||
| 03/06/2018 | Yes |
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| The Company is : Lakeview Loan Servicing , LLC or XXXX Attn : Consumer Solutions Department XXXX. XXXX XXXX XXXX XXXX, VA XXXX I closed on my home XX/XX/XXXX. In my closing papers my new forwarding address was listed as XXXX XXXX XXXX XXXX GA XXXX. On XX/XX/XXXX- XXXX XXXX XXXX ( XXXX ) paid XXXX {$1600.00}. This was alarming considering I already closed on my home, so I called to find out what was going on. - XXXX confirmed they recieved payment from XXXX and issued me a refund check for {$1600.00}. - The XXXX XXXX XXXX Stopped the check to XXXX ( apparently the realized they paid them by mistake and sent my refund check to XXXX XXXX XXXX XXXX GA XXXX on XX/XX/XXXX ( or so they say ) Well that is not my address anymore, i clearly sold that house, so i cant figure out why they did this. - Since that is not my address i started calling XXXX XXXX XXXX and trying to MY ESCROW money sent to me ... - I have called SEVERAL times and always get put on hold and wait for 25 minutes before they disconnect me. - I believe this company is trying to steal my money and put me on a block list so i cant speak to management. - I am now trying any avenue possible for them to send me MY MONEY to the CORRECT address, this entire mix up is all their fault and they need to be held accountable for holding MY money for so long without permission. Please remove my address before publishing | ||||||
| 07/08/2022 | Yes |
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| XXXX, XXXX successfully accepted and applied all payments made on XX/XX/XXXX, through XX/XX/XXXX. I have attached the full payment history to date on this recently closed mortgage loan. The payment history reflects my payments made on XX/XX/XXXX but applied on XX/XX/XXXX through XX/XX/XXXX. I intended to pay ahead until I catch up to being half a year in advance of my mortgage payments, while also paying more on principal each month. Unfortunately, that same day it looks like they reversed some payments but misapplied them on the second round. On XX/XX/XXXX at XXXXXXXX XXXX they sent an email that looked spammy/phishing alerting me that my loan was past due. I am anxious that this will reflect negatively on my payments on time section of my credit report and put me at risk of default and foreclosure on my home. My desired resolution is for them to adjust this payment misapplication and error immediately given the severity of financial harm to me if they do not. I would also like for them to take corrective action and establish a permanent fix for the tech they are using to apply payments. I made payments on XX/XX/15, but they weren't applied until the XXXX. This could also harm someone's credit. Please work with this mortgage servicer to ensure they are not intentionally attempting to harm consumers via mortgage servicing late fees due to misapplication of payments. | ||||||
| 08/12/2021 | Yes |
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Web | Older American |
| I sold my house and paid off my mortgage of XX/XX/2021. On XX/XX/XXXX Lakeview Loan Servicing LLC sent a letter to my new address advising that the balance of my escrow account would be sent to me in 10 to 15 business days. On or about XX/XX/XXXX I received a letter forwarded from my old address stating they had issued my check for the balance on XX/XX/XXXX. I called and was informed the check was sent to my old address, even though they had my new address, as reflected in the letter of XX/XX/XXXX. I immediately called and they promised they would stop payment on that check and issue a new one to the correct address in 3 to 5 days. I called again 2 weeks later and was told the new check hadn't been issued yet but they would request it again and it would be sent in 5 days. On or about XX/XX/XXXX I called again and was informed the check was issued on XX/XX/XXXX. I called again today to tell them I haven't received the check. I was then told that the check would take 10 to 15 business days to get to me and there was nothing else they could do. It is my understanding they had 15 business days from XX/XX/XXXX to issue my escrow refund. They did not do this and don't care. Is there a penalty for missing that deadline? Even if they issued the check timely to the wrong address, it would have been forwarded to my by now. I believe they are intentionally dragging this out. | ||||||
| 07/16/2023 | Yes |
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Web | Servicemember |
| Loan is with Lakeview Loan Servicing - Loan number XXXX. I have requested multiple times to delete escrow on a VA loan and pay taxes and insurance out of my own accounts. I have asked to delete escrow altogether. Twice, this request was submitted in writing formally, and denied after lengthy periods with no explanation. My understanding is that a VA loan requires no escrow withholding. This company tells me I simply do not qualify as " 80 % of home is still owed ''. In addition, after I documented at length through phone calls that I would be paying my own insurance and taxes, this mortgage company still paid my taxes and put me into an escrow deficiency. I have asked for a manager to call me, and no call back was ever received for an entire business week. I now have made an additional payment of {$3500.00} directly to escrow to avoid a mortgage increase, and this payment will occur on XX/XX/2023. This payment is scheduled directly for escrow, and prior to any rate or payment increase. I do not want another mortgage increase, and no further escrow analysis has been done prior to this payment being made. In short, this payment should pre-empt any change and keep my mortgage how it is structured. Last, I plan to submit additional mortgage deletion requests in writing because I do not want this predatory practice to " manipulate my escrow '' to continue. | ||||||
| 10/07/2020 | Yes |
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| Unfortunately, the service was inadequate because the mortgage loan processor XXXX XXXX XXXX, # XXXX provided false information that caused a denial in my FHA refinance. I was told to stop my autopayments and that the loan processor would coordinate for notary to come to my house for the closing costs to be collected in early XXXX. I emailed and called the loan processor multiple times to find out she got promoted late XXXX in which she did not communicate. My loan was handed off to another loan processor in which has yet to communicate with me. Come XXXX I felt it was little odd that i still didnt receive any correspondence regarding my payment or closing and I called to make a payment for the 2 months totaling roughly {$3700.00}. The rep that took my payment said that this was bad news for me since the loan processor did not communicate i was subject to being disqualified. I was on XXXX and was making my payments on time she should've said to continue until we closed but she didn't which is very frustrating and disappointing. Because of the lack of professionalism, ethics, and communication I am now INELIGIBLE for a refinance. I reached out to the supervisors that gave me what was a superficial apology but i never received a formal apology for the mistake of the loan officer or the lack of communication. I am stuck with this loan company for another 6 months. | ||||||
| 01/31/2021 | Yes |
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| Despite making timely payments to XXXX mortgage lender/Lakeview servicer, the organization has failed to make timely property tax payments resulting in penalty and interest accumulating on the account. Lender/servicer has also deducted amounts from the escrow account in excess than what was due for property taxes. Timeline : -Property tax bill issued XX/XX/XXXX XXXX showing {$1300.00} due for XXXX -LakeviewXXXX deducted {$1500.00} from escrow on XX/XX/XXXX XXXX for tax disbursement -Called Lakeview in XXXX to inquire about issue, and finally on XX/XX/XXXX, XX/XX/XXXX XXXX -Submitted waiver request form to XXXX on XX/XX/XXXX, to recover excess amount paid by Lakeview -Contacted XXXX to follow up on waiver request XX/XX/XXXX XXXX -Received reply from Real Property Program Specialist at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX who indicated no payment was ever received from Lakeview/XXXX -Sent letter to Lakeview/XXXX via certified mail on XX/XX/XXXX XXXX requesting a resolution to the nonpayment, penalty/interest issues and to correct the amount deducted from escrow. Also sent a digital copy of the letter using a form on the company 's website. -Received confirmation from Lakeview/XXXX on XX/XX/XXXX that the letter was received -The accounts have not been corrected and there has been no response from Lakeview/XXXX to the XX/XX/XXXX letter. | ||||||
| 10/27/2020 | Yes |
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| I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at XXXX XXXX yesterday XX/XX/26. they stated that XXXX HAS TO GIVE XXXX XXXX written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a school XXXX Her and I and XXXX XXXX were on the phone yesterday. The funds ARE sitting at XXXX XXXX to return to XXXX XXXX when ask the contact at XXXX XXXX is XXXX XXXX XXXX. But XXXX XXXX will not call XXXX XXXX because XXXX XXXX as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. To sum up this issue XXXX sent a check written off a XXXX XXXX account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from XXXX XXXX calls them and XXXX XXXX will not until XXXX tells them too.. this is all getting so RIDICULOUS ... I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except XXXX | ||||||
| 02/28/2019 | Yes |
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| Upon closing XX/XX/XXXX, my county taxes for XX/XX/XXXX were estimated to be {$1200.00}. A supplemental form was mailed to me for the correct acreage of my home, so the actual amount owed for my XX/XX/XXXX county taxes was {$1300.00}. I sent this supplemental *correction* form to my mortgage company and asked them to tell me what I should do with it. Instead of responding, they mailed a letter saying they'd paid the supplemental taxes. This was in XX/XX/XXXX. My Annual Escrow Account Disclosure Statement shows that ANOTHER disbursement for {$1200.00} was made for county taxes in XX/XX/XXXX, bringing my escrow to a negative amount of - {$1700.00} somehow. I have been calling and emailing and faxing this company for several weeks to no avail. I checked with my county tax assessor to be sure, only one payment was due and paid of {$1300.00}. My mortgage payment is due tomorrow and I'm very worried. I am continuing to call the company for help, but I never get the same explanation twice. I've been told they can't even see the escrow disclosure statement, and they've asked me to fax it over TO THEM, when they are the company who mailed it TO ME. I can even log on to my account and see the same form. No one seems to know what I'm talking about. Please help. My monthly payments have now gone from {$790.00} to {$940.00}, which will be a struggle for me. | ||||||
| 01/07/2022 | Yes |
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| My mom had XXXX recently so I got a forebearance from my mortgage company so I could go home and take care of her. She passed in XXXX. I then found out I had XXXX so I extended the forbearance until XXXX. The loan servicer, Lakeview Loan Servicing, told me I could get a deferral on the forebearance and they would send papers. After a day I realized that the cosigner of my mortgage had passed and that would affect paperwork, so I immediately sent his death certificate to the company, who acknowledged receipt. They said they would draw up new papers. In the meantime a packet of papers arrived with my cosigner 's information. I called the company, who said they would send corrected documents. Two weeks ago a new packet arrived, but with my cosigners 's name STILL on it. I called and complained and was told by their loss-mitigation dept that a supervisor had looked at my case and would be expediting the paperwork. I called today and they said that it would take another 2-3 weeks. In the meantime they keep sending me warning notices, and just sent me an email saying my deferment deal was no longer on the table. On the phone they said to ignore those notices as apparently one side of the business doesn't know what the other side is doing. I suffer from XX/XX/XXXX, and this affair has increased the frequency of attacks to nightly occurrences. | ||||||
| 01/11/2024 | Yes |
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Web | Older American |
| XXXX XXXX, the administrator of my Lakeview fixed/adjustable mortgage did not adhere to the terms of the Note as they applied a " recalculation '' late in the annual rate change cycle. Initial rate change was effective XX/XX/XXXX. Using XXXX XXXX, XXXX XXXX adjusted rate from 3.625 % to 5.000 % as per terms of Note. XXXX XXXX is negligent in adhering to subsequent terms of Section 4 ( D ) which state " Thereafter, my adjustable rate will never be increased or decreased on any single Change Date by more than XXXX percentage points from the rate of interest I have been paying for the preceding 12 months. '' XXXX XXXX response was the XXXX, XXXX discontinuance of XXXX prompted their use of XXXX to recalculate the interest rate from 5.000 % to 7.500 % which became effective in XXXX! I never received notification of this change although a copy was included with their response to my appeal. XXXX was in effect per the Note at the time of the initial Change Date ( rate 5 % ) which should have been locked for 12 months. The company took the liberty to use this " recalculated '' interest rate and add .750 % more as part of the allowable one-year rate change & still appear to be within the Limits on Interest Changes in Section 4 ( D ) - see above. The new rate effective XX/XX/XXXX is 8.250 %, from 5 % to XXXX. XXXX XXXX 's actions are despicable & unlawful. | ||||||
| 02/17/2021 | Yes |
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| Since XXXX of XXXX I have been reaching out to Lakeview Loan servicing company, in hopes to obtain a loan modification. We filed bankruptcy in XXXX and my husband lost income from leaving his job and we are struggling on monthly payments. I called at least 5 times and sent emails to request contact. Nobody has EVER called me back. There were times I waited on hold for SIX HOURS! SIX! I need someone to help me with the loan modification paperwork and to figure out exactly how to fill it out. Then I received an escrow shortage notification where they said that my PMI increased. How does my PMI increase? That is locked in at the start of the loan and decreases over time. With that, a and a raise in property taxes, It caused my escrow to be short over a XXXX dollars.But when I calculate how much my Taxes and homeowners insurance cost, it is not at the number they are asking me to pay monthly. I called last week and asked them to rerun it and explain it to me and the women said someone would reach out to me in a couple days. It has been a week now. I absolutely CAN NOT stand this loan company. if I had ANY chance of my bankruptcy not holding me back I would refinance somewhere that doesn't take 6 hours to talk to some one. But for now I guess I will just stick it out. I hope that they are reprimanded and that something happens because I am struggling. | ||||||
| 03/13/2021 | Yes |
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| The mortgage servicing company, XXXX XXXX or LakeviewLoan Servicing LLC is fraudulently reporting to all credit reporting agencies that there were 120 days of late mortgage payment in 2020, for our former residence in XXXX which is false. XXXX XXXX XXXX, as they state is a nationally recognized in full-service sub-servicing to the mortgage industry. They claim to be the XXXX largest servicer in the country. The XXXX Mortgage was held and serviced by Lakeviewloan servicing inc. which is the arm of loan servicing, for XXXX XXXX. After numerous attempts to contact both Lakeviewloan servicing and XXXX XXXX have been unable too resolve this major issue so that the records may be corrected. and removed from all credit reports. Unfortunately both companies have structured themselves to redirect all incoming calls to recorded message 's that will only attempt to redirect those calls away from a real customer person that can not be reached by phone.. As a direct result of their action we have been denied credit, significantly harmed solely based upon this disputed information being reported to all credit agencies. Only after we have been trying to refinance our current mortgage here in XXXX have we learned to the false information and have XXXX and have been solely upon the basis of those disputed mortgage payment 's being late within 2020. | ||||||
| 03/17/2020 | Yes |
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| I received a letter from my tax office in XX/XX/2020 stating there was a delinquent balance on my real estate taxes of {$2800.00}. The taxes are included in my mortgage payment in escrow. I immediately contacted my mortgage company and emailed them the letter. They assured me they would look into the problem and resolve the problem. A few weeks later I received another letter from the tax office indicating a tax sale is scheduled for XXXX. I called again on XX/XX/XXXX, told them about the second letter and emailed that one as well. I was told, yet again, the problem would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I called the tax office to confirm that the mortgage company had taken care of the delinquent payments only to be informed they had not and my balance was now {$3900.00}. I again called them and asked to speak with a manager who informed me the only thing she could do was expedite my case and it should be taken care in 3-4 business days. When asked why the payments weren't being made her response was, " I don't know, I can't answer that. '' In the meantime, a tax sale situation is taking place and the tax office is not concerned that this isn't my fault, they are just concerned about getting the balance owed. I pay my mortgage every month on time and this is unacceptable and negligent action on behalf of the mortgage company. | ||||||
| 06/28/2022 | Yes |
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Web | Older American |
| I received a letter and related information about protecting myself against identity theft from a " Lakeview Loan Servicing , LLC '' on about XX/XX/XXXX. Lakeview claimed that it " currently or previously owned the servicing rights to a mortgage loan '' I have or had whereby it " used a third party to provide servicing. '' Lakeview informed that sometime between XX/XX/XXXX and XX/XX/XXXX an " unauthorized person '' had obtained access to its files on file storage servers and may have obtained my name, Social Security number and possibly drivers license, financial account information and/or other information provided in connection with a loan application or loan servicing. Lakeview asserted that it had engaged " XXXX, a third party with monitoring expertise, to provide identity monitoring services at no cost '' to me for one year with services including " Credit Monitoring , Fraud Consultation and Identity Theft Restoration. '' It provided an internet address for " krollmonitoring.com ''. The only servicer I have and have had since refinancing my mortgage in XXXX is XXXX XXXX, XXXX. with which I communicate only through the US mail. XXXX is not even mentioned and I've never heard from XXXX about this breach of data or threat to theft of my identity. I think this is a " phishing scam '' which should be stopped and shut down. | ||||||
| 02/12/2019 | Yes |
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Web | Servicemember |
| I mailed my payment to Lakeview Loan Servicing on XX/XX/19 and as of XX/XX/19 my credit union ( XXXX XXXX XXXX XXXX ) stated the cashiers check had not been cashed. I started a " stop payment '' process with my credit union on XX/XX/19 and called Lakeview Loan Servicing again on the afternoon of XX/XX/19 and at that time the automated stated my payment was received on XX/XX/19. There are phone records of me requesting to speak with a someone who could explain why my payment was held from XX/XX/19 until XX/XX/19 ( which is the date all agents advised the payment posted to my account ) and the agent stated she would transfer me to customer service however I was transferred back into the automated system, on the second attempt I requested a supverisor and I was transferred to the survey line, on the third attempt I was transferred to another phone agent who had none of my account information. Finally, on the 4th attempt I was transferred to a supervisor who inquired about how the payment was made I did advise it was mailed and she started to explain about payment processing when paying via XXXX XXXX and mail and how that may cause a delay which meant she was not listening when I advised the payment was mailed however Lakeview 's automated system and the employees advised me the payment was received on XX/XX/19 no other source. | ||||||
| 03/01/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, the loan servicer XXXX XXXX created a new escrow analysis, stating that they anticipated the county tax disbursement for XX/XX/XXXX is {$9100.00}, and school tax disbursement for XX/XX/XXXX is {$5200.00}, based on XXXX XXXX county tax {$4400.00} and school tax {$5200.00}. Loan care 's escrow department mistakenly calculate the County tax for XXXX as a combination of XXXX XXXX XXXX tax and school tax. With addtion of school tax, XXXX XXXX created a shortage of {$1700.00} as of XX/XX/XXXX, then increased the escrow payment from {$1000.00} to {$1400.00} and another prorated shortage of {$140.00}, totalling a {$560.00} increase in escrow payment, despite of the county has not updated the XXXX 's assessed value or property bill yet. This is totally XXXX XXXX 's calculation mistake. As soon as I received the incorrect escrow analysis statement, I called XXXX XXXX to correct, no actions was taken on XX/XX/XXXX. I then made 4~5 phone calls talking to different customer representative, they all told me the ticket is handling by the escrow department and soon will be update. As of XX/XX/XXXX, XXXX XXXX still does not want to cure this mistake and has been charging me the {$560.00} overage on escrow for XX/XX/XXXX and XX/XX/XXXX 's payment. My payment history is ALWAYS one time with XXXX XXXX, no late payment at all. | ||||||
| 06/01/2021 | Yes |
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| https : //lakeview.com/ XX/XX/2021 : We began the initial inquiry with Lakeview Loan Servicing to have the PMI removed from our mortgage based on the increased property value. Lakeview informed us that they would send a document in the mail within 20 business days to determine whether we qualify. The form was received on XX/XX/XXXX and stated we needed to make an inquiry to schedule the BPO. XX/XX/2021 : We called to have the BPO scheduled and they informed us they would call us to have the payment made and proceed with scheduling. We never received any calls. XXXX XX/XX/2021 : I called to see what the delay is and they said we never reached out to make the payment to schedule the BPO, however that was never explained to us. They said as soon as the payment is received they will call within 1-2 business days to schedule the BPO. XX/XX/2021 : Payment was received. XX/XX/2021 : We still have not received a call to schedule. I called and they informed me this could take as long as 2 more weeks to schedule. When inquired about why the additional delay and not 1-2 business days, they said that information was incorrect. Throughout the process Lakeview has been unclear about timeline and next steps. In my opinion, they are unnecessarily delaying the process as it is in their best interest to continue having us pay PMI. | ||||||
| 01/08/2020 | Yes |
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| My name is XXXX XXXX XXXX and my wife 's name is XXXX XXXX. On XX/XX/2019, we applied for a refinance with Lakeview Loan ServicingXXXX XXXX XXXX, on our existing mortgage with XXXX XXXX XXXX XX/XX/XXXX. The amount of the loan applied for was originally for {$320000.00}. The process took 4 months for us to get Final Approval and the Loan Processor even asked us on when we want to close. I have sent emails and made telephone calls since, as to the status of the closing. The answer I was given was that there needs to be some updates made. Today, XX/XX/XXXX, after demanding for an explanation and answer on what's holding up the closing, I was told that we can not go forward with the closing because of how the loan was structured. I can't understand why we were told that the loan has been approved and ready to close as early as XX/XX/2019. My complaint is that why we were made to understand that the loan will close when in fact, there were some issues that need to be addressed that we were not aware of. I will forward the stream of emails between XXXX XXXX XXXX ( on behalf of Lakeview Loan Servicing ) and ourselves. The persons that I had communications with are : XXXX XXXX XXXX at Lakeview Loan Servicing, and XXXX XXXX at : Lakeview Loan Servicing. I hope this will merit your kind attention. Respectfully yours, XXXX XXXX XXXX | ||||||
| 06/13/2018 | Yes |
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Web | Older American |
| Our original mortgage was sold to Lakeview Loan Servicing , LLC ~XX/XX/XXXX. On XX/XX/XXXX Lakeview sent a check from our prepaid escrow account to our local tax collector for {$2500.00}, which was an incorrect amount, and the tax collector sent it back to Lakeview on XX/XX/XXXX and to date Lakeview has failed to pay our XX/XX/XXXX taxes. The first we were made aware of this failure was XX/XX/XXXX when we received a letter from XXXX County Tax bureau informing us our taxes had not been paid. Since that date we have made repeated phone calls to Lakeview with no results. Lakeview has admitted it's their mistake ; they have acknowledged to us they have our XX/XX/XXXX tax money and that they are responsible for all late fees which continue to accrue the XX/XX/XXXX of every month but despite our numerous phone calls, 2-letters from us and 1-from our attorney, they have still not dispersed our money they received last year to correct this problem. We have had customer service reps and supervisors " promise to call us back '' and they have never called us. We feel this company is a fraud, incompetent and essentially they have stolen our escrow tax money. XXXX county has also advised if Lakeview does not pay our XX/XX/XXXX taxes, our property will be added to the tax sale list. Please help us and stop this incompetent company! | ||||||
| 04/07/2021 | Yes |
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| My loan servicing history shows that the property taxes that are collected with my monthly mortgage payment was disbursed from my account in XX/XX/2021. I received a delinquent property tax notice regarding the property taxes on XX/XX/2021. I contacted my loan servicing company. All that they told me is that they show that the property taxes are disbursed to third party processing company and they are responsible for getting the property taxes paid. I have since refinanced but my disbursed property tax payment is still missing ( {$570.00} est ) and I had to pay the installment again thru the close of my new loan plus the penalty ( {$600.00} ). My property taxes have now been paid twice by me yet only the delinquent payment has posted to the County. Also, the loan servicing history shows that my property insurance was disbursed in XX/XX/2021 and that has not been posted with my insurance company. When I refinanced a full year insurance premium was being collected thru the close and that amount has been posed to my account. The loan servicing company shows they disbursed the insurance premium but no one can tell me where that payment went because it did not go to my insurance company. So, I have paid my tax installment twice and my insurance premium twice. I am out of pocket almost {$1100.00} from my refinance. | ||||||
| 10/16/2017 | Yes |
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| On XXXX XXXX, XXXX we were served a notice of default with XXXX, XXXX XXXX XXXX. We were put through a modification and on XXXX XXXX, XXXX we were Approved for a loan modification and they set up XXXX trial payments. After making the first payment our loan was transferred to XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX servicing. We made all three trial payment XXXX XXXX, we kept on top of the sale date with their appointed attorney, and they continued to let us know there is no sale date everything is still on hold while we complete our modification. We spoke to XXXX XXXX XXXX bank when we made our XXXX payment on XXXX XXXX, XXXX They said everything looked good and they were sending out the paper work for the permanent modification and that had to be notarized. XXXX on XXXX XXXX, we received a notice of Acquired XXXX. Come to find out XXXX XXXX on our home, with no sale date, after successfully completing our trial payments the day after we gave them our XXXX XXXX payment. We were scammed out of our home. They gave us no notice of denial of modification, no sale date was posted to the door, no notice!!!!! We did everything on our end on time. They are liars and should be held accountable for their actions, this is dual tracking and is illegal in the state of California. We will be contacting an attorney as well. | ||||||
| 09/14/2021 | Yes |
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| Despite my forbearance having ended months ago, Lakeview/XXXX has decided to extend it to the date of XX/XX/XXXX. It had ended in XXXX of XXXX and I was not only current, but had paid a month in advance. In XXXX I began working with a new lender to refinance through the FHA streamline program. There have been multiple issues with Lakeview/XXXX seemingly doing everything in their power to prevent the closing. I was to close with my new lender last month but a lien had been placed against me by LakeviewXXXX that prevented the title transfer. We had to move our closing to a date of XX/XX/XXXX. Now my forbearance has an end date of XX/XX/XXXX. I did not request for this to be done. I have auto pay set up through Lakeview/XXXX website and was assured in XXXX the autopay would resume as normal. As of XX/XX/XXXX my payment was not auto drafted. I have had to manually submit a payment now. I called multiple times and was told my forbearance ended in XXXX, ended in XXXX, ended XX/XX/XXXX or ended XXXX. I asked for the documents to be sent and was told I couldnt get access to them any earlier than XX/XX/XXXX. I requested the issue to be escalated and was told the only way to do that was to file a complaint online. When I go to the contact us section, there is no option to file a complaint to escalate an issue of any kind. | ||||||
| 06/08/2020 | Yes |
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| I contacted Lakeview Loan Servicing , LLC in XX/XX/XXXX and XX/XX/XXXX regarding an adjusted amount to my County Taxes. I have an escrow account to pay my county taxes. I was told by a customer service representative that they would pay the adjusted tax payments for XX/XX/XXXX and XX/XX/XXXX and that I needed to send the tax statements to XXXX XXXX XXXX, XXXX XXXX, VA XXXX. I contacted them in XX/XX/XXXX to be sure they received the statements and they said they did and were in the process of reviewing them and they would call me back within 3 days to provide an update. I advised them I need to have an update before XX/XX/XXXX as that is when the tax payments were due and would be delinquent. To this day no one has contacted me and I received delinquency bills from the County of Los Angeles. I contacted Lakeview Loan Servicing again XX/XX/XXXX at XXXX ( pst ) I spoke to the department that handles escrow and taxes. The representative said she would have to place me on hold and when she came back she said I would have to speak to a manager in which I was placed on hold again and the line was disconnected. My escrow balance is currently {$1100.00} and my tax bills total {$620.00} plus fees now that the payment was not made by XX/XX/XXXX. I have more than enough funds in my escrow account to cover my County Taxes. | ||||||
| 02/24/2021 | Yes |
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| Lake view Loan servicing LLC ( LLS ) was supposed to pay my real estate taxes in XX/XX/XXXX when I closed on my loan. They never paid them. In XX/XX/XXXX ( XX/XX/XXXX ) I received a tax delinquency notice from my township. I contacted XXXX on the same day and requested they take care of it. I was told a ticket was open and the taxes would be paid by XX/XX/XXXX. On XX/XX/XXXX I contacted LLS and was told a check was sent out to my township for my taxes. On XX/XX/XXXX I received a lien notice from my township because my taxes were not paid. When I contacted LLS I was told they made the mistake and the taxes would be paid by XX/XX/XXXX. I followed up multiple times between XXXX to get a status. I was told it was elevated to the highest person it could go and that I needed to wait until XX/XX/XXXX for it to process. Well here we are XX/XX/XXXX and NOTHING. Now I am told its been escalated again, but I have to wait at least 24 hours for someone to look at it. And then however long itll take for someone to pay it. This is a nightmare company. They dont care how they affect your life. They hold YOUR escrow and down pay the taxes they are required to pay! I dont even have the ability to pay my own taxes! Im forced to have them included in my mortgage payment! Please help! I spoke to Supervisors : XXXX XXXX XXXX XXXX | ||||||
| 10/25/2019 | Yes |
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| this has been doing on for the last 3 years. My loan has been moved around. LakeView and XXXX XXXX. I paid over the amount to reinstate my home back in XXXX 2017. At that time- the extra money was to be applied to current and future payments. Instead, the payments got applied to fees that dont have any explanation to them. Over over $ 4k dollars. There was a payment on my account around {$1600.00} that has never been applied, My ex wife is still on my loan- and I have been told several times this would be resolved and taken care of- and still has not. I filed bankruptcy to save my house. Money was applied and yet never shows up. I was told there is yet another sell date of the XXXX of XXXX. Also- on some documents it is showing that my interest on my loan is in the 5 % range. Not sure when this happened. As well as two different amounts for the payment. One from XXXX XXXX and another from Lake View. Not sure which one is which and why there are two. Myself as well as my attorney have tried to get the pay off amount and never were able to get that amount. Also when we filed bankruptcy the loans continued to serve me with sale date notices. At this point I don't even know where to turn or to get answers. When the trustee and attorney aren't able to get clear information- I am in need of your help | ||||||
| 03/26/2019 | Yes |
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| I am trying to reach my mortgage company to find out how much I would need to pay off in order to have the PMI removed from my loan. After trying multiple times through the website 's XXXX XXXX XXXX " Contact us '' email feature, on XX/XX/XXXX I called a phone number I received on a refinance mailing from my mortgage company Lakeview Loans. The number was XXXX. They quickly told me that for my issue I actually needed to deal with the loan servicing company and they gave me a new phone number to call XXXX. I called this number and spoke with a " XXXX '' possibly " XXXX '', she told me that I needed to submit a request through the company 's website. As I had already done this on multiple occasions I told her that wasn't going to work, and asked for an e-mail address to send to. She provided me with XXXX. Upon e-mailing this address I received a confirmation of my e-mail and a ticket number and a statement that it could take up to 5 days to respond and that my issue was being sent to the " escrow '' department. I waited one week and on XX/XX/XXXX, after no response, I e-mailed them again and received the same response, and same ticket number. I waited yet another week and again tried to contact them through the website, with no response at all. Every month that I have PMI is costing me {$90.00}. | ||||||
| 04/15/2019 | Yes |
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| Lakeview loan servicing is who services my mortgage and escrow. In the first year of owning my first home they have changed my payments 3 times. Stating escrow balance has been to low or negative. I have my original escrow account disclosure and to my best knowledge it is accurate. They over estimated the amounts and I shouldve had a cushion at the end of the first year. Instead Im negative. Lakeview can not explain how this happened or when I talk to different departments they cant give me the same answer. One department says I was overcharged, the other says I owe. Wait times to speak to someone are routinely over an hour long. Ive called 6 times starting from XXXX. Im am on hold as I write this ( 1 hour & 35 minutes so far ). Ive asked for a new escrow analysis and was told 3 have been done so far. They also admitted to making a mistake on one by not including my hazard insurance, then charge me {$1300.00} for insurance that that has already been paid. Customer service department says the money was refunded to escrow, their collections department says it was not. Ive requested a new analysis so I can do their work for them and figure out where they are making the mistake. I asked on XX/XX/19 and today ( XX/XX/19 ) I was told there are no notes for a new escrow analysis or one in progress. | ||||||
| 11/09/2020 | Yes |
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Web | Older American, Servicemember |
| The end of XX/XX/2020 we contacted Lakeview loan servicing based on their letter to us offering a good refinance rate. We have been in contact with them since, sending in documentation they requested, often the same documents multiple times and then having to submit those same documents again because of the amount of time. our initial contact was XXXX XXXX. We have talked to the loan processors. First one XXXX XXXX then XXXX XXXX XXXX around XXXX XX/XX/2020 ) who is our current loan processor. The home appraisal was done XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX early XXXX. It is now early XXXX and the manager of the loan processors has refused to contact us and the loan processors put the delays off on the underwriters who we can't talk to. says they can not help and processor company XXXX XXXX XXXX XXXX says they don't do Refinances. What is the complaint - First is the long time for processing over 4 months ; Second the lack of support to contact someone to address the issue ; third the appraiser company we were told we had to use we feel gave us a low appraisal for XXXX issues. The house appraised for less than we purchased it for 5 yrs ago, even though the community and area prices have gone up each year. Biggest issue is the lack of action and communication with us. | ||||||
| 10/11/2023 | Yes |
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| I was in forbearance for the past year. I called my Loan Servicer up at the end of XXXX in hopes that they would put what I owed into the back of my mortgage. I was instead offered a modification which raised my interest rate from 4.75 % to 7.25 % and increasing my payment to almost {$500.00} per month. I always thought especially with FHA that there had to be a net tangible benefit to refi of modify a mortgage. I told them that I would take this as a last option because I didn't want to lose my home. I also applied for the HAF ERMA program that would bring me current with the same terms. I currently have an appeal in with the Loss Mitigation Dept to reverse the modification. There were time stamped recorded phone calls with the Loss Mitigation representatives that told me that they were going to escalate my request to cancel of the modification and was instructed to email them to stop the modification, which I did. I'm going to attach the letter that I sent to my loan servicer today which has the dates of my calls to them and what I was advised to do. These cancelation requests were made more than 3 weeks ago. I was informed at that time that it was not to late and that they would cancel the modification which shouldn't have gone through in the first place being that it was incomplete. | ||||||
| 12/13/2018 | Yes |
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| We refinanced our FHA loan from XXXX to Lakeview ( The XXXX XXXX XXXX ) sometime XX/XX/XXXX. We opted for the same type of loan, FHA. In our Closing Disclosure, we opted to have the Home Insurance and HOA excluded in escrow. But, last XX/XX/XXXX, XXXX started paying our Home Insurance to XXXX, After several attempt to contact someone about the issue, XXXX advised me to email a copy of Loan DIsclosure to them. A copy of Closing Disclosure was emailed on XX/XX/XXXX and they assigned a ticket number ending in XXXX. On XX/XX/XXXX, XXXX affirmed that my request to remove the Home Insurance from my Escrow has been forwarded to Escrow and they marked my issue Resolved. On XX/XX/XXXX, we received a letter from Lakeview denying our request to waive Escrow. We did not request to waive Escrow. We requested to exclude Home Insurance from our escrow. I restarted the painful experience of talking to XXXX, this time, they claim that they can not remove the Home Insurance from Escrow as it it required by FHA. To our dismay, we have been paying the Home Insurance ever since we financed the property from XXXX XXXX. Our patience is drained and totally helpless, despite of our Closing Disclosure. We feel that XXXX is giving us wrong information, run arounds, or LakeView deceived us to refinanced. | ||||||
| 08/12/2019 | Yes |
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| On XX/XX/2019 I received my monthly statement indicating a bankruptcy message on my account. However, I have never filed for bankruptcy. I contacted the loan servicer via phone and explained that I did not file bankruptcy and that the information on file is incorrect. They responded by telling me that name of the person who did file along with the bankruptcy case number. I stated that I did not know the individual and they do not live at my address. I contacted the loan servicer again on XX/XX/2019 and explained the situation again to have the bankruptcy removed from my account so that I could make my mortgage payment. They responded by telling me that the individual who handles the mortgage resolution had been out of the office for a while and that they were behind on processing information. Yet again, I contacted the loan servicer on XX/XX/2019 and this time was that although the person that filed the bankruptcy had a different name, that the last four digits of their SSN was the same as mine. I was then transferred to the mortgage escalation line to leave a message. As of XX/XX/2019 I have not received a response from loan servicer and am now receiving adverse reporting on credit reports. My credit reports now indicate that my mortgage is now CLOSED with a balance of XX/XX/XXXX. | ||||||
| 04/02/2020 | Yes |
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| earlier this week I heard our California Governor say on live tv that all mortgage companies will defer your monthly mortgage payments up to 3 months without any penalty. he said that the way it would work is we can defer 3 monthly payments and our mortgage company can just add those 3 payments to the back side of our loan without any extra cost or penalty to us. So I called our mortgage company to ask them if we can defer our payments like XXXX XXXX said, because myself and my wife are both temperarly out of work for a few months because of this corona virus. its not our fault that we can not work right now because of this virus. The governor ordered a state wide lockdown. so we are not allowed to leave our house unless we need to get food or essential groceries. We both had to file for unemployeement insurance to help us get by until its safe for us to go back to work. And to my surprise the mortgage company said they will not cooperate with what XXXX XXXX said about defering our mortgage. This is why I want to report this company. This demonstrates bad faith and a bad business ethic on there part. The name of this company is Lakeview Loan Services LLC I will gladly give you my personal account info if you need it later. I can be contacted by phone or email just about anytime. | ||||||
| 02/19/2020 | Yes |
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| Company : XXXX XXXX XXXX XXXX XXXX on behalf of Lakeview Loan Servicing Lakeview has promised my parents that due to the change in interest rates, they can provide them a lower mortgage interest rate at 3.930 % with no out of pocket costs and/or closing costs. The problem is, we just moved into this home XX/XX/XXXX and I am part owner of this house. They have not received my consent to do so. When finding out what was going on, my dad provided me a draft of their documents. They are instructing my parents to provide them a deed that I'm not listed on ( previous deed ) in order to close on the loan without my consent.. We had a lawyer draft a document that he then filed with our local Appraisal and/or County Clerks office. I have tried to contact them only to find out multiple people have handled our loan no longer work with this company and I continue to receive voicemail. Today XX/XX/XXXX, I sent them email to discontinue, terminate, and cease practices or servicing of the attempted loan refinance with my parents. Please help us. This company is supposedly associated to the company we currently pay our mortgage to. We are afraid of retaliation due to the current servicing of our loan. Thank you for any help you can give so other people that may be in our shoes get the same help. | ||||||
| 12/29/2019 | Yes |
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| On or around XX/XX/2019 we had applied for mortgage assistance due to loss of employment. We were current on payments throughout the process and received responses to our application for mortgage assistance in mid XXXX. By that time, we had found employment, so we were no longer in need of the mortgage assistance. The unfortunate part to us exploring this, is, that we think that as a result of the application for assistance, it triggered a review of our escrow account in which we had always managed the payments on our own for taxes and insurance. Due to this, our regular payments were applied to the escrow account and not our regular payments. These actions caused us to show as delinquent on the account. I had tried to resolved this several times by leaving messages, talking to several processors to be told it would be resolved. I also wrote in through the website to get this resolved. Again, we were never delinquent so I'm still not sure what triggered the escrow review to begin with as we have also never been delinquent on hazard insurance or property taxes. Now, because of the misapplication of funds into our mortgage to the escrow account, it has caused incorrect reporting to the bureaus and notations on our credit file that are incorrectly showing paying under and agreement. | ||||||
| 07/29/2022 | Yes |
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| Hello, my current mortgage is showing as an installment loan on my credit report. After speaking with XXXX XXXX and my lender, they informed me this should be showing as a real estate loan. I originally took my mortgage out with XXXX XXXX XXXX in XXXX of XXXX and they sold it to Lakeview Loan Servicing a month later in XXXX of XXXX. On my XXXX credit report, it shows that XXXX reported it as a real estate loan, but once Lakeview took over, they reported it as an installment loan. An installment loan is a personal loan or a credit card. My mortgage is NOT an installment loan. This is hurting my credit and I need this fixed immediately. The co-mortgager, XXXX XXXX, is also having this same problem. Both of our credit reports show : Real Estate Loans- {$0.00} / Installment Loans - ~ {$430000.00}. To the credit bureaus, this looks like I just took a personal loan or have a credit card for this amount. I really need this fixed so my mortgage starts helping my credit instead of hurting it. If you need any additional information, please call me or email me. I can provide screen shots of my credit report showing this is being reported incorrectly. I did submit a claim through Lakeview Loan Servicing 's portal 2 weeks ago, and never received a call or email back. Thank you for your time. | ||||||
| 04/15/2021 | Yes |
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Web | Older American |
| My mortgage payment is serviced Lakeview Loan Servicing LLC. It is subserviced by XXXX. The monthly payment is supposed to be XXXX monthly. XXXX XXXX was withdrawing XXXX biweekly and making the monthly payment. until XX/XX/XXXX. At that time they requested that the biweekly payment should be XXXX to cover additional fees. I made XXXX payments during XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. They have collected {$710.00} every XXXX weeks since that time. Each statement from XXXX states that a XXXX past due amount has been collected.each month. This is {$450.00} past due fees while I have never missed or been late on a biweekly payment. After making an extra payment in XXXX. Payments and past due fees were made on : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Bi-weekly payments were collected on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. I cancelled XXXX XXXX 's automatic bi-weekly withdrawal. I received my usual monthly statement from Lakeview stating that I owed XXXX again this month which included the {$91.00} Past due amount. I can not get them to answer the phone!!! I have tried many times on XXXX different phone numbers published on their statement!!! | ||||||
| 02/02/2022 | Yes |
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| In XX/XX/2020 I closed on a streamline refinance. During this refinance I wanted to put my husband on the deed of the home. Instead of filing the document to put him on the deed of the home the closing company put him on the Deed of Trust. He is trying to close on a home in Florida, he can not because when they did a title search, they found that he is obligated to the loan on my home in Maryland. He is not even a joint applicant on the refinance. When I called XXXX XXXX, Maryland Treasurer 's office they told me that a new Deed of Trust needs to be filed. I have called the original loan officer, the title company, my loan servicer, the processor, the closer, and back to my loan servicer. I have emailed and I have received no help at all from this company and they are all affiliated. I was told today that the only way to fix this error is to refinance the loan. I need help fixing this error and I am getting the run around. I have called : XXXX XXXX at XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX = XXXX Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX My Mortgage company is Lakeview Loan Servicing and the servicer is XXXX XXXX in Virginia XXXX Virginia. Lakeview Loan Servicing , LLC XXXX : XXXX XXXX Department XXXX XXXX XXXX Virginia XXXX, VA XXXX Please help me get this resolved. | ||||||
| 01/24/2020 | Yes |
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| We refinanced our mortgage Fall if XXXX. Our mortgage was purchased by Lakeview Loan Servicing. I made out first payment using their online system. Then I set up automatic payments beginning XX/XX/XXXX and then repeating kn the XXXX each month. I set this up using my checking account. I recieved a letter from Lakeview confirming that the payments would be automatically deducted from my account. I noticed on XXXX that the money had not been deducted from my account. I thought maybe this was due to XXXX XXXX XXXX XXXX. I emailed them on XX/XX/XXXX hoping to resolve the situation. On XX/XX/XXXX my husband called and spoke with 2 customer service reps. He was told that I had set up the account with our saving account, which is not true. He them requested to make a payment and was told to make the payment over the phone it would cost us an additional {$15.00}. We have also been charged a {$30.00} late fee. We requested that this be waived since my saving account was never on the auto draft account and I have money on my account to pay them. They are very shady and dishonest in their fees and I question the legality of these fees to pay over the phone. Also, I felt pressured to sign up for autodraft because if I didn't I would have to pay a {$5.00} fee every time I make a payment. | ||||||
| 09/29/2021 | Yes |
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| It started in XX/XX/2021, when I was told by Lakeview loan servicing/XXXX ( they hold my home loan ) that my XXXX mortgage payment got lost, they found out that they move my payment to another account holder without my knowledge. I have never missed any of my mortgage payments and they know because my payment record shows it. They assure me they will fix within the next days, 5 months have passed I call them literally once or twice a week. I have talked to numerous of their agents including supervisors and even agents that supposedly resolve this type of issues, up to this date nothing is been done. Today I spoke to one of their agents and she told I have two days to repay that lost payment, threatening me to report it to the credit bureau, a payment they lost! I have sent proof of payments from my bank that clearly shows payments posted to Lakeview not only once but several times. They have admitted that they got all my payments but they can not return my money to my account because is still under investigation ( its been under investigation for 4 months ) and I am paying the consequences. They have me over the edge, They have been sending letters threatening to foreclosure! I still hope this issue gets resolved soon so we get to enjoy our house we recently purchased. | ||||||
| 08/06/2021 | Yes |
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| I was offered a permanent modification with my first payment due XX/XX/2021 with this payment being made XX/XX/2021 and they posted it XX/XX/2021, there was no payment due for XX/XX/2021, my mortgage company Lakeview AKA XXXX XXXX has continue to report me more than 30 days late for each payment this year. All my payments this year were paid the XXXX of the month or before in the month it was due. I notice the reporting late XXXX early XXXX. I reached out to them and made a dispute. In XXXX they corrected XXXX XXXX XX/XX/2021. On XX/XX/2021 I called them and spoke with XXXX and advise her that XXXX was still being reported as more than 30 days late, she advise dispute was still open and by XXXX they will have an update. As of XX/XX/2021 I received notice from the credit agency stated that not only did they not correct XX/XX/2021 incorrect reporting, but now they have reported XXXX XXXX as late again. On XX/XX/2021 I called spoke with someone name XXXX provided her with details as to why I'm calling she placed me on hold for about 8-10 minutes then disconnected the call ( she did not attempt to call me back ). I called back and spoke with XXXX who advise me he would need to transfer me to Loss Mitigation nothing currently resolved as I have now been on hold for 26 minutes. | ||||||
| 08/26/2022 | Yes |
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| I applied ( through a state program with the Department of Economic Opportunity ( DEO ) - " HAF '' Homeowner Assistance Fund ) for mortgage payment assistance in the amount of {$1200.00} and was approved on XX/XX/2022. I was approved for the payment assistance to pay my mortgage payments for 18 months ( see attachment ) starting XX/XX/2022. I had called the HAF department 3 times prior to XX/XX/2022 to ensure that the payment was sent to my mortgage company. On XX/XX/2022, I was informed by a member of management with the HAF department that in fact they mailed the check in the amount of {$1200.00} to my loan servicer with a check number of XXXX had cleared on XX/XX/2022. After multiple calls to my mortgage company, they do not have confirmation of the check received from Department of Economic Opportunity ( DEO ) and OR the " HAF '' Homeowner Assistance Fund. There is there is only 2 business days left in this month before I am formally late and before this goes into another month of misapplied or no payments being confirmed by my mortgage company. ( Included XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX - ( XXXX ) XXXX - See attached mortgage statement reflecting loan servicer and no history of documenting the XX/XX/2022 mortgage payment from the HAF department ). | ||||||
| 02/25/2020 | Yes |
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| We have had to file multiple XXXX complaints against this company. They will not respond to emails, calls, etc. We have had nothing but issues with them. We have changed insurance companies, and they have mandated that we pay these policies in full, then they decide that they don't have to give the money back to us that we paid out to the insurance company. We have been emailing and speaking with the Compliance Department Director, as well as the letter had information pertaining to another one of their customers ( highlighted areas ) and have been advised that we are not entitled to the money that we have paid out to the insurance company. That it doesn't work that way. They will do a projection going forward of what we should be paying and the difference ( which is about 500.00 lower than premium just paid ) may be sent back to us. That all refunded funds are in the escrow account after they do the analysis. When we call they tell us one thing ( if we can actually get someone on the line ) and then the next time tell us they didn't say that, or something different. It took multiple faxes, and XXXX complaints just to get information updated for our property taxes. If you look up this company on XXXX they have a F rating and over 137 complaints for the same thing. | ||||||
| 07/13/2020 | Yes |
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| I contacted Lakeview Loan Servicing LLC to add an insurance policy from XXXX to be paid through my Escrow account. I originally was told to have the insurance company bill my Mortgage company and I received no update. I was then told to upload my insurance documents, which I did and still received no response from Lakeview. I contacted Lakeview today XX/XX/2020 at XXXX am and spoke with someone by the name of XXXX in the Escrow department, he said I reached the wrong department and that I need to speak with the Insurance department. I was transferred to the Insurance department and spoke to XXXX, who told me I reached the wrong department and needed to speak with the escrow department. I told her the escrow department told me I needed to speak with insurance. She stated my account type needed to be changed from non-escrow to an escrow account for the insurance payments to be made. My escrow balance is {$1000.00} and my insurance policy is {$530.00}. XXXX then transferred me back to the escrow department and provided me with phone number XXXX. After waiting over XXXX mins I was hung up on. I need to simply change my escrow account from non-escrow to escrow account and to have my insurance premium made from escrow that is suppose to cover my taxes and insurance. | ||||||
| 05/26/2021 | Yes |
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| We refinanced our home loan and the previous mortgage was paid in full on XXXX. We did not receive our escrow check, ( {$2200.00} ), so I called to see where the check was/is. They told me I had to wait thirty ( 30 ) days after the check was mailed before I could request a new check. I waited the prescribed thirty ( 30 ) days and called back. I was told they would " overnight '' the check to me at the address I provided them which is different from the home address, I am out of town working. I then called for the third time on XX/XX/XXXX and was told " We mailed the check on XX/XX/XXXX ''. I replied I find that hard to believe since that was a Sunday! They then said " Oh it was processed on XXXX and mailed on XX/XX/XXXX. And yes we do work on Sunday. '' They said it was not overnighted but sent regular USPS mail. I called back today, XX/XX/XXXX, and am now told, it was mailed on the XXXX of XXXX, the same date as my last call AND sent to the address where I am not because I am out of town working as previously mentioned. I am now told I will have to wait yet another thirty ( 30 ) days after XX/XX/XXXX before I can call back and request a new check. However, this time the person assures me she has put in the correct mailing address and they will overnight it. | ||||||
| 01/07/2021 | Yes |
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| My Name is XXXX XXXX I have a mortgage loan with Lakeview Loan Servicing. My loan # isXXXX. I live at XXXX XXXX XXXX, XXXX, TX XXXX. I made a one time payment of {$1400.00} that was charged to my bank account on the XXXX of XXXX. Then an auto draft payment was charged to my bank account for the amount of {$1400.00} XX/XX/XXXX. I never setup Autodraft and I did not authorize this payment. I called customer support and the agent # XXXX said my account was somehow setup for Autodraft but she didn't see when I requested to have it setup. Because I never setup Autodraft. The agent told me I needed to write Lakeview Loan Servicing and ask for a refund. I wrote them on XX/XX/XXXX at XXXX. I also got charged a fee for having insufficient funds by Lakeview Loan Servicing. Who has money to make two mortgage payments a month? Not me and now my car payment is going to be able to go through because I don't have any money in my bank account thanks to Lakeview Loan Servicing. I have yet to hear back from Lakeview Loan Servicing and my bank account has been overdrafted for 2 days now. I would really like a refund and for them to remove the {$34.00} fee for insufficient funds. They robbed me and I can't get a hold of them. Please help. Thank you, XXXX XXXX XXXX XXXX XXXX | ||||||
| 05/29/2020 | Yes |
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| I contacted loan care on or about XX/XX/XXXX, inquiring as to why our property taxes had not been paid, as we received a final notice from the XXXX XXXX XXXX Department advising taxes had not been paid. Not only did I call, I also filed an online inquiry through our account portal. I was advised by XXXX XXXX that a ticket had been opened and they were working to resolve the issue. I had to contact XXXX XXXX again in XXXX as they did not apply our monthly payments correctly. While speaking with them, I advised them that I still did not receive a response advising that our property taxes had been paid from escrow. I was advised then they were in contact with XXXX XXXX XXXX Department and were set to be paid. On todays date, XX/XX/XXXX, I received notification that our property was sold on XX/XX/XXXX for {$140000.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. The notice advised that the buyer may institute an action to foreclose the property. We have never been late on a payment, short on the payment, etc. I filed a complaint on the same company back in XX/XX/XXXX for a separate issue and have had numerous issues with this company. After conducting extensive research, this company continues to do conduct business in such a manner. | ||||||
| 01/31/2018 | Yes |
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| We are receiving notice from the township that our property tax has not been paid and we are delinquent. We placed several calls to LAKEVIEW LOAN SERVICING to inform them that the township has not received the property tax payment. We were told that it has already been sent. The first notice was for XX/XX/XXXX and the second notice was for XX/XX/XXXX outstanding tax dues. Currently, we are given notice that our home will be placed on lien if XXXX XXXX XXXX can't provide supporting documentation that the payment has been mailed, cleared and received by XXXX XXXX, NJ. We are given untilXX/XX/2018to make the payment. We were told that they do not have access to these supporting documentation available since they use a third party company to disburse funds. I have spoken to a supervisor to assist with the issue but has not returned any call for an update. I am hoping this agency can assist me in this matter. I have a mortgage account and escrow account in good standing and it is unfair to put us through this situation when we have more than completed our obligation, to pay our mortgage on time. We have sent a copy of the delinquent notice the moment we received them. We have placed repeated calls sincXX/XX/XXXX but XXXX XXXX XXXX has not resolved this issue. | ||||||
| 04/14/2022 | Yes |
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Web | Servicemember |
| For whatever reason my scores are so much lower with XXXX than the other two reporting agencies. They have me at XXXX whereas Im at XXXX on XXXX and in the high XXXX with XXXX. I dont get it. It doesnt seem to move. I had asked them last year about my score. They said a previous mortgage company gave me a bad score. I got rid of them for harassing me via XXXX deliveries almost daily to refinance my home through them. And my bank sent a double mortgage payment in error and they would not send it back electronically. They made me wait for weeks to get it back. I informed them at that time I would refinance with someone else if they held back with my money. Ive never heard of this company until they started soliciting for my mortgage via mail at first. And some how they were able to take over my mortgage. If I knew about CFPB I would have filed a complaint against them. At this time I received a letter from them a week and a half ago saying their data was breached and my personal information was compromised. Lake View XXXX XXXX is there a way to have my personal removed from companies I no longer use? Cause at this point Ive been advised my ssn is on the dark web. I have security freezes and other security measures on my credit through the credit bureaus. | ||||||
| 04/09/2021 | Yes |
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Web | Servicemember |
| Home owners insurance not paid out of escrow account by lender. It is now XXXX the insurance premium was due XXXX. My mortgage is being serviced by Lakeview loan servicing company. I have contacted them numerous times by phone and text and have not been able to resolve the issue. On XX/XX/XXXX lakeview asked me to contact XXXX XXXX owners insurance and have them fax a copy of policy renewal. I did this. I was then contacted by XXXX XXXX by text stating it was taken care of. I contacted XXXX on XXXX. Still not paid. On XXXX lakeview said they paid. XXXX XXXX not paid. On XXXX XXXX called me said my insurance was cancelled due to lack of payment. XXXX Stated they were going to try to help me out by writing a new policy and resending bill to Lakeview and give them another 30 days to pay. We discussed that under the Respa law that lakeview is responsible for making timely payments from funds that are in my escrow account. Lakeview told me I need to pay XXXX directly to avoid cancellation but they also told me it was paid on XXXX way after due date. I do not have funds to pay directly that is why I have an escrow account. Lakeview has been paying XXXX My home owners insurance since XXXX and I have not had any changes to my mortgage or home owners insurance. | ||||||
| 03/05/2018 | Yes |
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| I have been trying to remove the PMI payment off of our mortgage and called to confirm the amount over & above the mortgage payment that would bring our loan to value to below the required 78 % on XX/XX/XXXX I was told it was {$12000.00} and we qualified as we have had the mortgage over 5 years and never missed a payment! I transferred the monies and it was in our mortgage account on XX/XX/XXXX I have the confirmation from XXXX XXXX, I have emailed 5 times and called 5 times and now spoken to a Supervisor called XXXX ID Number XXXX and they are telling me I now have to wait until XX/XX/XXXX! to get my refund back when they are still charging me for the PMI when I have contacted them numerous times to have it removed and refunded. Please can you help me. They ignore my emails, they ignored my written correspondence, they have never returned any of my calls, yet they have charged me {$230.00} x 2 PMI and still continue to charge when my LTV is lower, I did not pluck that amount out of the sky to reduce my mortgage they told me the amount, they record all their calls so they need to listen to them and refund me the money they are charging me, I have wasted hours and days on this, I pay my mortgage I have never missed a payment and yet they penalize me! | ||||||
| 12/06/2021 | Yes |
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| We were in forbearance but wanted to get out of it & make the payments which were exuberant, so we tried to remodify the payments which we thought happened as it seemed to be in an affordable amount but REALLY it wasn't as we didn't factor in the XXXX XXXX XXXX so when they submitted the changed amount we saw ONLY THAT & agreed to it, THAT amount was {$300.00} less than what we initially was paying which was great, what we wanted however that amount didn't reflect the XXXX XXXX XXXX which was another {$200.00} which means it was ONLY {$100.00} difference which didn't HELP much! Before signing anything I tried to consult with the attorney that we were appointed to help us with sale of the house, XXXX XXXX he blew us off, no help at ALL! When I requested a renegotiation with the mortgage company, THEY said they couldn't revisit the situation for another XXXX yrs. & NOW they've gone up another {$31.00} dollars on the mortgage because the say that the reserve is {$200.00} low & it has to be built back up.. We weren't asked they JUST accessed it to us. I'm very upset about this as we are struggling, income has definitely been impacted since Covid & I don't wan na do forbearance AGAIN, JUST want to pay an amount that's affordable $ 600-700 monthly. | ||||||
| 11/28/2023 | Yes |
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Web | Older American |
| Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the servicer of my loan. They are impossible to reach. I've tried online numerous times and system won't let me log in. I've called ( & today find their system is down ), gone through their telephone prompting but am never given the opportunity to speak to a real person. They showed they took XXXX out of my escrow account to pay my insurance weeks ago. But my insurance was due on XX/XX/23. I've contacted my insurance company to see if they received the payment and they have not. Today Lakeview 's automated system tells me they issued a payment to my insurance company on XX/XX/23 ( 2 days after the due date ). This means my insurance company started cancellation proceedings. Last year Lakeview tried to pay the wrong insurance company ( one which I never had an insurance policy ). It took a long while to get this corrected. Today I paid my policy so it wouldn't be cancelled. I want Lakeview to transfer my loan servicing to a reputable loan servicer or allow me to drop the reserve account ( at no cost to me ). I was in the mortgage business for 35 years and have dealt with numerous loan servicers both professionally and personally. Lakeview is the absolute WORST!!! | ||||||
| 02/13/2021 | Yes |
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| I had an initial mortgage with loan care ( see prior CFPB complaint ) that was finally refinanced after 7 months. I completed the closing and brought the XXXX dollars they said I needed to " catch up the escrow ''. The home that was refinanced was sold on XX/XX/2021. The closing has been pushed three times due to Lakeview not providing pay off, and payment information. The closing is now on hold because lakeview didn't pay the taxes from the escrow at the refinance. After a week of phone calls I was informed with the real estate attorney who is doing the closing for the buyer that Lakeview took the escrow funds for themselves as closing costs, plus the XXXX they had me to bring to the closing. The real estate attorney says there is something very fishy about this as there was no appraisal or appraisal costs and that from the documents I have the taxes are listed as an expense and not one to XXXX. No one was able to say what over XXXX was spent on. He also informed me that they can not just reallocate escrow to themselves. If the escrowed amount is to be used as intended. At this point the initial XXXX in taxes is now XXXX due to late fees and interest. The taxes must be paid for the sell to go thru as the contract can not be extended again. | ||||||
| 10/15/2019 | Yes |
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| My loan was bought by Lakeview loan servicing. The company found out I was unemployed and told me I would qualify for a program to help if necessary. They never told me I would not be able to make payments during the approval process. I have applied about 6 times since early this year. They have times out the process everytime because every single time, they asked for more and more info, being completely different everytime. It has been impossible to get everything they ask for, different things everytime through the process, and after 30 days they time it out, and make me reapply each time. I never would have taken this advice from Lakeview if I knew this could happen, and now the house is in foreclosure. I have been lied to and told different info from every single person I talked to thru Loss Mitigation. I can nit lose my house, and would have no where else to move to. I've been trying to make payments every month, which was denied. I will appreciate any and all help to resolve this. I never imagined I could be lied to so many times by my loan company to take my house away. I was told by a title company how many people have been scammed by Lakeview, and to now immediately put kn a complaint to receive help through your agency. Thank you. | ||||||
| 07/31/2019 | Yes |
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| On XX/XX/2019 I began the 'Recasting '' process with Lakeview Loan Servicing Attn : Consumer Solutions Department XXXX XXXX XXXX XXXX XXXX, VA XXXX by requesting their procedures, after waiting 2 weeks for a response I called them. After 3 more weeks they sent me the wrong paperwork & I had to start all over again. In the meantime on XX/XX/19 they instructed me to wire the funds which I did, {$90000.00} for the recast plus the {$300.00} processing fee. When I finally got the correct documentation via email I signed & had notarized the documents and emailed them back to XXXX. I received no confirmation from them of any kind not for the wire & not for the documents, so of course I called to confirm & they received everything. I then spoke to a Supervisor who assured me she would expedite this process & promised it would be completed by XX/XX/19 the 60 days they say it takes to complete. Here it is XX/XX/19, I called again to find out what's going on & I am told they are sending me more documents to sign & notarize as of XX/XX/19!!!!! I know have been on hold for a Supervisor for over 1 hour, I have had enough of this runaround & would like someone to investigate this company for possible fraud & at the very least LACK OF & NO CUSTOMER SERVICE. | ||||||
| 08/04/2023 | Yes |
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Web | Servicemember |
| I received a letter from my Mortgage lending company ( Lakeview Loan Servicing LLC ) stating they did not have proof of Home/Hazard insurance and therefore are going to be placing forced insurance on my account. I have an escrow account through Lakeview, therefore they are responsible to pay the home insurance premiums in a timely manner. ( Refer to 12 CFR 1024 Real Estate Settlement Procedures Act Regulation X ). XXXX XXXX XXXX began contacting myself and Lakeview Loan Servicing LLC in XX/XX/2023 for the upcoming renewal of the annual premium for home insurance in XX/XX/2023. Multiple attempts were made to receive payment from Lakeview Loan Servicing yet no payment was sent. Lakeview Loan Servicing failed to send payment on time and subsequently caused XXXX to cancel our policy. I have been on the phone with Lakeview for 2 hours telling them they failed to pay and now we are being punished with this increased forced insurance. Lakeview Loan Servicing sent a check to XXXX on XX/XX/XXXX, overnight, being received on XX/XX/XXXX. ( See attached documents for tracking number for check mailed ) 6 days after the final pay date, which by then was sent in vain. XXXX returned the check because the policy was, as stated, cancelled due to non-payment. | ||||||
| 05/26/2022 | Yes |
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| On XX/XX/XXXX, I signed an FHA COVID-19 Modification for pandemic relief, that included attorney fees {$47000.00}, On XX/XX/XXXX, XXXX, cease sending me monthly statement to accurately reflect current balance, or payment history. On XX/XX/XXXX, I begin to receive a monthly, statement from Lakeview who is also a servicer of the loan for an amount of {$13000.00} indicating mortgage payment indicating that in the Delinquency Notice section that " you are late on your mortgage payments '' failure to bring the loan current may result in fees and foreclosure, with the possibility of losing your as of XX/XX/XXXX, you are 45 days delinquent on you mortgage loan. When I called on XX/XX/XXXX spoke with XXXX agent # XXXX and ask why they are sending me late notice when my account is current with XXXX I was told lakeview is collecting attorney fees and corporate fees and attempting to foreclosure on my home if I do not request another covid-modification. In addition, to filing this complaint XXXX, indicated on XX/XX/XXXX, in complaint XXXX to the CFPB the total amount to be paid included fees and charges to the CFBP but is unwilling to make the FHA Covid-19 Correction as stated in their XX/XX/XXXX, letter of response causing CFPB to close the account. | ||||||
| 12/01/2020 | Yes |
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| My mortgage loan got sold and the servicing moved to a different servicer ( XXXX/Lakeview Loan Servicing ) on or around the first week of XX/XX/2020. During the process and before this was communicated to me I made a payment ( {$3300.00} due + {$720.00} of extra payment ) to the previous servicer that is yet to be transferred to the new servicer. Since XX/XX/2020 and up to today ( XXXX XXXX ) I have been receiving daily harassing calls requesting payment of the allegedly missed amount, even if I called them multiple times explaining the situation. After receiving a call yesterday the XXXX telling me that the issue will be solved and making my due + principal payment for the month of XXXX ( {$3300.00} due + {$720.00} extra principal ), I have received a letter today ( XX/XX/XXXX ) notifying me that they will be reporting that I am late to the credit agencies. All this on violation of the 60 days moratory for this actions during a servicing transfer. To make matters worse, the agents at Lakeview told me that they could not do anything to stop the harassment unless a payment was made over the phone and even suggested illegal approaches as returning the payment I made to the previous services and make an additional payment to them instead. | ||||||
| 10/22/2020 | Yes |
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| I have a serious concern - AGAIN - of what XXXX is doing with our escrow money. Last year ( XXXX ) we had to contact the CFPB for homeowners insurance fraud and escrow fraud on XXXX XXXX and it appears we have problems again. Here are the 2 problems : Our homeowner 's insurance is not {$460.00} as it states on XXXX 's online info. It's actually {$480.00}, we just received the bill yesterday - XX/XX/XXXX. Our last XXXX statement said we had an escrow balance of {$3600.00} on XX/XX/XXXX and today ( XX/XX/XXXX ) it states we have a balance of {$1600.00}. Our property taxes are only {$980.00} - which should be an escrow balance of {$2600.00}. I have 2 documents to prove this amount. This is the 2nd time we have had fraudulent activity with this company involving our escrow balance and homeowner 's insurance. Lakeview Loan Servicing did not pay our homeowner 's insurance last year, trying to tell us we had to purchase their insurance for a maximum premium. They tried stealing our escrow money and until we contacted CFPB, we got it back. I emailed and sent in the 2 documents to XXXX complaining about this issue. Please investigate XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) This is the 2nd time we are dealing with this XXXX!! | ||||||
| 01/02/2024 | Yes |
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Web | Servicemember |
| Lakeview Loan Servicing LLC has failed to pay my Flood Insurance and Homeowners insurance from my escrow account, IAW RESPA. My insurance provider, XXXX XXXX via XXXX, sent a letter to my loan servicer Lakeview Loan Servicing LLC on or around XX/XX/XXXX to renew my insurance policy. Lakeview failed to make a payment at that time. Another letter was sent in XXXX ( Date Unknown/Unclear ) and again my mortgage provider failed to make payments on my behalf IAW the RESPA regulation . I was unaware of the failings of my Loan Provider until today XX/XX/XXXX, when I received a letter of Policy Termination from XXXX XXXX. I called my loan provider and was given the run-around stating that the insurance provider canceled my policy " out of the blue '', I then called the provider who notified me that they had sent the letters as mentioned above to the Loan Provider, while also providing me with copies of those letters. I called the loan provider back, and they stated that they had placed loan-provided insurance, I then asked for proof of this. They provided me with the canceled policies, which are not active. I do not have insurance on my home because my Loan provider failed to pay for it, even though I have a valid and active escrow account. | ||||||
| 01/02/2020 | Yes |
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Web | Servicemember |
| We refinanced our home thru XXXX and closed on this refi on the XXXX of XXXX. Our original lender Lakeview Loan Servicing refused the payoff from XXXX citing that Lakeview sent out our property tax payment to XXXX XXXX. I was not notified of any of this until the XXXX of XXXX, when Lakeview called me to tell me I was past due on my mortgage by 15 days. I called the title company, who then informed me that Lakeview had refused the payment due to it being sort XXXX dollars due to the escrow payment. The title company had sent out the property tax payment as well, and the county cashed that check, and returned the check to Lakeview. They are refusing to acknowledge this happened, even though the county verified that they did not cask the check from Lakeview. So they have been unwilling to do anything besides charge me a late fee and demand I continue to make payments to them. XXXX sent a check as a paydown, so that I didn't owe a late payment to Lakeview, in order to get all of this settled, but Lakeview has refused the paydown of XXXX ( the original payoff quote they gave the title company ). I do not know what to do, as I have a balance of XXXX owed to both Lakeview and now XXXX. XXXX has been trying to fix it but Lakeview keep refusing. | ||||||
| 02/12/2020 | Yes |
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Web | Older American |
| My home mortgage is with Lakeview Loan Servicing at XXXX. XXXX XXXX XXXX XXXX, VA XXXX. Loan # XXXX In XX/XX/XXXX I purchased a new homeowner 's policy with XXXX. I notified the mortgage holder and they paid with money in my escrow account. XX/XX/XXXX they were supposed to renew policy with funds in the escrow account. I discovered in XX/XX/XXXX that the policy had lapsed so I had to rewrite policy with my agent. The premium was paid with funds in escrow. The mortgage holder informed that I needed to show proof that I had insurance for the lapsed period or they would force place a policy for the " past '' year. My complaint is that I was not informed that my coverage had lapsed when it actually did when the company failed to renew policy that was in place. No coverage was issued at that time in XX/XX/XXXX, I was not informed that I had no coverage. And I can not understand how any Insurance agency can issue a policy for the " past ''. The company has already paid for this policy with funds in my escrow account leaving me with a negative balance and increased my monthly payment. I am retired and living on social security benefits. This increase will place a hardship on me for some time. I ask that you please look into this matter. | ||||||
| 12/17/2018 | Yes |
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Web | Servicemember |
| After several attempts to recoup the overpaid dues in escrow XXXX and Lakeview Servicing have used several different attempt to use errors in accounting to deceit the buyer into a larger escrow balance than what is due. {$6200.00} over 12 months would be {$520.00} every month. They have charged an excess and have even made statements like you failed to pay a supplemental tax, they provide no proof of this. After even emails with the compliance director of Lakeview she tried to explain the reasoning of the issues. She stated that there are no errors and that if I have an issue that I should contact XXXX. The issue I have is {$520.00} is missing from escrow. I have identified what we should label money laundering. They state the overage is {$1200.00} where they only have bills and receipts for a total of about {$4500.00}. {$2600.00} for hazard insurance and {$1900.00} for taxes. This is a total of {$4500.00} if ytd over XX/XX/2018 to XX/XX/2018 XXXX is over. They only issued a check for {$1200.00} so where is the remaining {$520.00}? That seems very close to the missing money from escrow. Please identify issue and reprimand both companies and all associates involved as CFPB was already contacted on this issue with a falsified response. | ||||||
| 11/09/2020 | Yes |
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Web | Servicemember |
| I am in the process of refinancing my home with a VA IRRL. I began the process at the end XXXX with XXXX XXXX at Lakeview XXXX # XXXX. I have requested NUMEROUS updates and received nothing until XX/XX/XXXX. I was notified on the XXXX that my loan was approved and that I needed to hurry up for closing on the XXXX of XXXX. I was never updated on the status of my file prior to that. Under ECOA I should have be given some type of disposition within 30 days of application ; that NEVER happened. On the XXXX the processor cancelled my closing and has yet to provide me with an update for rescheduling my closing. I have left messages for the processor, processing manager and loan officer 's manager ; NO ONE has responded. The loan officer suggested that I contact another lender. I can only assume that this is avoid additional costs that they don't wish to incur as a result of the delays. It is unfortunately these types of transactions that give lending a bad name. I hope that someone takes this more serious than Lakeview has done. My loan # XXXX These delays have cost me the ability to save on my rate as pricing has changed since XXXX and they are not willing to close my loan due to errors on their part that we cost them money. thank you | ||||||
| 08/27/2019 | Yes |
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Web | Servicemember |
| My spouse filed Ch. XXXX the first of XX/XX/2019, she is not on the mortgage and I did not include this loan in the settlement. Immediately after Lakeview Loan Servicing LLC received a courtesy notice of the spouses ChXXXX. They promptly pull account in into their bankruptcy section, tried to overcharge me for property taxes, which wife attorney called them on. Now they are charging me approximately {$1100.00} for their attorney fees for an account that was never officially include in the actual bankruptcy. I tried to call them a few week after the filing when I could no longer access my account online. The representative treated me like I filed for bankruptcy ( very poorly ) and said they are entitled to take such actions solely because Texas is a common law state. I asked if I could speak to a supervisor and they said one was not available and he would re state the same policy. I am a XXXX XXXX veteran and the purchase on my home has been the first benefit I have used after 20 years of service, this company has ruined this thus far. I feel this company is trying to seek fees and extort this situation just for profit, which is very concerning that is a common business practice for the 4th largest mortgage company in the USA. | ||||||
| 02/18/2019 | Yes |
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| Taxes are not being paid from escrow ; XXXX XXXX 's property taxes were not paid in full. XX/XX/XXXX 's Irrigation Tax was not paid at all. XX/XX/XXXX 's property taxes were not paid. We received a delinquent tax notice from our county assessors office on XX/XX/XXXX. Since XX/XX/XXXX we have contacted Lakeview Loan Servicing LLC 17 times, have been told on 4 occasions that they would be paid but they are still delinquent. Also note, our XXXX form XXXX is incorrect as it does not reflect all taxes for XXXX that should have been paid since only a portion was paid. Dates of contact XX/XX/XXXX XXXX calls to lakeview to initiate correction of delinquent taxes XX/XX/XXXX 2 follow up calls to learn what action would be taken told they would be paid soon XX/XX/XXXX 1 follow up call XX/XX/XXXX 1 follow up call was told the taxes would be paid in a few days XXXX/XXXX/XXXX 1 follow up call XX/XX/XXXX 4 calls was told the taxes would be paid no later than XX/XX/XXXX XX/XX/XXXX 1 call to determine why they weren't paid on XX/XX/XXXX - no reason given XX/XX/XXXX 1 call was told they would be paid on XX/XX/XXXX XX/XX/XXXX 2 calls to determine why they were not paid on XX/XX/XXXX - nobody knows why or when they will be paid at this point. | ||||||
| 06/07/2021 | Yes |
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Web | Servicemember |
| I refinanced my mortgage with Lakeview closing is XX/XX/2021. I was told by the company that my payment would decrease by $ XXXX month. At the time of closing, the payment was not lowered and I expressed concerns about the total payment but was assured it work be fixed once closed. The reason the payments were higher then expected was due to taxes being doubled. I waited for the the fix to be corrected, but Lakeview did not fix. I contacted Lakeview in XXXX and was told it would be corrected. I was requested to send the latest tax information. It was confirmed that Lakeview received the tax info and verified the tax was doubled. I was told that the tax info would be updated and the a new escrow analysis would be completed. In XXXX and XXXX, the tax amount was not updated and I was told to just pay the extra amount. In XXXX, again contacted and was told the issue would be taken care of. Today I called and found this the tax info was updated but then reversed and that my payment was not adjusted. So again, the customer reps have reopened the case to have the tax amount corrected and the escrow analysis be completed to show the correct amount. However I have no faith that it will be completed as I have tried for 3 months in a row. | ||||||
| 03/29/2021 | Yes |
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| I requested PMI be cancelled on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, I requested a statement showing what my previous PMI payment was prior to it being cancelled. I never received a response. I also called to obtain that information but the representative I spoke with could not tell me. After cancelling my PMI I expected my mortgage payment to be slightly reduced, but I have continued to pay the same amount ( XXXX ) for XXXX, XXXX, XXXX and XXXX. I have been unable to get answers from the Loan Servicer. None of my statements reflects the amount of PMI I was paying. I don't understand why no one can tell me how much I have been paying in PMI. I should be owed a refund of any PMI payments that I have made after PMI was cancelled. I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, but have yet to receive a response even though the deadline was XX/XX/XXXX. After filing the complaint I interestingly enough did receive an escrow analysis document informing me that my payment would be increased beginning in XXXX. But that still does not account for the payments I have made this year that apparently included PMI even after it had been cancelled. My mortgage is currently serviced by Lakeview Loan Servicing. | ||||||
| 02/03/2020 | Yes |
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| Lakeview Loan Servicing LLC/ XXXX mortgage company has taken payments for homeowners insurance out of my escrow account 3 times over the past 3.5 weeks ( dates XX/XX/2020, XX/XX/2020, and XX/XX/2020 ). There should have been only one payment taken out for the amount of {$990.00} on XX/XX/2020. Instead, the total amount taken out was {$2900.00}. They paid the wrong insurance company twice and then took another payment out before replacing those funds. I was told that all funds would be reimbursed to me by XX/XX/2020 ( one reimbursement would be made no later than XX/XX/2020 & that the other would be reimbursed no later than XX/XX/2020 ). As of today, they have replaced only {$990.00}. I am still owed {$990.00} back into my escrow account. I have been back and forth with Lakeview Loan Servicing , LLC at least 5 times since XX/XX/2020. I am attaching the payment history on my account to this email. Please note that I was also told numerous times that they could not guarantee that my monthly mortgage payments would not go up while this was all straightened out, which is completely unacceptable since this is a self admitted error by XXXX. My account number is XXXX. My name is XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX, AL XXXX. | ||||||
| 07/03/2018 | Yes |
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| 8 weeks ago my mortgage was raised by XXXX and when i contacted lakeview loan servicing my lender they told me my property taxes were raised and they could not explain why. I contacted the county of XXXX XXXX counties office of the assesor and discovered my deed restricted home 's value ( BMR ) was recorded at the full amount. As of XX/XX/2016 the purchase date, my home was recorded at the value of {$680000.00}, instead of the restricted value of {$380000.00}. I provided all the documentation to the county who made the correction and provided me documentation of the mistake. As a result, my lender overpaid my 2017-2018 taxes by over {$3000.00} and had overdrawn my escrow. I contacted lakeview and provided them with all the documentation stating the mistake from the county and a new tax bill showing the correction and I cant get anyone to respond to my emails or my calls to fix this situation from lakeview. Last month I had to pay an extra {$600.00} on my mortgage and this month an extra {$250.00} and every time I speak with a manager who says they will call me back, no one does. They tell me there is no one that can take my call and I have overpaid this lender almost {$4000.00} and no one is willing to explain how to fix this. | ||||||
| 04/01/2021 | Yes |
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Web | Servicemember |
| In XXXX of 2020 I refinanced my VA home loan in order to take advantage of lower interest rates. My loan was previously serviced by XXXX XXXX XXXXXX/XX/XXXX, with property taxes paid monthly into escrow. It is now serviced through Lakeview Loan Servicing, with property taxes paid monthly into escrow. When I tried to file my 2020 taxes, I reviewed the XXXX from each bank, and both showed that no property taxes were paid for 2020. I contacted XX/XX/XXXX and they said that since property taxes are paid in XXXX, they did not pay them and the money went to Lakeview Loan Servicing. I have spent weeks trying to contact Lakeview Loan Servicing to find out why they didn't pay my property taxes and what happened to the {$7000.00} I had paid into escrow for that purpose. Lakeview Loan Servicing does not have a valid customer service phone line, it is completely automated and there is no way to reach a human to ask a question. There is a message system that makes it look like someone will call you, but I have submitted more than 30 messages with no response. I don't know where else to turn for help. I don't understand how the company can just not allow contact from customers and take thousands of dollars with impunity. How is that legal? | ||||||
| 12/05/2019 | Yes |
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| My husband and I recently refinanced our home. We were issued a payoff notice from Lakeview loan servicing on XXXX for a total payoff of {$230000.00} good through XX/XX/XXXX. We closed and funded on XX/XX/XXXX and our escrow company wired the payoff amount of {$230000.00}. On the XXXX, we received a call from Lakeview loan servicing stating that they had rejected and were returning the wire paying off the loan. We immediately informed the escrow officer who called and was on hold with them for over 45 minutes before she was disconnected and was unable to get through to them again. The small bit of information she was able to glean was that the payoff amount had gone up with no additional explanation provided. After multiple additional phone calls and emails, our escrow officer finally received a response on XXXX with a NEW payoff amount of {$230000.00} which was issued on XX/XX/XXXX. AFTER we had closed the loan. Our original payoff, received XXXX, was good through XX/XX/XXXX so this should never have become an issue. At this point, we have spent hours on the phone with their customer service members and has not been able to make any progress. They told usr that the loan will be reporting as delinquent if not paid in full. | ||||||
| 03/23/2018 | Yes |
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| I was in the process of doing an FHA streamline refinance that would have saved me significant money on my monthly payment. Towards the end, we were working with Lakeview Loan Servicing LLC to order a payoff. Lakeview stalled my originating lender by over 1 week in getting a correct payoff. My lender requested that my impound account be netted towards the payoff, which would reduce my cash to close by {$XXXX}. At the last minute, XX/XX/2018 after a lot of effort on behalf of my lender, they relayed the news that they would not do a netted payoff. This made it so that I had to come in with an extra {$XXXX} that I did not have, and I had to cancel the loan. My lender is willing to re-attempt this next month or anytime in the future if we can get a netted payoff. But if we can not, Lakeview has made it unnecessarily difficult to complete my refinance, which would have saved me over 10 % on my monthly payment. Additionally, this is egregious because since my loan has started, rates have gone up on average by 1 % - which makes an FHA streamline not doable. Therefore, I may lose out on savings for the next 29 years of my loan, because of Lakeviews unwillingness to have client centric policies in regards to netted payoffs! | ||||||
| 11/25/2019 | Yes |
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| XX/XX/XXXX, XXXX I contacted the payoff dept of Lakeview Loan Servicing , LLC . They provided me with the payoff amount for our loan and stated the full escrow payment, including my insurance pay out would be dispersed within 21 days. They received the full payoff of our loan on Friday, XX/XX/2019. XX/XX/2019 - I received my escrow check for the {$2700.00} but not my insurance amt of {$100000.00}. I waited since I thought this might take additional time, and my family was dealing with a death in our family so it wasn't a top priority for me at the time. XX/XX/XXXX, XXXX I called Lakeview Loan Servicing , LLC . and spoke with several customer service reps to get an update on my additional insurance funds of {$100000.00}. After 1.5 hrs on the phone ( mostly on hold ) no one could tell me the status of these funds, if they were released, pending release or when I could expect my check. They stated they would submit a request to have a supervisor contact within 24-48 hrs. This is the 2nd major issue we've had with XXXX XXXX within 6 months. This company is way over due for an audit to determine what steps should be taken to monitor their lack of business ethics to protect other consumers. Sincerely, XXXX XXXX XXXX | ||||||
| 09/18/2023 | Yes |
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| From XX/XX/XXXXXXXX until present my tax payment has been collecting {$650.00} monthly based on an estimated tax of {$7800.00}. I'm not sure what their estimate is based on, but the XXXX taxes that were paid when I closed on the house was {$3600.00}. I called the county and they said based on the new tax estimate the mortgage company should be able to make and adjustment. I called the mortgage company on XX/XX/XXXXXXXX and asked how to have it adjusted. They said to send the proposed property tax that I received from the county, and they would review it and make the adjustment. I scanned it in and sent it in as requested on XX/XX/XXXX. I called and spoke to XXXX, who said they received the document, but the new payment was not based on a reassessment. She said that I could reupload it and give them until XX/XX/XXXXXXXX to reassess the taxes. I called again today XX/XX/XXXX, and they said they would not adjust it based on the fact that the documentation was an estimate not an actual tax bill. It can not possibly be legal for them to estimate over twice what the tax is, collect on twice what the tax is, and continue to collect twice the amount, when I have documentation showing the max tax would be {$4800.00}. | ||||||
| 03/20/2021 | Yes |
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Web | Servicemember |
| My XXXX payment was processed on XX/XX/2020. The company 's response is that they received a payment on XX/XX/XXXX and then a phone call asking for the payment to be reversed. If that is the case then there is an unauthorized user on my account. I did not call and ask that a payment be returned to me, I have no record of a payment on XX/XX/XXXX. I am concerned that there is a problem with account security or the company is mixing up my account with another. I first submitted a complaint because I was receiving communication about a missed payment when their automated system had record of the payment and I confirmed the funds were collected from the bank on XX/XX/XXXX. The company 's response is not matching the bank drafts. I have never had a late payment. I would like a detailed account history and the company to research this payment that they state was made XX/XX/XXXX as well as where they sent the payment they state they reversed. I have not received any such reimbursement nor have I requested it. If there was a disbursement made on my account I am requesting that they provide information on who the disbursement was made to, where it was sent, and how they could release such payment without my authorization. | ||||||
| 02/03/2021 | Yes |
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| I have been unsuccessfully trying to contact a human person at thiscompany for over two weeks. I have also put numerous requests thru the online system which also went unanswered. My concern is with my mortgage payment and I need verification that we will not be charged any fees for late payments. On XX/XX/XXXX, I mailed check number # XXXX to the company. This was for the Escrow shortage of the year. The check was for {$330.00}. As of today, this check has still not been cashed or processed. Secondly, on XX/XX/XXXX, I mailed in our monthly mortgage payment in the amount of {$2400.00}. This was check number # XXXX. After trying to get thru to this company and not being able to, I placed a stop payment on the check # XXXX and paid a {$30.00} fee with my bank to get this accomplished. I then completed a onetime payment on the website of {$2500.00} on XX/XX/XXXX so that our monthly payment would be covered, and we would not get a late fee. I then got notification that the check # XXXX has cashed! You can imagine my annoyance when this cleared. This check was returned, and I was charged a fee. At this time, the check for the shortage of {$330.00} has also been returned and we have a late fee on the account. | ||||||
| 07/02/2020 | Yes |
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| Our previous mortgage we refinanced in XX/XX/XXXX was serviced by Lakeview/XXXX. We had our property taxes escrowed with this mortgage and everything was fine for years. When the new loan began with Lakeview I tried to get property taxes escrowed again and its been a nightmare. They already had our county property tax details from our previous mortgage but still required me to send in current tax bill which I have done twice, have escalated the call to a supervisor named XXXX XXXX who now refuses to provide any updates or contact me back through phone or email. I received a letter from Lakeview which indicates an incorrect amount I am to be charged affective XX/XX/XXXX for my mortgage and XXXX confirmed it was inaccurate and would call me back - never heard from him again and this new mortgage amount is supposed to be active XX/XX/XXXX. They indicated in the letter that my monthly mortgage payment was going to be equal to the half yearly amount we owe for property tax I have been working on this issue since XX/XX/XXXX and I am not receiving anything close to normal customer service from this company and would like to see if you can assist? Please advise what other information I can submit. XXXX XXXX mobile XXXX | ||||||
| 04/21/2020 | Yes |
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| On or around XXXX XXXX, i contacted my mortgage company and followed their phone prompts regarding their COVID relief forbearance process. The phone message said their would be no negative credit reporting during forbearance if it was approved. after i few days, i heard nothing from the company until I received a call from a mortgage broker who was helping me conduct a refi for a different home i own. he said the credit report stated the loan was in forbearance and indicated this was a problem and would not be able to do the refi. Under the COVID forbearance/CARES act, there should be no negative reporting, but this mortgage company reports " forbearance '', which is negative in its impact to my ability to get another loan or other favorable credit decisions like passing a credit check for an apartment lease. I asked the company to stop reporting this as forbearance and they said they would not. I said this is stopping me from moving into a new home and refinancing my rental home. the reporting is going against the stipulations and the spirt of the CARES act. I may need to dispute the entire account on XXXX or end my forbearance with the mortgage company because it is causing more damage than it is helping. | ||||||
| 01/10/2020 | Yes |
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| I received a letter ( XX/XX/XXXX ) stating my escrow balance was low and had 2 options. Pay XXXX and have a new monthly payment of {$3100.00} or pay nothing and have a payment of {$3200.00}. I chose to pay the {$790.00} and started sending {$3100.00} every month. The {$790.00} was misapplied toward principal and that's when this started. Upon seeing this and the late charge I called the company and was assured. The late charge would be reversed and to keep sending {$3100.00}, which I have been doing. But it never gets fixed, meanwhile late charges keep accruing. XXXX Called was told the {$790.00} will be applied correctly and late fees will be waived XXXX called and spoke to supervisor XXXX ( # XXXX ) confirmed my new balance and waived late fees. She did finally fix the XX/XX/XXXX called XXXX ( # XXXX ) Same assurances. I even paid {$67.00} to square my account. I regret doing this and think it should be refunded. XXXX XXXX ( # XXXX ) Saw XXXX payment was misapplied and promised to fix XX/XX/XXXX - XXXX Said the late fees will be reversed and my XXXX payment would be all set. But it is never all set. The late fees keep piling on and my account is never corrected. I've been led on and they won't fix it. | ||||||
| 01/03/2020 | Yes |
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| I have two loans with Lakeview Loan Servicing. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XX/XX/2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XX/XX/XXXXto both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because Lakeview Loan Servicing could not prove me wrong. Whatever, Lakeview Loan Servicing did at the time, it seem the did not correct the problem in their system. Since my last communication with Lakeview Loan Servicing in XX/XX/XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point. | ||||||
| 01/29/2020 | Yes |
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Web | Servicemember |
| On XXXX XX/XX/XXXX, my mortgage servicing company charged me the amount of my mortgage ( {$1100.00} ). The mortgage servicing company then tried to charge me again on XXXX XX/XX/XXXX for the same amount for the same month 's payment. The result of this was an insufficient payment charge to my bank account ( {$29.00} ). The mortgage servicing company then tried to charge me again on XXXX XX/XX/XXXX resulting in another insufficient payment charge to my bank account ( {$29.00} ). Additionally, the mortgage servicing company added an insufficient payment charge to my loan account ( {$30.00} ). Due to the mortgage servicing company attempting to charge me for one month 's payment three times, I was unduly charged and additional {$88.00}. I called the company 's customer service line, who advised that it was an error on behalf of the company, and that it could be rectified by me sending the company my bank statement indicating the successful payment on XXXX XXXX and the subsequent charges. I sent the requested information through their customer service e-mail function shortly after and have since heard nothing from the company. I have continually had issues with this company, one which was handled by the CFPB. | ||||||
| 07/25/2019 | Yes |
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| Hello, My mortgage is currently being serviced by Lakeview Loan Servicing , LLC subservicing by XXXX. They are very frustrating to work with I wish I didn't have to work with them. I have submitted my proof of XXXX XXXX owners insurance to them a total of 4 times. 3 times through XXXX by calling XXXX and having them submit the correct documents, and another time directly through their website and even got a confirmation that I submitted the proof of homeowners insurance. But XXXX is still claiming they need proof of insurance. Every time I try to call them I wait on hold for over 30 minutes and I even try their call back feature and it never works. Today I was on hold for over 1 hour an still never spoke to anyone. I also paid for my XXXX homeowners insurance out of my own pocket, but that I why I have an escrow account, to cover my insurance but it was not paid for by the escrow account. So I need to withdraw funds from my escrow account to cover the money I spent. I also tried to submit a contact form though my online loan care profile but the website is broken and doesn't work. See attached screen shots of website broken, long wait times, website claiming they need my update homeowner insurance docs. | ||||||
| 06/10/2020 | Yes |
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Web | Servicemember |
| I refinance my home on XX/XX/20, this was the closing date. I identified a problem the week before with the tax information they were using to calculate my Closing Disclosure. They had the wrong property they were getting the tax information on. I even sent them the correct tax ticket. The loan closed, I was charged {$250.00} to pay a tax bill of {$34.00}. I have been trying to get Lakeview Loan Servicing to fix this. The closing agent they used has paid the tax bill and they are waiting for Lakeview to tell them what to do with the money. I'm a XXXX veteran, so I am exempt from paying taxed on residence and 1 acre of land. My tax bill for this property is for the additional 14 acres I own with it. This should of been fixed before closing, but that bridge has been crossed. I do not understand why it takes them over two weeks to correct this issue. I have sent them several request and I have called several times. They never formally responded to my first written request on line and they refused to put in touch with the escrow department. Lakeview Loan Servicing, PO box XXXX, Virginia XXXX VAXXXX. These folks are spread out, so this may not be the actual office that would handle this. Their number is XXXX | ||||||
| 08/22/2022 | Yes |
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| I was approved ( XXXX of XXXX ) by the XXXX for 18 months of forward payments. Despite being told this, and also being told that the payment was sent to my lender, the payment for XXXX was not applied to my account on the due date of XX/XX/XXXX. I then called and emailed whomever I could at all organizations trying to figure out when the payment would be applied, as its now past the due date and was just sitting there unclaimed. My issue is that my lender, XXXX XXXX has these funds sitting and no one that I have spoken to at the company has any knowledge of the program, or how to then apply these funds to my account. I am sure there is someone at this company who knows what the program is and how to apply the funds, but I can not contact them or get through to someone knowledgeable enough to help. I was approved for the companys listed below and havent received a single payment from any of them. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I applied for this program because I desperately need the help. Now XXXX finally approved after a struggling wait of 6 months just to know that payments arent being sent on time which now causes another problem of my credit tanking. Can you please help? Thank you | ||||||
| 01/03/2019 | Yes |
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| Over the course of the past year XXXX and Lakeview Loan Servicing LLC has misappropriated over {$7000.00} of my escrow funds. Out of my escrow account they have been paying county property taxes on three properties that I do not own and never have owned. Between XX/XX/2018 and XX/XX/2018 I contacted their customer service department 5 times ( including sending the attached certified letter with corroborating details received from the county ) letting them know what happened and asking for a resolution ( to refund the {$3700.00} ). In every instance they made promises to look into it that they promptly broke and/or they ignored my claims. Because of a death in my immediate family I was unable to pursue this further until on XX/XX/2018, I called customer service again, since they erroneously paid out yet another {$3800.00} from my escrow account. They again said they would look into it. Following up to the telephone call I sent them an email including a copy of the certified letter from XXXX with its tracking number. Two days after calling and emailing their customer service department with details ( on XX/XX/2018 ) they sent me a letter stating that they intended to sell my mortgage to XXXX XXXX. | ||||||
| 11/20/2021 | Yes |
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| I have been trying to refinance and XXXX is sending a notification to XXXX XXXX that there is a " Credit Enhancement '' and I am getting declined. I have tried to get this resolved with XXXX for over 2 months now. They have confirmed that there isn't a " Credit enhancement '' but aren't able to get it removed from my loan. They sent a dispute to the credit bureau but it isn't on my actual credit report it is getting sent directly from them to XXXX XXXX. Last year, I was contacted by them to see if I wanted to go into Forbearance. I was promised that there would never be any negative impacts. Just to be safe I chose to do it but I was never even late on any payments throughout the whole time. If this is what is causing me to get declined for my refinance I feel like I was lied to. I have contacted XXXX multiple times, I have been hung up and promised calls back and haven't been able to figure this out. It has been over two months and now the rates have gone up and I am still trying to get my house refinanced so I am really frustrated with how they handled this. Nobody can seem to get this off of my current loan or tell me why it is there and it is costing me literally hundreds of dollars a month! | ||||||
| 05/11/2017 | Yes |
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| Hello, I am having an issue with Lakeview Loan Servicing , LLC XXXX . XXXX XXXX XXXX XXXX , VA XXXX . I Paid my loan down to under 80 percent and submitted a request to remove PMI through an online portal submission. I did not get a response at all so I called customer service and the representative i spoke with said that I had to submit in writing through the web portal. I explained that I had already done so. She checked and did not see any requests for me. She suggested resubmitting and said that she could not help me. I resubmit, still no email confirmation or anything. I wait a few days and call back. This time the Rep said that I had to be under 78 percent or they would n't even pay attention to my request. I have been current over the life of my loan and though the documentation is confusing I believe that I should be relieved after 80 percent at my request. Well I went ahead and paid the loan down to below 78 percent and submitted the request again. It has now been another 2 weeks and I still have heard nothing. Three requests and two phone calls over a month and I still have not received a response. I believe that this co mpany is trying to continue charging me PMI illegally. | ||||||
| 07/21/2021 | Yes |
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| We where contacted by a pamphlet in our mortgage statement asking us if we where interested in refinancing on XX/XX/2021. We responded and spoke to XXXX XXXX of Lakeview Loan Serving. We sent him all the info requested. We tried to contact him several times with questions but he NEVER returned our calls. We then spoke to 6 other people who requested the same info. We again sent them the info requested and still no returned calls. We just got more e-mails requesting the same info, utility bills to prove our address like phone bills. We sent them this info AGAIN even by certified mail and XXXX XXXX signed for it. Still NO return calls. We even tried to have the phone company fax them a copy of our statement but they couldn't do it so my wife went to the phone company got a copy of the statement and sent it to them AGAIN. STILL NO PHONE CALLS. Today we received yet another request for utility bills for address proof. We believe they do not want to refinance our home even though we have been making mortgage payments for over 35 years on this home and a previous one and never missed a payment or was late. They have shady and unprofessional business practices and I hope you can do something, Thank You | ||||||
| 01/01/2021 | Yes |
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| I prequalified for a loan with XXXX XXXX XXXX, XXXX CO in XXXX 2020. I went under contract for a new construction home in XXXX 2020. I was paid for appraisal on XX/XX/XXXX ( after my Realtor reminded broker to order the appraisal ). I was scheduled to close XXXX. There were builder delays in closing pushing it to XX/XX/XXXX and then XX/XX/XXXX. Certificate of occupancy was issued XX/XX/XXXX. On XX/XX/XXXX, the broker did not have the appraisal to do disclosure notices to close. The appraisal was obtained XX/XX/XXXX but was the wrong property. An update was issued XX/XX/XXXX for the correct propety. Disclosures were issued XX/XX/XXXX and closure was scheduled for XX/XX/XXXX. Lender ( Lakeview Loan, XXXX XXXX, FL ) did not prepare closing documents. Closing rescheduled for XX/XX/XXXX and XX/XX/XXXX - still no closing documents. I have suffered losses due to delays, lost annual leave scheduled for move that hasn't happened, having to " restock '' my household goods in temporary storage, having to stay with friends, etc. I'm also in CO with the super covid bug now in outbreak. This is dangerous and I still have not closed on my home. I am still awaiting closing with no hope of it happening. | ||||||
| 09/10/2018 | Yes |
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| Since XX/XX/XXXX I have been attempting to make my account current and applying the funds under the correct category. There have been many letters sent, complaints made, and complaints uploaded to your site, CFPB. There has been no resolution as of today, XX/XX/XXXX and yesterday I received a inaccurate and offensive letter from XXXX XXXX. Today I have typed up a letter to send to him in regards to this letter, but I also decided to provide you all the information again pertaining to my issues with them over the past year as well as sharing his letter and my response. Over the past few months I have been paying off my debts and clearing up some outstanding financial issues. I have been extremely successful except for my mortgage, who had been unwilling to help. You will see in one of my attachments I am current on 4 out of 5 accounts. That to me shows a big red flag on this company and their reporting of my payments. I have sent many complaints to you and I see others have made complaints to you in reference to this company. I am not sure how you eventually get to a place where this company is investigated but I would highly suggest you begin an investigation before others suffer at there hands. | ||||||
| 01/11/2024 | Yes |
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| Original Complaint : XXXX. Follow-up : Lakeview/XXXX sent a release to the County which was rejected on XX/XX/XXXX due to not meeting State statutes. Lakeview/XXXX sent a second release to the County, which was rejected aon XXXX/XXXX/XXXX due to not meeting State statutes. Missouri State Statutes : Grantor/Grantee must be completed XXXX '' margin FIRST PAGE MUST INCLUDE BOOK AND PAGE : Book, XXXX, Page, XXXX. We were told on XX/XX/XXXX that a release was sent to the County on XX/XX/XXXX. That is the same day that LakeviewXXXX replied to the original CFPB complaint with documentation. However, that documentation was the release that has been rejected due to not meeting State statutes. Calls to the XXXX XXXX XXXX on XX/XX/XXXX revealed they have not received the corrected release. Calls to XXXX on XX/XX/XXXX revealed that the last document mailed was a letter to my home on XX/XX/XXXX stating they were still investigating the issue. This letter was dated XX/XX/XXXX and was received at my home. My account shows no record of any other documentation, which indicates that the correct release has not been sent to the County and we still have an erroneous duplicate lien on our property. | ||||||
| 05/28/2019 | Yes |
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Web | Servicemember |
| I was charged a late fee for XX/XX/2019, of {$36.00}. Also for XX/XX/2019, {$36.00}. I Called Lakeview loan, and the girl said she could only refund about {$29.00} dollars, and that the late fee was from XXXX. She said I wasn't charged a late fee for XXXX. I've had to call every month about this problem of late fees. I informed them that I get paid the second Wednesday, of every month, and that I mail my payments in 6-10 days before it's due on the XXXX. They don't process my payment until the XXXX. I know the post office is on time. They're just not processing my payments so they can charge me a late fee. They want me to set up automatic payments from my bank account so they can draft payments. They're too dishonest for me to let them have access to my account. Also I've put over {$200.00} dollars extra in my escrow account that I don't understand what they did with it. They have slowly been increasing my monthly payments. My payments should only be {$890.00} a month. I don't have an amorization schedule. Everytime I've asked for one, and that was from XXXX XXXX XXXX, and XXXX XXXX, they ignored me. I have yet to ask Lakeview for one. They don't even properly apply payments to my principal. | ||||||
| 04/25/2021 | Yes |
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| My XXXX has applied my monthly payment to principal only meaning I had to pay twice for one month. They have locked me out of my account online. I have no way to access my account of see if my payments are being applied correctly. I have spoken to ten people, been on hold for a minimum 15 hours, emailed someone at corporate. After a month I am able to access my account but then I can't see my account again. Can't pay online, don't have paper statements, etc. I call in and explain my situation then put on hold and transferred to a XXXX hole and wait an hour on hold then someone picks up and asks me why I am calling only to start the process over again. So incredibly frustrating. I literally have no access to my mortgage or able to pay or know how my payments are being applied without constantly calling in and verifying information, making double payments, etc. They tell me someone will contact me and won't give me a name, email or number for a contact. They call one time and it comes in as spam on my phone and goes directly to voicemail and their message is just to call the XXXX number so I start the process over again. Super frustrating. How are they allowed to operate a financial company? | ||||||
| 05/31/2018 | Yes |
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| I have been requesting for my PMI insurance to be removed since XX/XX/XXXX. Followed all the written requests and have tried on a monthly basis to get my request approved with no action from the mortgage company. I was told that in order to pursue my PMI removal request, that I would have to pay for the appraisal fee which I did pay for. This request was completed on XX/XX/XXXX and I was told by the underwriting department that a refund would be returned due to insignificant home improvements did not meet the guidelines of my appraisal request. I attempted to work directly with the loan company which continues to give me the run around and I am know filing this formal complaint. Copy of the last correspondence is attached below : XXXX XXXX. After review : your upgrades do not meet investor requirements as Significant enough to increase the market value of the home. After XX/XX/XXXX your loan will be over 2 years old and significant upgrades will not be required. Your appraisal fee of {$420.00} will be refunded. Thank you XXXX XXXX Escrow Tax Specialist Escrow Department XXXX , XXXX XXXX That Exceeds Expectations O : XXXX XXXX : XXXX | XXXX : XXXX A : | XXXX, FL XXXX | NMLS # XXXX | ||||||
| 01/19/2021 | Yes |
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Web | Servicemember |
| I had to re-sign e-docs several times because of not adding taxes in ( which is an understandable & fixable mistake ), then to resign because of closer computer issues. Then it was confusing if I needed to resign again after rescheduling hard copy Notary visit to home for signature to Title Company. Then, meanwhile ... .I was approved for 100 % XXXX to get my Property Taxes waived and no one ( Loan Processor, Originator & Closer ) couldn't tell me where to send my Verification Letter from VA. The Loan ProcessoXXXX vaguely pointed me back to the direction of Lakeview Loan Servicing Company. So, I tried several times for many days to try to find the correct email to send VA letter. I couldn't get in touch with Lakeview Loan Company so after about 2 weeks I finally figured out on my own through several phone calls and looking through hard copy of the Notary visit the Servicing Company and after being transferred a couple of times, I found the lady that could put me on hold & take the time out of her day to help her customer with a very legitimate inquiry. Come to find out that I needed to send the verification letter to none other than the Loan Processor, Closer or Originator ... go figure? | ||||||
| 02/22/2022 | Yes |
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| My husband lost his job in XX/XX/2021 so we missed the XXXX payment. We contacted XXXX and they advised to call them when he received his paycheck from his new job so they can evaluate us for a repayment plan. We contacted them in XXXX to start a payment plan. The gal we spoke with agreed that we would be paying XXXX a month on the XXXX of every month except for XX/XX/2021 as the XXXX was on a weekend. This would be for 6 months. Then we started getting notifications in the mail stating our house was going to start the pre foreclosure due to us not making our payments and for not contacting them to set something up. I get 5 letters months stating the same thing when my payments are automatically taken out of my bank account. It is frustrating that when we call we are told not to pay attention to the letters as we are current but then to get those letter in the mail which do not show the correct information. I was told today that per HUD those letters have to go out but you would think that if we are abiding by our payment plan we would not get those letters. All I am asking is that those letters reflect the correct information. I have asked them to fix them but they said they can not. | ||||||
| 09/13/2018 | Yes |
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| On XX/XX/2018 my wife XXXX, as instructed by the call center operator for Lakeview did email to them a picture of incorrect information listed on all three credit bureaus and a request to correct that our mortgage, erroneously listed as an installment loan be changed to a mortgage. We have never heard from Lakeview as to the resolution of this matter. We have called several times and from one operator did learn that the matter had been closed XX/XX/XXXX. We were promised that we would be contacted. Nothing on our credit report has been corrected. In fact, somehow, this listing as an installment loan has been made retroactive all the way back through the construction loan.I never signed paper for an installment loan with XXXX XXXX, the original mortgage leander ; I signed mortgage loan papers. XXXX sold this loan in the XX/XX/XXXX to Lakview. I understand that technically a mortgage is an installment loan, BUT, not all installment loans are mortgages and to havwe this listed this way on my credit report is misleading, not entirally correct and hurts my rating and my opportunities for credit in the future. I would like this properly and correctly listed as a real estate mortgage loan. | ||||||
| 07/02/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I filed bankruptcy, there were fees that were not removed from my billing statement. I have tried countless times since then to have them removed but the Lakeview Loan Servicing refused to do so. I was told that they would look into it and never received responses. It has showed on every single statement since that time with no correction. On XX/XX/XXXX due to XXXX I had to file another bankruptcy and still the Lakeview Loan Servicing refuses to remove it. Any attempt to call results in another department needing to handle it, said department states theyll look into it but never resolved it. Almost 9 years of seeing fees that should have been removed. Bankruptcy in itself is strenuous, the stress lasts and never lets up and to see fees that should have been removed in XXXX creates even more stress. I have to continually live in fear that if I argue with them they will attempt to sell my home leaving my family and I XXXX I make my payments on time every month and have to look at this fee continuously, trying to avoid it like a plague. This is my final resort and all I can do is pray that its removed without the company holding it against me and attempt to take my home. | ||||||
| 02/16/2021 | Yes |
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| I got a letter in XX/XX/XXXX stating my mortgage was increasing due to a increase in my insurance and taxes. I was very concerned so I called early XX/XX/XXXX and spoke with a very nice person who took the time to explain what was going on. I expressed my concerns about the increase and was told there was a shortage in my escrow account. The lady took the time to give me the exact amount needed and emphasized that when I call make sure I tell them this is for the escrow. I did exactly as instructed. However this mortgage company has been rude and totally ignoring my request they have taken my money and refused to apply to my escrow. They have hung up on my numerous times. Unprofessional passing blame and insisting there is nothing that can be done. This is s complete disgrace. I did my best and the company is refusing to listen or help. Please take the time to assist me before it too late. Lakeview loan services is the absolute worst. They need to hire adults who listen and follow up. I need help getting the monies applied as they have deliberately made a mess the stress and the lack of respect shown by this is unacceptable. Please advise. I've been calling for 4wks with no results | ||||||
| 10/08/2021 | Yes |
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| I had applied for a loan modification under my mortgage company 's ( LakeviewXXXX XXXX XXXX loss mitigation department beginning in early XXXX of this year. I had been told to submit, resubmit, and resubmit documentation. I was getting pretty aggravated after the third submission of the documentation XX/XX/2021. I was rather shocked today when I spoke with a representative named " XXXX '' at the loss mitigation department [ ( XXXX ) XXXX ] who had informed me that LakeviewXXXX had simple " removed '' my application. I did not know that an application could be " removed ''. I was waiting for a determination for over a month an a half before the application was removed at the eleventh hour. I think that the repeated requests for resubmissions was an intentional delay tactic and was a prelude for the mortgagee 's decision to disregard the application... this was clearly in bad faith. It is my belief that LakeviewXXXX had no intention to allow me to submit the application and that they were sandbagging me while waiting out the clock until XX/XX/2021. I would like in inquiry into this BAD FAITH, obviously prejudicial and oppressive action by the Consumer Financial Protection Bureau. | ||||||
| 08/01/2022 | Yes |
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Web | Servicemember |
| I own a rental property that has two separate buildings, as such I am required to have two separate rental property/homeowner policies. I have send multiple emails, letters, and have had multiple phone calls with the company about this. They have sent me confirmation previously that they understand this. They have currently sent me a notice that they are paying multiple insurance companies, which is inaccurate. On multiple occasions, they continually send me notices that I have insufficient insurance and will be canceling my insurance ( XXXX ) and forcing me to pay for their overpriced insurance. This has happened on multiple occasions, at least yearly, and I am usually forced to call to fix. At this point, there is no way to contact any customer service agents at XXXX, at all, I have tried calling two to three times a day, at multiple numbers, for a week now, and I received nothing but automated systems and responses, with no way to speak to anyone. The contact form on their website sends an automated response, ensuring contact within 48 hours, its been over a week and I've tried twice, no one has addressed the issue, and I have no ability to contact anyone at the company. | ||||||
| 02/02/2021 | Yes |
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| Several times my husband and I have asked this company add me to the account so things can be discussed with myself as they left me off original paperwork. Last year we had issues with the servicing company paying the wrong property taxes from our escrow account. ( XXXX ) After many emails, calls, and faxes later they finally paid them late. 2 weeks of fighting & proving the correct plat # due to their clerical error. All the while we were being told our property could go up for auction. I only figured this out when applying for homestead exemption. Then our payments went up as I'm sure they passed along the late payment to us due to their mistake. This year they say they sent payment for homeowners insurance XX/XX/XXXX. ( It was due XX/XX/XXXX ) As of XX/XX/XXXX payment has not been received. Sit on hold for 30+ minutes to be told by reps we should call back tomorrow. You get no straight answers and nobody is accountable. As the rep told my husband last night " unfortunetely '' we have no choice in who services our loan. These people don't care as it's not them who's being affected. XXXX XXXX is used by Lake View. Find a company who's going to service loans correctly. | ||||||
| 01/29/2019 | Yes |
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| I have made several requests to have my property tax Escrow payment reduced because I filed for Homestead Exemption in XX/XX/XXXX and it was approved for this year, XX/XX/XXXX. I submitted all the documents I received from the XXXX County Tax Collector 's Office to the loan servicer, Lakeview Loan Servicing , LLC and they are refusing to make the necessary adjustment to my Escrow payment. I am still being escrowed for {$3400.00} per year when my taxes was reduced to {$2900.00}, a difference of {$510.00} per year. I think it is unfair that I am being forced to put more money into my Escrow account than is necessary. I also feel that Lakeview Loan Servicing is in violation of RESPA because they are charging penalty fees on any mortgage payment made between the XXXX and XXXX day of the month. RESPA says that they can charge a fee from the XXXX day. This is very unfair to borrowers and I think Lakeview should be held accountable for their illegal actions. It is this type of reckless greed that forces the govt to protect consumers from unscrupulous lenders, thus the CFPB. If possible I would like to have my loan transferred to a different servicer. These people are the worst!!! | ||||||
| 09/19/2022 | Yes |
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| After the COVID forbearance, I participated in a loan modification with Lakeview Loan Servicing ( where I was told it would be non-interest bearing ). I signed all documents. FHA recorded a lien for {$26000.00} BUT the mortgage company also added the same amount to my principal balance. Creating a situation where I owed over {$52000.00} when it should have been approximately {$26000.00}. I contact the bank XX/XX/XXXX, they said they would fix it, XX/XX/XXXX they said was being reviewed, XX/XX/XXXX they said the review was closed, XX/XX/XXXX they said they would submit a reconveyance request to FHA, XX/XX/XXXX they said that they never sent it to FHA and that it was being reviewed. This is a circle of nonsense at a time when I'm trying to sell my house. FURTHER, I tried to make a payment in XXXX and they said they would only accept both ( 2 ) of my delinquent payments. I asked again on XX/XX/XXXX and they said they would only take 2 payments, no less- and next month it would be 3. My mortgage documents state that they can apply any partial payments any way they wish but they still have to take them. I am accruing late payments and interest because they won't take my money. | ||||||
| 09/19/2020 | Yes |
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| We were offered a streamline refinance by our mortgage company, XXXX XXXX XXXX. The process began XX/XX/2020. After submitting all required documents, we received conditional approval and were told by our processor, XXXX XXXX out of XXXX, PA that they were just waiting on subordination from our other bank. After that initial communication, they began to be unresponsive and non communicative. We would go through weeks that turned into months and several attempts to acquire updates, both by phone and email with no response. I would have to contact the XXXX for him to contact the processor and even with internal communication among employees, there would still be a lack of response and no updates. On XX/XX/2020 I contacted my other bank to check on the subordination request from XXXX and they stated they never received any request to complete a subordination. We are now on month 4, going on 5 months pretty soon with no updates or status on what is going on with our streamline refinance. I have written letters to XXXX XXXX and emailed the processors boss with no progress. We honestly dont know what else to do ... This process has been very frustrating to say the least. | ||||||
| 02/17/2020 | No |
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| On XX/XX/2020 we experienced water damage in our kitchen and called our insurance company to file a claim. It was discovered on XX/XX/2020 that our policy was not renewed/paid out from our impound account through Lakeview Loan Servicing, our lender. After numerous calls to Lakeview, with no less than 6 reps that day, we were finally advised that they had our policy renewal date of XX/XX/2020, when in fact it expired XX/XX/2020. We asked numerous times what our options were in this case, we even paid the policy in full out of pocket that day, and were told by Lakeview that they couldn't help us, even though this is clearly their error on paperwork. All loan/escrow docs had the correct insurance renewal date, but there system states XX/XX/2020. Our agent informed us that there should be forced place coverage from the lender for situations like this, and we still have not been able to get any help from Lakeview on getting this set up. Lakeview has been by far one of the worst mortgage lenders I have dealt with, and we are no closer to resolution. We haven inoperable kitchen, fans, and dehumidifiers and zero concern from the lender that caused us to have a gap in coverage. | ||||||
| 03/18/2021 | Yes |
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| Lakeview Loan Servicing , LLC subservicing by XXXX is my mortgage company. Since closing on my condo with them, I have never missed a payment and made all my loan payments on time. On XX/XX/2020 I made my payment for the amount of {$1500.00} just to receive a letter a few weeks later saying that I needed to submit another payment. I checked my bank account and the money was pulled from my account. I will attach proof of it which I received from my bank that the money was withdrawn and it did not come back to my account. Since XXXX, I have made several attempts to reach out to the mortgage company and each time no one is able to help. They either hang up on me or say they will look into it. Every other day I'm being harassed by them by phone calls about my payment. They say they don't have the payment and I don't have it either. So someone needs to explain to me who has it. The only reason why I'm contacting the CFPD is because the mortgage company has not taken any action in resolving the situation. Please help. At this point its affecting my mental health because I have never been late on any of my payments and I have never had to deal with a situation like this. | ||||||
| 11/20/2020 | Yes |
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| My husband and I purchased a home in XXXX of 2019. The loan Lakeview Loan Services now XXXX XXXX XXXX assessed the tax on the house off of a vacant lot as opposed to the actual home value when they bought our loan from XXXX XXXX. They contacted us in XXXX begging us to refinance because the interest rates were so low and it would only take 60 days to do a streamline loan. Here we are seven months later and i had to reach out to the CEO of the company because i could not get anyone to respond to me via phone, email or carrier pigeon, ( we got desperate ) you name it. Once i did that, we had 3 people calling us immediately. Further proving they already knew what was going on and did nothing to notify us. They advised that our taxes weren't assessed correctly and we would owe XXXX as opposed to the XXXX they had us sign in the beginning of this process to close on our refinance. Now our loan officer is telling us to go with another company after wasting seven months of our lives during a pandemic because they no longer have great interest rates apparently. I believe they kept us in the dark because they currently had our loan and didn't want to miss out on making money. | ||||||
| 02/13/2020 | Yes |
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| Lakeview loan servicing company has made several errors to my escrow account. I have tried to resolve the issue over the phone numerous times, but to no avail. The issue is that my property insurance premium has changed from {$2600.00} to {$1400.00}. My shortage with Lakeview last year was {$2800.00} and now it only went down to {$2400.00}. My property insurance went down over {$1000.00}, so the new shortage amount does not make sense and they can not give me an itemized breakdown. The other concern is with the escrow cushion. Last year it was {$1100.00} and now with the lower insurance premium it went up to {$1700.00}. On CFPB website it states that the cushion must be no greater than 1/6 of the annual disbursement from escrow account, which is {$910.00}. My taxes are {$4200.00} and my insurance premium is {$1400.00}. When I told the customer service representative that information they told me to notify CFPB and the escrow department through email. The google reviews for Lakeview show that I am not the only person have this issue with this company. They are abusing their customers. Thank you for looking into this and please contact from more information, if needed. | ||||||
| 01/07/2021 | Yes |
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| I am working with Lakeview loan care servicing on what I have been lead to believe are escrow funds that they owe me in the amount of {$2900.00}. I have complied with all of their requests and they continue to delay the disbursement of funds that I am rightfully owed. According to their records a check was sent in XXXX that was never deposited. I did not receive this check and was not alerted it had been sent until I received a letter ( attached ) from them in XXXX of XXXX informing me that the check had never been deposited. The letter informed me that if I requested the funds be resent by XX/XX/XXXX I would receive payment no later than XX/XX/XXXX ( 8 weeks ). After the XXXX passed I called again on the XXXX to ask what had happened and their representative informed me that nothing had been done on their end and that she had put in a request for the funds to be cut and mailed no later then the XXXX of XX/XX/XXXX. I called on the XXXX of XX/XX/XXXX to confirm that this had happened and was informed by another representative that this also had not happened. If I had owed them this money to them for XXXX+ years I would undoubtedly be in collections at this point. | ||||||
| 07/28/2021 | Yes |
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Web | Servicemember |
| My mortgage was sold to Lakeview Loan Servicing LLC subserviced by XXXX. As best I can tell they are the same company. I received a bill stating they have not received payment from me and they charged me a late fee and have reported a late payment from me. I pay them {$400.00} every 2 weeks and have never missed a payment. The Statement they sent shows they received the payments and that they credited them to my account, but they are not counting them as payments?!? The statement is also poorly written and does not add up to the proper amounts paid for principal mortgage and escrow. They include lump sum payments to the escrow and payments from the escrow all as debits in the Total column. It looks like this statement was intentionally written to confuse borrowers. I would like this late fee removed the payment history updated to show I have never been late. I would also like the format of the statements to be corrected so that it properly shows debits and credits and it more friendly to read. Looking at the volume of complaints against this company online, I think the CFPB needs to take more serious action against this predatory loan servicing company. | ||||||
| 05/16/2023 | Yes |
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| Had a forensic audit done on mortgage account and assignments and was advised by expert that my home was paid in full. This was done before mortgage was in anyway defaulted. Advised mortgager, requested documentation via registered mail from both original lender and new mortgage holder ; required by federal codes requesting proof of whom was entitled to payments. Requested original wet signature promissory note. Original was not provided, copy was sent to me with a stamp stating it was original. Sent 3 more payments via postal money order with a change in terms in memo section on front and back endorsement area of money orders that became new agreement of full satisfaction upon cashing by company. Terms were not honored as stated, while mortgage holder still cashed money orders. Finally sent audit advising of rescission due to fraud in contract, broken chain of title with an inactive XXXX account and demanded release of all liens to both original and new mortgage holder. The same inactive XXXX account has currently been used to assume my deed by initial mortgage holder, transferring to new mortgage holder, while the XXXX manual says only on active accounts. | ||||||
| 03/01/2021 | Yes |
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| My FHA Mortgage loan was originated in XX/XX/XXXX. At that time MIP was added to the loan prior to the permanent changes to MIP which went into effect XX/XX/XXXX, per HUD Mortgagee Letter XXXX. I have made numerous attempts to have Lakeview Loan Servicing , LLC remove the MIP since the LTV is below 78 %, the loan is over 5 years old and all payments have been made on time. They told me I need to refinance the mortgage and that is incorrect and needs to be removed immediately. According to HUD FHA guidelines MIP must be removed if you meet the following criteria if you Applied between XX/XX/XXXX and XX/XX/XXXX : 1 ) Youve maintained a good payment history without any 30-day late payments for the past 12 months. 2 ) When you reach 78 % loan-to-value ( LTV ) based on the original value of your home. 3 ) You have paid MIP for at least 5 years since originating your current first mortgage Their contact information is : For Notices of Error and Information Requests Lakeview Loan Servicing ATTN : Mortgage resolution P.O. Box XXXX Virginia XXXX, Virginia XXXX XXXX Loan Number : # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX | ||||||
| 03/31/2021 | Yes |
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| My mortgage was recently transferred to a new service provider, Lakeview Loan Servicing LLC effective XX/XX/2021 XXXX loan # : XXXX ). I have been up to date on every single mortgage payment ( overpaying my mortgage in-fact, towards principle ) and made a regular {$2500.00} mortgage payment to my previous mortgage service provider on XX/XX/2021. The previous mortgage service provider, XXXX XXXX XXXX XXXX ( Loan # : XXXX ), received my payment and for XX/XX/XXXX and then confirmed they passed on the payment to my new service provider effective XX/XX/2021. However, my new mortgage service provider ( XXXX XXXX XXXX ) says they have yet to receive the XXXX mortgage payment that I paid to XXXX XXXX XXXX and has since called me every single day asking me to make the payment. I've received calls, voicemails, and letters from them to make the XXXX payment -- despite the fact that the payment was confirmed to be passed on by my previous mortgage service provider. Can you please track down whether Lakeview Loan Servicing LLC received my XXXX mortgage payment from my previous mortgage service provider and have them apply it against my mortgage balance please? | ||||||
| 01/08/2021 | Yes |
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| On XX/XX/2020, I closed on my mortgage account with XXXX, I had been in forbearance from XXXX-closing. When I went into forbearance, I was current on my mortgage and had not missed a payment. When I closed on my mortgage by selling my property, I paid the loan in full, with all interest included. XXXX reported me not only 90 days delinquent to my creditors, but they reported the closing of my loan as XXXX for some ( XXXX ). We have attempted to fix this problem with XXXX, who sent us a letter assuring us it had been resolved with the credit bureaus. I gave the letter to the credit bureaus ( namely XXXX ) who would not take my word for it and said they needed to hear from XXXX. It has now been over two months ( two weeks past the time XXXX had said it at the latest would be removed from my report ). Interest rates are skyrocketing. We have not been able to purchase a home for four months due to this error when I fulfilled every single one of my obligations. I complied with the terms of the forbearance plan by paying off the loan in full prior to the end of the forbearance term. I contacted XX/XX/XXXXand asked them to remove the late payment. They refused. | ||||||
| 12/16/2020 | Yes |
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Web | Servicemember |
| I am having issues with Lakeview XXXX/XXXX in starting a VA streamline refinance application. I have had a forbearance period which is ending at the end of XXXX - Account is current and paid through XX/XX/2020. I have also sent them my intent to refinance back in XXXX and nothing was done with the letter I sent in I am being told that I need to wait 30 days in order to start the VA streamline refinance. I have asked for a written document that states the above guidelines, but Lakeview is sending back to XXXX. While XXXX is stating that they don't deal with the loan application process and that Lakeview is the entity I should contact. I was even provided with a XXXX phone number which sends me to a voicemail that states the extension was no longer in service for Lakeview. I spoke to a XXXX at XXXX who provided me with the above phone number. I have asked a " XXXX '' from Lakeview for his last name so I can document my interaction because he stated the 30 requirement and he refused and hanged up the phone. I have called back and I am still getting the runaround. Additionally, soon after these phone calls, I have been unable to log into my account online. | ||||||
| 03/30/2018 | Yes |
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| Lakeview Loan Servicing LLC continues to delay crediting payments. In XXXX payment was sent on XX/XX/XXXX from our XXXX XXXX Bill Pay system in the amount of {$1800.00}. The copy of the check is stamped by XXXX on XX/XX/XXXX but the payment was not applied until XX/XX/XXXX. The same thing occurred in XXXX the payment of {$1800.00} was sent on XX/XX/XXXX but this was sent electronically and XXXX tells me is should arrive in 3 business days. This payment was not applied until XX/XX/XXXX. XXXX tells me Lakeview changed the payment to electronic- this is something I do not understand- how Lakeview can make this change- I am told by XXXX that this makes the payment show up in 2/3 business days. This transaction does not have a stamped check like the XXXX payment. These late payments result in a fee. Every month I call Lakeview and complain and thus far they have been willing to reverse these late charges. Every time I call I get different information. I ask to speak with a manager and they tell me the payments are in fact late, when my bank tells me they should not be.Hold times are excessive. How can I use another loan servicer? Lakeview is TERRIBLE! | ||||||
| 02/11/2021 | Yes |
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Web | Servicemember |
| About the XXXX of XXXX Lakeview Loan Servicing took money out of my account to pay my mortgage. First, my bill is due between the XXXX and the XXXX of every month and I usually pay by check. I tried to resolve this issue with a representative of the organization ( Ms. XXXX XXXX ). Second, Ms. XXXX XXXX said I needed to call a number to get this situation resolved. I did not have any time to call the number because I am taking care of my mother who is sick in Florida. Third, A representative said they called my house number but they couldn't find my cell number. This is the same number this organization was contacting me when they wanted my business. Fourth, a representative closed my claimant without resolving the issue. Fifth, Ms. XXXX XXXX said in the beginning of her email, dated XXXX at XXXX XXXX " Of course you can Mr. XXXX ''. This was in reference to me saying I will file a complaint. ( In my opinion this was her way of saying so what. I am going to do whatever I want and your complaints do not impact me. ) Instead of her saying let 's try to resolve this to protect her company. Thank you for your assistance in this matter. Sincerely, XXXX XXXX | ||||||
| 04/13/2023 | Yes |
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| In early XXXX, I noticed my mortgage account had a XXXX balance in my escrow account, my yearly taxes is XXXX and my insurance is around XXXX. Therefore, the XXXX balance does not make any sense. I called Lakeview loan care service, the rep asked me to submit a tax statement from the county website. Which I did same day. Last Wednesday ( XX/XX/2023 ) the escrow balance grew to almost {$11000.00}, I called them again since it was already over a month to update the status, the rep confirmed they received the document I provided. They are still processing the request, she did escalate it so it would be done in a week which is the XXXX. Today XX/XX/2023 we called them again and the rep said they need to do another analysis and said it should take another week. With deposit rates at 4-5 % APY, I feel I am losing a lot of money putting this XXXX in their escrow account not making a XXXX. In the past, when I had a mortgage with a larger financial institution, I requested a similar escrow distribution and they processed it same day. I believe XXXX servicing should refund the balance immediately and compensate me for two months interest I lost at a 4 % APY. | ||||||
| 04/07/2021 | Yes |
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| I was in forbearance last year, first for 3 months. I signed a Partial Claim Deed of Trust to end my forbearance in XXXX, 2020. I was later told that this could not be timely processed and that it was NOT filed or recorded. I then was put back on forbearance by my lender, and again signed a Partial Claim Deed of Trust to end my forbearance in XX/XX/2020. I have recently learned that they did, indeed, file both of these Partial Claim Deeds of Trust against my property, which is double dipping. The amount for the XXXX Partial Claim, includes the full amount of the XXXX Partial Claim. I have received payoff statements from both XXXX and HUD, and neither is claiming this XXXX Partial Claim, but they also have not applied it to my loan. I have been trying to get them to help me since XX/XX/XXXX, and no one will return my call. Each time I call them they give me the run around, transfer me to various people and departments, only to leave a message again, for which I have not received a return call. I need this extra lien to be removed from my title on my property or for XXXX to properly allocate this to my mortgage, which will create a 3-month credit. | ||||||
| 11/24/2020 | Yes |
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| Lakeview Loan Servicing LLC./XXXX XXXX failed to pay our homeowners insurance which is wrapped up in our mortgage. I called the insurance company, XXXX, to inquire and they advised that they had not received payment which was due on or before XXXX. On XX/XX/2020 I received a cancellation notice from XXXX due to non-payment. The cancellation date was XX/XX/2020 at XXXX XXXX. On XX/XX/2020 I received a reinstatement notice from XXXX advising that the policy had been reinstated, they received payment and were backdating policy to XX/XX/2020. On XX/XX/2020 I received a letter from XXXX/Lakeview advising that we failed to keep a homeowners insurance policy on our home and therefore they will insure our property through a company of their choosing and we will owe them money. Clear one side of this company does not know what the other side is doing as they are the entity that paid our policy but are now telling us we do not have a policy. This company is one of the most incompetent I have ever dealt with. I am frustrated that I have to take my time to deal with issues like this when it could have been avoided had they paid the policy on time. | ||||||
| 10/28/2020 | Yes |
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| My current mortgage is through XXXX XXXX - Lake View Loan Servicing When I originally sign my mortgage I was also provided down payment assistance through XXXX Down Payment Assistance, this was coded as a second mortgage and had deferred payments for the life of the loan and the interest was not to be added until the end of the loan. My original mortgage company sold both of the mortgages and the company I have now is harassing me to pay the second mortgage. I have always been on time for the mortgage for my home. The Down Payment assistance grant they are trying to charge me for, since XXXX of this year, and they are also charging me late fees for this loan that is not supposed to be due. I have called them four times now and have been waiting two weeks for them to answer my ticket. Each time I call they tell me I am correct and they should not be charging me for the loan but then they take no action to correct their mistake and are still contacting me saying I owe late fees. This has added unneeded stress to my life and I should not have to call a company four times to resolve something that they admitted was their mistake on the first call. | ||||||
| 03/08/2017 | Yes |
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| We signed a loan application to refinance our mortgage with Lakeview Loan Servicing on XX/XX/XXXX. They assigned the servicing to XXXX. We have paid for an appraisal on XX/XX/XXXX, which was completed on XX/XX/XXXX. As of today, XX/XX/XXXX, XXXX has not been able to close on the loan even though we had provided everything requested at by the time the appraisal was ordered. Additionally, as the process had continued, I had repeatedly asked for a Loan Estimate, which I had never received until today ( XX/XX/XXXX ). We have a home equity line of credit with a local branch of XXXX, and the branch manager for that bank said they needed a copy to complete a subordination request. At this time, our loan officer at XXXX finally provided us with a Loan Estimate. The loan estimate shows a issue date of XX/XX/XXXX. Our rate lock has expired and been renewed four times. We have lost all confidence that XXXX will be able to close our refinance and are very concerned to have them service a refinance of our mortgage. We have also learned that they are out of compliance since the requested verification of personal information without providing a loan estimate. | ||||||
| 08/20/2020 | Yes |
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| I had an FHA loan with XXXX XXXX. I went through a Loss Mitigation claim and won, and my loan was refinanced and recorded in the court in XX/XX/2019. That same month, the loan was acquired by Lakeview Loan Servicing. It has taken XXXX XXXX over 6 months to get my loan information over to Lakeview, and now Lakeview has taken 3 months to update my account. In the meantime, I have made every payment since XX/XX/2019 to Lakeview in accordance with the refinanced loan agreement. Lakeview has reported me to the credit bureau as delinquent which significantly dropped by credit. That domino effect caused by other credit accounts to drop my limit which again dropped my credit because it makes it seem like I'm utilizing more of my credit than I really was. Lakeview also misapplied all payments made since XXXX. No one can give me an answer, no one can give me a timeline of when it will all be fixed, I just keep having to pay for it and receiving daily phone calls from Lakeview saying I am delinquent on my loan. I call them every two weeks and never get a resolution. I am ready to speak with an attorney for these lenders ruining my credit and my life. | ||||||
| 08/20/2020 | Yes |
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| I had an FHA loan with XXXX XXXX. I went through a Loss Mitigation claim and won, and my loan was refinanced and recorded in the court in XX/XX/2019. That same month, the loan was acquired by Lakeview Loan Servicing. It has taken XXXX XXXX over 6 months to get my loan information over to Lakeview, and now Lakeview has taken 3 months to update my account. In the meantime, I have made every payment since XX/XX/2019 to Lakeview in accordance with the refinanced loan agreement. Lakeview has reported me to the credit bureau as delinquent which significantly dropped by credit. That domino effect caused by other credit accounts to drop my limit which again dropped my credit because it makes it seem like I'm utilizing more of my credit than I really was. Lakeview also misapplied all payments made since XXXX. No one can give me an answer, no one can give me a timeline of when it will all be fixed, I just keep having to pay for it and receiving daily phone calls from Lakeview saying I am delinquent on my loan. I call them every two weeks and never get a resolution. I am ready to speak with an attorney for these lenders ruining my credit and my life. | ||||||
| 10/18/2022 | Yes |
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| On XX/XX/2022 The Supervisor at XXXX XXXX XXXX hung up the phone on my call to delete the alleged claims while I was still trying to get the correct information regarding fraudulent claims against my consumer report. On XXXX XXXX I sent a response letter to XXXX XXXX XXXX, Attorney hired by XXXX XXXX never got a response, I sent out the same letter again never received a direct response regarding my response asking for the alleged debt to be validated. XXXX XXXX I received confirmation that the response was acknowledged. XXXX XXXX XXXX XXXX XXXX stated they hired XXXX XXXX XXXX as an attorney and XXXX XXXX sent me a statement stating they would be foreclosing on my homestead on XXXX XXXX and they have not responded or validated the claims against my property. It is now XXXX XXXX and there has been no valid debt validation they have furnished fraudulent claims against my consumer reports. Neither company has responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. Fraudulent practices are a violation under state and federal laws. | ||||||
| 10/15/2021 | Yes |
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| 1. ) On my XXXX credit report it shows mortgage loan origination with LAKEVIEW LOANCARE as XX/XX/2021 ; when in fact, my mortgage was transferred from XXXX XXXX to Lakeview Loan Care on XXXX XXXX! XXXX does not show my XXXX nor does it show that XXXX transferred my loan to Lakeview Loan Care. IT ALSO SHOWS ON XXXX THAT I WAS DELINQUENT IN MY XX/XX/2021 mortgage payment which I paid to XXXX Mortgage on XXXX my XX/XX/XXXX! 2. ) My XXXX credit report shows a Lakeview Loan Care Mortgage as origination date of XX/XX/2021 when it should be XXXX XXXX! 3. ) My XX/XX/XXXX credit report shows a Lakeview Loan Care Mortgage origination date of XXXX XXXX when it should be XXXX XXXX. 4. ) I have never been late in ANY MORTGAGE PAYMENT as proof from my account with XXXX XXXX who forwarded my payments to Lakeview Loan Care in what they say was a timely manner. However Lakeview didnt post my XX/XX/XXXX and XX/XX/XXXX mortgage payments until XXXX XXXX! Shame on Lakeview for reporting incorrect information to credit reports and damaging my excellent credit and doing it within 60 days of my mortgage loan transfer violating the Fair Credit Reporting Act! | ||||||
| 03/24/2021 | Yes |
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| We sold our home on XX/XX/2020. We have a settlement statement in hand and have confirmed that it is recorded with the county. Lakeview Loan Servicing received the payoff. But our credit reports show that, in spite of the loan being closed and paid in full, our " current payment status '' is not in good standing and is " 90-119 days past due, refuse to pay. '' This shows on our credit report in payment history during XXXX of 2020. That is after we sold our house and should not have had any payment information to report from Lakeview Loan Servicing. We are business owners and this has negatively impacted our ability to finance and operate within our company. We have tried reaching an agent at Lakeview, but they have a fully automated phone service. We have tried every option in their automated system to reach a real person and can not get through. I logged into my account in their system and they don't offer any ways of reconciling this other than their contact us page. No portal for disputes or complaints. Someone made an error that is having a major impact on my life and I can't find a way to hold them accountable or get them to fix it. | ||||||
| 06/09/2020 | Yes |
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| On XX/XX/2020 I pulled my credit reports and noticed that Lakeview Loan Servicing , LLC ( XXXX XXXX ) was reporting that my mortgage was in forbearance. I disputed this with the three credit reporting agencies and contacted Lakeview Loan Servicing regarding this issue. On XX/XX/XXXX I received a notification stating my dispute had been completed. My updated credit report sated " Account information disputed by consumer '', a balance of {$280000.00} and that my account was " DEFERRED '' I again contacted Lakeview and explained the issue to them ... I was reassured that my account was not in forbearance and that it was not being deferred. The agent I spoke to told me they would send me a letter stating my account was up to date. As of today, XX/XX/2020 I have not received said letter. As of XX/XX/2020 my XXXX and XXXX credit reports still state that my account is being deferred and that my balance is still {$280000.00} making it appear as though I am 2 Months behind in my mortgage. I would gladly appreciate it if Lakeview Loan Servicing , LLC ( XXXX XXXX ) would correct this issue and post accurate information on my Credit Reports | ||||||
| 12/01/2023 | Yes |
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| My loan servicer Lakeview Loan Servicing through https : //lakeviewloanservicing.myloancare.com has not provided me with an escrow analysis it performed on XX/XX/2023. I most recently called on XX/XX/2023 after noticing my XXXX monthly payment was raised over {$500.00} with absolutely no notice provided. I called the support line XXXX at XXXX XXXX to request an explanation of the escrow analysis and their automated phone tree said there are no representatives that can assist. I have tried all possible combinations of the phone tree, including making a payment through a representative, and all avenues lead to having the call end after an apology message is read. I followed instructions to the Document Center that should provide a self service option to download the analysis. There are no historical or current escrow analysis present. As it stands there is no way for me to contact my servicer about this. 1. They provide no email option 2. Calling does not lead to any menu option or representative that answers my question. 3. Their online contact form only handles specific payment requests, not questions of the escrow analysis. | ||||||
| 03/22/2021 | Yes |
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| So this situation isn't them calling me. It's me trying to get ahold of anyone at the Lakeview facility so I can pay my withstanding amount of mortgage debt. I've been trying for weeks. Setting up " call backs '' early in the morning and never receiving a call. There's no one to email for information on how to pay in full. You can't pay in full online, not to mention it seems as if I've been locked out of my account since the last time I called, Not sure as to why. I did stay on line for an obnoxious amount of time to get ahold of a representative and when I did, we got as far as answering all the security questions, then I was disconnected. This has happened more than once in the past. They did reach out 1 time and left a message after letting the phone ring for about 4 seconds. I don't mind paying the debt in full, but I need to get ahold of someone or have someone call me, and perhaps leave a call back number that isn't going to take an hour to get situated. I wouldn't usually complain, but it really shouldn't be this hard for someone to pay their mortgage let alone this hard for a " debt collector '' to collect what's owed. | ||||||
| 12/08/2021 | Yes |
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| In XXXX of XXXX we applied for HAMP Modification for the pandemic for a two month deferment but they approved us for 4 months. We skipped two payments and began to pay as normal. We started getting mail that we were going into foreclosure. I contacted LakeView Mortgage and I paid those two payments that we skipped to stop the letters. I told them not to do the HAMP paperwork but they applied the 4 months of payments to the loan anyway. Skip forward to present, we are trying to get a Home Equity loan and the ( HAMP ) Deed of Trust ( XXXX ) ( for account XXXX ) needs to be paid off in order to have the XXXX as second position. We can not get any information from HUD or LakeView Mortgage to find out how to pay that lien off. We close on the XXXX until we get this info. We even called the Trustee XXXX XXXX XXXX office and got nowhere. I have two emails from HUD saying that in four days we will get a reply. But still no information how to pay this off. The XXXX shows the Secretary of Housing and Urban development as " lender ''. XXXX XXXX and Page 1836 Any help with getting this XXXX paid and released would be of great appreciation. | ||||||
| 12/08/2021 | Yes |
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| I have documents from my mortgage servicer stating I have an escrow shortage, and as a result my house payment will be going up to cover the shortage. It appears my beginning escrow balance was changed by the servicer sometime during the last several months. I have documents from Lakeview Loan Servicing dated XXXX with an escrow surplus of {$7400.00} with an actual escrow balance reported for XX/XX/2021 of {$12000.00}. I also spoke to XXXX/Lakeview Loan Servicing on several occasions during these last few months, and inquired about my escrow surplus. I was informed that since I was in forbearance, I could not get the surplus. This amount was confirmed on several occasions by them. I asked for a review of my escrow account since it was now being reported as Lakeview Loan Servicing is providing me an escrow advance. The numbers are all completely different from what was initially reported, and calls to the servicer just reaffirm this incorrect information. The amount of total disbursements for the year are under my actual starting escrow balance of {$12000.00}, so I'm not sure why there was ever an escrow advance in the first place. | ||||||
| 12/24/2018 | Yes |
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Web | Servicemember |
| My mortgage was originally held by XXXX XXXX and was transferred to Lakeview Loan Servicing , LLC a couple of years ago. On XXXX XX/XX/2018 I contacted them via their website requesting the payoff for the mortgage ( Ticket # XXXX ). In the e-mail I received acknowledging this it stated it would take 3 days. On XXXX XXXX I contacted them as while I had not heard anything from them regarding the payoff, I did receive a notice stating they intended to increase the amount of my escrow payments. This did not make any sense to me as the amount in the escrow at that time was larger then the remaining principal. I suggested they use it to payoff the loan and send me the balance. I received a acknowledgement of my e-mail stating it would take 3 days to process. On XXXX XXXX I contacted them yet again requesting the payoff, referencing the previous request and was provided the same response. The ticket number of this request is XXXX. Due to their lack of response I have paid sufficient funds to have paid the loan in full which was delivered to them on XXXX XXXX and cashed on XXXX XXXX. I have yet to hear anything back from them. | ||||||
| 03/07/2023 | Yes |
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| On XX/XX/2022 I purchased a property that will under a tax abatement program ( PILOT or Payment In Lieu Of Taxes Program ) for the next 20 years. Under this program, I am only liable for certain percentage of the property taxes : 50 % for the first 3 years, 65 % for the next 16 years and 80 % for the last year. My mortgage as well as my escrow are serviced by XXXXLakeview Mortgage Servicing . I have provided XXXXLakeview Mortgage Servicing with Tax Bills, a letter from the Deputy Tax Collector explaining the PILOT program and an additional letter from the Deputy Tax Collector forecasting my future tax bills. Unfortunately XXXXLakeview Mortgage Servicing does not acknowledge these communications and continues to bill my escrow at 100 % of the ordinary applicable taxes assessed without considering the abatement. This is increasing my monthly escrow bill significantly for no reason. In addition, XXXXLakeview Mortgage Servicing missed paying the property taxes for Q4 2022 incurring a late fee of {$100.00}. This fee has been charged to my escrow account even though I am not the one that missed the payment. Thank you, XXXX | ||||||
| 01/31/2019 | Yes |
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| I sent a check for {$2900.00} to XXXX on XX/XX/XXXX. I called 2 weeks later to check on bill and receipt for the {$2900.00}. The mortgage co. said they put the money on 3 house payments in the future with {$120.00} left overbalance. I said that was wrong and I filled out bill for a principal payment of {$2000.00} plus one house payment with no money left over, and again asked for receipt and new bill for mortgage. We then waited and no bill or receipt ever came we then repeated process 5 more times and 5 more times no bill or receipt ever came until XX/XX/XXXX bill came only one with tax information for income tax which they did not include the {$2000.00}. I called they said they put the {$2000.00} on XX/XX/XXXX. payment which would have be next year taxes. They cashed check in XX/XX/XXXX not XX/XX/XXXX this years taxes this years accounting. We have a FHA loan and we feel that they were not happy with our principal payment and put us thru XXXX on purpose or they were trying to steal our {$2000.00} since no receipt ever came, and gave us faulty tax papers and late. Mortgage papers so messed up you don't know where you stand. | ||||||
| 11/24/2021 | Yes |
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Web | Servicemember |
| Process began for refinance with XXXX XXXX XXXX late XX/XX/2021, it is now late XX/XX/2021 and no progress has been made. I have had three different processors working on this file and each person ask for the same information that has been uploaded to their portal. Furthermore each piece of information requested has been supplied and then another document is requested. The lack of consistency and clarity has made this experience horrible. The process has taken so long that my original Termite inspection has expired and I had to get a subsequent inspection completed. The company realized that the file was sitting up and has assigned this to a Task Force Processor which has been on the case for a month or so. This latest processor is where the lack of clarity comment enters. Its the bread crumb effect that has ruined the entire process. The bread crumb effect, is where the customer provides a requested document and then another request comes followed by another and the trail never ends. The constant response is the Underwriter, well I havent had this much of an issue when I made the purchase. I want a cash out refinance. | ||||||
| 08/14/2018 | Yes |
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Web | Older American, Servicemember |
| I noticed on my XX/XX/XXXX payment statement that I was being charged a total of {$100.00} simply identified as Attorney fees. I then checked previous payment statements and found that I was charged and had paid {$260.00} in XXXX, XXXX identified again as Attorney fees. I then called the Customer Solutions Department of Lakeview Loan Servicing , LLC. and notified them of the issue. They could not explain what the chargers were for or any notes relating to the charges. They said they would check, gave me a Ticket # and stated they would look into the matter and get back to me. I have since called their Customer Solutions Department 3 times since the initial contact on XX/XX/XXXX with no answer or explanation for the charges. " NO NOTES AS TO WHY THESE CHARGES EXIST ''. Now again on the XXXX payment statement they have once again charged {$35.00} fo " Attorny Fee Assessed ''. Also, I have always paid the Regular Monthly Payment within the 15 days of when the payment is due to avoid any additional charges. This seems to be a means for Lakeview creating a slush fund and I am sure that others must be being charged wrongly too. | ||||||
| 12/01/2023 | Yes |
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| Lakeview Loan Servicing LLC ( XXXX ) had a security breach in XXXX, 2023 that resulted in all systems being shut down. Upon calling the company to update payment information, I was told that all we can do is log your call. Then systems went online again around XX/XX/2023. On XX/XX/2023, I attempted to update my bank account information again. The online payment service will not allow me to use XXXX XXXX ( Routing # = XXXX ). This is highly inconvenient because this bank works with XXXX, a property management software. XXXX setup a payment method via XXXX Bank, and I attempted to make a payment, only to be told that something went wrong. Please try again later. I then tried again later and got the same message. I attempted to call Lakeview during business hours, but no matter what extension I used, Lakeview stated that its [ employees were not available ]. I tried to make payment through the telephone payment service ( Using Thread Bank Account ), but this payment attempt failed. I am being forced to default on a mortgage payment because this Loan Servicer cant get their act together. Please help. | ||||||
| 07/21/2023 | Yes |
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Web | Servicemember |
| I was approved for the XXXX XXXX XXXX XXXX XXXX for my property. I had submitted the letter displaying the exemption to Lakeview Loans Subserviced by XXXX XXXX. Lakeview Loans told me that they couldn't verify my exemption even though i had sent the actual property tax bill displaying the exemption. They also informed me that they check the county tax website and it displayed nothing. They kept telling me that they need more written correspondance. When i contacted the local tax office they told me that they don't put exemption information on their website and that they don't issue award letters concerning tax exemptions, they only put the exemption amount on the property tax letter. The last step i took was, I had informed Lakeview Loans that they can call my local tax office to verify the information because they won't be able to verify anything via the county website. I have both the letter from the Department of Veteran Affairs verifying that im eligible for property tax relief and i have the actual letter from the county tax office showing my exemption so im not sure why Lakeview Loans is still rejecting it. | ||||||
| 07/24/2019 | Yes |
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| i have a new mortgage loan though XXXX eff XX/XX/19 i contacted then on XX/XX/19 to see if my automatic payment was received and found after talking to XXXX that my account was set up incorrectly, after making the adjustments XXXX accepted my payment ( payment # XXXX ) said the payment would be withdrawn Mon XX/XX/19 from my XXXX XXXX acct by Fri XX/XX/19 the payment of XXXX had not. I contacted them again and spoke to XXXX she stated XXXX transposed my acct # when processing the payment and she ( XXXX ) would reverse the payment posted to my XXXX account ( also reverse the " bad check fee '' amt {$15.00} ) and to call back Monday XX/XX/19 to have my actual payment processed for XX/XX/XXXX. I did call them back and spoke to XXXX for the payment, ( payment # XXXX ) she processed my payment it was to be XXXX however as of today XXXX was taken from my wells fargo account i called them and was tole this would need to be escalated to a supervisor and it could take 2/3 days for a response, mind you my XX/XX/XXXXpayment is still outstanding and another persons payment is still on my wells fargo account, please advise | ||||||
| 11/18/2020 | Yes |
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Web | Servicemember |
| My payments are sent by bank draft to arrive to Lakeview Loan Servicing before the XXXX of each month. My regular monthly payment is {$1000.00}, however, my draft is setup for {$1000.00}. I have been attempting to refinance my mortgage ( IRRRL ) and was advised by the processor on XX/XX/XXXX that they were still awaiting for my payment for XXXX to be processed so that they could request a pay off for the account. I contacted Lakeview and inquired as to why my account had not processed the payment and why do I have late fees showing on an account that has auto bill pay established? I was advised that " for some reason '' my payments are sent to a suspense account before being applied to my loan. The payment that was sent on XX/XX/2020 would not be processed until XX/XX/2020. My closing date for my IRRRL XX/XX/2020 was effected due to the company not processing my payments in a timely manner. ( I will submit another complaint in regards to how the IRRRL with Lakeview was repeatedly mishandled ). At that time when speaking with the Lakeview CSR, I requested an audit of my account but have not received any reply. | ||||||
| 03/15/2021 | Yes |
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| I have requested the loan servicer, Lakeview Loan Servicing LLC ( XXXX ), to establish the escrow account so that my monthly payments would include the property taxes and insurance. I have brought this attention to them multiple times via the phone and the email, and yet they have not responded to me. My first payment is XX/XX/2021 and every time I called them they keep on pushing back the date of completion for this loan escrow analysis. I have submitted multiple tickets with them on the same matter, ticket numbers are XXXX, XXXX, XXXX, and XXXX. The first time was submitted on XX/XX/2021, more than 2 weeks ago. There was system generated confirmation from XXXX confirming the receipt. I also attempted to email the servicer via their email at XXXX, and have not gotten a response as well. In fact, I spoke with the customer service supervisor, XXXX at XXXX, and I was promised this would be done. As of today, XX/XX/2021 I have not receiving any correspondence from the company regarding the changing in my monthly payment due to my request for the escrow account even though all the paperwork was submitted. | ||||||
| 08/17/2020 | Yes |
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| I have been trying for over a month to apply for a 6-month mortgage forbearance plan ( as allowed under the Federal Cares Act ) with Lakeview Loan Servicing c/o XXXX. If you go to their website to apply, it doesn't matter if you are on a mobile device OR hard wired laptop OR desktop computer, it will not actually let you apply for a forbearance. When you submit, it says " CRITICAL ERROR ''. Clearly, with just a handful of items they ask you to fill out, there is no critical error and no reason that this would be happening. It is impossible to actually apply for a forbearance online with them. My wife has not been working for almost an entire year. She was recently on Washington State Paid family leave due to the birth of our daughter, and she was slated to go back to work about the exact time that the COVID mess started. She has now been out of work since XXXX and is obtaining minimal unemployment at this point. I truly do have a hardship related to the COVID pandemic and Lakeview Loan Servicing is not allowing me to apply for a forbearance as allowed with XXXX XXXX loans via the federal CARES act. | ||||||
| 01/27/2022 | Yes |
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| I did a Mortage Assistance application after being denied 3x for forbearance because they said I exhausted my time when I used it during COVID-19 being laid off in XXXX. I'm currently unemployed and did the mortgage application on XX/XX/XXXX, XX/XX/XXXX. I have sent the requested documents to the email they gave and no avail and have been calling over a dozen times to get information. I keep on being told different information and not allowed to speak to someone in loss mitigation that potentially can help me. I have sent the requested documents several times and keep getting conflicting information including they have not received anything. I'm only asking for 2-3 months to get caught up as I start back to work f/t next week. The communication is horrible I have to verify and keep telling customer service reps that are clueless and have to repeat my story over and over like already over 50 times. This is very aggravating, stressful, and can't even sleep. I need help!!! And now all of a sudden after speaking with someone I can't access my account online. It's blocked. They won't even email or call. | ||||||
| 09/16/2020 | Yes |
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Web | Older American |
| On XX/XX/XXXX I forwarded a tax bill to Lakeview loan servicing, XXXX XXXX XXXXXXXX XXXX XXXX Va. XXXX for this to be paid out of escrow per instructions at closing. On XX/XX/XXXX over ONE year later I received the same tax bill again, as it remained unpaid. During this year I never received any communication from Lakeview. On XX/XX/XXXX I sent the bill again, this time via certified/signature required. It arrived and the signature on this receipt is COVID-19, date of delivery is XXXX XXXX, XXXX. Apparently they either don't want to identify who picks up mail and signs, or they think the virus is a joke. No professionalism here. It has been 14 days since they signed, I have not received any correspondence once again. I think this extremely incompetent, and I am doubtful that I will receive a reply. Because they did not respond the tax bill has added fees. They have changed my mortgage payment already on two occasions, so if necessary to pay the tax bill I am sure that would not be a problem, as I indicated in my letter to them. I have copies of all documents mentioned. They need to pay the bill!!! | ||||||
| 08/05/2020 | Yes |
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| My mortgage loan servicing will not cancel my PMI.I have been up to date with my payments. I have requested cancellation of PMI in writing and send it through email on XXXX XXXX. At the time my LTV was 78 %. Now it's at 68.7 % and haven't received anything in writing or email about cancelling my PMI. I called the loan servicing on XXXX XXXX and request to cancel my PMI over the phone the rep said she would take note and i requested a confirmation number which is XXXX. I processed to call XXXX XXXX XXXX about my private insurance but they weren't able to obtain any information from them. I would have to speak to a loan servicing rep from lakeview loan servicing. I asked a question how long does it take to can a PMI? the rep answered with as soon as they receive a call from lakeview servicing loan it would take minutes to go ahead and cancel my PMI. I processed to call lakeview servicing but keep being transferred to another department. i also email Mrs. XXXX XXXX about my issue but she answered with im out of the office and click link to below to fill out XXXX XXXX XXXX XXXX. The submission is XXXX. | ||||||
| 02/16/2022 | Yes |
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| You will see past complaints because I have been fighting numerous issues since XXXX. You just closed the prior complaint against Lakeview but they only addressed one of the two issues. They FINALLY realized their error in double paying a tax bill for XXXX and FINALLY reimbursed the amount and then redid the escrow analysis but they neglected to address the {$210.00} that they paid on XX/XX/2021 ( the same time they double paid the XXXX. This {$210.00} was a penalty payment that the prior lender charged to me in error. They admitted fault for not paying the tax bill from my escrow and after much effort Lakeview finally reimbursed me the fee. The money was sent from XXXX to Lakeview. Only to have Lakeview turn around and charge me again!!!. I am requesting the reimbursement of {$210.00} back to my escrow and then request that they once again run the escrow analysis. This is now going on 6 months that I have been fighting these issues first with XXXX and then with Lakeview. The beginning escrow shortage was over {$2000.00} all of which was errors on both lenders behalf. I am beyond frustrated! | ||||||
| 07/16/2020 | Yes |
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| I make my mortgage payment every month through my bank accounts online billpay service and have done so for years. I typically pay my mortgage payment early. My statements started reflecting that I was behind a few months ago. I made several calls and sent emails but Lakeview Loan Servicing has still failed to post the missing payment. I sent screenshots of my XXXX XXXX account as well as the confirmation number from the billpay service. Recently I went to XXXX where they researched the payment and provided a debit trace number which I have now also sent to Lakeview Loan Servicing. The payment was made on XX/XX/XXXX in the amount of {$1800.00} and was for my XX/XX/XXXX mortgage payment. I made another payment using the same method for my XXXX payment on XX/XX/XXXX and Lakeview received that and posted it as my XXXX payment. I have made my payments the same way for years and never had this issue before. The debit trace number provided by XXXX is XXXX. Lakeview has been mostly non-responsive and emailed me that my issue was resolved after my XXXX mortgage payment was received and posted by them. | ||||||
| 10/08/2018 | Yes |
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Web | Older American |
| Basically I am complaining that two different mortgage companies 1 ) XXXX 2 ) Lakeview/XXXX XXXX mismanaged my money by deciding unilaterally and without my approval to ( 1 ) endorse the check and submitting it to a different mortgage company without first calling me and asking me what to do with that check since this mortgage company had already been paid during closing. The right thing to do should have been to return the check to me. But they decided instead in endorsing the check to ( Lakeview Loan Servicing/ XXXX XXXX ). Lakeview Loan Servicing/XXXX XXXX had already received a check so they should have called me as well to ask me what to do with this extra money. They decided unilaterally without my consent to apply that payment towards principal. By doing this, these two mortgage companies acted as bullies in a school playground and took posession of my check and use it to their interests disregarding mine and causing me to have problems with cash flow to pay other debts. I am a senior citizien in a fixed income and this kind of thing is causing me a lot of aggravation and stress. | ||||||
| 03/12/2023 | Yes |
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| My new mortgage servicer, XXXX XXXX has been sending letters saying they needed proof of my homeowners coverage. I provided this information to them on XX/XX/XXXX and XXXX following a letter they sent each time. My loan originator XXXX XXXX also confirmed they sent them a copy of my homeowners insurance policy. I confirmed with XXXX insurance that they are listed as the mortgagee - XXXX XXXX was actually the ones who changed this on my policy. XXXX which is the company they want to be listed on the policy is there and present. I can't reach anyone on the phone to resolve this. On XXXX I received an e-mail from XXXX XXXX that they had purchased a second Hazard policy on my behalf through XXXX XXXX in an amount of {$3500.00} that I am now liable for apparently. I again sent them a copy of the policy that names them as the mortgagee that they already requested from XXXX directly on XX/XX/XXXX. This seems like some kind of a scam for them to purchase insurance on their own and stick the homeowner with the policy ( which is almost double of what I already paid out of pocket for with XXXX ). | ||||||
| 04/07/2022 | Yes |
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Web | Older American, Servicemember |
| XX/XX/XXXX, we received a letter from Lakeview Loan Servicing LLC advising our mortgage loan records were accessed by an un-authorized entity between XX/XX/XXXX and XX/XX/XXXX. The records accessed contained name, address, loan number and social security number. Problem : Why were our mortgage loan records still in Lakeview Loan Servicing LLC systems and not archived since our mortgage loan was transferred to XXXX effective XX/XX/XXXX? More than two and a half years before Lakeview Loan Servicing 's security breach? The letter Lakeview sent us on XX/XX/XXXX, provided a phone contact number XXXX which we called, and it automatically dropped after one ring. Thus, any questions we had were not answered. Lakeview Loan Servicing engaged XXXX XXXX XXXX and we tried to enroll in their free one-year service but could not because they wanted us to enter our social security numbers and we do not want to give that information to XXXX XXXX XXXX Lakeview Loan Servicing assigned us a membership number XXXX and XXXX which XXXX XXXX should be able to use without having to enter social security numbers. | ||||||
| 05/15/2023 | Yes |
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Web | Older American |
| Lakeview/Loan XXXX isn't processing my escrow account in a timely manner. I made several contact attempts, faxed and emailed the information about my 2023 Homestead Exemption forms. I was given false and misleading information. I was told the Texas didn't have that type of exemptions and also the former employee didn't correctly process the forms-was told this on three separate occasions. I was not allowed to speak to a manager nor had access to my online account. In my www.LOANCARE.com ( online account ) was Lock-out again!!! I have a " managed my password set-up '' and when I select password forgot to resubmit the system will continued denied access also the automated system will continue to send vertification codes over & over. Until I demand computer access to customer service staff and instantly my account was UNLOCKED for usage. This online system is a Scam and I submitted faxed my original EXEMPTION forms in XXXX before the Annual Review in XXXX -- however my mortgage payment shows an increased now XXXX. This is unfair and I have to submit payment by XXXX XXXX to avoid late!!! | ||||||
| 04/13/2022 | Yes |
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| My forbearance ended in XX/XX/XXXX and deferment was approved at that time as well. According to the terms of the deferment letter I will resumed regular monthly mortgage payments of {$1300.00} starting XX/XX/XXXX and the past due amount will be deferred to the back end of my loan terms. But the servicer, Lakeview Loan ServicingXXXX , to this day has not updated my account according to the deferment terms. I've called every month since XX/XX/XXXX to inquire about this issue and every time they tell me it'll be fix in XXXX weeks. I continue to get collection calls from them. It has been 4 months and they still haven't updated my account according to the deferment terms. They are currently showing my account as delinquent with a past due amount instead of deferred as agreed. Now they have applied the recent four payments for XX/XX/XXXX to XX/XX/XXXX towards the past due months at the start of my forbearance which is XX/XX/XXXX to XX/XX/XXXX. Attached is the Deferral Agreement and the latest mortgage statement showing the past amount during forbearance has not been updated as current. | ||||||
| 09/20/2021 | Yes |
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| My mortgage payment for XXXX is missing. I did not identify my mortgage account number on the XX/XX/2021 check. I have the canceled check paid to the mortgage company. The check identifies the moneys were paid but the mortgage company have not posted the moneys to my account. I have not received any communication regarding the check written to my mortgage company-NONE. I have reported this incident to the mortgage company several times via. They said they would elevate the issue to their missing payment department. I have submitted via fax and emailed cancelled check, cash info. letter and bank statement to support that the mortgage company cashed my check to the missing payment dept. as advised by my mortgage company. Days weeks months go by I follow up with the mortgage company, they respond like I havent done anything no responses to the faxes or emails this has been going on since XX/XX/2021. In XXXX I go to the bank thats identified receiving the mortgage payment check and they advised me to request HELP from CFPB. Please please help me get my mortgage account out of default. | ||||||
| 08/14/2019 | Yes |
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| I just purchased my home on XX/XX/XXXX with XXXX XXXX XXXX and it was soon after transferred to Lakeview Loan Servicing. In my contract with XXXX XXXX, I had a grace period of the XXXX of each month with no penalties during the grace period. Additionally, there late fee after the XXXX was not stated to be {$60.00}. However, with Lakeview Loan Servicing, there is a fee of $ XXXX- {$15.00} if payments are made during the grace period and not by the XXXX of each month. I do not believe this is acceptable. I did not ask for Lakeview to Service my loan and I find it quite deceitful and unethical to be charged during a grace period. The first time of making my mortgage payment was to Lakeview Loan servicing, which I paid on XX/XX/XXXX, I was not charged a late fee. Why now, but most importantly, why at all. I would like for my original mortgage contract to be honored. Additionally I have filed a complaint with FDIC as no customer should have to experience this type of unethical practice, especially from a mortgage company that they did not chose to have their loan through. Thank you. | ||||||
| 08/21/2023 | Yes |
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Web | Servicemember |
| My spouse had filed for bankruptcy around XXXX of 2022. I had no idea that this was something she was doing until my mortgage statements just stopped coming without notice, and the last one received was for XX/XX/2022. I don't remember any specific dates that I made contact with them, but have on 3 seperate occasions asked for my statements to be sent and everytime they told me its the law that they can not send them to me, even though I did not file bankruptcy. I had asked them to send me statements for information, because it's law even if I had filed and they said that is not how the law works according to the cfpb. They claimed that the statements had been forwarded to my wifes lawyer, but when asked they have never received a single statement either. My wife 's lawyer has even sent a letter to the company requesting the statements be reinstated and still nothing. The mortgage company also never sent any of my tax documents, I have been dealing with this for a year now and still nothing, I am done playing can I put you on hold and getting passed off to the next unhelpful rep. | ||||||
| 03/31/2023 | Yes |
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| In late XXXX/early XXXX of this year ( 2023 ) my husband and I made a request to have PMI removed from our mortgage. It was followed with a denied request in the mail and we followed up with Lakeview XXXX to askabout our options for a BPO or appraisal. We have asked if we could have a third party complete either of these on our own since we have been yelled at and treated poorly by employees of the Lakeview XXXX and no longer trusted the company to hire a nonbiased party that would only offer fact over the company 's best interest. The company has stated that policy within Lakeview XXXX states that we must have either the BPO or appraisal completed through their company and paid to them for the third party service. We made a formal request for the written policy and date of initial policy being enforced. On XX/XX/2023 the representative started the formal request to have the written and enforcement dated policy sent through the mail to our listed address. We have yet to receive proof of said policy nor have we been treated as valued customers through the employees of the company. | ||||||
| 06/30/2020 | Yes |
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| In XX/XX/2020 I applied for Forbearance on my mortgage. I was not behind but I wanted to make sure I could continue paying. My forbearance started on XX/XX/2020. I paid {$600.00} at the end of XXXX and XXXX to cover my Principal and Escrow for XXXX and XXXX. My mortgage payment is {$900.00}. I received a letter from Lakeview Loan care on XX/XX/2020. They want {$1800.00} by XX/XX/2020. I should only owe {$600.00}. I know I do not owe them this much money and they should not be requesting upfront payment for what I will owe at the end. I have had nothing but problems with this mortgage company. At the end of last year, I received a letter from them wanting {$1200.00} that I did not owe. I paid {$1400.00}. I paid my mortgage on time every month and my insurance and taxes stayed the same without any changes so my escrow should not have been short. It seems like every year the company is asking me for money I don't owe. They have applied this current increase without 30 days notice and because of the Cares Act, this is supposed to be handled when my forbearance is coming to an end. | ||||||
| 12/24/2020 | Yes |
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Web | Servicemember |
| I purchased a home ( V A Housing certificate ( no money down ) in XX/XX/2018. My payments were auto pay for mortgage company to get the payments. After four or five payments Lakeview began to take another payment the third week of the same month. I did call them and they could not say why the second payment was taken. So I made them put it back. After going through this several times I had to close my bank account.. My bank opened a new account and they are making my payments for me.. Lakeview put lies on my credit report stating my payments are late and I missed payments too .I reported them and the lies were removed from my report. I tried to reduce the interest rate on the loan again this year.. Lakeview lies are back on my credit report AGAIN! They told me they are going to leave the lies on my credit report. How can I stop this? My interest rate is 5.2 %. This is against the law to lie on me just to keep the account. My bank statements show my payments are on time, and paid in full.by my bank every month. I am being lied on and blocked by Lakeview Loancare Servicing, LLC.. | ||||||
| 02/18/2021 | Yes |
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Web | |
| Since XX/XX/XXXX, I have set up Auto Pay to pay my monthly mortgage payment to Lake View Loan Servicing LLC Subservicing by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ; Phone : XXXX ). This month ( XX/XX/XXXX XXXX I have noticed that Lake View Loan Servicing LLC XXXX did not make any attempt to charge my checking bank account for the XXXX payment despite of sufficient funding in my account. I have tried hard to contact their toll free number waiting on the phone line for 30 minutes to one hour with no opportunity to talk to a customer service representative. I now realize that I have been assessed a late fee for the amount of {$46.00}. I have set up a one time payment to pay for the XXXX charge plus the late fee but I am baffled to find out why Lake View Loan Service LLC XXXX did not make any attempt to take out the monthly mortgage payment automatically from my bank account this month and then charged me {$46.00} for late penalty. I think there is a glitch in their system which I don't know how to find out because there is no one in their company to answer my phone. | ||||||
| 01/06/2021 | Yes |
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| I've been trying to talk to an actual person at Lakeview Loan Servicing LLC for months about a brief hardship experienced due to Covid-19. I've called every number I can find related to the company. I'm either put on hold for hours, or I opt for a particular department through the automated phone system, at which point I'm either immediately disconnected or put on extended hold again. If lucky enough to not be disconnected, I'm given the option to leave a voicemail for a call back. But surprise. The voicemail box is always full. I've yet to even be able to leave a message. I've left requests through customer service online, but I've yet to receive any replies. I now am interested in refinancing my mortgage and am shopping for the best deals and rates. I'd like to speak with Lakeview to discuss the possibility of a simple rate adjustment. But as before, I can get no one to talk to me. I find it reprehensible that I'm not able to speak with a representative of the firm that holds a quarter-million dollar lean against me after purchasing my mortgage from my original lender. | ||||||
| 07/18/2019 | Yes |
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| Two months after my home loan closed, my mortgage was " bought '' by another company and I was instructed to make payments to them. Two problems arose. First, I scheduled my next payment on this company 's website. They never processed it and, in fact, reversed it and then charged me a {$25.00} " bad check reversal. '' After waiting for 30 minutes, as they skimp on customer service, there was no explanation for this. I was sent no e-mail about this and only found out about it when I went to pay my next payment. The other problem is none of my other payments on my mortgage have transferred over. Twice I have called about this ( each time waiting 30 minutes ) and it is still not rectified. If someone is going to take over your loan, isn't it important that they get your payment history correct? Both times I was told by " customer service '' to wait several weeks and it will correct itself. Nothing has happened. All I want to do is pay my mortgage and not be bothered. Now I have to spend hours dealing with this because this company can not even manage your payments properly. | ||||||
| 10/26/2020 | Yes |
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| My mortgage is set up through bill pay to be paid automatically through my bank. For the months of XXXX and XXXX my bank accidentally send duplicate payments. All payments received in XXXX {$1300.00}, XXXX {$1000.00} and XXXX {$1000.00} total {$3400.00} should have paid my monthly payments in full from XXXX through XX/XX/2020. XXXX applied some of the money received to my principal rather than to payment. I have been in contact via email and phone asking for all payments received by XXXX to be applied towards payment. As of today XXXX XXXX still has not moved all the money over. The two supervisors that I spoke to that sent me an email saying that they have acknowledged all payments received that they see the error and that they were going to move all the money over are no longer with the company. I don't know what else to do but this company has received over {$3000.00} of my money and my mortgage payment is only {$600.00}. I lost my job back in XXXX due to covid and can not afford for this mistake to go on any longer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX | ||||||
| 09/03/2021 | Yes |
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| My Family and I were affected by the XXXX Pandemic and during that time was unable to keep up with the monthly payment. I entered into forbearance in XXXX and continued that program until XXXX. We began to make payments on the account and contacted the Customer Service team regarding errors in the information we were provided and inaccurate reporting to the Credit Bureaus. Those issues were resolved and we began the Loan Modification process. We provided all the documents request and awaited their response. We received an approved Loan Modification but we were advised that a penalty APR or fee would be applied to our loan for about $ XXXX to $ XXXX. This was assessed due to the 10months that we did not make a payment during the COVID forbearance period. It is very misleading and a predatory lending practice to not disclose that a fee of almost $ XXXX will be assessed while we were in the toughest time of our lives, dealing with the XXXX and lost of family members due to XXXX. I feel like we are being taking advance of in this situation and have been treated unfairly. | ||||||
| 08/12/2021 | Yes |
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| CFBP - closed my complaint ( XXXX ) without checking with me first. My issue has NOT been resolved. The letter sent from the servicing provider TOLD YOU that I the customer was to just call the office of the customer at XXXX xt XXXX ( XXXX XXXX ) I did this and was locked into an eternal phone loop that went NOWHERE. You may not follow up on this but YOU DIAL the number and see if you get a person. This FRAUD is continuing to go on ( because they KNOW CFBP won't do their jobs so it is easy to make fools of them ) and I am writing it here so there is a record to show that consumer complaints are only treated with a quick/weak close with NO INVESTIGATION and you only take the BUSINESS side. Try calling the number and extension. Its a small test to VERIFY my complaint that there is no service and the CFPB is not doing anything to actually help the consumer/customer. Apply my mortgage payments to the month I pay them instead of trying to ruin my near perfect credit and laundering or hiding my money to pay for their predatory lending practices. XXXX! XXXX | ||||||
| 08/08/2023 | Yes |
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| Attacher is a copy of the complaint I sent to LakeviewXXXX XXXX my mortgage company. LakeView has been incorrectly/or not reporting my payment history with them for over 8 years now, and it is affecting me adversly. I have never missed a payment every since I have had a loan with them. Nor have I ever been in a bankruptcy with this lender. This lender carries a bankruptcy disclouser on my mortgage staments, and I have pleded with them to discontinue this behavior, but they continue to violate me in this manner. I have researched this company, and found out they have did the same thing to other mortgage holders, and have been fined. This behavior on part of LakeView has cause me to be denied credit for a Home equity loan. Yes, that is another whole seperate complaint coming over to you. My civil rights have been violated and I am not sure if they can understand the affects of having that happen to you. I would like to prosecute this complaint to the furthiest extent possible. please forward my complaint to other governing bodies whom regulates mortgage lenders. | ||||||
| 10/11/2022 | Yes |
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Web | Servicemember |
| I applied for a 3-month Covid-19 loan forbearance in XXXX, knowing that I would be having financial trouble as a result of my family having contracted XXXX XXXX the month prior. I was told I was approved. One week into my XXXX forbearance I began to receive harassing phone calls to make my " late '' payment. The caller didn't know I was on forbearance and then told me I only qualified for ONE MONTH. Then told me that I had qualified for XXXX as well but I'd already made a payment for that month before applying so it didn't count. I applied in XXXX AFTER paying knowing I would not have money for the NEXT upcoming months. Then I received a letter saying I was only qualified for ONE MONTH, the month of XXXX. I borrowed money and tried to log in to pay for XXXX and it would not allow me to make a payment because it said I was behind on payments for XXXX, the month I was supposed to be in forbearance. I am a XXXX veteran with complex XXXX from the military and the XXXX XXXX XXXX. I just spent months in intensive XXXX XXXX treatment for a XXXX XXXX This is not okay. | ||||||
| 10/04/2023 | Yes |
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| I got a new home. The loan did not start until XXXX. My loan was sold to another debt collector, so I setup autopayment in XXXX. My first payment did not go trough for XXXX. I spoke and they said no worries, just make a manual payment for XXXX. I did on XXXX and said maybe your loan autopayment won't work so you'll need to setup another payment. I went to verify the next week and my balance was at {$0.00} due. In the month of XXXX, I receive a call from their debt collector asking why I haven't paid. I explained them my story and issues. She goes and checks my account and see 's I have a {$0.00} balance and says never mind I do see that. I'm not sure why you were on my list. I checked on XXXX to confirm I wasn't late and again saw {$0.00}. Then when I went to check on XXXX, I saw I had a balance for the two months of XXXX and XXXX. I tried to make sure I was up to date and was told multiple times. Now I have a late delinquency and double the mortgage to pay based off their mistake. I was on hold for hours and was told no resolution. To just pay the full amount. | ||||||
| 12/11/2018 | Yes |
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| My mortgage with XXXX XXXX XXXX was bought out by another company Called Lakeview Loan Servicing. I was never notified. I repeatedly tried to pay my original mortgage and was denied access. I just thought something was wrong with the website. After a couple of weeks of this and a message from a credit reporting company that my account with XXXX had been closed, I called my mortgage company only to find out that my loan was sold and they were no longer servicing my loan. They gave me the number to the new company. When I called them, they said they had sent a new customer package back in XXXX. I never received notice that my loan was sold. I had no idea what was going on. I have a credit reporting service that notified me that my account with the original bank was closed. After calling the new loan service, they had sent my new customer package to a wrong address. Now when I registered to pay online with the new company, it states that I have late payments. It is kind of hard to pay a payment when your account was closed and you have no idea what is going on! | ||||||
| 02/24/2022 | Yes |
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| I went into forbearance in XXXX of 2020 due to XXXX and my job being entirely commission based. I was told when I went into forbearance that my credit would not be negatively impacted. On many recorded phone calls with XXXX I clarified and inquired to make sure that was going to continue to be the case. I have never missed a mortgage payment and I take my credit very seriously. I was told that if I was current on my mortgage payments before I entered forbearance that I would maintain a current status after. I received documents from them to obtain a partial claim in order to get a subordinate XXXX lien to bring the payments current from the forbearance period. These documents expired and they sent me a new set which were promptly returned. I now have 3 months of late payments and foreclosure information reporting to my credit and I have never missed a mortgage payment ever. I need this information removed as I was told over and over by XXXX that I would not be negatively impacted and I have been now after the fact and they have told me they can not fix this. | ||||||
| 10/21/2021 | Yes |
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| According to our loan payment history with Lakeview XXXX, ( history attached ), our {$80000.00} principal payment finally applied on XX/XX/XXXX lowered our loan to less then the 80 % LTV ( see attached LTV record ). I say finally above, because this payment made it to Lakeview XXXX, thanks to a previous complaint ( see closed complaint XXXX for more details ) which should have had the {$80000.00} principal payment applied at the end of XXXX, not XX/XX/XXXX, and to our previous loan provider XXXX XXXX loans. This LTV of less then 80 % would have allowed us to have our PMI dropped with XXXX, who then sold it to XXXX, who then sold it to Lakeview which is where this complaint begins. On XX/XX/XXXX I paid {$100.00} to have our home appraised to have our PMI cancelled. They said it would take 30 days ( it is now XX/XX/XXXX ) and there has been no appraisal and no PMI cancellation progress. We have been paying unnecessary PMI since at least XX/XX/XXXX, for now 5 months @ {$78.00}. I just spoke to Lakeview yesterday, XX/XX/XXXX and they said to be patient. | ||||||
| 07/01/2019 | Yes |
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| My loan was sold to XXXX XXXX last year, and I have had nothing but XXXX dealing with them. I pay online monthly through XXXX XXXX, and they constantly don't get it and are calling me that the payment hasn't been made. I verify with XXXX XXXX and it in fact has been made. When I call XXXX back I am on hold for about an hour each time. The person who answers says they can't help me and that someone will email me or call me, and no one ever does. I have had 2 different payments show up as delinquent because of this and it is effecting my credit history. I called again today for the same issue, and put my number in the automated system for a call back. No one ever called back, so I am on the phone again and it's already been 30 minutes. I also submitted a request for new appraisal with a check as directed by XXXX XXXX. It was received and applied to my loan. I called to complain it was changed with the promise of new appraisal to come. I never received a new appraisal, and I finally asked for a refund and it has not been refunded. My loan number is XXXX | ||||||
| 11/16/2022 | Yes |
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| I have a home loan that i closed with the ledner i work with XXXX. The servicer is now LakeviewXXXX During that processing of closing the house ( being that it's a new build ) we projected the taxes based on the county tax rate and value of the property so that way i wouldnt have an escrow shortage. They did an escrow analysis prior to me being in the home for a year ( tax bill is out and has been out with the assessed value for this home since XXXX. ) During that analysis they did not review the correct information with the county and verify the taxes that are to be paid in less than 30 days. Now i have an escrow shortage and my payment has decreased which it should have NOT decreased. This is something that shouldn't happen, they should never do an analysis on the escrow prior to the bills being paid. Now i have to run around like a chicken with my head cut off waiting for a XXXX dollar check so i can make sure i can pay my taxes. Which SHOULD HAVE NEVER LEFT MY ACCOUNT until the bill was paid. This is terrible servicing and terrible customer service. | ||||||
| 03/04/2020 | Yes |
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| I have a home loan through Lakeview loan servicing llc and make monthly payments on this mortgage of a little over {$1000.00} each month. Over {$300.00} are taken out each month for an escrow account ( property taxes and insurance ). The property taxes on this property were due before XX/XX/XXXX. Lakeview has failed to pay them. I have contacted Lakeview loan servicing llc 9 times since XX/XX/XXXX and spent countless hours on hold to get the run around and absolutely no where with them. Here we are 2 delinquent notices later ( XX/XX/XXXX ) and they have not paid property taxes out of escrow. They have told me multiple times on the phone that they would get them paid in 3 business days but they have failed to do so. In XXXX I faxed them the first delinquent notice with a letter and cover letter after they had requested me to do so. They still failed to pay it once they recieved it. They are taking my money each month and are failing to do their job and pay my property taxes in a timely manner. Attached are the documents I faxed them. Thanks, XXXX XXXX | ||||||
| 02/05/2020 | Yes |
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| XXXX XXXX XXXX increased our monthly payment amount on our mortgage late in 2019 to approximately {$2700.00}. The changed occurred in XXXX, and we were not aware of this change. We consistently paid in excess of the previous monthly amount. Prior to the change our monthly mortgage payment was approximately {$2500.00}. We would pay anywhere between {$2700.00} and {$3000.00} a month. I believe we paid {$3000.00} in XXXX. Again, because we paid {$3000.00} the payment change went unnoticed. In XXXX we paid {$2700.00} thinking our payment remained at the {$2500.00} amount. XXXX XXXX did not apply the amount and we were not aware that we were short {$70.00} until the account went 30-days late. Once we discovered the issue it was immediately correct. It should be clear to any reasonable person what occurred with this situation. The change in our monthly payment happened so late in the year it was not expected. We thought we were paying in excess of the monthly amount due in XXXX. We are disputing the 30-day late notice on our credit report for this reason. | ||||||
| 05/01/2023 | Yes |
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| Our loan was sold from XXXX to a company called XXXXLakeview XXXX We dont pay taxes on our property, we pay what is called a pilot into a pilot program through the township. This is an agreement with the town for 30 years to keep our pilot amount half of what taxes for the same place would cost. I have explained this and provided the township 's pilot bills to XXXX/Lakeview. They have miscalculated what we owe in our escrow, and collecting more than XXXX more that what we actually owe per month, bc they misread the township 's pilo statement. I have called XXXX/Lakeview at least 5 times, spoken with and visited our township for help, to no avail. If we dont pay the XXXX extra every month, they threaten to report us a loan default. We can not continue to afford a payment XXXX higher than what it should be, monthly. We are desperate for some help but the company is unwilling to help us. The township where they pilot gets paid- XXXX XXXX XXXX XXXX/Lakeview- XXXX. Our loan number is XXXX they are up to charging us {$6500.00} per month. Please help. | ||||||
| 01/07/2017 | Yes |
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Web | Older American |
| I have made numerous attempts to move forward with a loan assumption through Freedom Mortgage and/or XXXX. I 've completed the email request process per their instructions with the confirmation from them they were going to send me the loan assumption packet within 7-10 business days. It 's been 2 months and no packet. Every time I call, both of these institutions shuffle me back to the other. The one time I did get a hold of someone who was able to pull up my account, they told me they could not move forward until the investor responded back to them, even after it was previously verified that my loan is eligible for assumption. The last time I called, neither institution, Freedom or XXXX could find my account. I feel this is a stalling tactic to dissuade me from allowing my daughter to assume my mortgage and they would rather do a bait and switch to get us to apply for a new mortgage. Please help me get some resolution to this so that we can move forward with the loan assumption. I 'm not in the best health and on a fixed income as I 'm retired. | ||||||
| 11/14/2018 | Yes |
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Web | Servicemember |
| I submitted an official appraisal done on my home to prove our Loan to Value is good enough now to have the PMI removed from our payment. The company refused my appraisal, told me I had to pay for one of their appraisals done. Sent me a letter stating I had to send them an official check in the amount of {$420.00}, which I did. Once they received the check, they mailed me another letter stating that now I owe {$200.00} more dollars to get their appraisal done. I have followed all of their instructions on how to get this done and they keep dragging it on and changing what I have to do. Why did they not send me a check list of exact steps from the beginning. They told me I have a 90 day window to complete this but they take 3-4 in between responses and wasting my 90 days when I comply with their demands right away. I started this process in XXXX and I am running out of time. They are not making this process simple or helping me to get this done. I have done my part and they will not do theirs. I have never been late on a payment in 2.5 yrs, ever! | ||||||
| 05/02/2022 | Yes |
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| Reached out today ( XXXX ) and spent XXXX and XXXX being passed around from department to department. And NOBODY could/wanted to discuss where my increase in payment was from, I understand shortage in escrow but when my taxes had very little change and my insurance only changed {$220.00}. But to have a shortage of $ XXXX?!? They also could not and would not provide a valid contact number to the actual Mortgage holder ( which happens to be the same as the company acting as a 3rd party ) just a bunch of passing the buck, after clearly explaining and identifying myself EACH time! What a waste of time and unprofessional way to treat the consumer. Just want clear and documented numbers of where this increase came from and how especially having ALL current info at the time of the projected years change And each time I reach out to inquire on my mortgage or ask for information I get NOWHEREThus resulting to reaching out to the CFPB which amazingly I get a call back/from the company and FROM a person who can correct/fix the situation the first time | ||||||
| 06/23/2022 | Yes |
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Web | Servicemember |
| I am a United States retired XXXX, XXXX I used a VA fixed XXXX for 30 year on a XXXX home. Payment at closing with XXXX XXXX on XXXX XXXX payment was set XXXX month. From day one my loan was purchased moved to XXXXXXXX XXXX XXXX XXXXXXXX, from day one they started changing my monthly payment first by XXXX, XXXX it just kept going up. I have never missed a paymnet. On XXXX the predator company report my LOAN to VA home loan as Perforclosure. I iquickly call VA homeloan to tell them I had nit miss a payment. I never heard back from VA XXXX XXXX. This year my property tax has increased 150 %, a increase of XXXX in one year. From a XXXX home XXXX property assessment which again drives up my mortgage and home insurance I QUALIFED for this XXXX townhome off my military retirement and a portion of VA XXXX. for the last 2 years LAKEVIEW claims they RETURN al my payments total XXXX I send to Lakview, Lakeview reported to VA they had not received a payment since XX/XX/XXXX, I present copies and receipts showing I paid XXXX from XXXX XX/XX/XXXX XXXX | ||||||
| 01/03/2022 | Yes |
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| My loan is/was with XXXX XXXX XXXX. I was on a forbearance plan which terminated on XX/XX/XXXX. I signed up for a junior mortgage and was to begin making payments again on XX/XX/XXXX. XXXX XXXX XXXX supposedly sold my loan to XXXX XXXX XXXX XXXX XXXX, which has no record of my mortgage. When speaking with XXXX on today, XXXX ( XXXX ) stated she could take my payment over the phone. I stated I wanted to pay online. I was then transferred to XXXX XXXX ( XXXX ), who told me that I could not pay online because I had written too many bad checks. I told XXXX I had never written a bad check in my life and had been paying online since they bought my loan in XXXX. XXXX then transferred me to XXXX ( XXXX ), a supervisor, who said my loan was in the process of being sold/transferred. I asked XXXX how do I pay if the new company says they have no record of my loan and he said their was nothing he could do. I am also concerned with the fact that I completed junior loan paperwork with Lakeview Loan Servicing, yet, they sold/transferred my loan. | ||||||
| 05/01/2018 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Loan # XXXX Lakeview Loan Servicing XX/XX/XXXX I submitted a request to have my Escrow property tax payment reduced because I filed for Homestead Exemption in XX/XX/XXXX and it was approved for this year, XX/XX/XXXX. I submitted all the documents I received from the XXXX County Tax Collector 's Office to the loan servicer, Lakeview Loan Servicing , LLC and they are refusing to make the necessary adjustment to my Escrow payment. The adjustment would affect my property taxes by approximately $ 400- {$500.00} per year. If the servicer has a concern about the documents I presented, they can check the Property Appraiser 's Website. I think it is unfair that I am being forced to put more money into my Escrow account than is necessary. I would also like to know if I can receive interest on my money that is being held in their escrow accounts. I do not wish to speculate but this might be the reason why they are trying to force me to put more money into my escrow account than is necessary. | ||||||
| 10/08/2021 | Yes |
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Web | Older American |
| Our problems are two fold. First, we received an offer to refinance from our current mortgage company, Lakeview Loan Servicing. Upon qualifying, the the closing statement erred in that included closing costs financed into the loan amount that the offer stated would be waived. After protesting two times we were finally advised by the representative for Lakeview and XXXX XXXX XXXX, their servicing agent that they would not alter the closing statement. Second, as the process was taking a long time we provided the appraisal requested by Lakeview to their Escrow Department on three occasions to remove the PMI on the current loan. Three times they sent the same form letter ( the last one dated XXXX2021 ) stating the loan to value was not 80 % when the appraisal and loan payoff reflect a loan to value ratio of 77 %. We include the offer letter on a mortgage refinance, our appraisal requested by and provided by the appraiser of Lakeview 's choosing and al letter of our last attempt of three appeals made for them to reconsider their position. | ||||||
| 01/09/2023 | Yes |
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Web | Servicemember |
| My mortgage was sold to Lakeview Loan Servicing , LLC and since the moment they have bought my loan, it has been a complete nightmare. I have Automatic draft set up for the XXXX of each month, and every month i'll get 6-7 phone calls throughout it with an agent asking me if I'm able to make a payment. The payment was made, but they continuously keep putting it in the wrong account. This has been ongoing for month, and even being proactive, calling ahead to get confirmation they applied the payment to my exact loan, I'll still get calls throughout the month telling me i need to make a payment. They go in and check, WRONG ACCOUNT AGAIN. Their customer service is terrible and no help. You get the same response every single time. " I'll take care of this right now for you, it won't happen again '' only to get a call a week later showing nothing was done. After reviewing the XXXX website, there are hundreds of reviews of this same exact thing happening to them. How can this be such a widely known problem and nothing is being done about it? | ||||||
| 05/21/2021 | Yes |
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| I was working with the Lakeview Loan Servicing since the end of XXXX of 2021. I wanted to refinance my home at a lower rate. My loan officer was XXXX XXXX. He told me that refinancing process will be easy and would not take more than a month because I was an existing customer and the company had all my records. He told me to make a XXXX payment and skip the XXXX payment. On XX/XX/XXXX I called mr.XXXX. During this conversation he told me to make the XXXX payment and dont worry about the late fees. He told me that the late fees would fall out once the refinancing process is complete. I mailed the payment the same day. After that, I have not heard from Mr.XXXX at all. I left multiple voice mails and emails but he was unreachable. On XX/XX/2021 I found out ( from another representative ) that my loan application was denied because of the late payment in XXXX. The same day I spoke with the Vice President of the company - XXXX XXXX. XXXX XXXX promised to take a look at the situation and call me back the next day. I have not heard from him. | ||||||
| 01/15/2021 | Yes |
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Web | Servicemember |
| We paid off our mortgage on XXXX XX/XX/XXXX. We paid it off 20+ years early to get out from under them. We have yet ( XXXX XX/XX/XXXX ) for Lakeview Loan Servicing , LLC to send the lien release documents to our county to process the title. They are essentially holding our house hostage. I have called numerous times to try to resolve this. I have been hung up on, dropped from calls, been talked down to, endured literally hours on hold, never talked to the same person, had the issue escalated and supposedly expedited. I was never rude, but my frustration with the process was evident. I even apologized for my frustration! I have NEVER had this kind of difficulty with any company, including Medicare! All we want is for them to send the lien release documents to the county. Our county has NEVER received anything from XXXX. I am considering legal action, but to pay extra for something the company should be doing is outrageous! They were fine so long as we owed them money, but the minute the loa was paid off, it has been a different story. | ||||||
| 08/07/2019 | Yes |
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| I contacted company to ask, if my name be removed from mortgage through divorce in XX/XX/XXXX. Told me, I could that coborrow can take full responsibility of loan, if paid on time for 6 months. I contacted to have this done. Someone had to check with someone else, said yes the loan is summed up. Please submit the request in writing with his signature. In XX/XX/XXXX. Snet the information. Then told me need3d divorce decree. I sent that information in XXXX. Then said, I had to send a email ticket request. Nothing ocurred. I contacted and emailed every month with an update. Different answer everytime called. Then said, never got anything. Which we did. They emailwd me the exact paper i sent them back that he needes ro fill out. Then last time I spoke said it could take 6 more months, ehixh I know was a lie because they wanted me to stop calling. It has now been over a year. Nothing has changed! I am sick of the circles. Getting nowhere, transferring, different answer everytime, emailing, and calls. They lied and the calls are recorded. | ||||||
| 03/30/2022 | Yes |
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| I have been trying to have my escrow account removed for 45-60 days with Lakeview Loancare Servicing . I started with an email request and never received a response. I then followed with a phone call and received information. I made the necessary payments and never heard anything back and then followed up again on XX/XX/2022. I was told that I needed to submit a written request so I then did that and was told to wait up to 10 days for processing. After 14 days on XX/XX/2022 I followed up because I had not seen an adjustment on my account. I was then told that my escrow account had a balance and needed to be paid. When looking at the transactions on the account I noticed that the servicer magically paid {$8.00} for a hazard insurance payment and then credited the payment back. On XX/XX/2022 I called again and the servicer can not tell me who the payment was made to, for what reason the payment was made, and why I show a {$0.00} escrow balance but they saw I have a balance and therefore are refusing to cancel my escrow. XXXX XXXX | ||||||
| 05/03/2020 | No |
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| THIS IS STILL NOT RESOLVED! and cfpb I need to add you to my complaint. When are you going to investigate this and do something about it! This has been over a year now that I have been trying to resolve this. It's lakeview loan servicing/my loan care that made the mistake! They overpaid my taxes. They didn't even wait for the bill. AND THEY DID IT AGAIN and AGAIN! They sent {$1000.00} XXXX20 and {$260.00} on XXXX2020. That's like double that was due! THIS SUSPENSE ACCT XXXX IS JUST ANOTHER SCAM FOR THE MORTGAGE COMPANIES TO RIP YOU OFF! If they wouldn't of sent {$1000.00} instead of the XXXX that was actually due, I never would of needed any suspense acct! I paid exactly what my closing papers showed for the first year - which was correct. Instead of having {$590.00} in my escrow acct after they paid my insurance Loancare shows me as having an escrow shortage. AND IT JUST KEEPS GOING MONTH AFTER MONTH! WHEN IS SOMEONE GOING TO GET OFF THEIR XXXX AND DO SOMETHING. I am dealing with XXXX XXXX XXXX and I don't need this XXXX! | ||||||
| 05/08/2023 | Yes |
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| I am currently in dispute with this company of the validity of this debt. See CFPB complaint XXXX. Before this complaint I received a letter from the company requesting that I would give them 30 days to investigate the validity of the debt. This date started on XXXX XX/XX/2023. Before this request and during I have received bills from the company demanding payment. Most of the bills are dated before Lakeview request so I have ignored them. On Friday XXXX XXXX XXXX and dated XXXX XXXX XXXX I received a bill demanded payment along with Lakeview threatening to affect my credit and possibly seize my home. According to 15 US 1692 g Lakeview must cease all attempts to collect on the debt and can not negatively affect my credit unless the debt is validated. According to the bills by the company ( if the debt was valid ) my first payment would have been on XX/XX/2023, making a threat to seize my home very threatening. An addition in my letter requiring validation I notified Lakeview to cease all contact with me or anyone in my family. | ||||||
| 11/28/2022 | Yes |
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Web | Servicemember |
| at the beginning of the year XXXX XXXX me and my wife bought our first home, va backed, and was told the mortgage payment were going to be XXXX a month ... and for the first 3 months everything went well then about XXXX got a letter stating my morgage payment was increasing to cover a shortage in the escrow account at that time i understood it was a short term to help get extra money in that account ... after a few more months of paying the higher cost i called and asked in XXXX and was told they would review the account in XXXX XXXX XXXX .... so, I waited for payments to go back down but in late XXXX i got another letter stating the same thing and now my Morgage is going up again but this time to XXXX a month and i can't afford it but the company won't drop the payments back down to or even close to what was. if this is an annual assesment why has it gone up twice within 8 months ... why was my va loan approved for the XXXX amount if they were just going to increase it in a few months saying not enough in escrow accnt... | ||||||
| 07/31/2023 | Yes |
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| I am requesting that the CFPB take a look at the excessive fees that are being charged by XXXX ( Lakeview Mortgage ). I have been behind on my mortgage for the last 6 months and I have been charged over {$45.00} a month for a late fee. This is abusive and excessive. If someone is struggling to pay their mortgage, why would they charge a borrower excessive fees which contribute to individuals falling further behind. I made a mortgage payment in XXXX but I was short by only XXXX dollars, yet I was charged a late fee and a return item fee of {$25.00}. Almost {$100.00} being charged to me as a borrower. When I tried to apply for mortgage assistance online, the XXXXLakeview website freezes. I think their website doesn't work on purpose. I had to make the last payment by phone due to the ineffective website. Please cap these excessive fees from XXXX/Lakeview. They are raking in record profits and the consumer is hurting. The economy is only getting worse and there is no one there to help the low and moderate income Americans. | ||||||
| 04/10/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020, I applied for a loan modification with Lakeview Loan Servicing subservicing by XXXX. I submitted all the documentation necessary to complete the modification. I called to follow up and they offered a repayment plan for 6 mo in the amount of XXXX, which was clearly not attainable, the agent on the phone said " I'm looking at your financial statement and I do not see how this was possible ''. He then sent the paperwork to the underwriter for a second review. Once again, I called to see the status, they state that I have been approved for a modification which consisted of a repayment plan of almost 1500 per month for the next 6 mo. My original mortgage payment is XXXX and I was having difficulty. I have attempted to reach out to them over and over. I truly feel this is a predatory process waiting for homes to become foreclosed. I'm actually at a loss, I know I meet the guidelines for a modification, they continue to push me aside. This company should be closely investigated before there are more victims than me. | ||||||
| 03/16/2021 | Yes |
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| I have been getting letters in the mail stating that I am past due. I have been trying to reach this company since XXXX and have been very unsuccessful. Today Tuesday XX/XX/XXXX, I was on the phone for over 2 hours and got transferred multiple lines to dead lines or the reps would hang up on me. This has been happening for the last couple of weeks. I am trying to refinance my loan to be able to get a more affordable mortgage payment and even my loan officer has been trying to help me resolve the issue with no success of being able to get ahold of someone at XXXX. This is becoming very stressful and impacting my credit. I have never missed a payment, and this mortgage company is a nightmare to work with. This mortgage took over as my servicer XX/XX/2020, they truly do NOT care for their customers. I have attached my payment History to reflect my payments are Up to date. XX/XX/XXXX was the first payment due to them as you can see I made my first payment XX/XX/2020 due XX/XX/XXXX, I always make my payments early. | ||||||
| 10/13/2021 | Yes |
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| I been in the forbearance program since XX/XX/XXXX when the Pandemic start and i was schedule to be out in XX/XX/XXXX, since than i been dealing back and fort with my Mortgage company which is Lakeview Subserviced by XXXX, they keep denying the require paper work to complete the XXXX XXXX, so far i have return 2 set of paperwork sign and by the Notary Public they keep saying that is wrongful fill out, since last one send out to them i have ask to have a Mobile Notary Public that i'm waiting it has been a month today XX/XX/XXXX that Mobile Notary Has not contact me, I call today XX/XX/XXXX and spend 2 hours on the phone to speak with a member of management XXXX ID XXXX from XXXX XXXX and provide a Tracking number from XXXX XXXXXXXX which they was send out in XX/XX/XXXX and XXXX XXXX and could not be located, documents were requested Wednesday XX/XX/XXXX for second time which are due to be return in Thursday XX/XX/XXXX and still have not receive a call from Notary public to schedule an appointment to sign documents. | ||||||
| 01/13/2022 | Yes |
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| We called our mortgage company ( lakeview loan service ) on XX/XX/XXXX to change the date of our mortgage to the XXXX of XXXX instead of the XXXX. I was assisted by a women who change it over for me. On the XXXX of XXXX my mortgage of {$1600.00} came out of my account because of the holiday. Then another {$1600.00} on the XXXX which is the day i wanted it out. Now my bank account has been negative for the past 8 days. When i called and spoke to a superviser at lake view he told me that this suituation was the completely the fault of the women who assisted me. He told me all He could do for me was refund my money back which would take 3 business days ( wednesday the XXXX ) and come into my account. Now it's the XXXX business day ( Thursday the XXXX ) i call the company again and they tell me it was sent by Mail and I wouldnt receive it for XXXX days from the date it was sent which is the XXXX. When I asked to speak with a manager they put in a request and said it would take 24-48 hours until they would contact me. | ||||||
| 12/06/2019 | Yes |
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| To whom it may concern ; I am extremely disappointed in the service I have received from XXXX XXXX at Lakeview Loan Servicing LLC -subservicing by XXXX . From his lack luster responses, attitude and basically threatening to remove my refi application just because I asked to talk to a supervisor about a better rate since the Fed had cut the rate and I am getting offers in the mail that are much better and sent him a screen shot of one of these offers over the mail. The fact that he refused to transfer me to a supervisor, threaten to remove and probably did my application, and offered a way over 4 rate, when the rates are at 3+ %, makes me believe this institution maybe conducting in a predatory lender way and should be investigated. Please help. I am an existing customer and the loan in question is Loan Number : XXXX. The service office and name of the threat making rep that was handling my refinance : XXXX XXXX Mortgage Loan Originator, NMLS # XXXX Any help is appreciated. Thank you! Best regards, XXXX | ||||||
| 03/03/2020 | Yes |
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| My taxes increased roughly {$1300.00}. I was not aware but I do not dispute the increase. The mortgage paid the taxes and increased the debt in my escrow. They increased my monthly payment from {$740.00} to {$1100.00}. Clearly a {$390.00} increase to my payment far exceeds the increase in my taxes so I eventually got a hold of a human at Lakeview Loan and she agreed and started a re-balance calculation process for my escrow and she committed to a response within a week. That all began on XX/XX/XXXX and still no resolution. Mean while my auto payment is still being made at {$740.00} and I have been assessed roughly {$100.00} in late fees. This is investment property and I plan to pay the escrow off and put excess in the account. This mortgage company has not responded and I remain in limbo with my only option to pay this ridiculously excessive monthly amount. I have never had such difficulty with any agency. I call them and wait for roughly 10 minutes just to leave my call back number to which they never make. | ||||||
| 12/04/2023 | Yes |
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| Since XXXX of XXXX, I have been submitting them proof of hazard and all kinds of insurance that is provided by my Home Association and they kept claiming they are not getting them, even though I get an email stating it has been received. Now for the month of XXXX and this new bill, they are charging me {$280.00} more in my mortgage payments stating they had to buy insurance for me. I have proven them multiple time that I have insurance. When I talk to the insurance department, they said they canceled the purchase of new insurance back in XXXX but I am still getting charged. They keep transferring me from department to department. They escalated my last complaint and I was supposed to get a call back within 5 to 7 business days. It has been 3 weeks, and no answer. I am currently on the phone with them and they put me on hold. It has been over an hour and Im still holding. No one is helping me with this and I can not afford to pay almost {$300.00} more for something I already proved to them I have 10 times now | ||||||
| 10/20/2022 | Yes |
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| My original lender sold my mortgage to Lakeview Mortgage company over a year ago. I paid my first years XXXX years escrow no problem. Then the servicer for lakeview, XXXX servicer, sent a letter back in XX/XX/2022 informing me that my escrow balance was too low and requiring my payments increase from XXXX monthly to XXXX monthly. I was upset so i called and had a long conversation where they explained to me what happened. They told me that this change was only for XXXX months and to make up for a mistake on their end and that my home owners went up slightly. However, they were convinced that, after XX/XX/2022, i could resume my original payment. However, in XXXX, ironically, they changed service providers again, moving to XXXX XXXX servicer. Now they are telling me that very little came over from XXXX in my escrow. Now XXXX XXXX is telling me that i am projected to owe over {$400.00} in escrow at the end of the year. I need someone to help me find out where my money went and why this keeps happening. Please. | ||||||
| 09/13/2019 | Yes |
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| My second mortgage was purchased by Lakeview Loan Servicing in XX/XX/2019. This is a down payment assistance loan that initially started out at XXXX. When the loan transferred to Lakeview Loan Servicing the balance on my loan reset to XXXX and my additional principal payments were applied to interested. The servicing company also attached an escrow and charged me $ 1300+ for 1 month. This issue was rectified due to a complaint that I filed. I've called multiple times with no resolution and receive a different answer each time. XXXX XXXX is servicing the loan and will not assist with correcting the issue. They keep telling me that this is an interest only loan and any additional payment made will go towards interest. This company is stealing my money and misleading how they apply payments. My closing attorney and bank stated that I can make payments to this loan. They also reviewed the note. Old Account ( before transfer ) - XXXX New Account ( after transfer ) - XXXX Both accounts were serviced by XXXX XXXX | ||||||
| 12/06/2023 | Yes |
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Web | Older American, Servicemember |
| We have been calling XXXX XXXX since XX/XX/XXXX everyday or every other day until XX/XX/XXXX. XXXX XXXX has advised that they are not a mortgage company and our mortgage is owned by Lakeview Loan Servicing LLC. Attempting to communicate with Lakeview only puts you back in touch with XXXX XXXX. If this form is not completed, XXXX XXXX XXXX XXXX is going to access us {$9200.00} impact fees to build an addition to our home. The addition is going to cause no impact because only family is going to reside in it. We are not going to expand our family and my wife and I have lived in the home for 40 years. It would be a Biblical experience for my wife, XXXX XXXX XXXX and I, a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX veteran, to expand our family. We are in a bureaucratic black hole between the of XXXX XXXX XXXX XXXX and the bureaucracy of being unable to get a simple form completed by whoever holds our mortgage. XXXX XXXX says they do not hold the mortgage and Lakeview is impossible to communicate with. | ||||||
| 09/14/2021 | Yes |
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| Since XXXX I received a letter from Lakeview confirming that my forbearace had ended and that I had to pay again or take up a payment plan ; On XX/XX/XXXX, I called and spoke with an advisor and chose between downloading the interest rate to lower the fee and / or lengthen the time and lower the interest, the advisor of the morgage company told me that they would send the two proposals so that I could choose the one that best accommodated, after that call call the XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX and they always tell me not to worry that they will send the documents soon ; It seems to me that enough time has passed for them to send me the documents so that I can continue to pay my morgage. note : additionally since the month of XXXX I have tried to make payments for the page and it does not allow me because my user is blocked and what all the advisors have told me is that it is due to the arrangement contract process ; I think that is mi right to make payments and verify my account statement. | ||||||
| 12/16/2023 | Yes |
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| I bought a new construction home in XXXX XXXX XXXX XX/XX/XXXX. When the XXXX, property tax for the home was applied, I was in arrears of {$2600.00}. I understand that I owe Lakeview Loan Servicing , LLC that money as they paid the tax. However, my dispute is the cushion they applied to my balance. They applied {$2700.00} which brought up my balance to {$5300.00}. Marked you, my escrow also went up from {$310.00} to {$610.00}. So now the total increase in my mortgage payment is from {$1300.00} to {$1800.00} because I took the XXXX payment plan to pay off the {$5300.00}. I have an issue with the cushion, I understand that Federal Law states there needs to be a cushion but from my reading, it states XXXX escrow. {$2700.00} is much more than 2 months ' escrow and even worse when I spoke to a representative yesterday, XX/XX/XXXX, she told me that the Federal Law states that the cushion is {$2300.00}. XXXX I get some help in this matter, please? I am having a hard time making this monthly payment. Thank you | ||||||
| 12/01/2023 | Yes |
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| Company was part of a ransomware hack in early XXXX. as of XX/XX/XXXX, they have yet to communicate to their customers that this happened. I had to find out through chat boards of this event when XXXX why i couldnt log into my account or why the site was done. the company sent an email XX/XX/XXXX that the site was back up and running. for the last two days, it has contstant error messages and you can not navigate anywhere. It shows that i made a payment ( when i never did or got a confirmation ) and when you call the customer service line, they have it turned off so that you can not communicate with anyone. I have had to call my bank and put a block on lakeview from withdrawing any money as i dont know how many times they will deduct funds since while trying to pay, the site kept crashing. You would think a company would reach out and tell its customers that their personal information is now all over the internet but no, they want to remain silent and then make it impossible for us to pay our bill. | ||||||
| 04/01/2021 | Yes |
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| I was in forbearance due to COVID-19 with MyLoanCare for my mortgage and anticipated exiting in XX/XX/2020. I set up a payment arrangement for my payment plan to get caught up and made a {$2000.00} payment at that time. I was told that I would receive a packet in the mail that needed to be signed. I never received a pack but called and made another payment manually. They said they would send out another packet to enter the plan. Again, I never received the packet. Since then I have called and e-mailed multiple times about my plan and have tried to make a payment, but have been unsuccessful. I finally received a letter today saying that they were going to start foreclosure proceedings. I called and was able to speak to a representative, however, they have no record of my repayment plan or payments and said that they reported me to the credit agencies ( the agent was " XXXX '' # XXXX XXXX. I am fully prepared to pay a large portion of what I owe. I just need to be able to make a payment! Please help! | ||||||
| 03/16/2020 | Yes |
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Web | Older American |
| When my renters caused damage to my unit I could not rent it for several months until it could be repaired. The resulting loss of income caused me to become delinquent on my mortgage. I was finally able to secure a modification in XX/XX/XXXX and have made payments as required since that time. I received in late XXXX that effective XX/XX/XXXX my mortgage payment would be increasing from {$920.00} to {$1500.00} due to an escrow shortage. In reviewing the letter I could see that my taxes and insurances had not increased significantly and the shortage was due to my modification. When the loan was modified the lender did not include my escrow shortage into the amounts due so that after the modification was completed I immediately started out with a deficit of {$7000.00} in my escrow account. When I questioned my servicer about the shortage their response was to simply apply for another modification ignoring the fact that I have an FHA mortgage which is not eligible to be modified again until XX/XX/XXXX. | ||||||
| 12/27/2018 | Yes |
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| The CFPB closed my prior complaint number ending in XXXX due to XXXX a subsidiary of Lake View Loan Serving because it stated that it only acts as the disbursement center of my payments however that is not true. This company ( XXXX ), is the only link available to the ME the borrower/consumer. The telephone number given to me by XXXX leads right back to XXXX. There needs to be an investigation into both the parent company and the subsidiary. There is supposed to compliance under Dodd-Frank Act to protect the rights and interests of consumers and to be able to contact the actual lender. Lakeview and XXXX practices are deceptive. Further, the Company ( s ) is not accounting for my payments correctly nor providing information on how much is being paid to the two different insurance companies or why there are two different insurance companies in the first place that they are paying on supposed my behalf. Lastly, XXXX would not allow me to be placed in a loan modification on or about XX/XX/2018. | ||||||
| 06/11/2020 | Yes |
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Web | Servicemember |
| I was in the process of refinanceing my Mortgage, which I started in XX/XX/2020 I was working with someone from Lakeview Loancare Loan servicing, I had submitted all the info paper work and such and was told I would be closing the end of XXXX. I revieced an email on XX/XX/XXXX From XXXX XXXX Mortgage loan officer not to make my XXXX payment that we were close. I emailed hime several times and he responded that we are all good and close. well when I didnt hear anything back by XX/XX/XXXX I started to call the customer service line because XXXX was not answering my phone calls or emails. I found out that they kick out my refiance because I was 30 days late on my payment. I spoke to a few managers XXXX XXXX XXXX for one who said he was going to see what he could do .. I also spoke to a Mo XXXX and it is now a week later and I have heard nothing back. I made XXXX and XXXX payment now. but I want this refinance they had me locked at 3.1. This is not my fault and terrible costumer service on their part. | ||||||
| 12/01/2023 | Yes |
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| Ive been trying to pay my mortgage payment of {$1900.00} for the last week but was unable to due to the portal not functioning properly. My due date is XX/XX/23 and today I was finally able to get in but keeps getting an error that says internal server not found. Then was able to finally login but every time I would go to pay it wouldnt allow to submit. I even re-added my bank info in case there was an error. Still couldnt process payment. Called and tried to speak to a representative phone number XXXX couldnt get through to anyone! Tried paying through automated system I am unclear if my bank payment of XXXX went through. I was given confirmation # XXXX but my bank hasnt withdrawn the amount, my portal doesnt have record of it and I did not receive an email confirmation like I normally do. I tried contacting them through the online form but same thing would not allow me to press submit. I do not want this to affect my credit or be charged over in error. My XXXX a Lakeview Mortgage Company | ||||||
| 12/09/2020 | Yes |
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Web | Older American |
| I am attempting to refinance my mortgage loan with my current mortgage company and have gotten the run around. Second attempt from Lakeview Loan Servicing LLC is my current mortgage company. However, I asked for a quote and have not received unless I committed to signing a log-in format to see a quote. I asked why, stating thats their process, yet I received many other quotes from other refinance companies. I didnt have to sign or release information before getting information. The Lakeview have my information and I am asking about a simple FHA refinance Streamline information thats no appraisal, down payment, no closing fees, or no credit scores. I wanted to compare the transaction workups with Lakeview. Last six months the Lakeview sent me paperwork in the mail for refinance and didnt fully explain there fees and requirements. I dont understand why Lakeview cant provide me with a decent plan to choose from all my options!!! I am not asking for much, only a proposal estimate is All I want!!! | ||||||
| 04/08/2021 | Yes |
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| Due to Covid 19 closures, we had to take a forbearance on our loan. Under the CARES Act, we used the forbearance program to make sure we could get through these hard financial times. I have repeatedly asked to get a loan modification and have followed all of the required items. I submitted the paperwork and all items for the loan modification on XX/XX/2020. I have called every few weeks or more to find out the status of the modification with no success. Every time I call the loan servicer they tell me to wait or they will get a manager involved. It has been over 5 months with no success and now they are sending me collection notices due to non-payment. The program requires no payment until the modification has been put through. I fear that they will try to collect all back payments instead of adding them to the loan. We have a high-interest rate and have asked to modify the loan so as to have a more reasonable payment. Our income has been reduced and we need help to keep our home. | ||||||
| 04/08/2021 | Yes |
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Web | Servicemember |
| I inherited a home from my father and it burned down a year ago. This mortgage company kept charging me for a whole year because they refused to make a claim to the insurance. Finally I was able to get a check to pay off the house after a whole year of payments for a house that didnt exist anymore and now its so hard to get them on the line just to pay them! I sent the check and every time I call they hung up on me several times for several days when all I want is to pay them. They seem to have no communication in between departments, one person says one thing and another says something else. This is the worst mortgage company and they dont care about their customers. I went through financial struggles the whole pandemic year having to pay for this mortgage ( besides my other mortgage and bills ), they told me they will give me the money I paid for that year since after the house burned down ( more than XXXX ) and now they wont honor what they told me. Stay away from this company! | ||||||
| 01/04/2017 | Yes |
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| I refinanced my loan through Lakeview Loan Servicing , Inc. Before I refinanced I had biweekly payments. However, after refinancing and being told that I would be able to continue the same frequency of payments, it was not the case. I asked multiple times if whoever was going to service the loan would continue the bi-weekly payments before closing. XXXX XXXX became the loan servicer for the loan and I had contacted them and they are not aware of bi-weekly payments. Lakeview Loan Servicing , Inc. should have advised me the fact that they were going to service transfer my loan so that I could have taken the opportunity to go with a more traditional bank or lending institution for my refinance. Most banks are able to provide a bi-weekly payment in which it is automatically taken. I believe the Loan Officer should have been more knowledgeable and not have deceived me in refinancing my loan indicating that I would be able to continue bi-weekly payments. The loan officer was XXXX XXXX. | ||||||
| 02/08/2021 | Yes |
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| I have paid off my mortgage in XX/XX/XXXX but the mortgage company has not sent me a mortgage satisfaction letter and record it on the county record. Based on the mortgage agreement I signed, the servicing company is supposed to send it to me within 45 days. It has been two months and Lakeview loan servicing LLC still has not sent the letter. I spoke to a lawyer and they told me that I will not be able to sell my property. I am planning to list my property for sales and can't do so because the mortgage company didn't send the mortgage satisfaction letter I have called Lakeview more than 10 times. They told me that they will record with the county on XX/XX/XXXX and it didn't happen. I called them again. They told me that they have third party working on recording and will finish on XXXX. XXXX and will keep me post it when it is done. Never heard back anything. I called XXXX XXXX because this loan is owned by XXXX XXXX and they told me to contact you. Please assist. Thank you! | ||||||
| 02/26/2020 | Yes |
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| I have had an issue with my mortgage company. I got a notification of a large increase in monthly payments and so I called more than a half dozen times to get an explanation for the increase. I could not get any answer nor even someone to talk to me. At last, after many many tries, I did talk to someone who I asked for a detailed account for the increase. She did not have any specifics but did say that the company policy was to ask for two additional monthly payments. I did not sign any agreement calling for extra payments in advance, although I do realize that my original mortgage company has sold my loan to another company. I need a detailed explanation for the rate increase and I want to say that I should not be subject to the two additional months of advance payments since I never agreed to such a practice.The statement date was XX/XX/2020 and showed that the payments would change from XXXX to XXXX ( and increase of XXXX. The statement also showed an escrow deficit of XXXX. | ||||||
| 03/25/2019 | No |
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| On XX/XX/XXXX, I purchased a new home using Lakeview Loan Servicing company. I made monthly payments of {$1800.00} plus additional principal payments. On XX/XX/XXXX, the day of my third child 's birth, i found i was locked out of managing my account. XXXX downloaded multiple " misapplication reversals '' and an " escrow advance '' transaction. As I can not login to the account I can not see what caused this. I contacted the company via phone and was informed the account was 5 months delinquent and the online account had been locked to prompt me to call in. Representative XXXX informed me that " they '' were actively working on the account and not to worry as the " lack of payment '' error had not effected my credit. She stated the accounts were not properly moved from a " holding '' account to the disbursement account. She did not know when service would be restored so i can re-enter the account and see what is happening. Today is XX/XX/XXXX, six days after i noticed the error. | ||||||
| 01/10/2023 | Yes |
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Web | Older American |
| Our mortgage company ( LakeviewXXXX ) has set us up in a loan modification program. The issue I have is that I received an email from an XXXX XXXX stating we were in default of our mortgage. XXXXtates they are in process of foreclosing on our property. Email has the Lakeview Mortgage logo on it. I called the number listed and XXXX XXXX answered the phone. He proceeded to tell me the same thing the email said. He also told me we were in default on escrow and owed over {$500.00} payable immediately. He asked for my credit card number. I got very nasty with him still thinking this was a valid notification. I looked over the email closely and noticed it was poorly written. I called Lakeview and was informed it was a scam. I asked how this guy got all of this personal information that only Lakeview should have. The girl started double talking and I finally asked her whether Lakeview was concerned about this. She stated they were but all I could is report this scam to you. | ||||||
| 09/03/2019 | Yes |
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Web | Servicemember |
| While attempting to purchase our home it was identified the home is in a flood zone according to FEMA maps. The seller paid a surveyor to verify it was above the flood level, which it was, and apply for a Letter of Map Amendment ( LOMA ), which was approved. We received the LOMA and bought the house through XXXX XXXX in XX/XX/2019. Shortly thereafter it was then taken over by Lakeview Loan Servicing. They notified us in XXXX that the was still in a Flood zone we had 45 days to purchase Flood insurance. We sent the LOMA along with XXXX XXXX 's letter of exemption but they purchased the insurance anyway. I have reached out several times to have it removed but they state they can't and never provide straight answers. They will not return phone calls or emails. I have several requests tickets with no replies over the past couple of months. The now state my new monthly bill will be up {$1900.00} from the original {$1500.00}. I really need help as the bank is of no help at all. | ||||||
| 05/14/2019 | Yes |
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Web | Servicemember |
| We are two months behind in payments, we attempted to make a payment today for a monthly mortgage payment online. We are in the process of asking for mortgage assistance. We were told online processing of payments was not available and to call customer service at the lender. We did that, and were told they could not take our payment over the phone we would have to mail in our payment unless we were willing to make two months of payments at this time, then it could be taken over the phone. I asked to please explain this in writing or provide documentation that explained why they could not take our usual payment over the phone, and was told there was none, and was told again to submit it via mail. We can and will submit our payment via certified mail- but believe this is requested by the servicer to delay the payment past the grace period and show that the payment was again late giving favor to the lender when we are trying to clean this up and move our account current. | ||||||
| 12/13/2019 | Yes |
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Web | Servicemember |
| I pay all of my mortgage payments through my bank 's online bill pay service. All payments have gone through and have been deducted from my bank account. For some reason my mortgage company did not apply my XX/XX/2019 payment to my mortgage. I have spoken with numerous different people at the mortgage company ( XXXX XXXX ) and I have sent them the documents they have requested and they are still refusing to credit my account. I spoke to two different people recently who reviewed the information I sent and they both told me that it was adequate proof of payment and they would get it resolved within 3-5 business days. However, I finally got in touch with a supervisor and she said that they need additional documentation. I have spoken with my bank and they have sent me every proof of payment they can think of and I have forwarded all of it to my mortgage company but they are still refusing to credit my mortgage for my XX/XX/XXXX payment. Can you help please? XXXX XXXX | ||||||
| 09/04/2020 | Yes |
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Web | Servicemember |
| Lakeview Loan Servicing out of XXXX XXXX Florida is the mortgage holder on my home. They have not paid the property taxes to this date. I became aware of this when I began getting delinquent tax notices from the City, School and County. I called Lakeview and sent them copies of these notices in XXXX. Since that time I have received notices from the tax attorneys for each taxing entity and every time I call Lakeview Loan Servicing, they tell me it is under review. I have been put on hold for up to 1 hour on occasion with each person telling me the same thing, it is under review. Finally, I was told a check would be overnighted to the taxing entities on XX/XX/XXXX. After checking with them today, they have received a check. I called again today, XX/XX/2020. and have been on hold for one hour and was told the same thing, its under review. I am not sure what remedy you can do other than hold them accountable for paying the taxing entities as they should. Thanks | ||||||
| 07/29/2021 | Yes |
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Web | |
| I took out a mortgage in XX/XX/XXXX. I took out a loan from Lakeview ( subserviced by XXXX ). I have downloaded the app for my phone and also attempted to pay online. I have not been able to submit a payment online on the website or the smart phone application. I have had to call in each month to make my payment. I am able to log on via the website. It shows my loan details but whenever I attempt to make a payment, I get an error and it doesn't allow me to set up payments. So this leaves me with my two least favorite payment options. Call in or mail in a payment. This would be the expected methods of payments if it was XXXX and not XXXX. I should have the ability to make payments in any method I choose. I understand that technology sometimes has issues. There is no reason in my mind as to why I have to mail a paper check or call in to make a payment. This company needs to fix their application and website to allow customers flexibility in making payments. | ||||||
| 10/10/2023 | Yes |
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Web | Older American |
| The loan was initially secured through XXXXXXXX XXXX and we paid that company without a problem. The loan was then transferred to XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX. This current month 's Statement was created on XX/XX/23, according to the bill and the Payment Due Date was literally one day later on XX/XX/23. There contained a statement that if the bill was not paid by XX/XX/23 a late fee would be charged. Loan Number XXXX is always going to be pad in a timely manner. It makes me suspicious when I receive a bill a week after the payment is due. I pay my bills on time and believe that there must be a problem with a company that issues a bill for payment one day before payment is due. Mortgage payments that are late impact credit scores and ours is very high. I want them to stay that way. Should there be a requirement that statements be issued a reasonable amount of time before a bill is due, certainly more than just one day. | ||||||
| 02/10/2022 | Yes |
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Web | |
| I have XXXX as my mortgage servicing company. I was on the forbearance program due to unemployment/COVID 19. When my forbearance ended I was sent a loan modification packet, which I accepted, signed and notarized. Delivered to them on XX/XX/XXXX with XXXX tracking. They had apparently sent out another modification package to my address due to what they are claiming, unclear dates on the original docs.I never received the other modification package and was never notified by phone or by regular mail that there was an issue until today, XX/XX/XXXX when I was calling in to make my payment and wondering what was going on with the modification. I have been paying my mortgage as agreed with the new modification terms and conditions but XXXX has decided that they do not want to honor the original modification package anymore and want me to start the process all over again under new terms and conditions. I am looking to get any help I can but don't know where to turn. | ||||||
| 06/26/2019 | Yes |
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Web | Servicemember |
| Since XX/XX/XXXX weve been having problems with our mortgage company saying that we are a month behind on our payments, Ive been making double payments every month and according to my credit report there saying that I havent been making any payments.When I went on the website because I dont receive any monthly statements I noticed a lot of our payments have been going to escrow but it doesnt brake it down as to what and back in XX/XX/XXXX when our mortgage company changed from XXXX to Lake view we never received anything in the mail about the change until a bill came stating that our payment was late.Whenever we call to speak with someone were on hold for hours and a couple of times when Ive called to make a payment they tell me that unless I make a double payment I cant make a payment they wont except it.We are trying to refinance through another company right now and because of the credit report bringing me score down Im not able to get out from under them. | ||||||
| 06/15/2018 | Yes |
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Web | Older American |
| My original mortgage company, XXXX XXXX, transferred my FHA loan to Lakeview Loan Servicing several months ago. I send my check mid-month ( before the due date on the XXXX ). I don't get the statement from them until the middle of the next month. This month, my bank statement showed my check ( sent XX/XX/XXXX for {$1200.00} ) did not clear. I called the mortgage company. They couldn't find my check. I canceled the first check and sent a replacement check on XX/XX/XXXX for the same amount. It has been 9 days ( all checks cleared in under 8 days before ). What am I supposed to do if this company is so incompetent that they can't process my checks properly? I've called, I've emailed and got the response that they are looking into this ... .I have excellent credit and will not have my rating damaged by them. How can I get them to process my payment on time and send my statement in a timely manner? Thank you. checks sent to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, | ||||||
| 06/02/2023 | Yes |
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Web | |
| XXXX XXXX/ Lakeview should not be allowed to service loans, they dont seem to have the capabilities to do so. Primarily, they continue failing to process payments from my bank account. When I schedule payments they mark in XXXX as " posted '' do not draft from my account. I have confirmed routing and account number ; a XXXX rep was able to manually pull the payment in the past, yet scheduled payments dont work and they had to cancel my recurring payment to do so. This all now has resulted in a {$20.00} late payment fee to XXXX. I am now unable to find any support contact information on their website. They have also failed to contact me via phone or email on the matter, I just have to keep checking and have received letters a week or more after the fact. I have had no problems with XXXX, my previous loan servicer. As a result of XXXX 's terrible systems and support I'm now paying additional fees, wasting huge amounts of time and possibly damaging my credit. | ||||||
| 02/06/2020 | Yes |
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Web | |
| I accessed my account online on XX/XX/2020 and noticed that there was a distribution for {$91.00} from my escrow account with the description of " LienTaxDisb XXXX. '' I called to inquire what this distribution was for. I spoke with XXXX who informed me the distribution was for the fees and penalties that were owed on my late tax payment. I informed her that I had been told Lakeview would be responsible for those fees because it was their error which caused the late payment. She informed me that the amount is due from the previous lender so they took it out of my escrow to make the payment while they attempt to obtain the amount from the previous lender. She informed me it could take up to 60 days and my escrow account would be credited when they received the payment from the previous lender. This payment should be at the expense of the company, who should be responsible for making the payment it should not come out of my account to later be credited back. | ||||||
| 12/01/2023 | Yes |
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Web | |
| I have a mortgage with Lakeview Loancare. They had a data breach on or around XX/XX/23. No transparency was provided, and yesterday ( XX/XX/23 ), I receive an email stating, " We're Back Online '' in the subject line. In the body of the email, there was no admission of what happened. Come to find out, they were impacted by XXXX XXXX XXXX systems being hacked for ransomware. They were " offline '' for several days and I had no idea! Lakeview stated in their emails customers now need to re-enter their bank account information ( which still doesn't work ) on their *new* portal. I don't feel comfortable trusting this company with any information ever again. This is insane when you think that they have my SSN, DoB, Address, BANK ACCOUNT Information, etc. This company needs to get heavily fined and a class action suit should be filed against them. I am so upset over this, and worried about having to continue to do business with such a poor, unethical company. | ||||||
| 09/11/2018 | Yes |
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Web | |
| I have been trying to remove my mortgage insurance with my Loan Servicer. I have a conventional loan and have had this loan for over 2 years. My value has increased greatly and my equity has increase to a point that i could request to petition this MI with a new appraisal to show my current value. I started this process in XX/XX/2018 and they have not replied back to me by letter or phone. I called the company on XX/XX/2018 and spoke to a customer service person and then a supervisor. I was told that they would have an appraiser contact my within a week and help me take care of this. As of today the XX/XX/2018 i have not had an appraiser call me. The company has called me and when i call back they tell me this is still pending. I can not get a straight answer from them and i feel like they are taking advantage of me. My father is a real estate appraiser and my mother is a loan officer and they know the rules regarding the removal of mortgage insurance. | ||||||
| 02/07/2022 | Yes |
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Web | |
| My name is XXXX XXXX. My mortgage servicing was transferred to LakeView Loan Servicing effective XXXX. My experience with LakeView has been a complete disaster as they continue to claim that I have not made payments, which I have proof of payment in my bank statements and pay by phone payment records. Lakeview continues to claim that I am past due in payments, when in fact I have made multiple payments, multiple times to clear up their accounting errors. They have erroneously reported past due and late payments on my payment record. They are currently, right now, holding onto payments that they refuse to correctly apply to the account. Their customer service, or lack there of, is reprehensible. If I could have ANY influence on firing them, they would have been gone long ago. Their business practices are substandard. I want help resolving my payment issues with them as I continue to make every effort to take my business elsewhere. Sincerely, XXXX XXXX | ||||||
| 05/22/2019 | Yes |
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Web | |
| Our loan got sold to this company in XX/XX/XXXX/XX/XX/XXXX when we refinanced. It went to XXXX XXXX and then they sold it to Lakeview Loan Servicing. We got our first statement/bill in the mail from Lakeview Loan Servicing and sent it out on XX/XX/XXXX. ( It was due on XX/XX/XXXX XXXX. The payment goes to a PO Box in XXXX Pennsylvania. Were coming up on five weeks later and they still havent cashed our check. We have called customer service numerous times and explained what is going on and they have told us that everything will take a while to transfer. They have no communication with the place that receives the check payments. They dont know where our check is. They havent sent us another statement for XX/XX/XXXX yet. They keep telling us that we should keep waiting, but were very concerned with this company and theyre professionalism. We dont want to get behind on our payments but we also dont want to be slapped with double payments all of a sudden. | ||||||
| 12/01/2023 | Yes |
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Web | |
| XXXX, a subsidiary of Lakeview Loan Servicing, is servicing my mortgage and they offer what appears to be a customer support hotline at the number of XXXX. This number goes directly to an automated line, with the option to speak with a representative as needed. I called today ( XX/XX/2023 ) several times, at approximately XXXX XXXX CT, and XXXX CT, and as listed on their website-- https : //lakeviewloanservicingXXXX, their center is supposed to be staffed between XXXX XXXX - XXXX XXXX ET M-F. However there is no ability to actually contact an individual, as both the path to speak to a representative to make a payment and reach out directly for assistance go to an automated response that " Our agents are unable to assist you '' with an automated disconnect of the call. I am having trouble interacting with their website and need human confirmation on whether a payment went through, so not being able to contact them is causing stress and frustration. | ||||||
| 03/29/2021 | Yes |
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Web | Servicemember |
| The company holds my payments after they receive it they take days/weeks to cash the check and apply it to my account. ( this happens every month ) The company charges fees with no explanation. The company claims that I have missed payments and that I am late however I have the documentation to prove that I have made all my payments. When I call the company and ask questions about payments and fees I do not get straight answer When I call the company, I am put on hold for long lengths of time and then I get transferred you to another agent. This has happened every time I have called. I do not have all the dates and times that I have corresponded with the company but it has been many times over the past few years after my loan was transferred to them. They post that my payments have been late since day one, Would like to know how they came up with that calculation. They send letters to my house stating I owe money and they can possibly foreclose. | ||||||
| 02/03/2020 | Yes |
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Web | Servicemember |
| Our Lakeview Loan Servicing LLC have failed to pay our XX/XX/XXXX W Taxes from escrow account. I have made several attempts to contact them to resolve this matter with absolutely NO response. I have been calling and have requested management and/or supervisor assistance to no avail! Not even a call back or reply to an email or post on social media. I have been placed on hold over days and weeks for hours and no representatives pick up. We have received a notice from our City about the delinquency and tried to resolve with our services with not so much as a concern. We pay our loan on time and they should be held responsible for not paying our taxes on time. We need help to get someone to rectify this issue immediately as this company does not and can not provide sevice to their customers. We did not get to chose this service provider, as our VA loan was sold to them. This company should be shut down for operating insuch an irresponsible capacity!! | ||||||
| 08/08/2023 | Yes |
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Web | |
| I originally purchased my home mortgage through XXXX XXXX. A few months ago, they sold my mortgage to Lakeview Loan Servicing LLC. Well when they transferred the loan, they completely messed up the transferring of funds. For one example, I had made a separate payment of {$10000.00} strictly towards my principle while my mortgage was with XXXX XXXX. Now that Lakeview Loan Servicing LLC has it, at first they completely neglected that payment altogether. I contacted them probably 15 times trying to get this straightened out. Now they took that {$10000.00} and applied it towards the monthly payments which is not the same at all. Doing that virtually turned my {$10000.00} into {$1500.00}. I have tried calling, emailing, and every other form of communication with them but they are either completely incompetent or they know exactly what they are doing and are stealing money from me. I would be so grateful for help in this matter. Thank you, XXXX XXXX | ||||||
| 07/30/2021 | Yes |
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Web | Older American, Servicemember |
| I have a mortgage with XXXX Lakeview Loan servicing LLC., I recently again had my payments raised and can not contact them. I have called and emailed them and have not had any results. Lakeview sent a letter stating that my escrow was short again due to the following reasons and why my escrow increased my mortgage payment. # 1. The projected amount at closing increases or decreases Closing was 5 Five years ago! # 2. Property taxes increase or decrease. I have a letter from my county stating my property increased in value but my taxes remained the same! # 3. Homeowners insurance increase or decrease. I spoke to my insurance agent and my insurance has not changed at all. # 4. Change insurance company I have not changed insurance company I have the same insurance company. # 5. We pay delinquent taxes on your behalf., I have not been delinquent on any taxes. So none of these reasons apply and I can not get any response from Lakeview Loan servicing LLC. | ||||||
| 04/01/2022 | Yes |
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Web | |
| Hi I called loan care who services my loan which transferred me to lake view who has my mortgage. They gave me the runaround but finally sent me to someone who was supposed to help answer questions regarding refinancing. This man was really agitated and said it didnt matter what questions I had because I would not be able to qualify because I am on forbearance. I let him know, I know but I was asking for the future once I was making my payment, so I can remove privarte mortgage insurance in the future. He said I should worry about making my payments and would not answer any questions regarding refinancing. I told him I needed this information to make an educated decision on wether I was going to do a partial claim or modification when my forbearance ended and he said to just pay my mortgage on time, or I wont qualify for anything. This call was done XX/XX/XXXX XXXX Ca time and the entirety of the call including being transferred was XXXX minutes. | ||||||
| 10/18/2018 | Yes |
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Web | Servicemember |
| My VA mortgage was recently sold to another finance company called Lakeview Loan Servicing LLC in XXXX XXXX, VA. They have added a processing fee to the loan which said if you pay between the XXXX and the XXXX there is no fee from the XXXX to the XXXX there is a {$5.00} fee and from the XXXX to the XXXX there will be a {$10.00} fee and after the XXXX there is a late fee. I have never been late on a payment but like most retired people I do not get my pension check until around the XXXX or XXXX of the month and social security checks come on the XXXX Wednesday of the month which means every month I will have to pay at least a {$5.00} fee which will add {$1800.00} to {$3600.00} on a 30 year loan and if they are servicing say 1000 loans that is between {$5000.00} and {$10000.00} extra every month. It seems unfair to me and where is all that money going? I have also reported this to friends that I know in different mortgage companies and to the VA. | ||||||
| 05/12/2021 | Yes |
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Web | Older American, Servicemember |
| The company has been holding on to the surplus amount of the annual escrow. The statement account they sent dated XX/XX/2021, stated that they would mail the surplus amount under separate cover within twenty business days. When I did not receive it after the stated 20 days I called them in XX/XX/XXXX and they told me that the surplus amount would be sent on Monday XX/XX/XXXX. I called XX/XX/XXXX to ascertain that they had mailed the check, I was told that the check was mailed on XX/XX/XXXX and that I should receive it by the end of that week. On XX/XX/XXXX, I called the company to reverify on the mailing of the check and asked to talk to a supervisor. The supervisor told me that the check went out Saturday XX/XX/XXXX. When I asked why they told me the previous week that the surplus check had been mailed on XX/XX/XXXX, she could not provide an answer. I think that the mortgage company has been trying to not issue a check for the surplus amount. | ||||||
| 12/08/2021 | Yes |
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Web | |
| In XXXX I submitted an application for financial relief assistance. It has been my experience my loan servicer has not been able to properly assist with. I have called customer service fir information and representatives have not been able to explain my options properly. I received notice I would get a call. When I asked customer service they advised it would be a letter. Another call I attempted speaking with the person assigned to review my app but was told the name and extension is just generic info listed on my notice 'no one is really assigned ' is what I was told. That same rep advised that per notes on account I didnt qualify for any assistance because loan was still new and my circumstance was not covid related. My circumstance is due to change in my income. Im currently out on short term leave due to having a baby and I am the only income due to loss of job of my partner. I need help and I have not been properly addressed or assisted. | ||||||
| 04/13/2017 | Yes |
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Web | |
| This complaint is in reference to my mortgage service provider, XXXX, i.e. Lakeview Loan Servicing, LLC. I have tried seven times via phone and email to speak with someone about getting my mortgage insurance removed or to initiate the process of reappraising the property 's market value. I have tracking numbers and documentation of who I spoke with in all instances. This process has now taken over four months from initial contact and I still have not heard anything back from them. This process, which I am initiating, is costing me a lot of time and money. They are either inept or are fraudulently not complying with my requests to instate the process of removing the PMI. The Homeowners Protection Act of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. This untimely response seems to violate my rights under the 'Non-High-Risk Residential Mortgage Transactions ' section of the act. | ||||||
| 01/14/2021 | Yes |
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Web | |
| The taxes on my property were not paid by the mortgage company for several quarters beginning in XX/XX/ 2020, as a result, my account became delinquent and penalties were added. I contact the mortgage company Lakeview Loan Servicing, and spoke to Ms. XXXX and was directed to email her at XXXX. Afterwards I was directed to contact XXXX and start a complaint process. Over the course of the next 8 months I contacted thirdparty on numerous occasions and never heard back. In XX/XX/2020 I refinanced the property, at which time I explained the issue to my closing attorney. He sent out a certified letter requesting a response from the company, at which time they did not respond to his request. I pay my mortgage on time every time, and have never been past due. I don't understand why my taxes weren't paid and allowed them to be delinquent. In addition, their lack of professionalism has left me with no other choice but to file a formal complaint. | ||||||
| 03/10/2023 | Yes |
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Web | Servicemember |
| In XX/XX/2022 we did not adjust our payment to reflect the new escrow amount. I was setup on autopay through XXXX. I caught it in XXXX and called Lakeview Loan ServicingXXXX XXXX They stated that we missed the payment completely and gave me an email address to send my concerns to. I did that and they said that the payment was put into suspense and I owed {$230.00} to get it current and they would release the suspense payment. I made that payment on XX/XX/XXXX. They still say I am one month behind, but I am not. I think I still owe them {$500.00}. I have had repeated conversations with them and lots of email correspondence. I have provided all my bank statements showing that I paid every month all the way back to XX/XX/2022. Our credit is getting hit negatively every month due to this issue and I can't seem to get someone to help me. My credit score has gone down XXXX points to to their inability to resolve this issue. Please help me! | ||||||
| 04/09/2020 | Yes |
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Web | Servicemember |
| Ive been trying to figure out my escrow account with my mortgage compnay an i called them today XX/XX/2020. I was informed that its empty, actually XXXX negative. An that they would get back with answers on XXXX of XX/XX/2020. I went through this with them before an cfpb had to get involved. This is why i am not waiting till the XXXX of thia month. I paid XXXX all of last year for a total. XXXX. Plus ive paid four months at XXXX of this year for total of XXXX. I pay XXXX a year tax, XXXX home insurance and XXXX flood. I spoke to my mortgage company around XXXX first about switching my flood bc they hadn't recieved the information where i switched to the cheaper XXXX a year from the more expensive XXXX a year. I asked them if id get it back, the difference and they said yes. An when i called today on XX/XX/2020 they said it was negative XXXX and they would look into it. I know what i pay in and what payments go out. Can not be empty. | ||||||
| 08/22/2022 | Yes |
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Web | Older American |
| Last year in XXXX I submitted and was approved for a school tax exemption for this tax year to be paid in XX/XX/2022. This exemption accounts for roughly 67 % of my total taxes. I promptly sent the approval notification from the County Tax Commissioner to the company servicing my loan. In XXXX, several months after receiving the exemption, the company completed an escrow analysis and failed to reflect the exemption. The result indicated a shortage instead of what was, in fact, a surplus. I called the company and they said that they could not recognize the exemption without and actual tax bill despite the fact that escrow projections are frequently done without actual tax bills for loans on new construction. Actual tax bills were issued last week so I called the company and was told now that the bill must be paid before they can consider it for escrow. The story changes every time I speak to them, and this runaround needs to stop. | ||||||
| 04/16/2019 | Yes |
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Web | Older American, Servicemember |
| I did a refinance in XXXX of XXXX, to get a better rate and lower payment of {$970.00}. I got both up until they messed up on the escrow account, and in XXXX of XXXX they went up on the payment by {$92.00} per payment. Now the main complaint. In XXXX of XXXX they disbursed a payment to another customers account for insurance to the amount of {$1200.00}. It again threw my escrow account into a tail spin, so they have now increased my payment again by another {$150.00} per payment. I have called them repeatedly and they say they see the issue and are trying to get it worked out. Just to mention that it takes over an hour on hold each time I try to get an update. I held the line for over two hours on Monday XX/XX/XXXX and finally gave up, which brings me to you. In the mean time, I have a payment due in this larger amount and am waiting to pay until they get this straight. I have never been late and need to get this resolved. HELP. | ||||||
| 10/04/2023 | Yes |
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Web | |
| My loan was transferred on XX/XX/, but before i was notified I made one last payment to my previous mortgage servicer, my mortgage was never applied to the new loan company, I was getting billed for the month I just payed. I contacted both companys, have spent over two months trying to get this payment applied, the previous company cardinal financial was extremely helpful, provided me with proof that my payment was transferred with the loan. Showed my in my online account the payment went into a suspense account and told me to send this info to the new company which I did. XXXX XXXXXXXX XXXX XXXX has refused to show me or cardinal financial proof they do not have my payment. They have said the proof we sent over of it being in a suspense account is not enough all while refusing to show us they did not receive my payment. They are requesting bank statements and making me jump through hoops instead of helping resolve this issue. | ||||||
| 10/01/2019 | Yes |
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Web | |
| Until my bankruptcy in XXXX ( discharged in XX/XX/XXXX ), Lakeview ( XXXX ) reported my mortgage to all 3 major Credit Bureaus. I was told by their customer service, that they would stop reporting during the bankruptcy and start reporting again, when the bankruptcy is discharged. I exempted the mortgage from the bankruptcy, even if XXXX showed absolutely no interest in reaffirming the mortgage. However, the bankruptcy is now discharged for over 8 month and Lakeview ( XXXX ) is still not reporting to the Credit Bureaus. I called there several times and wrote numerous emails and letters, but did not receive any answers. Their customer service is almost impossible to reach, and if I get through to them, they have absolutely no knowledge about my mortgage and are completely unable to provide any advise or help with this issue. Needless to say, with them not reporting my ( always on time ) payments, my credit score suffers a lot. | ||||||
| 10/09/2017 | Yes |
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Web | |
| This is my 3rd complaint on this company their are continuously going on up on my mortgage without reason. Last statement I received stated that I had a overage of {$38.00} with to me means {$38.00} too much. I also called them and tried to find out about my payments going up over the overage but, I keep getting the run around. I was not given the chance to pay the {$38.00} so that it wont be added into my mortgage. By law I should have been given that option. I have called 3 times in XXXX alone. No one has returned the calls I left with their account specialist. They keep putting me on hold and hanging up or just going to different voicemails. For some reason they keep doing escrow analysis on my account and going up on my mortgage. I have had 2 done in less than 6 months. I feel like their just trying to find a reason to go up on my mortgage. That law states that escrow analysis are done annually. Which is once a year. | ||||||
| 01/07/2020 | Yes |
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Web | |
| On two separate occasions, roughly a year apart, I have sent a request to my servicer, Lakeview Loan Servicing LLC, to have my PMI reviewed and waived with no response from the servicer. The first instance, around XXXX of XXXX, it took at least several weeks to receive a response to my written request, and this was only after I called the servicer to inquire about the delay. The servicer 's reference number for this instance is XXXX. The second time, beginning in early XX/XX/XXXX, I again followed the servicer 's instructions for PMI inquiries to no avail thus far. It has been over a month without any acknowledgment, save for the reference number. The servicer 's reference number for this instance is XXXX. The 80 % LTV estimate date the servicer is using is painfully conservative. I have argued this clearly and would like to know what my options are for having PMI removed at this point since I am well past 80 % LTV. | ||||||
| 01/13/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2020 I received a XXXX XXXX letter from XXXX XXXX, Senior Vice President, Lakeview Loan Servicing LLC to refinance my current VA mortgage via the VA XXXX XXXX XXXX XXXX XXXX ( XXXX ) program. The offer promised ; ( 1 ) 2.508 % APR, ( 2 ) new loan amount of {$230000.00}, ( 3 ) savings of {$160.00} per month and ( 4 ) no out of pocket cash The offer was good until XX/XX/XXXX at XXXX EST. I called on XX/XX/XXXX and spoke with a loan officer. After setting up an account, multiple phone calls, hours waiting for call backs and several hours providing documentation I was told I could refinance at ; ( 1 ) 2.75 % APR, ( 2 ) new loan amount of {$230000.00}, ( 3 ) savings of only {$50.00} per month and ( 4 ) I would have to bring {$2700.00} to closing Lakeview Loan Servicing LLC has false advertised. I refused to refinance with this company. They were unable to meet any of the four promises they made in the letter. | ||||||
| 06/20/2022 | Yes |
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| My family had a change in how our XXXX handled homeowners insurance. We secured our own coverage and notified XXXX XXXX XXXX XXXXXXXX of the change well before the change date. Over the last 90 days or so our Escrow has been debited to cover dwelling insurance post dated, our payments have been altered and we have received no assistance in trying to clean up the issue. Our family has submitted, on multiple occasions, all the requested documents that indicate we are, and always have had, the correct property insurance. I have tried to contact the servicing company multiple times and today was on hold for XXXX minutes before I hung up due to work starting. This servicing company has done XXXX to assist us, has sent us threatening letters and on the same day sent letters saying we are in compliance only to send a third letter saying please submit the same proof of coverage that was submitted only days before. | ||||||
| 09/10/2019 | Yes |
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| Contacted company when I lost my Job XX/XX/2019. We had just got the house in XX/XX/2019. I told them I lost my job, wife needs 2 XXXX XXXX, I need to help her and take the 6 month deferment they offer on their Loss Mitigation. They seemed to say they cared and wou ; ld be there if we everr needed them. one letter back saying needed more pay stubs ( 2 years ). I gave them all the stubs I had back 1 year. Can not access pay stubs anymore. I offered to send W2 which I thought they had already. I feel they are just stalling and letting me make payments. I am paying them out of my saving sof {$7.00}, k. but that is for my wife 's XXXX, which I also told them. I feel railroaded into even buying this house. We had a 60 day notice and a XXXX XXXX. Could not find a rental so we bought this house. {$2000.00} payments are killing me! XXXX XXXX XXXX XXXX XXXX is my user name on XXXX 's site. please help | ||||||
| 07/18/2019 | Yes |
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| Have two loans where Lakeview Loan Servicer is the servicer. They have lost a {$4500.00} check for which I have the cancelled check. Secondly, on another check, they have applied the full {$4500.00} check to one loan as a principal reduction. As such, they show me as up to 60 days delinquent for now 3 months. I have waited for hours to talk to service people and they can see the problem and say they will address. I have sent them copies of all cancelled checks and have heard nothing. I have called again today ( from work ) and have left a number for them to call me, and two hours later, I have not heard from them. They have significantly impacted my credit score to the point where I can not obtain refinancing. I am writing letters to their head office but can't find anybody to address it to. I can only say that this is a fraud. I strongly suggest that nobody should accept Lakeview as their loan servicer. | ||||||
| 10/01/2021 | Yes |
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| I am the holder of XXXX XXXX seeking your assistance in resolving a Mortgage payment error that XXXX has refused, ignored or neglected to correct. As of XX/XX/2021, XXXX indicates that I am one-month ( {$2300.00} ) behind and that I have not paid the XXXX payment ( see attached Lakeview Loan Servicing , LLC Dashboard ). My records indicate that I have never missed a payment ( see attached Payment History as of XX/XX/2021 ). I have contacted XXXX multiple times over the past 6 months over the phone and in writing. XXXX representatives, including supervisors, have routinely given me empty promises that they will correct the error. I have also not received any call or written confirmation from XXXX about a final resolution to my complaint despite these efforts. Please see a notice under 12 CFR dated XXXX XX/XX/2021 and the final notice dated XX/XX/2021 that I sent to XXXX to which they have not responded. | ||||||
| 03/29/2021 | Yes |
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Web | Servicemember |
| I am being overcharged in my escrow account for almost 5 months now. I have tried about 100 times ( no exaggeration ) to get in touch with the customer service, the loan department, anyone at all, and I can never get through to speak to a live person. Their phone systems simply bring you into a never-ending automated loop, not allowing you to ever speak to a human being. I have sent in requests for calls back and assistance and have only received automated email responsed. I am fearful that I can not go on much longer paying the extra money ( that I shouldn't have to ) and will end up missing payments and possibly going into foreclosure. My statements show my escrow payout going up nearly {$200.00} in XXXX, which is impossible. I need help please, I am a United States XXXX XXXX Veteran and a first-time home buyer. I am at a complete loss here in how to handle this. Please help me. XXXX XXXX | ||||||
| 11/25/2020 | Yes |
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| My mortgage company has my home listed as having {$120000.00} value. I have paid my loan down below the {$93000.00} or 78 % of my loan to value. I have paid it down to {$91000.00}. I have requested explanation multiple times and am consistently told that I havent paid it down below the 78 % mark. I have asked for an a plantation of how they are calculating that and have today been told that instead of using the value of the house they are using the original purchase prize of the house. I am a savvy shopper and purchased a home for less than market value. I am now being penalized for being a savvy shopper as they refuse to remove the PMI because they are not using the loan to the value of the house that they have on their records but instead the price I was able to purchase it for. Which is not even the same as the amount I borrowed as I payed it down some so that I would borrow less in the beginning. | ||||||
| 08/08/2022 | Yes |
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| I have been trying for over a year to get my mortgage ins taken off as well as stop using their mismanaged escrow. My escrow payment is twice as much as my mortgage. I want to discontinue the escrow and mortgage insurance. I am WELL below the 80 % threshold. The customer service line is always " experiencing high call volume '' so you can never speak to a human ( was on hold well over 2 hrs last attempt ) and I have sent 7 online inquiries trying to get this resolved. The most recent attempt was XX/XX/22. I also have an issue of them reporting late payments while is was under a forbearance. I tried to get out of my forbearance for 10 months! I understand covid had an effect but you didnt have to mark me past due when i tried to get out of the forbearance. I had to apply for a mortgage modification 4 times before it was finally accepted but they continued to mark me as past due on my credit bureaus. | ||||||
| 09/09/2019 | Yes |
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| Lakeview Loan Servicing LLC is my mortgage provider and has repeatedly billed me for their own hazard insurance policy even though I have provided proof to them, in writing and online of carrying my own hazard insurance policy through XXXX XXXX XXXX. This same practice occurred last year. I have requested to be refunded for the insurance billed to me through Lakeview Loan Servicing LLC for the months of XXXX, XXXX, XXXX, and XXXX but have gotten nowhere. They continue to bill me each month. XX/XX/2019 - I received a letter from XXXX XXXX stating that I needed to update my hazard insurance to avoid having a policy assigned to me. I did so and uploaded proof to their website. I also mailed them hard copies of my policy. XX/XX/2019 - I have a letter from XXXX XXXX stating that insurance ordered has been cancelled. Yet, they continued to bill me for their own insurance XXXX, XXXX, and XX/XX/2019. | ||||||
| 02/25/2022 | Yes |
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| Received documents from XXXX XXXX Lakeview loan Servicing regarding my mortgage. My current mortgage servicer is XXXX XXXX upon receiving these documents I called XXXX XXXX. Spoke with XXXX ID # KDO Loss Mitigation, the Covid-19 modification was approved XXXX XXXX, 2022. XXXX XXXX is processing the modification documents to be mailed to me she said the documents would state the modification terms. I have also read that when you receive documents for the same mortgage loan from to different servicers its dual tracking and that is a mortgage violation. I have not received foreclosure documents XXXX rate the debt documents. XXXX was my servicer for several years they approved the loan for several trial modification of which I paid the trial payments. Upon the XXXX payment being made they would cancel my modifications. Finally, after several complaints my servicer changed to XXXX XXXX LN # XXXX. | ||||||
| 03/30/2021 | Yes |
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| I have called every month since XXXX to get my escrow account properly analyzed. I have been hung up on, yelled at, lied to, and more. They have the information I have submitted a tax bill, I have sumbitted emails from the city, I have submitted information at every request. They as anyone can go onto XXXX website and see what my tax due is. In fact Lakeview has paid it for the 1st half already this year and I went ahead and paid the second half myself. They still continue to charge me near {$600.00} a month for my taxes in my escrow account when currently {$0.00} are owed for the rest of the year. This company refuses to accurately and fairly adjust my escrow account and in doing so are holding my money illegally as they are only allowed to collect an extra 10 % to fund an escrow account. I wish that they could be charged punitively for their continued disregard and negligence of my situation. | ||||||
| 10/13/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2022, the XXXX XXXX Virginia tax assessor 's office granted me a 100 % property tax exemption of the base of my status as a VA rated 100 % permanent XXXX veteran. Since XX/XX/2022, I have repeatedly engaged my mortgage company to stop billing me more than {$280.00} per month in property taxes the county is not billing them. As of today, I have engaged both on the phone and in writing, to include sending the tax bills showing XXXX billable no less than six times every couple of months -- to no avail. When I stopped sending the tax portion with my monthly mortgage payment, they sent me a collection notice and a late payment fee each month. I just spent an hour on the phone with multiple representatives, each of whom claim they can not help me because their taxation is handled by a third party. The third party has no public phone contact information and has not returned any of my emails. | ||||||
| 01/18/2023 | Yes |
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| Lakeview Loan Servicing ( LLS ) contends that Defendant is XXXX months past due ; however, Defendant was current on the mortgage until the XXXX pandemic in XX/XX/2020. Moreover, the escrow shows a delinquency listed at {$7800.00} past due ( the equivalent of 14.4 months past due ). This discrepancy indicates XXXX has falsified its accounting and there is no basis for foreclosure until a proper accounting is provided. Defendant was never served with notice for mediation. XXXX. The purpose of this legislation is to avoid unnecessary foreclosures of residential properties and thereby provide stability to Indiana 's statewide and local economies. Moreover, the mortgage at issue is an FHA loan. Per the CARES ACT, LLS should make a partial claim made via FHA to bring the account current or the past due amount should be recapitalized to the back end of the loan per the Covid 19 Recovery Modification. | ||||||
| 06/21/2022 | Yes |
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Web | Servicemember |
| I refinanced my mortgage in XX/XX/2021 with 20 % equity in the loan and did not want to escrow my insurance and taxes as indicated in my loan documents and permitted under the law given the amount of equity I have. Lakeview Loan Servicing set up escrow, and I requested a few months ago to cancel the escrow after Lakeview increased the escrow payment by XXXX per month to establish an additional reserve amount in the account. Lakeview communicated that the loan requires escrow for five years. I requested that they provide proof that the loan documents contractually require me to escrow. After numerous phone calls to the escrow department, including three transfers to the escalation department, Lakeview has not been able to locate a contract document that requires me to escrow, yet continues to refuse to cancel the escrow. The escrow payments are causing me damages of over {$1000.00} per month. | ||||||
| 10/12/2023 | Yes |
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| Lakeview Loan Servicing is again incorrectly inflating the amount of property taxes we owe. On XX/XX/XXXX I contacted XXXX and spoke with a woman named XXXX who asserted that they had received an official notice from XXXX XXXX stating that the amount of property taxes for XXXX was going to be due in the amount of {$4400.00}. However, I spoke with the XXXX XXXX tax office on XX/XX/XXXX and was informed that those notices have not even been generated yet and likely will not be until mid XXXX. I also checked the XXXX XXXX tax website and entered my parcel number to confirm this. This information has not been released yet but the amount due should not be far off from what was paid last year, which was a little over {$2500.00}. This means that XXXX is inflating my tax bill by over 56 % and as a result, they have increased my mortgage payment by over {$220.00}. What they are doing is fraudulent. | ||||||
| 01/27/2022 | Yes |
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| I received an email from Lakeview XXXX on XX/XX/XXXX for disbursement of property and water tax in the amount of {$2800.00}. I communicated to them through email and phone XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( phone call ), and XX/XX/XXXX in regards to the payment made and that the amount due was supposed to equal to {$5600.00} and they only made half the payment. I communicated to them several times that due to 50/50 homestead due to XXXX owners on same mortgage loan they would have to make payments for XXXX separate accounts and even submitted invoices for both accounts to show proof that this was the case. The county and water company have both myself and the other owner separate accounts as this is how they advised me to apply for homestead, but the mortgage company has failed to update me or make the other payments, causing the account to go delinquent and owe more on taxes now. | ||||||
| 12/29/2021 | Yes |
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| Lakeview Loan Care has put a 30 day delinquency on my impeccable credit report because of their mistake and the previous loan companys ( XXXXXXXX XXXX ) mistake. The loan was scheduled to transfer on XX/XX/XXXX from XXXX to Lakeview however the loan did not transfer as anticipated. The delay in the transfer of the mortgage was caused due to a disconnect within the internal process at XXXX. On XX/XX/XXXX, XXXX automatically drafted {$560.00} first before Lakeview could draft the mortgage payment. The loan servicing transfer was not completed until XX/XX/XXXX and a bulk check was issued to Lakeview which included my XXXX payment. Lakeview is putting a delinquency on my credit for a late payment for XXXX and XXXX, when in reality the loan wasnt even transferred until XX/XX/XXXX. That means that I was still protected under RESPA and Lakeview has no right to put a delinquency on my account. | ||||||
| 01/28/2021 | Yes |
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Web | Older American, Servicemember |
| We closed escrow on XXXX and the Loan with Lakeview XXXX was paid in full. I contacted them on XXXX ( I was able to get through ) regarding the payment they drafted on XXXX ( which was now and overpayment ). They assured me I'd get my payoff notice, reconveyence and my overpayment within 2 wks. We got the reconveyence but no . When trying to call they do not have a LIVE person options stating busier than ever and you immediately get routed to their Automated System which only tells me my loan is paid in FULL! My issue is 1. They do NOT have any option currently to get through to a LIVE person and 2. It's well over 2 wks and still NO . If only they would answer the phone we might could resolve this because then they could tell me that my ck was in the mail, etc. Their letter says refunds/overpayments sent 10 business days after close. The letter indicates XXXX today is XXXX and NO $ | ||||||
| 05/26/2021 | Yes |
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| Back in early XXXX XXXX XXXX reach us to refi our fha mortgage and we agreed and started the paperwork. Since that time we have sent several docs, spoke with several different mortgage processor and finally last Friday we received two sets of closing docs, one which appears to have accurate data and the other with a much higher mortgage payment than we we are paying now at a higher interest. We shared this with our processor and closer on Friday and received a email confirming today 's closing. When a notary finally called us back today, we checked to see if the docs were accurate, and course they were not. We have also tried to reach a manager, who know one seems to know to find out why they can not correct the documents ... Why would anyone sign off on a monthly mortgage with higer payments ar a lower interest. In sane. Please help if you can. This has been a complete nightmare. | ||||||
| 07/14/2020 | Yes |
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| In XX/XX/XXXX, I received a notice that my city property taxes for XXXX had not been paid. Since then I have contacted the mortgage company twice monthly to get this resolved. I have been told that my concern was in the research dept, I spoke to a representative in the delinquent tax department, XXXX, and she confirmed the taxes had not been paid. She requested I forward an up-to-date statement through their website of what was now owed to include all late charges and penalties. It was confirmed through a a different rep ( when I called again on a later date ) that they did in fact receive it. I have been told that the check is being processed ( that was a month ago ), I again called and the rep was no help. I am in the process of selling my home, the XXXX taxes are due next month, XXXX, may name has been put in the paper for delinquent taxes and I need this to be resolved ASAP. | ||||||
| 01/05/2021 | Yes |
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| I refinanced my house with this company. Once the process was complete I started getting daily phone calls and certified letters from the mortgage company saying I am late on my payment. Apparently the paperwork I signed was missing a signature line so they were unable to close out my old loan, but somehow managed to open a new one and now have 2 mortgages due on my house. I have been paying the new one, and apparently just need to resign the papers so the loan company can close the old one. I don't think it's even legal to have 2 loans on the same property, but either way, mortgage company and title company keep referring me back to the processor at community loan servicing, who handled the paperwork for my loan. I can not get the lady to respond, she responded once and said she would send someone out to sign new paperwork but nobody ever came and she stopped responding again. | ||||||
| 04/29/2022 | Yes |
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Web | Servicemember |
| Lakeview Loan Servicing has not paid my property taxes for Q1 & Q2 of XXXX. There have been serval phone calls placed, and every escalation has been closed with no resolution. On the call earlier in XXXX, I noticed that they have the wrong block and lot number on the mortgage statement, which is why my taxes are unpaid. The person said they would have resolved. When I called back on XX/XX/XXXX, which was my 4th call, the person told me the case had been closed as resolved. When they called my township they again gave the wrong block and lot number, which is paid to date, through my mortgage payments. I was told at this time the situation would be resolved by XX/XX/XXXX. I just spoke wth my township tax department and nothing has been resolved. The next letter will be placing our home up for tax sale due to two unpaid tax bills. I need this paid and resolved immediately. | ||||||
| 04/11/2022 | Yes |
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| Lakeview Loan Servicing , LLC ( Lakeview Loan ) has reported a security incident involving unauthorized access to Lakeview Loans file servers, which was identified in early XX/XX/XXXX. The companys investigation determined that an unauthorized person obtained access to files on Lakeview Loans file storage servers from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, Lakeview Loan began mailing notification letters to individuals whose information may have been involved in the data breach. The accessed files, according to Lakeview Loan, were reviewed by its investigation team to identify the content. The investigative review process, according to the company, generated a preliminary list of individuals whose name, address, loan number, and Social Security number were included in the files. I receive a notice and was only offered one year of a free identity monitoring service. | ||||||
| 02/26/2021 | Yes |
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| As of XX/XX/XXXX my Conventional Loan that is serviced by XXXX XXXX is below 79 % Loan to Value and I have 0 missed payments since closing on this loan in XX/XX/XXXX. All of my payments and statements have included a Private Mortgage Insurance ( PMI ) payment of {$33.00}. I requested in writing to remove my PMI on XX/XX/XXXX due to the fact that my Loan to Value is now below 80 % and I have never made a late payment or missed a payment on my loan. I never received a response and my XX/XX/XXXX payment was still processed on XX/XX/XXXX with the {$33.00} PMI included. I sent a second request to remove my PMI on XX/XX/XXXX and again have not received a response. I contacted XXXX XXXX on XX/XX/XXXX and spoke to an agent that informed me a response would be provided to me by XX/XX/XXXX but I have received a response, and my XX/XX/XXXX statement still contains the {$33.00} of PMI. | ||||||
| 03/13/2020 | Yes |
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| In XX/XX/XXXX I discovered my mortgage company ( XXXX ) paid my XX/XX/XXXX property taxes to an incorrect parcel ID number. The payment went to the builder and not on the property I purchased in XX/XX/XXXX. This was also done for the XX/XX/XXXX property taxes. I have advise the mortgage company and have provided them with proof of the incorrect transactions. In the mean time my escrow account is severally short due to 4 property tax disbursements when there should have only been 2. The mortgage company has increased my monthly payments by an amount that I can not pay due to the shortage they created. So I am paying the XX/XX/XXXX payment until they straighten this mess out. Now the mortgage company has reported to the credit bureau that I have missed monthly payments, which I have not. I have been working with the mortgage company now for 6 months to correct my account. | ||||||
| 07/17/2019 | Yes |
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Web | |
| I split my mortgage payment into two payments for my XX/XX/2019 mortgage payment and it was not put in the right place. I have called 6 times now starting XX/XX/XXXX when I received a letter that stated I did not make my XXXX payment and now have late fees. The late fees were waived but it wasnt resolved and hit mine and my fiancs credit with a -54 points due to a delinquent account/past 30 days. I was told the gentleman would be coached because of his error and Im left waiting for our credit to be fixed and am told itll take a month. I was originally told 3-5 business days. I wasnt even late let alone delinquent. I am very angry about this and it just seems like they dont care one bit. I disputed it with the credit places too. I want to file a complaint since we are left waiting to do anything with a credit hit that bad I cant get anything at a fair price or on credit. | ||||||
| 05/06/2020 | Yes |
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Web | Servicemember |
| I am a homeowner and I changed home owners insurance companies from XXXX XXXX and XXXX XXXX XXXX to XXXX due to a reduction in the insurance costs. I cancelled the insurance at XXXX through my mortgage company and directly with XXXX back on XX/XX/2020. My mortgage company paid the insurance cost through escrow after already submitting a payment to XXXX. I contacted XXXX and I was advised in XXXX that I would be receiving a reimbursement. I have continued to follow up with the company to collect the refund each month and I am receiving the same response. The amount of refund is around {$430.00}. I have continued to try to resolve this issue directly with XXXX but I am unsuccessful. I would like to receive the refund as soon as possible. I feel that a refund is due to me in a timely manor and after four months or trying to resolve this I have decided to file a complaint. | ||||||
| 12/16/2020 | Yes |
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| I refinanced my home, the closing was on XX/XX/2020. I refinanced the house with the same lender, just to reduce the interest rate. They offered me an FHA streamline program and I accepted. It happens that my old account is still open, they should not charge my old account, but they did it and I had to pay my monthly charge on XX/XX/2020. My new account is open as well and I owe a payment in both accounts on next XX/XX/XXXX. I checked my credit report and I have two mortgage accounts, and of course ; the amount owed has multiplied by 2. I contacted my loan processor, by phone and email. I sent several emails and I still don't have an answer. I called the company and the old mortgage is open because it hasn't been funded. This is a matter of concern for me. It's affecting my credit and I owe two mortgage accounts. I haven't receive my copy of documents of the new loan. | ||||||
| 07/24/2022 | Yes |
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Web | |
| I just want to report on my Mortgage company, Lakeview Loan Care. This company is the one I chose for my home loan after the initial purchase of our home. Just recently they disbursed my escrow account for a large amount without even consulting me and getting my permission, meaning my signature. And it was a good thing my wife caught it on time. I am very disturbed at white they did to me, I felt hoodwinked and swindled off my money. They disbursed my money without permission and tried to purchase a very expensive Flood insurance, which I already have bought from FEMA. It just made my heart sank that they can do that to me, of my hard earned money. Please do something about this. We called them and they say that it will take 10 days to return my money to my ESCROW. Imagined grabbing my money behind my back, and making me wait for 10 days to return my money to me. | ||||||
| 03/23/2020 | Yes |
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Web | Servicemember |
| On XXXX XX/XX/2020, my new lender purchased my mortgage from Lakeview. I had an autopayment set to withdraw at the beginning of XX/XX/2020. I canceled the autodraft and erased my bank information from Lakeview 's system. On XX/XX/2020, Lakeview withdrew money anyway {$8300.00}. I contacted Lakeview to refund the money immediately. They said it would take 10 to 14 days. At 14 days, I asked them where the refund was. They said the check was in the mail. It has been 19 days. I have not received any payments. This is theft. Even if they have sent the check, they have optimized the delay in refund and have injured me the opportunity cost in interest. It's slimy and disgusting. It's illegal. Lakeview creates ways to steal money from its customers. They steal money from their customers and only react when a customer with the wherewithal and bandwidth complains. REF : XXXX | ||||||
| 03/10/2023 | Yes |
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Web | |
| On XX/XX/XXXX, Lakeview Loan Servicing increased my monthly payment by {$540.00}. I inquired about this to try and understand it better. It has come to my realization that they have charged and set lender based hazard insurance on the property. In Mid XXXX I submitted proof of insurance. I closed on the property on XXXX XXXX. It has not even been a full year and I have been fully insure the entire time. I called again to inquire on the account and my insurance rep with XXXX XXXX has submitted my proof of insurance twice. They still have not changed my monthly mortgage payment amount. I also submitted my tax bill which they increased my estimate to {$7700.00}, which my tax bill in XXXX was only {$5300.00}. They still have not changed that either. I have been left with no other options besides reporting this to the CFPB. My lender said I should report this case. | ||||||
| 12/01/2023 | Yes |
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Web | |
| I have a loan at " XXXX ''. My due is today ( XX/XX/2023 ). I was trying to make a payment but it did not go through but the app is not saying exactly if they withdraw the money or not. Just got a message " something went wrong ''. I did try several attempts and now wondering if they have a queue how many times they are going to process the same request and where the money will go. I got to know from forums that parent company XXXX XXXX XXXX was cyber attacked and a lot of information was leaked. There is no official statement from the lakeviewloanservicing but web services are still behaving strange accepting payment and all information to be entered including routing numbers, account numbers, etc. The main concern is what to do now. If my information is stolen, and company hides it. At any point of time all money from my account can be stolen and no-one cares. | ||||||
| 01/28/2021 | Yes |
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Web | |
| As of XX/XX/2021, I have not received my monthly mortgage bill statement. My payments are due on the 1st of the month. In addition, I have not yet received my tax form from my mortgage servicer. I assumed it had been lost in the mail, so I called the company today to find out what was going on. It turns out that they sent out the monthly invoice and tax statement on XX/XX/2021. That is 5 days before the due date - 4 business days before the due date of the payment. That's not enough time to get the statement in the mail from them, much less enough time to send payment in in response. If I had done such a thing, I would be subject to all kinds of late fees and interest. This is unacceptable behavior and a failure to perform their duties as a loan servicer. They are trying to set people up not to make timely loan payments. This is an unfair and deceptive practice. | ||||||
| 01/23/2023 | Yes |
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Web | |
| XXXX is hiding under shadow companies threatening language through written communication. I have on several attempts wrote this company and requested who is the XXXX XXXXXXXX XXXX XXXX XXXX they wrote and stated it was XXXX who has reported to XXXX XXXX and public entities of a charged off account and foreclosure when they are not the real party of interest and disputed amounts remain not validated. Because XXXX companies XXXX XXXX aka Lakeview Loan servicing aka XXXX XXXX is withholding of QWR ( qualified written request ) for contracts and the withholding of financial accuracies as well as filing fraudulent securities instruments. XXXX XXXX and XXXX XXXX XXXX is the operators for california corporation XXXX XXXX. they refuse to its documents, XXXX documents, Insurance claims and payout, note and mortgage, Controversy is present and no resolution in sight. | ||||||
| 04/27/2021 | Yes |
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Web | Servicemember |
| My husband is a 100 % permanent and total XXXX veteran since XX/XX/XXXX. Since this date, I have attempted to work with my mortgage provider, XXXX XXXX XXXX to correct my payment information to reflect that real estate taxes at the city and county level are not required. I have provided the appropriate paperwork and it has been acknowledge as received. I have called our mortgage provider every other week and emailed every other week since XX/XX/XXXX. During my call today, it was acknowledged that the " ticket '' from XX/XX/XXXX was opened and closed and just today ( XX/XX/XXXX ), they are re-assessing the tax and escrow portion of my account. I am at a loss of what to do next as I have exhausted all the avenues I am aware of with my mortgage provider to resolve this on my own. Any assistance that can be provided to help reconcile this is greatly appreciated. | ||||||
| 02/13/2021 | Yes |
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Web | Older American |
| On about XX/XX/XXXX, we were solicited by Lakeview Loan Servicing , LLC for a refinance of our mortgage. Lakeview is the loan servicing company for XXXX which held our existing mortgage. XXXX had us spend countless hours providing them with information and documentation. They had us pay for an appraisal that cost us {$740.00} and after more than 5 months they ultimately denied our application based on vague and ambiguous reasons, e.g. " Too Many Inquiries ''. They allowed one loan lock period to expire without any communication. When we inquired about the status they asked for more information and extended the loan lock period to XX/XX/XXXX. During this time our financial activities were put on hold while we waited for their decision. They could have and should have made their decision prior to us spending all that time and money on their refinance process. | ||||||
| 09/01/2020 | Yes |
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| For the last couple of months i have been sending in an additional principal payment of {$10000.00} extra, and have clearly noted it by writing on the check Principal payment only, also wrote principal payment only on the statement slip and also wrote principal payment only on a separate note attached to the check. Both times the money is not allocated properly, first time it went to the escrow account, which I did not ask for. Next time they broke the payment up into 2 different transactions {$8400.00} on XXXX and {$1500.00} on XXXX and applied the money 10 days apart from each other even though I had sent 1 check for {$10000.00}, this causing me more interest on both times. I called the first time and ask what happen and they told me they don't know, I tried calling the second time and the answering machine stated they were too busy to answer the phones. | ||||||
| 04/02/2018 | Yes |
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| I purchased a new home ( address XXXX XXXX XXXX, XXXX, Az. XXXX on XX/XX/XXXX. Funds were wired from my mortgage company to Lakeview Loan Servicing ok XX/XX/XXXX. The seller was in foreclosure prior to the completion of this sale. Funds remitted to Lakeview paid his loan in full and should have resulted in the stoppage of foreclosure. It did not, and a foreclosure sale occurred on XX/XX/XXXX. I have tried, unsuccessfully to get into contact with Lakeview to have them resolve he matter. Foreclosure should be rescinded immediately. Separately, the debt collector/attorney of the company which purchased the foreclosure stated verbally to me that they knew the lender had messed up but that they needed to threaten me with action to get me to put pressure on the mortgage company .... Not ethical business practices on behalf of attorney XXXX XXXX in XXXX az. | ||||||
| 04/20/2023 | Yes |
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| I took mortgage loan and Escrow with Lakeview Loan care company in XXXX. The escrow team over paid property tax close to {$9700.00} to XXXX XXXX in XX/XX/XXXX. I raised multiple complaints to Lakeview customer care to get this refund but till now I am not getting proper response. Lakeview customer care tells me that XXXX XXXX is not releasing the funds. When i asked XXXX XXXX, i get response that Lakeview Escrow team should request for refund and they have been contacted to raise refund request multiple times but Escrow team failed to raise that request. I don't know who is telling the truth but my money is not refunded till now even after multiple calls and complaints to Lakeview. Note : XXXX XXXX told me that I can not raise this request as i am not the one who paid the tax. Complaint numbers raised in Lakeview customer portal # XXXX # XXXX # XXXX | ||||||
| 12/11/2021 | Yes |
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| Effective XX/XX/2021 my mortgage loan servicer changed to XXXX XXXX ( Lakeview ). The previous servicer was XXXX XXXX. On XX/XX/2021, I made a payment in the amount of {$1700.00} to XXXX and that payment was applied to the XX/XX/2021 payment. The loan was then due for XX/XX/2021. However, this payment was never sent to XXXX XXXX ( Lakeview ) when the loan was transferred, and XXXX was under the impression that I still had a XX/XX/2021 payment due. I made several contacts to XXXX XXXX ( Lakeview ) to correct this error in phone calls and through service tickets ( ticket numbers XXXX, XXXX, XXXX ). I filed a consumer complaint against XXXX under CFPB Case # XXXX to send my payment to XXXX ( Lakeview ) XXXX On XX/XX/2021, XXXX finally sent the funds to XXXX ( Lakeview ). However, to this day, XXXX ( Lakeview ) still has not applied my {$1700.00} to my loan. | ||||||
| 02/22/2021 | Yes |
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| I am a man who respects my financial obligation so all my payment, I pay almost 10 days before the due date my first pay it should be on XX/XX/2021, I paid it 5 days before the due date, I did payment online manually, and before I set up auto-draft, but I thought is not active yet. The mortgage company deducted the amount of {$130000.00}, and I paid {$100.00} for principals as extra. After they receive that payment, they deducted another {$1300.00} so deducted my mortgage for one payment twice, I call them to refund me back for the second payment, they regarded it as returned payment and added {$40.00} fees. They disable my account online, prevent me from paying my mortgage payment online. This company, sorry to say is not professional, very greedy, have no flexibility, lacking all rules and conditions which qualify them to be a good financial company. | ||||||
| 06/10/2019 | Yes |
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Web | Servicemember |
| I was in the process of refinancing my mortgage in the month of XXXX, the company that I was refinancing with requested a payoff from XXXX XXXX XXXX. On XX/XX/XXXX Lakeview initiated a tax payment out of escrow for me. They provided a payoff on the XXXX of XXXX and we calculated this payoff for the closing including per diem. I dont know why they would send us a payoff with figures that werent accurate after they initiated a tax payment. With that payoff, we wired out what the amount would be with coverage for per diem. They rejected that two times from us saying the amount was short even though it was exactly what was requested on the payoff statement. Now i'm being reported delinquent for the month of XXXX even though I tried multiple times to payoff my loan with the exact instructions provided by XXXX XXXX XXXX. I shouldn't be reported delinquent. | ||||||
| 04/27/2019 | Yes |
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| I submitted the proof that i have insurance for my house. However, lakeview Loan Servicing LLC who is the escrow agent, refused to refund the deduction which should not be supposed to do that. Our house loan has no escrow account and we handled our insurance. In XX/XX/2018, Lakeview Loan Servicing LLC suddenly open the escrow account and deducted {$2200.00} and deducted the amount from my back account by automatic payment. Later on, I submitted insurance company 's statement and showed them we have insurance. Lakeview loan LLC sold the loan to XXXX. Lakeview Loan LLC refused to refund me saying the account is sold and closed. I called Lakeview several times during the past few months and they said " the check is being processed '' but i never received the refund. Attached with the doc. You can see my escrow account starting balance is - {$2200.00}. | ||||||
| 05/16/2021 | Yes |
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| On XX/XX/21 two mortgage payments were made I requested one of them be returned to me. They returned both, one was sent back into my checking account one was sent in a paper check to an address I do not live so I did not receive. Another check was issued which I did receive it was cashed and paid right back at this point I made two payments which covered XXXX and XXXX. They keep sending me letters stating I am behind on payments which I am not and refuse to fix this issue. I have sent all bank statements showing payments going out to them and how they seem to be missing one that was made and not applied I do not know what else to do. They sent me a letter saying I am going to lose my home if I dont pay they are also charging me late fees for a balance I do not owe. I have called filed tickets with over 9 people so far no one seems to want to help me. | ||||||
| 10/04/2020 | Yes |
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Web | Servicemember |
| Lakeview XXXX XXXX has reported paying our homeowners insurance, from escrow, to XXXX XXXX XXXX. The insurance payment was over {$1300.00}. XXXX reported XXXX never paid the insurance payment. XXXX has deducted the payment from my escrow and the bill remains unpaid. It will be overdue on the XXXX of XXXX. Both companies have declined to allow us to speak the with a supervisor or higher up. The representatives both voiced they had no ability to resolve the matter and would notify higher ups. Both companies took messages and promised calls back. They have not returned my calls. I was notified the XXXX XXXX is overloaded due to Covid and supervisors are working from home. The representative at XXXX XXXX was apologetic and very polite. XXXX representative did not seem amicable and declined further assistance while voicing the XXXX never sent a payment. | ||||||
| 10/17/2017 | Yes |
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Web | Servicemember |
| XXXX 2016 my wife was mobilized from XXXX status to XXXX then XXXX overseas. We filed the appropriate paperwork with XXXX to invoke the Servicemen 's Civil Relief Act ( SCRA ) for this loan. The mortgage payment prior to SCRA was : - ( P & I ) = {$770.00} - Escrow = {$260.00} - TOTAL = {$1000.00} After SCRA was invoked the payment was : - ( P & I ) = {$770.00} XXXX Escrow = {$240.00} - Buy down ( SCRA ) = XXXX - TOTAL = {$900.00} XXXX incorrectly lowered the Escrow payment and, in violation of Federal law, kept the amount of interest paid to the bank at the 7.78 % rate. The lowering of the Escrow payment has now caused a huge Escrow shortage. XXXX, a manager at XXXX, has documented my grievance. I believe this is not the only SCRA loan that has been incorrectly modified to collect funds boosting the banks profits and harming the service member. | ||||||
| 12/01/2023 | Yes |
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Web | Servicemember |
| Approximately XX/XX/2023, I attempted to access the website for my mortgage loan servicer, Lakeview/Loancare. The website was not accessible and has not been accessible. In doing some research, the parent company, XXXX XXXX XXXX XXXX XXXX appears to have filed an XXXX with the SEC on XX/XX/2023 indicating they experienced a cybersecurity incident : XXXX XXXX XXXX XXXX At no point in time has Lakeview/Loancare, or XXXX XXXX XXXX communicated that this occurred to me as a client/customer. I was only able to find details about the incident by searching the internet. Overnight I received an email saying the website is again accessible, but it is in fact still down. Meanwhile, the phones are either not being answered, or being answered by somebody who will give no information. Further, during this time I have continued to receive marketing emails. | ||||||
| 08/16/2019 | Yes |
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Web | Servicemember |
| Our loan was sold to Lakeview Loan Servicing LLC within the last year or so. In that time they have claimed that we are behind on payments. Most recently ( right now ) they claim we are two months in arrears however the holding company has provided a history that shows all payments have been made. We get reminders that electronic statements are available by email but not if there might be an issue. We check periodically but did not check recently because everything has appeared to be proceeding normally. Out of the blue, I get a credit alert that the company has reported that we are delinquent. When I looked at their site, they indicate that we are XXXX months in arrears. I have sent emails along with information from the holding company yet no response. We need them to correct their records and fix the credit report. Thanks, XXXX XXXX | ||||||
| 03/09/2021 | Yes |
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| I have been working with XXXX on this issue since XX/XX/2020. Back in XXXX I submitted a partial claim due to Covid, for roughly the amount of {$7000.00}. Shortly after though, I decided to actually do a loan modification instead of the partial claim. I have a statement that even shows that amount added to my principal and then paid off when I refinanced. Yet the lender is saying that I also did the partial claim, but you can clearly see on my payment history that they added the amount to my balance and I paid that in full when I refinanced my mortgage. They still filed the partial claim though and it's showing on title. I tried to get them to do a re-conveyance of the partial claim and now they're saying I did both the modification and the partial claim, which is entirely impossible. They literally show on my payment history that I didn't. | ||||||
| 08/19/2017 | Yes |
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| I entered a complaint XXXX The complaint was closed. But this is not my decision. This mortgage company sent me letters about the property tax Never in those letters they specified I needed a XXXX policy If I knew I needed a XXXX policy, I would have purchased I read my mortgage disclosure and never in that document it mentions requiring a XXXX policy. Nevertheless I provided them with a new XXXX policy, now the mortgage company wants to have me pay for the laspse If I never needed XXXX before, why would I pay a lapse in insurance? I feel like I have no rights with this company as a consumer I struggle to get anywhere when I have never missed a payment and I have always cooperated with them. This company has no respectable communication when I have been nothing but forthright and I have always provided the documentation they have needed. | ||||||
| 03/09/2021 | Yes |
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| It's been more than a month, I have been informing agents that works for Lakeview Loan Servicing that the reports they have on my credit reports is totally wrong. I got this mortgage back in XXXX, XXXX and I have never at once paid them over 30 days late. I will not deny the fact that I have made some payments past the 15 days grace period but never at once paid past 30 days late. They reported me to the credit bureau that I was 12 months late on my mortgage payments, for the whole year of XXXX.. I tried all my level best to let them know that you have the wrong reports on my credit file but they refused to understand my request and deliberately just don't care about my complaint or just trying to ignore what I was telling them. I was reported 12 months late for the entire XXXX, while I did made my mortgage payments that whole year. | ||||||
| 05/29/2019 | Yes |
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| On XX/XX/19 in the amount of {$4000.00} was taken from my checking account after the loan with Lakview was paid in full, due to a refinance through another company. Lakeview Ln Srv Mtg Pymt XXXX XXXX XXXX XXXX XXXX {$4000.00} I have since tried calling them numerous times and have also emailed them asking for my money back. I was since laid off inXX/XX/2019and need my money back asap so that I can keep up with my new mortgage payment. The account was closed and paid in full, and I do not understand why the amount was ever even taken in the first place! They have said a check was sent out, when it wasn't. Then asked me if the amount was included in the escrow closing amount, and it wasn't. I had to wait a month to have a new check reissued and they again would not send it with a tracking number. This has now been almost 3 months! | ||||||
| 03/20/2020 | Yes |
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| I currently have a mortgage with Lakeview Loan Servicing , LLC, which was acquired in XX/XX/2019. My semi annual property taxes were due XX/XX/2019. I have received now two notices via mail for Overdue Property Taxes/Final Bill/Legal notice on these property taxes, both in XXXX and now in XXXX. At the time, I have submitted two Service of Error letters/complaints to Lakeview Servicing. The last complaint was on XX/XX/XXXX. Prior to that, I was told property taxes would be satisfied XX/XX/XXXX. As of XX/XX/XXXX it was communicated that the lender had until XX/XX/XXXX to pay my property taxes. There is currently {$4700.00} in my escrow account with {$2400.00} in overdue taxes. No one seems to call me back or give me any indication as to why these taxes are overdue.Property will be advertised for auction XX/XX/XXXX if not paid. | ||||||
| 12/01/2023 | Yes |
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| I was attempting to pay my mortgage today ( XX/XX/2023 ) through the online portal that Lakeview Loan Servicing , LLC provides but despite multiple attempts to pay through their portal ( which they suggest ) their website continues to glitch and not allow me to make my payment of {$5100.00}. I went to the help tab on their website and attempted to call during their posted business hours. Their help line was not accepting calls despite being during their business hours and it hangs up after letting the automated message tell you they are unable to help. I followed up by filling out the online form requesting information. I confirmed my account has the funds necessary to make this payment, Lakeview Loan Servicing is just not providing their customers with a working website and not making it possible to speak to a representative. | ||||||
| 11/07/2019 | Yes |
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| I reached out to Lakeview Loan Service and inquired about removing my escrow because my home is worth XXXX and I owe XXXX ( I owe less than 80 % ). I was instructed on what to do, which I did. I payed my yearly insurance which was {$1700.00} dollars and I sent Lakeview the receipt. Lakeview turns around a payes the insurance company {$2800.00} dollars and now ( XXXX XXXX XXXX XXXX XXXX wants to return {$2800.00} dollars to me. I have called Lakeview almost every day and I get no help, they instruct me to mail my request and no one reaches out to me. I also emailed Lakeview my tax receipt for the taxes that I payed a few days ago, but again I get no answer back and when I call, I get the same result- Im told to mail in the information. I dont want Lakeview paying the taxes again like they did with the insurance, please help me. | ||||||
| 04/30/2020 | Yes |
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Web | Older American |
| I requested for my late payments to be removed from my Credit Report ; because the monies were held in an escrow account for ever and my loan was not paid. While the modification was done and after the monies were not paid to my loan. I call Lakeview every month and they never paid my account. i send a letter for them to do an investigation and obviously they feel it's my fault. In addition, I requested for Lakeview to removed the complain as resolve, since nothing was done about it ; and was told by a XXXX in collection that : " if I wanted to clear the Credit Bureaus-it was my responsibility do clear the credit issue myself. I explain that he was wrong and by law all complaints need it to be clear as resolved. I did get a letter from Lakeview stating that the inquiry was finish and they would not removed the late payments. | ||||||
| 05/03/2021 | Yes |
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| To whom it may concern, My mortgage payment in XXXX was about {$1500.00} per month. XXXX it was dropped to {$1400.00}, but starting in XX/XX/XXXX my mortgage will be $ 1,627.The mortgage company failed to inform me of 2 times the property tax increase. XXXX XXXX of XXXX XXXX only assessed my property {$4000.00} more in XX/XX/XXXX. Now that they underestimated the monthly amount to put into escrow to cover taxes and insurance, they say that it is not there fault and I should pay for their mistake. In addi they still take the same {$330.00} a month for escrow taxes and insurance to this day knowing this will still put me in the negative next year. This big corporation with all these accountants didn't realize that this would be an issue? Please inform them that I should not be responsible for their mistakes. RegardsXXXX XXXX | ||||||
| 02/03/2021 | Yes |
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| XXXX has been reporting incorrect payment history to all three credit bureaus. My loan and been in deferment and forbearance all of 2020 until now, but the mortgage company is reporting me being 60+ days late to all three bureaus. I have called them in and I have sent them a letter in XX/XX/2020 asking them to correct my payment history. I can not be late if there haven't been any payments due. They are violating the rules of the FCRA, the CARES ACT, and the Fair billing act by reporting incorrect payment history to XXXX XXXX and XXXX Each bureau is reporting different payment information because XXXX refuses to fix their reporting. I have included my letter to them requesting that they correct the payment history, the forbearance letter from them, and a copy of my credit report showing the incorrect payment history. | ||||||
| 11/15/2022 | Yes |
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Web | Older American |
| Problem with Lakeview Loan Servicing , LLC. Every year I have to send them proof of Insurance on the home that I have a mortgage on. I would not think this should not be such a problem. I have been there with my agent as he or she sends in the needed info. but things a getting lost in the shuffle at Lakeview Loan Servicing , LLC each year. last year they bought insurance coverage and billed my account until they found their goof. then credited back to my account. Now they sent me their second and final notice before they buy insurance again for me! we have sent them the needed info twice already. I have tried to call them several times today, can not talk to a person. Seems to me they want me to buy insurance only from their selected insurance company. HELP PLEASE! XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX # XXXX | ||||||
| 08/04/2022 | Yes |
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| Have contacted this company XXXX separate times now to get my mortgage a reamortization and have been fed XXXX different tales concerning how much principle has to be paid, one woman even stating the had no idea what a reamortization was! We were always told 10 % of the mortgage had to be paid at the time of reamortizatoon. Now we've been told its {$10000.00} regardless of current principle amount. This company never allows for emails because they dont want a paper trail. On top of the lying being done concerning reamortization, we have also been lied to about removing the mortgage insurance. We have reached out to this outfit several times to have this useless insurance removed and have been met with silence. This company is a glaring example of what caused the housing collapse in XXXX and should be fully investigated. | ||||||
| 07/19/2021 | Yes |
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| In 2019 I filed a loan modification that was approved. I was put on a trial payment arrangement with a signed agreement. I made all trial payments and my modification was fully approved. The lender has since reported all trial payment months are late, no payments on my credit. I contacted the FHA and my attorney and they confirmed that it has to be reported at " paid as agreed '' because I made the payment it was just a different payment based on our NEW agreement. Now 2 years later and in a better position I want to refinance and can't because they are reporting late payments ILLEGALLY!!! I have disputed it based on my contract and 2 bureaus have updated but transunion wont claiming the original creditor is telling them not to which is ILLEGAL. It has to be reported accurately which is that I paid an agreed upon amount. | ||||||
| 01/10/2019 | Yes |
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| I have a Foreclosure Lawsuit pending under Mortgage Fraud against Lakeview Loan Servicing LLC., in which is not a licensed Mortgage Company and had their partnership Company known as XXXX XXXX XXXX to write an Fraudulent Mortgage Agreement/Contract under XXXX XXXX, in which now XXXX XXXX is now stating that their Company never wrote the so called Mortgage Contract in which these Documents are being Subpoena. Lakeview Loan Servicing LLC. is a scam company and this has to be investigated. I have the evidence to prove this, not only in Court, but with your Bureau as well. Case No. : XXXX is the case number and please contact me at XXXX to talk to me so we can get this investigation started. I can provide your Bureau as much information as you need from Subpoenas to Court Exhibits. Please call me. Thank you, XXXX XXXX | ||||||
| 07/10/2020 | Yes |
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| On XX/XX/2020 the XX/XX/2020 mortgage payment was paid through my bank that has provided proof of payment that the funds were received on XX/XX/2020. The Mortgage Company website reflects this payment received on XX/XX/2020, which consequently results in a 30 day late payment to be reported to the credit reporting agencies. On XX/XX/2020 the XX/XX/2020 mortgage payment was paid through my bank that has provided proof of payment that the funds were received on XX/XX/2020. The Mortgage Company website reflects this payment as received on XXXX 2020 I have contacted the company numerous times via telephone and by email ( which included proof of payment ) regarding the first matter since XX/XX/2020 and about both matters since XX/XX/2020. To date I have not been contacted by them and the errors have not been corrected. | ||||||
| 02/25/2023 | Yes |
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| I have called several months ago to request PMI be removed and was advised it would not be until 11 years. I looked today and noticed that your site indicates : " Automatic PMI termination Even if you dont ask your servicer to cancel PMI , your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. '' My principal has reached this threshold but I am still being charged PMI. I tried to contact my mtg company again and got this message : That my loan would not be eligible until 2025 ( the 11 years again ) | ||||||
| 11/16/2021 | Yes |
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| My husband and I went under contract on a property that had been foreclosed upon on XX/XX/21. Lakeview Loan Services is the bank managing the property. We have missed and readjusted our closing date 3 times because of their negligence. They were informed of an outstanding debt to the HOA by the listing agent back in XXXX, giving them ample time to deal with the issue. Now, there is a lien on the deed to the property, and Lakeview doesn't answer phone calls, emails or any other form of communication. They won't even contact their own attorney. We can't close on our home until the debt is paid and the lien is lifted. We informed our landlord that we were under contract, and they expect us to be moved out, keys turned in by XXXX. If we don't sign closing papers this week and move in this weekend, we are essentially XXXX | ||||||
| 12/10/2020 | Yes |
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Web | Servicemember |
| I have requested several times to Lakeview Loan Servicing to have my Escrow payment adjusted due to having a XXXX veteran exemption on my property. I am currently paying $ XXXXmonth of escrow based on an elevated tax bill that does not apply to me since I have been able to put my XXXX veteran exemption in and it was effective immediately. The latest bill that I received for the month of XX/XX/2020 was {$800.00} for the year which has been submitted to the company. My annual property insurance bill is only $ XXXXyear which is correct on their website. I am requesting an adjustment to the rates that are actually in place. I have spoken with at least 3 or 4 different people since XX/XX/2020 to make these adjustments along with submissions through the website. Please reach out to me if anything else is needed. Thank you. | ||||||
| 03/30/2020 | Yes |
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| XX/XX/2019, an appraiser came to my home to do an appraisal for a refi. I made application for a refi with the company who held my mortgage, Lakeview Loan Servicing. They chose her to do the job. She came and was very scattered and unfocused. Within 5 days, I got the appraisal by email, and it was very low. Due to the fact that her comps were completely off, when she had exact comps to the subject home available in the neighborhood. I am a XXXX and know all about how it works. Lakeview stood by her appraisal. Which made it not worth my time to go forward with the refi because it did not reflect the true value of my home. I issued a complaint with my state 's Board of Appraisal and they did an investigation and recommended that the appraiser take a class in sales comparison. It was that oblivious. See Attached. | ||||||
| 07/24/2020 | Yes |
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| I setup a bill pay for my mortgage. The funds are taken out in 2 payments and the first payment is taken out around the 6th and the second payment is taken out on the XXXX. Lakeview ( XXXX ) calls me EVERY month because they said they didn't receive my payment, but the funds are removed from my account. I call my bank and they verify that the funds were taken out of the account. When you try to call the mortgage company. You have jump through hoops and ladders to speak to a live person. This is extremely frustrating and causing unnecessary stress. I can't change loan company unless I refinance. I can't refinance because my mortgage is still new ( 7 months ). There is a plethora of negative negative reviews against this company and I am adding my complaint to the list. I hope you can help me rectify this issue | ||||||
| 02/18/2022 | Yes |
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Web | Older American, Servicemember |
| we refinanced the house and the company Lakeview but XXXX takes the house payments. Our contract stated that once we signed the paperwork we didn't make payments for the first two months. So we start making our payments and they send back our house payment saying we are behind 3 months and they aren't accepting our payment unless we pay in full ( three months ). We called Lakeview and they say we are good but XXXX says we are behind. We have called Lakeview but they don't seem to have the stuff together. I'm warred about losing my home because of their stupidity. Until we refinaced the home all was good. Since refinancing things have gone down hill. My loan number is XXXX. We would like to get this fixed asap as it also effects my credit rating and my good name. Maybe this company shouldn't be servicing VA loans. | ||||||
| 04/17/2023 | Yes |
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| I have tried repeatedly over the last few months to have PMI removed from my mortgage payment, but the lender has made this process extremely difficult to complete. Most recently, I spoke with my mortgage servicer, XXXX XXXX on XX/XX/23 to pay for an updated appraisal on my property. On that date I spoke with a representative who took my bank account information and informed me that a draft of {$190.00} would be made to pay for the appraisal. When I called back on XX/XX/23 I was informed that the representative had never completed the payment process and that I would need to go through the payment process again before the appraisal could be scheduled and completed. This has led to a delay in having PMI removed from my mortgage payment and resulted in having to pay this fee for an additional several months. | ||||||
| 01/18/2021 | Yes |
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| My ... ..name is Mr. XXXX ... ..my Complaint ... ..is I am giving ... ..100 percent Exempt from paying property Tax ... ... because of my ... ..age!! The city of XXXX ... .of Virginia ... ..have allow Senior citizen like myself ... .become Tax Exempt Here within ... ..this City!! And I have ... .sent in 3-4 letters of this request and this ... ..Mortgage Company ... ..have not answer ... ..any those letters ... .have been Submitted ... ... and it have ... ..been little over a year now ... ..and they have not ... ..made any attempt ... .to answer those Tax-Exemption of ... .my properly. I even Contact ... .Social Service Department here ... .at City Hall ... and they have confirmed ... .I am one Hundred Exempt of ... .my properly Tax : My Mortgage ... ..should beless then what I am ... ..paying them ... ..!! | ||||||
| 06/11/2019 | Yes |
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| I created a XXXX account in XX/XX/2019. My first mortgage payment was supposed to be paid on XX/XX/2019. I set up auto pay and per their instructions, I paid the first payment manually as it would take about a month for auto pay to be completed. My first payment was taken out of my bank account on XX/XX/2019. A second payment was taken from my bank account on XX/XX/2019. I never authorized the second payment to be taken from my account. I created a ticket within their application on XX/XX/XXXX when i noticed the second payment that was processed. I created another ticket on XX/XX/2019 again as I had not heard anything back from the company. I also tried to call the company but received no answer. I contacted my bank XX/XX/2019 for a refund for the unauthorized payment as it has caused me financial hardship. | ||||||
| 08/28/2017 | No |
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| In 30 yrs of having various mortgages and loans, I have NEVER dealt with a more incompetent and inept financial institution. It amazes me that we 're supposed to entrust these XXXX with money. Problem started when my loan was sold to them from another mortgage servicer. Lakeview Loan Servicing took over as the servicer of the loan and promptly started charging me an impound fee for insurance despite the fact that they were provided the insurance information for the property. After dealing with this in MULTIPLE phone calls and finally getting the impound cancelled, my next statement showed a late mortgage payment. This was untrue as well and I have records of every pmt made on time. Six months later and after multiple phone calls with CS agents, the late payment and service charge are still not resolved. | ||||||
| 08/11/2019 | Yes |
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Web | Servicemember |
| In XX/XX/2019 the loan servicing company increased our monthly mortgage payment from {$2000.00} per month to {$2900.00} per month. Loan servicing stated that this was because of an escrow shortfall. It is apparent to me that the loan servicing company miscalculated the previous year escrow withholding by underestimating the property taxes. This has placed us in an extreme financial burden situation.This raised our monthly payment by {$840.00}. This was unplanned and we were caught unaware. I contacted the loan servicing company and the basically stated that it is what it is, pay it. We have paid this every month through XX/XX/2019 but can not continue to do so. This could result in the mortgage defaulting and foreclosure if the loan servicing company will not offer a more amicable payment solution. | ||||||
| 11/17/2021 | Yes |
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| Loan was originated with XXXXXXXX XXXX XX/XX/2020, and serviced by XXXX XXXX XXXX. We were notified the loan servicing would be transferred to XXXX XXXX effective XX/XX/2020. The payment was sent using XXXX XXXX XXXX XXXX XXXX XXXX service XX/XX/2020 for a XX/XX/2020 arrival date. As of XX/XX/2020 they XXXX customer service claims to not have received the payment and have assessed a fee. I reached out to XXXX and was given all the information, Conf #, date mailed, address ( confirmed with XXXX ), dollar amount and loan account #. All this information was provided to XXXX through their email resolution team. I followed up this morning and was told a copy of check front and back would be required to perform research, however if a check has not been negotiated, I can not provide copy front and back. | ||||||
| 12/18/2020 | Yes |
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| I have been trying and have failed to receive the form XXXX from the this mortgage company. It's been over a month and I have escalated this issue as high as I can go within the company. I need this form so my home can be from titled to deeded. My house payment went up over {$300.00} per month to cover these " taxes '' that I don't owe. If they would sign the form then I can file with the tax accessors office and won't owe the taxes. I paid one of their engineers to come and certify that it meets the criteria to have it deeded. I have supplied the documentation over and over to this company and I can't get no where. I had to come up with XXXX dollars so my house would not be sold on the court house steps because they failed to pay these taxes but won't sign the form so I can dissolve the tax debt. | ||||||
| 03/23/2020 | Yes |
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| During this Covid-19 pandemic a better plan needs to be implemented to assist homeowner in this trying time. A Loan Forbearance DOES NOT HELP!!! A loan DEFERMENT is the very best solution!!! How can the mortgage companies expect you to make full restitution after the forbearance period when you have not been working a do not have the funds accumulating to pay the account. This is another indifferent application by the mortgage companies to give false hope to the homeowner. Please stop the mortgage companies from implementing this practice or option. A deferment helps everyone involved. The banks get their money at a different time and the consumer gets the proper relief needed to get back on their feet. Please give this dire situation all the attention it needs Many Thanks XXXX XXXX XXXX | ||||||
| 07/12/2019 | Yes |
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| XXXX recently took over my mortgage from XXXX XXXX. In exploring payment options for my new servicer, I have come across undisclosed penalties that apply to people paying WITHIN their stated grace period. In my case ... My payment is due as of the XXXX of each month, and considered late if not received within 15 days. However, if I elect to make one-time online payment, apparently there is a {$5.00} " processing '' fee that applies from days 6-10 and a {$10.00} fee for days 11-15. When I inquired why, I was told, " that's just the way we always do it. '' I confirmed that a check or other payment method would not incur these " processing fees. '' This is unacceptable. If I have 15 days from the first to make payment, I should have 15 days or they should be up front about these hidden penalties. | ||||||
| 05/06/2020 | Yes |
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| I received a document from XXXX dated XX/XX/2020 in regards to a forbearance plan that was offered because of the covid-19 pandemic. My issue with this document was the fact that it also included my name and my ex husband 's name which in about a year ago I had submitted to XXXX a divorce decree and a quick to claim deed. My borrower is not worried that my ex-husband is still included on paperwork where he doesn't reside and he has no claim to my property. When I call the first time about it on XX/XX/XXXX they had transferred me and when I try to get back through I could not get through to anybody at customer service when I try by the morning of XX/XX/XXXX the gentleman I spoke to basically told me I was worried for nothing and that it wasn't important if his name was or was not on my paperwork. | ||||||
| 03/02/2019 | Yes |
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| We received a delinquency notice from XXXX XXXX on XX/XX/XXXX that our taxes that were due on XX/XX/XXXX were not paid by our mortgage servicer, Lakeview Loan Servicing , LLC ( aka. XXXX ). The XX/XX/XXXX taxes were paid nearly a month late on XX/XX/XXXX according to XXXX account within the Payment History section. After a month of phone calls, on XX/XX/XXXX, XXXX finally paid {$1400.00} of the {$1400.00} that were due XX/XX/XXXX, which left us with an outstanding balance of {$51.00}. We were told by a Lakeview manager that the {$30.00} in late fees were paid from a separate Lakeview account that we do not have access to. See attached ( Re : Tax Bill and Payment History ). All phone calls after XX/XX/XXXX have been unanswered and no messages have been returned by a Lakeview representative. | ||||||
| 05/25/2021 | Yes |
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| Hello, I applied for a mortgage modification due to COVID-19 and was approved on the second attempt. The process has been long, but recently came to an end. I was fortunate enough to qualify and my mortgage has been modified. I noticed that the company charged interest owed to my principal balance. I would like a breakdown of the how the interest was accrued. I just see a charge of {$4100.00}. I made payments during the trial process and my most recent payment was held in a suspense status until I filed a complaint. I do not believe the interest was calculated properly resulting in a higher charge. I would like this to be investigated. I paid the trial and should get some credit for doing this. It seems very unfair and wish this was disclosed during the process. Thank you, XXXX XXXX XXXX | ||||||
| 05/04/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX we received a loan modification that extended our mortgage term from 30 years to 40 years that included our unpaid deferred payments with a new mortgage payment of {$3000.00}. We signed loan modification documents twice, the 2nd time we signed our loan modification offer was on XX/XX/XXXX. Today we received a new loan mortgage payment statement stating that we now have an Escrow shortage of {$8100.00} raising our agreed to modified mortgage payment of {$3000.00} to now {$3700.00}. There is no way we can afford this increased mortgage payment since I had to retire on social security income due to on going health issues at my age of XXXX XXXX XXXX due to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Why was this Escrow shortage not included in my recent loan modification? | ||||||
| 05/10/2021 | Yes |
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| I have a mortgage for a property in Florida with Lakeview Loan Servicing. When I first acquired the mortgage I was forced to take private mortgage insurance ( PMI ), but the property has appreciated in value exponentially and it now meets well in excess the 75 % property-to-loan value. This company is sending me letters asking me to refinance with them stating the property value has gone through the roof. Meanwhile, when I call them to remove the PMI from my payment, they refuse telling me the property is valued at a much lesser amount than what they state in the letters they send me. Their premise is that, basically, the house has not increased in value since I purchased it 5 years ago, as if they did not know what currently is going on with the Real Estate market throughout the nation. | ||||||
| 07/30/2019 | Yes |
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| Lakeview Loan Servicing did not pay my taxes for XX/XX/XXXXuntil XX/XX/XXXX. On XX/XX/XXXX I requested to have my escrow account deleted. I received a denial letter stating there was a negative balance of {$540.00} therefore the escrow could not be closed. On XX/XX/XXXX I paid the negative balance in full ( conf # XXXX XXXX. At that time I was told the account would be closed in 3-5 business days. Today XX/XX/XXXXI was on hold for over one hour and was told the escrow account is still not closed. Asked to speak with supervisor and she didn't have any answers either. She stated that department was in a different building and could not be reached by phone, only email. She said she would escalate this situation but could not give me a time frame or a direct number for her to follow up with. | ||||||
| 11/16/2023 | Yes |
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| Did a refinance with XXXX XXXX was paying on XXXXXXXX XXXX mortgage learned that during the refinance process property loan got sold off from loan care to XXXX XXXX. The loan never got closed. XXXX XXXX put the loan into a foreclosure property was being sold off due to the. And in foreclosure, customer had to pay {$10000.00} hire an attorney to try to resolve and customer was paying XXXXXXXX XXXX mortgage while XXXX XXXX was for closing on the property mortgage companies are stating that its customers fault but customer did everything right the check was sent back to XXXX XXXX never XXXX XXXX is saying that customer give false information but customer never gave false information and customer should not have to pay {$10000.00} to get her house at a foreclosure if the job is done right | ||||||
| 03/06/2023 | Yes |
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| I previously opened a complaint that was closedXXXX, however the Loan servicer still has not fixed the account. Loan was transferred to Lakeview Loan Servicing XX/XX/XXXX. Payment was made to XXXX on XX/XX/XXXX and transferred to Lakeview Loan Servicing in amount of {$3200.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Next due date was XX/XX/XXXX for {$3200.00} paid by previous two payments with an overage of {$100.00} to go as Principal only payment. Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Next due date was XX/XX/XXXX for {$3200.00} paid by previous two payments with an overage of {$100.00} to go as Principal only payment. | ||||||
| 08/24/2020 | Yes |
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| My FHA refinance was started in XXXX of 2020. To date, it has not closed. I have had three different processors and have been to a manager who told me he would take care of it over a month ago. I have not been contacted in three weeks. I have been ignored and no one responds to me. Every-time I escalate my concerns I am told that the prior person left the company and they are trying to replace them. It has now been six months and no one is working my file. I have tried calling and emailing and continue to be ignored. My rate expired after 72 days and no one will answer me as to whether I get the lower FHA rate. I am just left out here with an unprocessed loan for the last six months. I continue on my own to research and try to reach people in management positions to resolve the issue. | ||||||
| 11/26/2022 | Yes |
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Web | Servicemember |
| I am XXXX XXXX XXXX veteran and I am exempt from paying property taxes. My issue is with Lakeview loan mortgage company. I went through all the right channels, paperwork, and my town meeting for the approval for my tax exemption. I submitted my resolution letter and other documents from my town that was required by Lakeview loan mortgage company. They received all of it and for about 6 months everything was good. Then Lakeview billed my sent a check to the town as if I was still paying taxes. The town sent it back to Lakeview stating I am tax exempt which Lakeview already knew. I call Lakeview and no one can give me an answer as why they keep sending the town a payment which is making me have escrow shortages and the escrow advances. Im stuck and dont know what to do. Please help me. | ||||||
| 03/24/2022 | Yes |
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Web | Older American, Servicemember |
| My cares act forebearance ended XX/XX/XXXX, I filed XXXX mortgage assistance program XX/XX/XXXX as told to do so 30 days prior to forbearance ending, I've been submitting all the documents needed my award letter for the VA and SOCIAL SECURITY XXXX, MY WIFE 'S PAY STUBS AND BOTH OUR BANKS STATEMENTS SINCE XX/XX/XXXX, LAKEVIEW LOAN SERVICING, KEPT SAYING THAT THEY WERE NOT RECEIVING THE EMAIL, EACH REPRESENTATIVE THAT I TALKED TO KEPT GIVING ME DIFFERENT EMAIL ADRESS, FINALLY I SENT THE DOCUMENTS BY XXXX, NEXT DAY DELIVERY, CERTIFIED XX/XX/XXXX, AND THEY STILL SAID THEY HAD NOT RECEIVED THE DOCUMENT THEY WERE SIGNED FOR XX/XX/XXXX XXXXI HAD TO RESEND THE BANK STATEMENTS AND PAYSTUBS AGAIN FOR XXXX AND XX/XX/XXXX AND THEY STILL DELAYING, I BELIEVE THAT THEY ARE USING STALLING TACTICS, | ||||||
| 11/18/2016 | Yes |
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Web | |
| My mortgage company transferred my loan to another lender and because of the transition they took out a payment for my PMI Insurance ( for XX/XX/XXXX ) in XX/XX/XXXX. The amount is {$200.00}. In the mist of all this, I refinanced my home through another lender. They paid off the loan XX/XX/2016. There is an escrow refund owed to me that does n't include the {$200.00} ( PMI Insurance ) they are suppose to give me for XX/XX/XXXX. I called multiple times and they said the PMI was due XX/XX/XXXX therefore they will not refund me the amount. Why would I pay PMI Insurance for a loan I do not have with them? Its like selling your car and still making the car insurance payment. I would like my {$200.00} refunded for XX/XX/XXXX. They had no right to take that money out a month in advance. | ||||||
| 02/06/2020 | Yes |
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| Following the sale of the property our mortgage was paid in full in XX/XX/XXXX and we have yet to receive our escrow refund check in the amount of {$1500.00}. We have called Lakeview Loan Servicing on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, and now XX/XX/XXXX. Each time we have been lied to regarding the refund status. Excuses have included representatives claiming they are submitting new refund requests only to find out during the next call they never did send in the request. We have also been told multiple times they are issuing a check and we should see it in 7-10 business days and the check never shows up. We have also updated and verified our current address multiple times, since they first claimed the check was sent to old address, which also had a forwarding service set up. | ||||||
| 04/25/2022 | Yes |
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Web | Older American, Servicemember |
| On or about XXXX XX/XX/2022, which was the closing date of the refinancing of our Mortage the cost now is more than the last XXXX previous mortgages, ( XXXX ) when I brought this up doing closing, I was told this was escrow in which taxes and insurance is being paid XXXX is escrow, however I pay my own insurance out of pocket. That was told to customer service and all I received was that they the mortage company pays for my insurance. I don't want the mortage company paying for something that I am paying for already that is what is in dispute, plus I was told when I did the refinance that my mortage would be just XXXX more than my previous mortage. The numbers don't add up when I brought this to the attention there is nothing that the company can do which is no answer to me. | ||||||
| 09/04/2021 | Yes |
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| XX/XX/2021 awarded forbearance for 180 days with no late fees, charges or amount owed back during time or forbearance. My credit report states I missed my payments XXXX XXXX XXXX The payments due were {$0.00}. {$0.00} was paid. Yet I am reported late and delinquent for those months. Also, all those months during forbearance the accrued amount has been added up and on to my total mortgage loan amount. In the statements it says no interest fees will be charged ; no amount will be added or need to be paid back yet every month they charge me or add on to my total. This is misleading and falsified information. Now XX/XX/2021 I am on a loan trial payment that is less than the monthly amount reported on my account and was paid in XXXX but not changed or updated on my credit report | ||||||
| 09/25/2020 | Yes |
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Web | |
| I have had multiple occasions where LakeView Loan servicing has lied to me and my colleagues in regard to providing us with the necessary documents to close on transactions. We've had the borrower call and authorize us on the account time and time again. They've provided me with false promises even though i follow their instructions. I was given a fake phone number to call and file a complaint. The managers refused to speak with me even though i waited on hold for over an hour. They will keep stating they do not have authorization on file even though I've sent it over multiple times weekly with confirmations back from them. I know they've received my requests each time. They are keeping us from fulfilling our end of the deal on transactions and it is hurting our business. | ||||||
| 09/06/2017 | Yes |
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| We claimed bankruptcy last year in around XX/XX/2016. Our accounts got frozen by my bank because i had a car loan with them but they choose to freeze them completely until they got a notice from the courts that everything was discharged. Once that was done I made catche up payments and did. however over a year later they are saying that i missed several payments and owe $ XXXX. I have sent them proof 3x that everything has been paid. They never send me a monthly statement on what i owe or of any late charges. Instead they sent me a notice that I owe $ XXXX in back payments. When we ask for this information they refuse. At one point they state I have a $ XXXX credit at the same time I owe $ XXXX and was stated that they maybe mixing up payments. this is for XXXX XXXX | ||||||
| 11/30/2023 | Yes |
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| I have been trying to log in for a week to pay my mortgage since XX/XX/23. The first few days, the website either refused to load, came up as a 404 error, etc. I have received no communication from Lakeview LoanCare re : this outage. I found out via XXXX and XXXX news sites that their website is down and has been down for over a week. On XX/XX/23, I tried to call them and was on hold for over an hour on two separate occasions. I tried to use their online form and was greeted with errors that prevented submission. I tried to make my payment when the website finally loaded after receiving an email from Lakeview stating they were back online, and was greeted with the error " Hmm, something went wrong. Try again later. ". I am still not able to pay my mortgage or reach anyone. | ||||||
| 02/22/2021 | Yes |
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Web | Servicemember |
| My XX/XX/2020 loan payment was drafted from my account on XX/XX/XXXX but Lakeview Loan servicing said they didn't receive it. After getting all of the documentation sent to them and weekly calls starting XX/XX/XXXX, they stopped responding to my inquiries. I called them at the end of XXXX, and I was told that they returned my mortgage payment to my bank in a " bulk check '' which I later was told meant they returned multiple payments without an explanation. Nobody could answer why it was returned, just that the " check was in the mail '' on XX/XX/XXXX. To date my bank has not received the check, and I have not received credit for this payment that I am still out. I had to submit another payment to keep my account from being reported, but I still do not have my money back. | ||||||
| 11/14/2020 | Yes |
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Web | |
| Per the advise from a CFPB representative, I am filing this second complaint for the same unresolved issue. The first complaint was sent XXXX of this year 2020 and Lakeview Loan did respond apologizing for the inexcusable extreme delay promising an expedited process to complete my streamlined refinance ASAP. As stated in my original complaint, we started our streamlined refinance on XX/XX/2020. We even signed a new application with a closing date of XX/XX/XXXX. Today is XX/XX/XXXX and we are now going on 7 months with still no confirmation of a new closing date. Since the Lakeview response, our loan processor guaranteed my wife and I several dates for us to close but each date fell through due to items the loan processor failed to complete further delaying the process. | ||||||
| 06/16/2018 | Yes |
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Web | |
| I was contacted by my mortgage servicing company ( XXXX ) in XX/XX/2017, via a mailed letter, stating I was eligible to request termination of my monthly PMI due to my loan to value reaching 80 %. They stated I would need to submit a written request, which I did in XX/XX/XXXX. I called several times to follow up on the request only to be told they have not yet received my email. They provided me with the same email address I sent the initial request to and told me to re-send the request. Every time I call to follow up on the request they state that they have no record of my request. I feel as if this is a delay tactic to keep me paying PMI. They contacted me, therefore I feel it incumbent upon them to follow through with the removal of PMI from my mortgage payment. | ||||||
| 11/28/2023 | Yes |
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Web | Older American, Servicemember |
| Began to make a mortgage payment online beginning XXXX XX/XX/2023. Unable to log on for several days straight. Finally found out XXXX 's computers are shut down due to an security problem. I called them on XXXX XX/XX/XXXX and obtained this information. They said there is no way to make a payment with the exception of sending the payment through the USPS. I am away from my home area and have no checkbook with me and my bank has no branches here plus USPS takes weeks to deliver mail. N way to pay my monthly payment on time now. The company escalated my issue and promised a call back by XXXX XXXX but didn't call me. I just called them again and was told to not send any payment to them as it most likely will not be processed anyway. I was told to call back next week. | ||||||
| 03/07/2021 | Yes |
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Web | |
| I recently refinanced my home, and the subsequent loan was purchased by Lakeview Loan Servicing , LLC. They use " XXXX '' as a intermediary to electronically service their loans. The company - Lakeview / XXXX, are incredibly unresponsive, and the effort makes it difficult to set up electronic payments or receive any sort of customer service. It should be noted the company allows phone mortgage payments, for a fee of course ( how convenient ). Several phone calls for assistance in setting up my online account resulted in not being able to reach a live person ( I just went through menus and was hung up on - not able to reach a live person or leave a message ). Several emails to customer service have resulted in no follow up, after a period of 5 to 7 business days. | ||||||
| 10/01/2020 | Yes |
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Web | |
| My lender refuses to remove the PMI monthly premium. My outstanding principal is now roughly one half, that is fifty percent, of the loan value at the time of mortgage origination five years ago. The customer service persons on the phone when I call to request they drop the PMI state " we don't do that '' and " you signed an agreement to pay it '' when I originated the mortgage. Each phone call is XXXX $ billed to me on my following month mortgage statement, so I don't call. My current MI is XXXX $ per month. My current principal balance is XXXX on original loan amount XXXX and original appraisal of XXXX. I feel this is a predatory lending practice. Can you help drop this amount, and if possible, can I recover the overpayments since the 80 % ownership was reached? | ||||||
| 02/18/2022 | Yes |
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| In the middle of XXXX we were told by XXXX XXXX that our loan was bought by XXXX XXXX Lakeview Mortgage company. We were told we would receive information within 2 weeks of start of the new contract ( new contract started XX/XX/2022 ) We have gotten no contact from XXXX XXXX Lakeview. or any XXXX XXXX company. I reached out to contact them and was stuck on hold, when i opted for them to call me once my place in line was up i never got a call. I seem to be able to make payments over the phone but have no account information or number. As a first time home buyer my goal was to setup autopay as fast as possible like i did with our previous company ( XXXX XXXX ) While you don't need a loan number over the phone to pay you do to setup autopay which i still don't have. | ||||||
| 06/28/2019 | No |
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Web | Servicemember |
| I have been trying to log into my account at Lakeview Loan Servicing to check my account details and the website is never operable. I was finally able to change my password today ( XX/XX/19 ) and it brought me to the post-login screen, but none of the links work and I can not view my payment history or account details. I can verify my information over the phone but the wait time is over 45 minutes each time I call. They even have a voice message at the beginning of their automated call system that says " If you're having trouble with the website, please wait an hour and then try logging in again. '' Which, incidentally, does not fix the problem. Based on the shabby, 1997-esque aesthetic of the site, I would also assume that it is not secure against cyber threats. | ||||||
| 09/11/2023 | Yes |
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Web | Servicemember |
| In XXXX XXXX XXXX my statement said next payment due was XX/XX/XXXX. I called them to confirm that this was correct and they said yes. I none of my statements every showed anything past due. When I wanted to make a deposit into my escrow they accidenttally processed it as a payment. I had them reverse it, now all of a sudden they claim I am two months past due and need to pay right now. My spouse had to file bankruptcy XXXX years ago and just becaus she was on the deed as a resident they took toal advantage. Now my spouse is ready to discgare here bankruptcy they are coming back for on last pay day. Please do not work with company they operate in a very unprofessional manner, I feel like i need to operate through an attorney at all times when dealing with them. | ||||||
| 05/13/2020 | Yes |
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Web | |
| I have called multiple times and attempted to get escrow amount corrected. I have a homestead on my house that clearly shows the discounted amount, but Lakeview has continued to give me the runaround. I have been calling for two weeks after uploading the documents they requested. After getting off the phone today and told they are still working on it, I received am email ( ref XXXX ) told that they cant adjust until the end of the year. This means they expect me to pay over $ 100 month extra unnecessarily. I am in the middle of a refinance and do not want this affecting me because Lakeview refuses to get account corrected in a timely fashion per FCRA. I have made several attempts to get this resolved so I can make this months payment with nothing happening. | ||||||
| 01/24/2019 | Yes |
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Web | Servicemember |
| My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website, and they also charge me late fees after only a couple days from the XXXX of the month. So, I went from always being current on my mortgage to always being late and charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being sold to a different servicer that implements such terms. This is creating unnecessary financial hardship for me as I have two mortgages that were sold to this servicer. | ||||||
| 04/03/2020 | Yes |
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| Mortgage Servicer : Lakeview Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX My loan # XXXX My wife lost her work as a result of impact of the coronavirus ( COVID-19 ). We have lost a major source of income and will not be able to make the mortgage payment. I contacted the servicer 3 times and they will not offer the federally mandated deferral program coming from the stimulus plan which offers mortgagors assistance with the ability to defer mortgage payments up to 12 months with the ability to add those payments to the end of term. That would be without late fees being added or negative reporting to the credit agencies. They would not provide the deferral and therefore not following law. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX | ||||||
| 01/02/2024 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I paid my mortgage of {$1400.00} charged under title of Lakeview Loan Servicing. The payment was processed by my bank on XX/XX/XXXX. On XX/XX/XXXX I woke up and had another {$1400.00} charge on my account from LAKEVIEW XXXX XXXX XXXX XXXX ( a title Ive never seen before on my Lakeview charges ). I called customer service asking whether this charge was on their accounts and they could not find the account and only stated that maybe the payment was my XXXX payment, which makes no sense as it is XX/XX/XXXX. I then suggested maybe my data was stolen in the data breach that just occurred and they transferred me to the data breach help line and they did nothing to help me get my {$1400.00} back even though they confirmed my data was compromised. | ||||||
| 07/31/2020 | Yes |
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Web | |
| I've been attempting to refinance my house since beginning of this year. After submitting CFPB complaint XXXX due to lack of response on XX/XX/2020, Lakeview referred me to XXXX ( another company under the umbrella company ) for refinance. I was referred on XX/XX/2020. My house STILL is not refinanced and there is no timely updates. Lakeview as a whole including all the subsidiaries seems to have an issue with prompt service and giving consumers the runaround. We are approaching 3 months with nothing done. I'd like the refinance to be complete and/or existing mortgage interest rate to be reduced by Lakeview. The delay has been solely due to Lakeview and it's subsidiaries incompetence, negligence and inefficiency. My goal is to avoid legal action. | ||||||
| 06/09/2021 | Yes |
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| Lakeview Loan Servicing company has been the worst experience of my life. Their website or mobile app rarely works. They advertise to use the online option but does not allow you to make payments. The biggest complaint is that my property taxes were due on XX/XX/2021 and it is not XX/XX/2021 and they still have not been paid and no one can tell me why. The managers and employees appear to be lost as well. Starting feel like this company is one of these companies that will close down, take the money and run. I know that is not how loan servicing works especially by it being a FHA loan. But that is how I feel. This company is terrible and I was not surprised to find out they have a rating of XXXX with the XXXX. I am not sure why the government uses them. | ||||||
| 05/27/2020 | Yes |
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| The mortgage company made an error on the closing documents and added an {$18000.00}. tax loan the previous owners were paying off prior to closing, by adding to my tax 's so the escrow account showed I owed over {$200.00} more per month. I have tried getting it corrected from day one at signing. I was told due to the type of loan it would be corrected shortly after closing. It has been 3 months and I have received many excuses on why it can't be done. I am now being told to continue to pay the extra amount until they do a tax review in XX/XX/2020. That is 9 months since closing and the extra amount is causing a hardship. I have sent several messages to the current mortgage company which it was sold to on XX/XX/XXXX and have not received any responses. | ||||||
| 12/01/2023 | Yes |
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| The Lakeview XXXX site has been down for like a week because of cyber attacks, and hacks. They have left customers in the dark about all this. Today they withdrew the incorrect amount from my bank account and I can not get ahold of anybody at lakeview. The amount doesn't show up in my account on their website, so I have no way of verifying it being legit or not. They changed the website, and accounts so my account stopped working and I had to reset my password. Most of the features on their website relating to accounts isn't working. This has has been a horrible experience. They bought my mortgage about XXXX months ago and has been a source of constant problems since. My loan payment says it's due today, and I can't pay or get this corrected either. | ||||||
| 10/02/2023 | Yes |
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Web | Servicemember |
| Hi my name is XXXX XXXX and I just sold my home in XXXX the loan was with Lake View and I was working with XXXX. I started working with XXXX back in XXXX and he told me that I will have to sell my home in XXXX in order to purchase in XXXX XXXX due to a job change. So I sold my home and applied I met the credit requirements and he denied me for DTI ( debt to income ). He did not even try to assist me but ask for the home disclosure from the sale of my home in XXXX. He flat out lied because I have just closed on a new home XX/XX/2023 with a different lender. If I did not have the mind to apply with a different company I would have been homeless. My issue is they had me to sale my home and did not follow through with my new mortgage at the last minute. | ||||||
| 06/29/2023 | Yes |
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| I have a complaint against XXXX XXXX XXXX on XX/XX/XXXX they sent a processor to my property with a 3 day notice my tenants never received a 30 day notice but the trespassing and harassment of my tenants are unconstitutional, deceptive practices because this company has never made contact with the equity owner to verify equity with unresolved lender Lakeview Loan Service unlawful filings alleging equity in my home there contract is annulled in XXXX I am the guarantor and I am possessing my property and won't allow trespassing and causing harm to my tenants.I ratify my ownership of the below identified deed which is in full force against all other parties and there fraudulent titled number estoppel. I estoppel any further use of my estate and assets. | ||||||
| 11/29/2023 | Yes |
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Web | |
| XXXXLakeview loan servicing is the mortgage administrator for my home loan. I have been trying to pay my XXXX mortgage for over a week. This companies site has been down for almost 2 weeks without any notifications from this loan servicing company. If you go to their site is says page not found. The company has not indicated any waivers of late payments due to their site being down and again no notifications were provided. When you call the company you speak to an " Incident response '' team that will not provide any information or estimated repair times. I do not want to be penalized for something out of my control and again no communications were provided to date! This is no way to conduct business with such important transactions being handled! | ||||||
| 03/20/2018 | Yes |
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| Our Mortgage loan # XXXX was bought out by Lakeview Loan Servicing , LLC inXX/XX/XXXX. XXXX XXXX handled it previously and paid my County Taxes inXX/XX/XXXX My escrow account has been charged twice for that now. {$1600.00} was paid XX/XX/ and {$660.00} was paid in XX/XX/. When the new company ran my new escrow analysis it shows another tax amount due in XX/XX/ of {$1600.00}. This is not due nor paid and caused a huge shortage in my escrow. Which in turn caused me to pay extra every month. I have a ticket number where I sent payment receipts in for taxes and I opened the issue with Lakeview. That is # XXXX. It's now XX/XX/XXXXand I have called more than 10 times. I get the same answer of its being processed and a new date everytime. Please help. | ||||||
| 12/04/2023 | Yes |
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Web | |
| Lakeview is the master servicer for my loan, and subservices it out to LoanCare. They experienced a data breach/cyber security attack almost a month ago, and have provided misinformation and barely any details about what transpired. My contact info is below to identify my loan. I need the following : 1. Assurance that all borrower payments will be backdated to the effective date of the breach to avoid additional interest overcharges. XXXX. Loancare/Lakeview to validate my debt to the CFPB as required and timely 3. Confirm timely payment of property taxes from escrow account without any penalties/interest charged to me as a result of their breach All of these are financial harm against consumers. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | ||||||
| 11/30/2023 | Yes |
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Web | Servicemember |
| Lakeview LoanCare servicing had a system outage for over a week. Called XX/XX/XXXX to change date of loan payment, customer service line down as well as online system. Daily calls and attempts to login online were made for 10 days. Systems continued to be down with no formal letter or email regarding the outage to all loan holders. Now that the system is up I am still having complications logging into my account, have called Custer service today XX/XX/XXXX during business hours twice and have gotten nothing. Message states if you have called during normal business hours we apologize for the inconvenience. This is unprofessional and unacceptable given the nature of paying your mortgage or needing to address technical issues with their service. | ||||||
| 09/25/2023 | Yes |
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| I have been given a notice of sale 14 days prior to the sale and have been railroaded every time I try to ask for help. I haven't been able to talk to the referenced help on letters I've been receiving and the foreclosure proceedings were done 14 months ago and I went through a covid forbearance since then but a different company is now taking my home and did not allow me to apply for loss mitigation! Do to the timing issue. But I didn't even have 30 days notice of the sale! My home will be lost in 2 days and I need help. My mother offered to purchase the home but they said I had to have that completed first which isn't the truth! I've been researching laws regulations and statues and realize my mortgage company is doing me very wrong | ||||||
| 08/11/2020 | Yes |
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Web | |
| My mortgage was transferred from XXXX XXXX to Lakeview Loan Servicing LLC as of XX/XX/2020. Lakeview Loan Servicing LLC has listed my property address incorrectly for a home that I am in no way associated with. I have spoken to XXXX XXXX XXXX XXXX multiple times and they informed me that I will have to obtain a XXXX form from the XXXX XXXX and mail it to them to correct this. I have been to multiple post offices and they have no knowledge of this form. I do not appreciate that XXXX XXXX XXXX XXXX is making me try to fix this problem myself when they are the ones that created the issue. I am extremely worried that i have been paying for the wrong property and my property may be foreclosed on due to payments not being processed for it. | ||||||
| 04/05/2022 | Yes |
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Web | Older American |
| I got a letter from Lakeview Loan Servicing that my account information was hacked when their servers had a breach. I am so tired of these places thinking they can offer you 1 year of credit monitoring just like XXXX! When I called them to complain about it I get put on hold and no one comes back to the phone. They had a data breach in XX/XX/2021 through XXXX XXXX XXXX and I just now get a letter stating my information was stolen. This free credit monitoring is not sufficient! Their failure to have a secure location so that our information can not be breached. I was informed they have all my information and full social security. This kind of behavior can not be tolerated and allowed to toss you a year of free credit monitoring! | ||||||
| 02/17/2023 | Yes |
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| They simply have no way to contact them other than mail. I go to the website and log in. I then navigate to the Contact XXXX section, but that opens a new browser window where I am no longer logged in, and in order to send them a secure message, I have to be logged in. So I tried their XXXX number, but an automated voice says " We are experiencing high call volume, try our call-back service instead '' and then nothing happens. In 2023, the company that bought my mortgage ( I had no say in the matter ) shouldn't be allowed to simply not offer any immediate form of customer service, especially when they advertise both options on their website only to have them non-functional. I'm fed up with being forced to use such a poor company. | ||||||
| 12/16/2015 | Yes |
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Web | Older American |
| My mortgage was sold from XXXX to XXXX Loan Servicing. I called twice this month when my normal payment was not deducted from my checking account. They said they are working on getting the change over completed and I would get a " welcome package '' I did not receive any further information until yesterday when they left me a voice mail telling me to make a payment. Now they want a {$10.00} late fee. XXXX has a phone number that is not answered by humans XXXX or XXXX. I do not know these people. They seem disorganized, poorly managed, and I believe fraudulently collecting additional fees and damaging our credit. This is not what I expect from a company that specializes in loan processing. Can you do anything with these people? | ||||||
| 02/03/2023 | Yes |
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| I have contacted the loan service company about a payment plan and was told they would send papers in the mail my next payment would be XX/XX/XXXX so I sent a check then got a letter saying it wasn't received and that I'm in default so I called to make the payment that I mailed electronically and was denied to make 1 payment and was told I needed to make 2 or I needed to wait until I could make 2 and refused the payment I was trying to make then I was told if I mailed anything it will get sent back to me. I did however mail another check since the fist one was never cashed hoping it will be processed this time. And will be making a payment every 2 weeks till caught up since my paperwork for the payment plan will not be coming. | ||||||
| 10/21/2019 | Yes |
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| My mortgage originated with XXXX XXXX on XX/XX/19- amount {$4300.00}. My first payment was due XX/XX/19- I made a payment of {$500.00} + the obligatory interest of {$18.00}. Within days the mortgage was sold to XXXX XXXX whose servicing company is XXXX. Because of the time period during the transition, my {$500.00} payment has never been recorded, nor has the interest I paid. I have scheduled my 3rd payment to be made at the end of this month and the balance still has not been corrected to even reflect the 2nd payment. I have submitted copies of my checking account and and the payment schedule from XXXX XXXX to no avail. No one gets back to me and this has been going on for 2 months. I need someone to intercede on my behalf. | ||||||
| 10/18/2022 | Yes |
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Web | Older American, Servicemember |
| Lakeview notified me they were transferring my mortgage to a subservicer of Lakeview effective the XXXX of XX/XX/2022. My Lakeview loan ( XXXX ) was reported to the credit reporting agency that I closed the loan. They created a new loan ( XXXX ) at XXXX XXXX the subservicer that has not been reported on my credit report yet. My credit is destroyed my credit score dropped XXXX points in XXXX and I am currently unable to get a loan because of this. XXXX XXXX is the only one that I have been able to contact and they are trying to tell me that this is how the process works. I did not close my loan and open a new one. Please let me know if this is how a transfer is suppose to be done and if they are allowed to trash your credit. | ||||||
| 08/15/2019 | Yes |
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Web | |
| Pursuant to complaint XXXX, Lakeview ( XXXX ) the company assured me on XX/XX/XXXX that my payment history has been corrected and the late payments will be removed from my credit report. As ofXX/XX/XXXX, my credit score shows that the account is no longer delinquent and is current however the reported late payments were never removed from the credit report. I am not sure if the account is current due to the extra payment I reluctantly made to make the account current or if the original problem was actually corrected. After the initial drop of 110 points in my credit score, the newest update has only increased it by 50 and still shows 2 late payments but it should show zero late payments if the company corrected it properly. | ||||||
| 07/31/2020 | Yes |
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Web | |
| In XXXX I started a forbearance agreement with my mortgage company due to my wife 's hours being cut to almost nothing. Her hours have stabilized so I am trying to end it and get my mortgage current. I have been trying to contact the company for a month, but the phone lines just keep sending me through the automated system and they will not respond to an email. I have followed all their directions and yet no one will answer back to help me resolve my forbearance. Because no one will answer me and my forbearance expires today I requested to extend to the federally mandated 180 days to help protect my credit. They still have not approved that yet. They are not in compliance with the CARES act and are making no attempt to be. | ||||||
| 03/09/2018 | Yes |
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Web | |
| My mortgage was sold from XXXX over to Lakeview Loan Servicing and I have received numerous calls from them about refinancing, lowinging my rate for no fee etc. When they first called they said it was just a modification, no fee. Then I get the paperwork and it's tons of fees and it was a refinance and not a rate modification. So I turned them down as they misrepresented themselves. Since then my husband and I have been harassed several time with calls asking us and telling us we need to refinance with them. We have asked nicely to stop calling us, stop emailing etc. THEY WILL NOT STOP! They are worse than a bill collector on crack. Please stop the insanity and tell them to stop calling us. We are tired of the harassment. | ||||||
| 01/29/2021 | Yes |
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Web | |
| I received a Intent to XXXX in the mail about a week ago from my tax commissioner. The mortgage company I have to unfortunately go through is beyond horrible XXXX. I sat on the phone for two hours waiting to talk to somebody. When someone finally picked the phone up I spoke to her for a total of five minutes and she told me to take a picture of the letter and email it to a company email address and she said that they should get back in touch with me. Well its been five days since then and I havent heard anything. Im worried to death that someone is going to take our home, I havent done anything wrong I paid my mortgage on time every single month it was their fault that the taxes werent paid. I dont know what else to do. | ||||||
| 11/27/2023 | Yes |
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| Attempted to access the company website multiple times during the week of XX/XX/23 to view my mortgage loan and make my monthly payment but their website is not working. On XX/XX/23, I attempted to call the company but the phone number is no longer working. As of this e-mail there has been no communication from the company advising of any issues. It is unknown if this company is still in business or what is happening with my mortgage. Also, the company never sent out an Escrow Analysis Statement for this year explaining an increase in my mortgage payment which I know they are legally obligated to do. My payment increase goes into effect on my XX/XX/23 payment but again, no statement received explaining this increase. | ||||||
| 03/05/2021 | Yes |
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Web | |
| I have been trying for the past couple days to pay my mortgage online as I normally do and I can not get into my account. I keep getting an error message that says : " Problem occurred trying to validate the user credentials. Please try again. '' I have even tried several times to change my password and it still does not work. I am not going to pay for any late fees or penalties because this XXXX XXXX can't get there process right. I am due every month on the XXXX and this should not be happening going into my XXXX month. I definitely do not want my credit trash because they can not get it together. My initial steps was to complain to the CFPB. I need this issue resolved immediately or I plan to pursue legal action!!!! | ||||||
| 11/29/2018 | Yes |
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Web | Servicemember |
| Lake view is subservicing for XXXX XXXX. I have a property tax exemption that is on my account with the county assessor. Lake view and XXXX have refused to change the escrow account. They issue refunds once a year but, refuse to refigure the amount due monthly. This month I tried to have the overage of escrow of about {$1800.00} applied to my mortgage for coverage of a payment that was due. They refused to allow me to use the money. I am paying approximately {$160.00} a month too much in escrow and they refuse to recalculate. I had to scream for them to wave the late fee as they transferred the loan to Lakeview and Lakeview processed a payment anyway without authorization. Please refund my {$1800.00} and recalculate. | ||||||
| 10/08/2019 | Yes |
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Web | |
| After putting a complaint with cfpd I received a call 3 days later. They said they will review it. Week late someone from the pmi dpt called me and left a message and gave me a phone number to call them back. I couldnt get a hold of them after multiple tries. Finally I called their customer service dpt and they told me that their decision stands without explanation. I wasnt even given an option on how far I was to have my pmi removed, an option that would allow me to put money toward my balance so I can have it removed. Again all they care about is to make me pay my pmi as long as they can. Bad business. I will not recommend loan care services to anymore base on the way theyve handled my situation. Theyve cared less | ||||||
| 04/03/2018 | Yes |
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Web | |
| There are several issues here : -Lakeview/XXXX made a mistake by only charging me $ XXXXmonth and removing taxes from my payments and not telling me. I set my rental property to my mortgage payments. Had Lakeview/XXXX not made an error and set my monthly payments accurately, I would have set my rent differently. Lakeview/XXXX should be responsible for the shortage. -Taxes Lakeview/XXXX did not pay in 2017 were roughly {$6000.00}. {$6000.00} is the difference they need to make up. How do my payments go from $ XXXX/month to $ XXXX/month? This does not make sense. Again, for the taxes that LakeviewXXXX did not pay in 2017, they should be held responsible as neither I or XXXX XXXX told them to stop paying the taxes. | ||||||
| 05/11/2019 | Yes |
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Web | Servicemember |
| XX/XX/XXXX home insurance company notified me they had not received payment from lender from escrow. Lender, when notified, over paid balance. XX/XX/XXXX lender reassessed escrow and determined I owed more due to a negative balance they created. Worked out payment plan. Renewed insurance. XX/XX/XXXX home insurance company notified me they had not received payment from lender from escrow. Lender claimed billing confusion and said they would also charge me more. Lender claimed there was a negative escrow balance. Insurance claimed that they had just not paid. They finally paid insurance. Lender added hundreds of dollars more to my bill. My mortgage bill has gone from nearly {$1600.00} a month to $ 2400 month to date. | ||||||
| 05/05/2022 | Yes |
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Web | Older American |
| Why when I told my lender/servicing company before I signed their loan modification offer sent to me of XX/XX/XXXX, that I told them I couldn't afford their loan modification payments due to both health issues and affected by XXXX loss of income, they told me I have no other option but to accept their loan modification offer or else I could lose my home. Why did they never mention any other financial assistance option such that The U.S. Treasury first issued guidance for the use of the XXXX funds on XX/XX/XXXX. As an eligible entity that was approved to participate in XXXX, XXXX entered into a Financial Assistance Agreement with Treasury and received 10 % of California 's total allocation amount on XX/XX/XXXX. | ||||||
| 05/19/2021 | Yes |
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Web | |
| My Real estate county property taxes were due in XX/XX/2020. XXXX XXXX states they paid them {$2300.00} from my escrow account. I Received a call in XXXX from the assessor 's office stating they were never paid and now are delinquent.I call my mortgage company and they stated they would take care of it and they said they paid them {$2300.00}. Now the mortgage company is asking me to reimburse my escrow account for {$2500.00} for the shortage in my escrow account or my house payment will increase by {$210.00} per month. I can not afford this and I feel like someone is lying to me about the payment of my taxes and fraudulently taking the extra funds from my escrow account. Please help me so I do not lose my home. | ||||||
| 02/28/2020 | Yes |
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Web | |
| In the spring of XX/XX/2019 we received an extra charge that was put on our monthly mortgage invoice in the amount of {$2600.00}. After Multiple phone call attempts to Lakeview Loan Servicing customer service, someone finally told me the reason the extra charge was added was because of attorney fees related to the sale of our neighbors property. I was confused as to why we would be charged attorney fees when we had nothing to do with the sale of our neighbors property. I called my neighbors attorney to inquire and he confirmed we should not have been charged any sort of fee. He created a letter to state this and I sent it to my mortgage company. It has been almost a year and the fee has still not been reversed. | ||||||
| 03/20/2019 | Yes |
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Web | |
| Trying to remove PMI from my conventional mortgage. My mortgage company took payment for appraisal 2 months ago. They received my payment and took payment instantly. Last month they sent me a letter stating they need more money for appraisal inspection. Paid additional money as request. Already spoke 5-6 times with representatives from mortgage company and every time I get the same answer : " someone will call back ''. Never received a call back. For the past 2 months I have been trying to find out when is appraiser will come out and inspect the property. I called numerous time and not able to get any answers. Keep saying someone will contact you but no one reached out to me for the past 2 months. Please help. | ||||||
| 09/24/2020 | Yes |
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Web | Servicemember |
| I'm filing this complaint against Lakeview Loan Servicing , LLC c/o XXXX XXXX XXXX because their phone system makes it impossible to ever get a live person unless you're actually trying to refinance, in which you will be sent to a loan officer to refinance, otherwise you will be in a continuous loop. Also the sub-service provider does not give you the information nor can you find the information to setup electronic checks to the company, you must use their website. The company has many horrible reviews online, including the fact that they charge you for late fee 's and their systems don't autodraft till they consider you late. They also charge fee 's for online payments in the tune of {$10.00} per transaction. | ||||||
| 08/23/2022 | Yes |
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Web | |
| My mortgage was recently transferred to a company called LakeviewXXXX. XXXX. I received a letter dated XX/XX/XXXX, in the mail today, XX/XX/XXXX, stating my mortgage payment is due XX/XX/XXXX, and that it is late after XX/XX/XXXX. My mortgage payments have never been late, and they have always been automatically deducted from my bank account. My concern is that my mortgage payment is now late because the new mortgage holder failed to seamlessly take over my mortgage, and they negligently failed to notify me timely of actions I might need to take to get the automatic payment taken out properly. I also have an excellent credit score over XXXX, and I will be very upset if this negatively affects my credit score. | ||||||
| 10/16/2020 | Yes |
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Web | |
| Dear Sir/Madam, On XX/XX/XXXX, I made my first mortgage payment on time in the amount of {$2400.00} and also included an additional principal payment of {$45.00}. These initial mortgage payments were made to XXXX XXXX XXXX my initial mortgage provider ). My loan was then transferred to Lakeview Loan Servicing , LLC. My principal balance with Lakeview Loan Servicing does take into consideration this additional payment Lakeview Loan Servicing states my principal balance after the first payment is {$430000.00} XXXX stated my principal balance after the first payment was {$430000.00} I have called both parties and written to them and have been ignored saying the issue can not be fixed. Kindest regards, XXXX | ||||||
| 09/29/2020 | Yes |
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Web | Servicemember |
| After numerous conversations to call my mortgage servicer Lakeview servicing I was told I need to submit a credit dispute to remove mortgage lates on my account. When I went i to forbearance due to covid after seeing a decrease in income, I was told by the customer service rep that my mortgage would not report as late. Unfortunately Ive seen 6 mortgage lates on my credit report. On XX/XX/25 I spoke to an XXXX in credit dispute dept and he confirmed that lates should not be reporting. The mortgage lates have cause my credit score to unfortunately tank into the XXXX. Lakeview has been very slow in their response, lack timely communication, and Ive even been hung up on with no call back to resolve my complaint. | ||||||
| 01/26/2024 | Yes |
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Web | |
| I purchased a home from in XXXX of 2023 through a lender named XXXXXXXX XXXX. However, my Mortgage was sold to Lakeview Mortgage. Apparently, through this process, my information was compromised from a data breach. The company mailed out a letter entailing the incident. Therefore, when I noticed a significant drop on my credited rating, I contacted the mortgage company ( Lakeview Loan Service ). Lakeview loan Services refused to help me resolve my issue. I was transferred to several different operators who refused to address the data breach issues. I demand to speak to a supervisor all they did was give me the run around. No one in their administration office or management contacted about this data breach. | ||||||
| 01/28/2020 | Yes |
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Web | |
| Had a payoff for a mortgage good thru XX/XX/2020, paid it off on XX/XX/2020 with the additional 2 days of per diem interest indicated on the payoff. After receipt of Payoff on XX/XX/2020, LakeView Loan Servicing is charging me foreclosure fees for a mortgage that has never missed a payment ( first customer service person told me I was 2 months behind, FALSE ). When I call them, I waste hours on the phone and NO one knows why they are charging the fee and cant give me a straight answer. I am in the XXXX business, so I am very familiar with the loan process. Lakeview Loan Servicing thinks they can just brush me off and I will go away quietly while they make erroneous charges and no one will pay attention. | ||||||
| 02/11/2020 | Yes |
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Web | |
| Numerous tries to pay a large amount towards principal balance. My last call was today XX/XX/XXXX and after being on hold to speak to supervisor was told to send my payment wire transfer to XXXX XXXX ABA # XXXX A/C # XXXX. I called XXXX XXXX at XXXX and they do not even have my account, the a/c # I gave them they told me was inactive since XXXX. Called Lakeview # XXXX to speak to a loan specialist and they gave me a different number which is not in service # XXXX. XXXX is suppose to be handling my mortgage but supposedly they only take the payments for Lakeview. The number I have for XXXX is XXXX. Can you please help me? I am unable to talk to anyone that knows how I can make a large principal payment. | ||||||
| 10/27/2020 | Yes |
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Web | |
| We refinanced our mortgage loan with a new company and closed out the original loan with an effective date of XX/XX/2020. As part of this transaction, we are owed {$1400.00} from our old escrow account with Lakeview Loan Servicing , LLC Mortgage and serviced by XXXX. Ever since this date, now approaching 60 days. I have been trying to contact them but I have been ignored, hung up upon and/or sent to an " automated service machine '' which is unable to help with my needs. I have also tried to reach them via email which have also proved unsuccessful. At this point, and also based on know tactics from this company according to a quick internet research, I believe this company is proposedly avoiding me. | ||||||
| 08/20/2018 | Yes |
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Web | |
| I encountered significant hardship in the last year : became a single mom ( no child support ), closed two of my businesses, and suffered extreme financial hardship. I applied for loss mitigation over 6 months ago ( immediately when I fell behind my second missed mortgage payment ). With a ton of back and forth, constant follow up, I finally received a letter today that was dated XX/XX/18. Saying I did not quailify. They did not specify a reason, or date of foreclosure. Im desperately trying to save my home for my XXXX year old son and myself, to keep a roof over our head, and I have tried making payments but they have been sent back. They are demanding I pay {$13000.00} in full and I do not have that. | ||||||
| 05/26/2022 | Yes |
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Web | Servicemember |
| Our property taxes for the year were {$970.00}. There was {$4600.00} in escrow. Lakeview ( XXXX XXXX ) claims to have disbursed {$6200.00} to the city and the county, who have not received payment. I subsequently paid {$1000.00} out of pocket per an end of the year tax bill. The city and county tax divisions do not record any other debts paid on the property. Because Lakeview claims to have disbursed {$6200.00}, they now also claim that our escrow account balance is- {$1500.00}, and have increased our monthly payments by {$340.00}. This is a new build home that closed in XXXX. The property taxes did not total $ XXXX for the entire year and were estimated at {$3400.00} at the date of closing. | ||||||
| 06/19/2021 | Yes |
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Web | |
| LAKEVIEW Loan servicing by XXXX has not paid my insurance which is escrowed. I only found out because I got a notice from my homeowner 's insurance company that my policy has expired. I called XXXX and they told me it was my fault because I did not send them the bill. I have never sent the mortgage company a bill EVER in owning multiple properties until this horrible company bought my loan. I uploaded a copy of my insurance to XXXX but they still haven't paid it. I made a payment with my own separate money to my homeowner 's insurance to protect my own interests but I don't know when I will ever get that money back. This company if fraudulent at every chance they get to steal money from consumers. | ||||||
| 04/15/2019 | Yes |
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Web | Servicemember |
| I've been trying to have XXXX back taxes paid my mortgage company for months now. XXXX XXXX is the company. The county reported only taxes for land when the home was built. They sent us a bill of approx.. XXXX dollars for taxes on the structure end of XXXX. I consulted with XXXX XXXX and said to pay them instead of the county directly. They have the money in escrow and I can not for the life of me get them to pay XXXX county. They have sent a garnishment of my pay to my company and have sent me Forclosure letters. They have the money ... Why won't they pay!!! I've talked to 7 different persons at the mortgage company and they had promised last week that this was taken care of. I need your help. | ||||||
| 09/04/2021 | Yes |
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Web | Older American |
| I have a mortgage forbearance with XXXX since XX/XX/XXXX. In XX/XX/XXXX, I contacted XXXX to notify them I wanted to end my forbearance and begin to pay my note. I spoke to them many times and was given different information every time I called. Finally, in XXXX I decided to start mailing payments. They returned my payment. I sent it again. I really felt like they wanted to drag this out as long as they could to increase my indebtedness to them. Then they sent me a promissory note of {$41000.00} which I believe is wrong. The forbearance should have ended XX/XX/XXXX, XXXXTheir behavior was so absurd that I began to think there was some kind of fraud going on here. SEE THE ATTACHED DOCUMENTS | ||||||
| 12/06/2021 | Yes |
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Web | |
| On XX/XX/2021 a Tax Disbursement was made to the incorrect property in the amount of {$2200.00}. After receiving a letter in the mail stating my property taxes were not paid I reached out to LakeView to find out what happened. I was informed that the incorrect taxes were paid. Instead of refunding my escrow the original amount they then pulled another {$1100.00} from the escrow account. I have contacted the company multiple times from XXXX to now XXXX. Those that assist see that its not right and {$2200.00} should be refunded to escrow and thats as far as it goes. I got the same answer from management. Nothing has been refunded to this day. I need the {$2200.00} refunded to my escrow account. | ||||||
| 08/24/2022 | Yes |
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Web | |
| My application with the XXXX XXXX XXXX program was approved. XXXX contacted my lender but were told that we had gone through a Loss Mitigation and that I was no longer delinquent. I let the case worker know that I had not spoken to my lender in a very long time and that we had not done such process. Because I was no longer delinquent, I did not qualify for the assistance through the program. I tried to contact my lender immediately and was unable to get through to speak with an agent. I kept on trying. Two weeks after this incident, I received an envelope in the mail with foreclosure papers. Before applying to the program I made sure that my lender was part of the mortgagees enrolled in it. | ||||||
| 10/30/2019 | Yes |
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Web | |
| Due to lack of communication after filing bankruptcy we got behind on our payment. During the process of catching up we where told different amounts and information during each communication. In XXXX we mailed in the balance due to make our account current and next payment due XX/XX/XXXX. I was told this total during two separate conversations with multiple employees after I was told a different total prior. I also confirmed this total before mailing the payment. Now the company is stating we have over {$1000.00} in fees and charges as of XX/XX/XXXX. Both XXXX and XXXX payments were made on time and in full. There is no explanation as to what these fees and charges are for on our statement. | ||||||
| 08/01/2018 | Yes |
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Web | Older American |
| XXXX, has not credited my XX/XX/XXXX payment. I have sent them numerous " proof of payment '' from my bank.I have never been late with a payment since doing business with them. I did, however short them in XX/XX/XXXX and XX/XX/XXXX because I did not realize they had raised my house payment amount. Which I sent to them in XX/XX/XXXX ( the shortage amount plus a late fee. ) One day they say : not received XX/XX/XXXX payment and sometimes they make it a current like XX/XX/XXXX. NEVER HAVE I MISSED A PAYMENT OR BEEN LATE WITH A PAYMENT! this process has been ongoing since XX/XX/XXXX. The complaint file # they have for me is XXXX. They ask that I use this number when inquiring about this issue. | ||||||
| 09/25/2018 | Yes |
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Web | |
| On XX/XX/XXXX, I paid {$6900.00} for several months of mortgage payments. I was told when I made this payment, that my credit report would report " Paid as Agreed '' and that I was not going to be reflected late. My credit report now shows late. I have contacted the mortgage company numerous times via phone and email and have talked to numerous mortgage employees that verify the mortgage company reported this in error but the mortgage company has not corrected this issue nor have they contacted me. I simply am told " we see this in the notes, this is in error and we will look into correcting it and get back with you ''. I am reaching out to you to see if you can assist me in this matter. | ||||||
| 09/30/2020 | Yes |
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Web | |
| I was put on a forbearance plan until XX/XX/2020. When I tried to make a payment on XX/XX/2020 the representative who took my information told me he was unable to reprocess the payment due to an error on his end and put me on a deferment without my consent. I am in the middle of refinancing my property and the deferment they put me on is stopping me from doing so. Ive reached out to several departments including their loss mitigation department and no one is willing to assist me. I keep getting a run around and being told that someone will call me back, and nobody has called me back. I need to resolve this issue so Im order to refinance and not have to pay penalties or extra points | ||||||
| 10/17/2018 | Yes |
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Web | Older American |
| We XXXX and XXXX XXXX are going through a very difficult time financially. We already had a Chapter XXXX dismissed and do not wish to lose our home. Our ages are XXXX at XXXX and XXXX at XXXX. However, we do have equity in our home and desire to apply for a modification at this time. My email is attached to this request where the financial institution can email a modification application. Once we get started in the modification, we will get into the medical problems we deal with and how this was a big part of our current hardship. Accordingly, we hope that a modification can start immediately and we can prove how we can get current within the negotiated settlement on modification. | ||||||
| 05/05/2021 | Yes |
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Web | |
| I received a letter from Lakeview Loan Servicing in XX/XX/2020 that I had an escrow shortage of {$4800.00} I closed on my property XX/XX/2020, Escrow deposit was made, and all mortgage and escrow payments were made ( 1 late-by 16 days ) After numerous phone attempts was told due to a tax increase. I contacted the town, and told was up to date, and max increase allowed by law is 6 % ( which would be {$1000.00}, not {$4800.00} ) At this point, I sent another certified letter that I would like to pay my own taxes. The response I received was that they could not separate since I have a mortgage payment that was 30 days late. Of, course I have bank documentation of all transfers. | ||||||
| 08/31/2020 | Yes |
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Web | |
| Me and my mother pay for the mortgage, her {$550.00} makes to the company and they count the payment. My payment of {$550.00} however makes it 1-3 days before the due date, they do not count this to the amount owed ( {$970.00} monthly ) and instead says it is extra principle. I now have an extra late fee of {$38.00} that was charged to my account for the last 3 months ( due dates of XX/XX/2020, XX/XX/2020, XX/XX/2020 ) and now my amount owed is XXXX. The last time we contacted them about this the first time it happened they refused to refund 1 of the 2 late fees. Being that this issue is repeating and that they will refuse to refund all but 1 late fee i'm making this complaint. | ||||||
| 11/23/2022 | Yes |
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Web | |
| Hi, I bought my home from XXXX XXXX. Later, they transferred the loan to XXXX ' provider in XX/XX/2021 after 2 months of closing. Do you have any contacts in XXXX to speak regarding an Escalation issue about Private Mortgage Insurance ( PMI )? Please reply to me if you have any contacts. Thank you. Issue : XXXX is saying I need to pay PMI ( {$62.00} per month ) for atleast 2 years as per the Contract now. Then why did they ask me to pay the 78 % mark of loan cost so soon within 6 months of closing my home. I have been cheated. Please help in this issue. Payments : XX/XX/2021 Curtailment {$40000.00} XX/XX/2021 Curtailment {$6100.00} Website : XXXX XXXX Customer Service # XXXX | ||||||
| 09/18/2019 | Yes |
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Web | |
| Lakeview Loan Servicing , LLC ( a.k.a XXXX ) is intentionally holding " extra '' monthly mortgage principal payment and deceptively crediting this " extra '' monthly mortgage principal payment one month later even though Lakeview Loan Servicing ( a.k.a XXXX ) receives this customer payment as one-full payment for a specific month. Lakeview Loan Servicing , LLC ( a.k.a XXXX ) is profiting from this activity because it is intentionally charging additional interest to all of its customers. Lakeview Loan Servicing , LLC ( a.k.a. XXXX ) is violating federal mortgage servicing rules ( i.e. the Mortgage Servicing Rules under the Truth in Lending Act - 12 CFR Part 1026 - Regulation Z ). | ||||||
| 12/05/2018 | Yes |
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Web | |
| I have been struggling with my mortgage company which XXXX is the servicing company and Lakeview is my lender. They gave me hard time to short sale my house with them. As my agent had reported and got the offer to them. They took over 4-8 week to processing each single pieces of information they requested. They also keep changing mind on the offer. The property is never changed pending from XXXX XXXX XXXX ( XXXX ) as I instructed the agent not to do so. However, they never consider anything for my sale and pushing me to foreclose the house. Their information is not corrected at all as I have told them. They never want to help and just want to foreclose my house without any help | ||||||
| 03/14/2020 | Yes |
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Web | Older American, Servicemember |
| For my mortgage statement XX/XX/2020, due XX/XX/2020, my mortgage company sent me a letter stating they didn't receive payment. I had to go to my bank and get verification from them which I faxed to my mortgage company. They then acknowledged payment, but they charged me for a return check fee, and a NSF fee, a total of {$60.00} dollars. I called them on XX/XX/2020, at which time they said I sent it to their block address, and they aren't going to refund the fees. I stated that I sent payment to the address on the preprinted label they sent me. They said they're not returning my fees. They also will not give me an amortization schedule so I can keep up with my payment schedule. | ||||||
| 01/17/2020 | Yes |
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Web | |
| On XX/XX/XXXX I asked for an escrow inquiry I received an email stating that this email address was no longer active so I resubmitted my request via the secured email address given. 8 days later I called. They stated that it was still in process but I should know something by the XXXX if XX/XX/XXXX. I waited 8 more days and called again. Again they stated it was still being processed. I asked to speak to a manager and was b put on hold for more than 30 minutes. I would like some communication to know what the hold up is. I paid out {$800.00} in taxes and there is over {$8000.00} dollars in my account. At the very least i think my payment should be adjusted. I deserve answers. | ||||||
| 01/11/2021 | Yes |
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Web | |
| On XXXX I sent a principal payment only of {$13000.00} to loan care, lakeview loan servicing is the mortgage company. I have this problem every time i send in a principal payment, this is my second complaint to CFPB. The first resolve was to send the payment to a different address and that was to solve the problem, this did not solve the problem as the very next principal payment was split into 2 again {$11000.00} to principal and {$1500.00} for an additional payment although my normal payment was already made.I 've tried to reach out to the mortgage company and they never answer the phone as the recording states they are too busy, this has been going on for over 3 weeks. | ||||||
| 11/25/2023 | Yes |
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Web | |
| Please help us! Lakeview loan servicing/XXXX will not allow us access to our records. They have been stealing my money. Now I am unable to make a mortgage payment because when I call, Im only told that the company can not access my records either. My husband & I, are first time homebuyers. We have never been late even one time However, the company appears to be keeping our money and/or not distributing our money where it is suppose to go. Now I am unable to make any payment at all, because the company ; lakeviewloanservicingXXXX has experienced a security breach and claims that they are unable to access our account also. Please help! How do we pay our mortgage payment? | ||||||
| 03/19/2021 | Yes |
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Web | |
| An escrow refund check in the amount of {$200000.00} was issued and sent to me by my loan service provider, Lakeview Loan Servicing , LLC on XX/XX/XXXX. I never received the check in the mail and notified Lakeview Loan Servicing on XX/XX/XXXX that the refund check was not received and requested for a reissue. I contacted their customer service multiple times. I made at least 7 phone calls to the customer service line and was told each time that the check is in process of being reissued but until today, XX/XX/XXXX I have not yet received it. Every time I call customer service, they keep telling the request for reissue has been submitted and I should receive it shortly. | ||||||
| 04/22/2021 | Yes |
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Web | |
| Last Friday XX/XX/XXXX We issued a bank wire to Lakeview Loan LLC. We looked online payment History XX/XX/XXXX and saw nothing has changed for a month. So we called XXXX XXXX XXXX to get affirmation that the funds had been wired they said yes. So we called Lakeview Loan, and the representative stated that typically it takes 2 weeks to receive and process. So we asked XXXX if he could see on his screen as to whether or not they received it. He said it's not showing up on his screen. Now we're thinking that perhaps we got the wrong address, or Number. So XXXX gave us wiring instructions : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. Acct # XXXX XXXX XXXX # XXXX | ||||||
| 03/16/2021 | Yes |
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Web | |
| I am eligible to have my PMI insurance removed. I tried calling the mortgage company customer service line. No matter what options you choose it eventually brings you back to the beginning of the menu as if you just called in. It has been like this for a while. I tried several times over the course of 5 weeks and it puts you in a loop and you can not get anyone on the phone. I wrote them letters to all addresses I can find for them asking them to remove my PMI Insurance. The PMI Insurance is still on my monthly statement. The name of the company is Lakeview Loan Servicing , LLC. XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX My loan number is XXXX. My name is XXXX XXXX. | ||||||
| 10/06/2023 | Yes |
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Web | Servicemember |
| I have been trying to use the Lakeview Mortgage online system for more than 7 days, for a total of over 11 hours, The system either does not recognize me, or it just locks up, They then start asking for a great deal of personal information, I have been unable to make my mortgage payment, due XXXX XX/XX/2023 because of this, Also, their system keeps running me in circles trying to get to a human and mainly tries to send me ta a number wanting to give me promotional offers, Then need to just have a simple call in number where a person can get actual assistance and not be dragged into a crazy death spiral, When I finally did get to a human, they were not useful at all, | ||||||
| 11/25/2019 | Yes |
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Web | |
| On a weekday between the XXXX and XXXX of XX/XX/2019 my mortgage company attempted to call me to let me know that my account was overdue. I had paid my mortgage payment on XX/XX/XXXX but I had not included {$390.00} in escrow payment because my loan to value currently is below the threshold needed to charge this amount. Since that time the company attempts to call me daily up to 3 times a day to collect a payment for the missing escrow value in an amount higher than {$500.00}. I do not owe them this money ; I have no written agreement or contract with the company ; they are attempting to collect monies not due to them which violates the Debt Collection Act of 1982. | ||||||
| 11/13/2018 | No |
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Web | |
| Sent in my escrow shortage along with the payment coupon that told what the payment was for and they applied it elsewhere. I have called several times over 2 week period and they keep saying they are going to fix it but it has not been fixed yet to display the proper mortgage payment amount. Also in the past I mailed in my mortgage payment and the funds where in my bank account. They said the funds where not in the bank and charged my a NSF fee. My bank didn't even charge me a NSF fee because the funds were there. I even went to my bank to get proof and sent it to them and they still tried to say the funds where not in the bank so they could get a {$30.00} fee. | ||||||
| 11/30/2023 | Yes |
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Web | |
| Ive been calling Lakeview/Loancare since XX/XX/XXXX, I wasnt alerted as the consumer until XX/XX/XXXX that the website is experiencing a cyber attack. I havent been able to reach a representative due to the 5 customer service numbers. Ive been told I wont be charged a late fee and my information wont be reported to the credit bureau. Unfortunately they failed to alert myself of the security attack. Ive been asked for my full social security number and banking information which I feel very uncomfortable about. Since the issue isnt fixed and their negligence is causing massive panic Im filing a complaint. Their professionalism is non existent and unacceptable. | ||||||
| 11/23/2022 | Yes |
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Web | |
| I am in the process of selling my home, closing has been delayed because Lakeview is not providing the Power of Attorney documentation for XXXX XXXX, with Massachusetts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX an Assignment of Mortgage when my loan was transferred to a different servicer. XXXX XXXX XXXX company has been requesting this documentation for over 10 days now and again this has stalled my closing. I am incurring more costs each day and we need the Power of Attorney documentation as soon as possible. My representative with XXXX XXXX is XXXX XXXX XXXX. Please provide the documentation as it should be housed with Massachusetts XXXX XXXX XXXX. | ||||||
| 04/06/2019 | Yes |
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Web | |
| I have tried to contact them on several occasions in the last few weeks and have spent over an hour on hold on the phone, and still have yet to speak to anyone about the escrow acct shortage which they manage, and now they are trying to make me pay for there mismanagement. I never had this problem when XXXX held the loan and had reserve left over when XXXX held the loan and the payment never increased. Now they are trying to increase my mortgage payment to make up the difference that is they're responsibility. If I pay the amount the mortgage payment still increases if I don't pay it goes up almost 100.00 is XXXX. They need to fix this and not at my expense. | ||||||
| 03/15/2016 | Yes |
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Web | |
| Lakeview Loan Servicing sent me a letter via XXXX soliciting me to refinance my mortgage. The letter implies that they have taken over the loan from my current mortgage holder XXXX. I do n't believe this is true. The solicitation via XXXX and the implication that they are now my mortgage holder and therefore can offer me special terms for refinance are misleading. In addition, the offer has a deadline of XXXX/XXXX/XXXX. Why the urgency of a XXXX mailing and a stated deadline if the changes to the FHA Streamline Refinance Program were announced XXXX/XXXX/XXXX? The whole thing - the approach, the offer, the terms - is packaged in a way to confuse and mislead. | ||||||
| 03/25/2021 | Yes |
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Web | |
| I called in and advised to not call my work number XXXX. I continue to get automated calls to this number and i am not delinquent on the loan nor have I ever been. This is harassment!!! I provided a number that can be called however I don't expect calls about my loan unless there are important changes I need to be made aware. I should not be being contacted about payments that are not yet due. Then when getting on the line with a representative that did not identify themselves would not changes or update my information but ended the call! I am getting real tired of these illegal attempts at managing my loan. I am ready to involve an attorney at this point! | ||||||
| 12/29/2023 | Yes |
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Web | |
| Lakeview is only offering a loan modification that changes my interest from XXXX to XXXX and increases my mortgage {$300.00} after covid 2019 forbearance on my FHA loan. They have told me that is my only option other than paying the balance in full. I am being forced into foreclosure. When I applied for my forbearance, I was told one of my options after forbearance ends would be to keep my current monthly payment and add the balance to the end of my loan. They are now refusing to honor that. I even asked them to pull the calls. Per my understanding of HUD XXXX XXXX, they should also offer me a repayment plan without changing my loan terms but they refuse. | ||||||
| 07/19/2021 | Yes |
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Web | Older American |
| I keep getting notices from Lakeview loan servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have left them a number of voice mail messages and returned a number of pieces of mail that they keep sending to my address for a XXXX XXXX who lives at XXXX XXXX XXXX XXXX which is also XXXX XXXX. suspect that this is due to the realator making an error on the listing address of the house XXXX XXXX ended up buying at XXXX XXXX XXXX XXXX. I am concerned that these mortgage documents might be filed on my address incorrectly as my mortage is with XXXX XXXX and i have no idea who Lakeview is other then they don't answer the phone nor do they return phone calls | ||||||
| 06/04/2020 | Yes |
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Web | |
| The problem is with Lakeview Loan Servicing with my escrow account. Lakeview is calculating my taxes for FY XX/XX/XXXX incorrectly and forcing me to place an addition {$200.00} into my escrow account and raising my monthly mortgage payment. My county taxes for XXXX XX/XX/XXXX will be XXXX per the XXXX XXXX Treasurers office. Lakeview says my taxes will be XXXX, a difference of XXXX which more than covers the alleged short fall of the escrow account. My escrow account on XX/XX/XXXX will have a balance of {$910.00}. Leaving my current monthly payment the same with no changes, my escrow account on XX/XX/XXXX will have a balance of {$1200.00}. Thank you. | ||||||
| 02/05/2021 | Yes |
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Web | |
| I entered into a forbearance with LakeView Loan Servicing. I am wanting to end the forebearance and begin making regular payments. I am being told I will have to repay the total amount back in one lump sum. I was told there is a partial claim loan with HUD but Lakeview will not respond to any of my requests. I call several times a week and get put on hold or get disconnected. I have emailed the company with no response. I have asked for my FHA case number but the representatives do not have that access and no one at the company will respond. I have asked to speak with a manager but had no response. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX | ||||||
| 09/11/2017 | Yes |
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Web | |
| I reached out to my loan servicer via telephone on XXXX/XXXX/XXXX re : loan payment deferral to to me and my family being impacted by the recent Hurricane. I was told by the CSR that he could not assist w/ my concern and he would ensure a loan officer contacts me within 48 hours. As of yet, a loan officer has not reached out to me. On XXXX/XXXX/XXXX I reached out to XXXX XXXX via email at : XXXXXXXXXXXX regarding my concern and have yet to receive a response. On XXXX I reached out to Customer support via email at : XXXXXXXXXXXX and received an auto email acknowledgement with a reference/ticket number is XXXX, as of date no response or reply to ticket. | ||||||
| 09/30/2020 | Yes |
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Web | |
| I applied for a loan mod in XX/XX/XXXX2020 and was approved. I made all 4 trial paymbts and my title showed a child support judgemnt that has already been paud in full. I provided Lakeview proof of it being paid in full on XX/XX/XXXX and as of this day they have not cleared the title issue. My credit is being hit hard every month and up to this date I have made 8 trial payments. I have never missed a single payment. I have also sent proof that according to family law the judgemnts remains only until paid. I don't want to lose my home. Title should have already omitted this line to complete my mod. I have escalated many times and not getting anywhere. | ||||||
| 05/31/2017 | Yes |
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Web | |
| I sold my house. During escrow my title company/abstract office failed to send pay off/wir e n XXXX XXXX 2017 to my mortgage company in a timely manner ( 9 days past the closing d ate ) XXXX XXXX , and now my mortgage company maked my credit as 30 day late on my mortgage payment. I have emails from escrow company stating it was their fault due to their negligence and I sent this to my mortgage company on X/XX/17 . Auto email sid wait 5 business days. Its been 10 and I clled today and was told Id receive a phone cLl today. I did not. Meanwhile I have a 30 day late reported to the credit gods. I need a response and correction. | ||||||
| 11/27/2023 | Yes |
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Web | |
| Loan XXXX XXXX Loancare Since last Wed I have been trying to pay my mortgage loan due XX/XX/XXXX. Website and app give error messages. Phone numbers called do not answer ( XXXX and XXXX ). Email response is that they are offline. I have tried everything to contact them, including the holding company XXXX XXXX XXXX XXXX. They also did not respond to emails and no one answers the phone ( XXXX ) I am concerned that if I can not access my loan by due date of XXXX that I will be charged a late fee. I have been paying online since I have had this mortgage and never had an issue before. Please help. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX XXXX XXXX | ||||||
| 01/23/2020 | Yes |
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Web | |
| Our payment for XXXX and XXXX was made on XX/XX/2019. We understand that our XXXX payment was 30 days late, but our XXXX payment was not. I called on XX/XX/2019 and spoke with XXXX ( when asked for a call reference number, I was told they don't provide call reference numbers ). She verified that the XXXX reporting was their error. She instructed me to email their credit reporting department to notify them so it could be corrected. I received a letter, notifying us that the reported information is accurate. I have printed off our payment record directly from the mortgage company showing it was paid on XX/XX/2019. I am attaching that documentation. | ||||||
| 12/19/2023 | Yes |
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Web | Older American |
| The escrow amount being required for the upcoming year was not aligned with the amount of taxes or insurance which will be owed. I asked that the escrow be removed from my account. I was told to pay the current shortage of {$520.00} which I did on XX/XX/2023. The company experienced a data breach which resulted in the website being completely taken down and phone calls were extremely difficult and sometime just not answered. After too many calls to count, the issue is still not resolved. I was told to wait 5 business days which it has been as of today. No resolution has been made and I have not been contacted by anyone from LakeView or XXXX. | ||||||
| 08/29/2022 | Yes |
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Web | Older American, Servicemember |
| XXXX was sold from XXXX XXXX XXXX to Lakeview / XXXX XXXX. Went through forbearance period and was to roll passed due payments into new loan. After 4 months refinance package came and was returned. Lakeview/XXXX XXXX. Called to verify return. They said it was returned late. After talking at least weekly for XXXX months XXXX said to reapply next one said XXXX XXXX mitigation would send another settlement package. I am still waiting and LakeviewXXXX XXXX XXXX is selling it to XXXX XXXX subservicing for Lakeview Loan Servicing , LLC XXXX I am so frustrated with constant run around and the XXXX interest since this nonsensical process was started. | ||||||
| 08/03/2015 | Yes |
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Web | |
| Lakeview loan servicing oversees my FHA loan. At the end of XXXX 2015, I applied to roll my FHA loan into a conventional loan in order to get rid of the mortgage insurance. I have submitted all the materials they requested within 2 days. When they requested additional material, I submitted it within a day. I have not heard from anyone from processing and it has been over 2 months. I have not received my appraisal report even though the appraisal was done over 6 weeks ago and I keep requesting the report. I send emails and leave voice mails, but no one responds to me. I do not know the status of my loan and have not received my appraisal report. | ||||||
| 08/16/2022 | Yes |
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Web | |
| We were in forbearance for 12 months on our mortgage with Lakeview serviced by XXXX, at the end of forbearance did a loan modification placing all past due payments, taxes and insurance in a deferred balance. During that time was approved for HAF mortgage assistance on XX/XX/XXXX. Lakeview received funds and refused to apply them and returned them on XX/XX/XXXX. We have spoken to Lakeview almost daily, they have given several different reasons why they will not apply the funds. Even after Lakeview returned funds they claimed they never received them. They refuse to give us the information on where to have the funds applied to deferred balance. | ||||||
| 06/22/2021 | Yes |
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Web | |
| XXXX XXXX is a servicer of mortgage, I called to try to come out of covi-19 forbearance plan. I have called several times and was told I had been submitted for a work out plan, and Three people told me not to make payments. They call me daily using a robo caller. I answer and no one is there. I call back and I am placed on hold for two hours, I am told that mortgage submitted for workout by three people, one says it wasnt. In the mean time they reported the loan to credit bureaus. I am placed on hold for over 1 hour and 40 minutes to speak to someone. I have been hung up on, I have been trying since XX/XX/XXXX to come out of forbearance plan. | ||||||
| 10/14/2019 | Yes |
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| I XXXX XXXX had set up auto-debit payments to my loan servicer while being enrolled in paperless statements. So, one month they said I did not set up the auto-pay correctly and put a late payment on my credit report. I work very hard to pay all my bills in a timely fashion. When I called my home loan servicer to discuss this problem they claim the error was my fault and refused to help. In any case, I made the payments and caught up after them putting a late payment on my record and also charging me a XXXX late fee. I feel like I got no help, support and proper explanation for this error. Please help me resolve this issue as soon as possible. | ||||||
| 08/21/2020 | Yes |
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| We purchased a house in XX/XX/2019. We have an escrow on our mortgage account despite we put more than 20 % down. Our property tax is {$78.00} a month. Our mortgage company collects {$390.00} a month from us. The money we paid excessively in XX/XX/2019 was not refunded yet. I made an inquiry for escrow analysis, no respond. I told them we are struggling to pay our mortgage because of the pandemic. We lost our second income. Do they have a right to collect excessive amount of property tax from us? Do they use the money all year for their own benefit? We want to receive our excessive escrow ASAP and have them stop collecting escrow from us. | ||||||
| 12/01/2023 | Yes |
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| For 2 weeks consumers who hold loans with lake view loan servicer have not been able to make payments, access accounts, or speak to reps within the company. The company has been hacked and has not reached out to the consumers about the data breach of consumer information. I have not been able to make a payment on my loan for a week already. The company lied to the SEC stating they are communicating with consumers when they are not. This has been going on since mid XXXX of XXXX Other financial institutions have been given communication not to do business with lake view until further notice but yet no one has reached out the the consumers. | ||||||
| 01/13/2021 | Yes |
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| Even though I have been sending, and company acknowledging my receipt of, a loan modification application since XX/XX/XXXX, they just now are saying it was assigned to underwriting on XX/XX/XXXX. Now all 3 of my unpaid months are being reported as late all the time they have been in receipt of my application. No response to ANY emails ... how can a company just ignore people like that? When they " reach out '' to us it's an automated message telling us to call back ... to be on hold for more than an hour just for them to ask for money but no answers to the loan modification. This is the worst loan servicing agency I have ever dealt with. | ||||||
| 10/02/2020 | Yes |
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Web | Servicemember |
| XXXX XXXX company had my original loan for my property in XX/XX/2020. I have been paying them each month up until XX/XX/2020. Lakeview loan servicing notified me XXXX saying they had bought the loan from XXXX XX/XX/2020. Both companies claimed they owned the loan. Finally XX/XX/2020 XXXX said Lakeview owns the loan and will send over all payments they have received. It is now XX/XX/2020, Lakeview still has not received the payments and will be sending collection and report to Credit. I have sent Lakeview documents and statements of my payments to XXXX. This has being going on for over a month and it will affect me negatively Credit wise | ||||||
| 10/21/2021 | Yes |
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Web | Servicemember |
| In or about XXXX 2015 I had lost my job and was unable to make my Mortgage payments, that were roughly $ XXXXFor ten months I wasn't able to pay so I applied for a home retention loan and was approved by ( Housing and Urban Development ) .As I mentioned earlier I fell behind 10 payments.H.U.D agreed to bring my mortgage current which should've been no more than {$18000.00} since the loan was interest free.Lakeview Mortgage Company some how came up with the conclusion that I had to pay over {$62000.00} to satisfy a Partial Loan Claim.I need to know how this number ( {$62000.00} ) was come to.I never signed any documents with that amount. | ||||||
| 02/19/2021 | Yes |
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| I recently got a divorce, and was given the house. For the past month, I have submitted numerous request by phone, by email, and through Lakeview Loan Servicing 's contact page to get someone to contact me in regards to getting my loan modified. I've heard nothing. At this point, I am very frustrated. Per my divorce decree, I only have a certain amount of time to get this process started and we are getting close to not being able to do this. This is getting ridiculous. I just want fill out the paperwork to REMOVE my husband from the loan. What rights as a consumer, and loan borrower do I have? Loan # XXXX Lakeview Loan Servicing Co. | ||||||
| 07/07/2022 | Yes |
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| I am a current homeowner, who closed on my first home XX/XX/XXXX. I was excited. However, in XX/XX/XXXX, I lost my job and was crushed! Since then I have struggled to make payments. I have been in contact with the servicer which is XXXX. However, they have not told me of any assistance to prevent my foreclosure from happening! In addition I have applied for THAF program. However, I am not able to get answer there either on approved status and it's been 30 days already. Can someone please assist me in getting an answer on if I have been approved for assistance and if there is something my servicer can actually do to help me please? | ||||||
| 09/11/2021 | Yes |
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Web | Older American |
| I had a mortgage secured by a first lien on a home I owned in XXXX, Virginia. The loan was service by Lakeview Loan Servicing , LLC. I sold the home and the sale closed on XX/XX/21. The mortgage was paid in full as a result of the sale. The escrow balance associated with the loan was {$6000.00}. I have been in contact with Lakeview Loan Servicing , LLC a number of times since the payoff of the loan, requesting a refund of the escrow balance. I have received repeated assurances that the " check will be mailed to me shortly '', but it has now been 90 days since the loan payoff and I have not received a check for the escrow balance. | ||||||
| 08/16/2023 | Yes |
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| On XX/XX/23 I called and asked for mortgage statement instead I received the amount that I owed instead of requesting information. I did explained that already have financial arrangements for mortgage and really needed form due to deadline for mortgage grant company. I felt racism and trying to kick a hurt person down due to whatever is going on in their daily life. When I was treated that way It made extremely depressed. I didn't need to be reminded I just called for some help during my hard time in life. Lakeview loancare is the ones that sent hardship mortgage grant to me but just didn't seem she was interested in helping me. | ||||||
| 01/29/2021 | Yes |
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Web | |
| Escrow analysis was done incorrectly. Taxes paid in lump sum not semi-annually, which deducted more than it should have from my escrow account creating a negative balance in my escrow and increasing my overall escrow payment. Illegally collecting more money than they should be. Requested a new escrow analysis and was never contacted by the company on any update at all. Just told there is no significant change. Escrow does not jump {$200.00} for no reason. I have attached previous escrow analysis documents to show the error in their payment of the taxes, which resulted in a much more significant shortage than it should have. | ||||||
| 10/23/2017 | Yes |
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Web | Servicemember |
| My loan was purchased by Lakeview Loan Servicing LLC from XXXX mortgage. I was notified XXXX days later that my payment was late ( I had not clue my loan had been purchase ), then XXXX week after that I received notice that I did not have hazard insurance. Bottom line - nothing transferred between lenders as I had auto-payments established with XXXX. My insurance is current on the property XXXX XXXX XXXX. Very concerned my escrow didnt transfer or will be applied appropriately. Lakeview has XXXX ability for online access and their process for validating insurance is broke ( mail instructions with code do not work ). | ||||||
| 08/22/2019 | Yes |
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| I would like to have PMI removed from my mortgage. The lender told me in a letter that, if I want PMI removed, I would have to pay for an appraisal to determine if my LTV has reached 75 % or less. Isn't it true that under the Homeowners Protection Act a homeowner can request cancellation of PMI when the loan balance falls to 80 percent of the original home 's value? Original loan amount = XXXX Original home value = XXXX Current principal Balance = XXXX Estimated current value = XXXX I read that if the homeowner can demonstrate that the LTV is <80 %, PMI can be removed. My LTV ( after an appraisal ) should be 79 % | ||||||
| 04/10/2021 | Yes |
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| I have sent my mortgage company 3 documented inquiries about eliminating the PMI from my monthly payment, as my loan to value is under 80 % now. It has been a month since I sent the first one, and have received no response other than this : " Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from Monday-Friday, XXXX XXXX.- XXXX XXXX Eastern time. We will provide you a response as quickly as possible. Sincerely, Customer Communications Department NMLS ID XXXX '' The mortgage company is Lakeview Loan Servicing , LLC | ||||||
| 01/28/2021 | Yes |
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| In XXXX of XXXX, I requested a forebearance plan, as I am was unsure how our household income was going to be affected by COVID. We did in incur a deferral balance from XX/XX/XXXX to XX/XX/XXXX, wherein the loan was reinstated and normal payments were to resume. I applied for a refinance and attempted to pay the full deferral balance on XX/XX/XXXX. The funds were not applied as I requested and was informed that they would be. As such, we are now at XX/XX/XXXX and my refinance is pending confirmation of a {$0.00} deferral balance. I have been misinformed, mislead, and left out in the dark by Lakeview Loan Servicing. | ||||||
| 02/21/2020 | Yes |
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| We have requested a payoff for XXXX and XXXX XXXX via email on XX/XX/20 and XX/XX/20. We have received no response as of yet. When trying to contact a live specialist to resolve this matter ( multiple times and days since the XX/XX/XXXX ), it goes straight to a message stating that someone will call back within the next business day. No one has called back to address this matter. We are not able to order one through the automated system. We are closing on this file and with no way to get a hold of someone or no response we are going to have to delay. We need a payoff ASAP but there is no recourse for a resolution. | ||||||
| 05/06/2019 | Yes |
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Web | Servicemember |
| our problem has been going on for three months..our loan company has not paid the taxes on our home and they are collecting escrow fees. we are with lakeview loan servicing and called their number only to find out that number is no longer in service. we have been forwared to XXXX and giver a case number of XXXX and have been told that they would contact me within 48 hrs? so far we have had NO contact within one month and have received a letter from XXXX assesors office that as of today XX/XX/XXXX the tax 's were STILL NOT PAID! we just need somebody's help you can reach me XXXX XXXX At XXXX XXXX XXXX Please Help | ||||||
| 08/28/2023 | Yes |
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| I contacted Guaranteed rate on XX/XX/XXXX to get the property taxes taken off my mortgage because I have a 15 year tax abatement. Im being charged XXXX extra dollars a month. I was told after a year the account would be audited and the extra money would be taken off and all the money would be returned to me. The mortgage had been sold to XXXX XXXX and they are telling me they have no paperwork stating that I have a 15 year tax abatement. I then called Guaranteed Rate back and they are saying since the mortgage has been sold they can not help me. Paying a extra XXXX $ a month is putting a financial burden on me. | ||||||
| 11/22/2021 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2021, Lakeview Loan Servicing ( XXXX XXXX XXXX ), without authorization, took {$2000.00} from my Personal Bank account. On XX/XX/2021, the same company took from my bank account the regular authorized monthly payment of {$1500.00}. I discovered the issue on XX/XX/XXXX, and contacted XXXX on XX/XX/2021 so they could refund the unauthorized funds. However they opted to begin an " investigation. '' I spoke to the company last Friday and they instructed me to contact them on XX/XX/XXXX so I could be given the results of their fraud investigation. This is the second time the company has taken this action. | ||||||
| 01/04/2023 | Yes |
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| I was XXXX for XXXX XXXX and came out to my home in foreclosure status, I contacted the FHA resource line and was assigned an agency to help me and I completed all required documentation to get help. 1 month later I get notice my home had been sold. I never received notice of foreclosure only notice of pre foreclosure. I am now distraught and without any resources because they agency that was given to me to mediate said I slipped thru the cracks. Please I'm begging for your help. I have all emails from the agency that was suppose to be helping me. Who when I contacted said we are so sorry contact a lawyer | ||||||
| 07/02/2020 | Yes |
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Web | |
| I paid off the mortgage in its entirety on XX/XX/2020. I got a paid off letter from a lender ( Lakeview ) stating that the account has been paid off and closed. XXXX report does not reflect this although the XXXX 's does. I disputed the situation with XXXX and provided them with a copy of the paid off statement. In both cases XXXX found the info about mortgage account as the correct one. It has been already almost 3 months while XXXX can not obtain the correct information from the lender. I am speechless about their very poor performance and it looks there is no other way than to file this complaint. | ||||||
| 06/30/2020 | Yes |
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| We applied to Lakeview for a 90-day forbearance back in XXXX, when COVID hit, and were approved. I've tried for the last 60 days to extend the forbearance, as they suggested through numerous emails to me and letters in the mail. I've called them three times and get confirmation numbers about my application each time ( here are two : # XXXX and # XXXX ). I've emailed them from their website numerous times. Can't reach an actual human on their phone tree. I have left a voicemail one time. My forbearance runs out XX/XX/. Need help reaching this large mortgage company. My loan number through Lakeview is XXXX | ||||||
| 06/17/2019 | Yes |
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| On XX/XX/2019 we requested payoff of the loan for a home closing. We did not receive the pay off until XX/XX/XXXX. The pay off was dated XX/XX/XXXX meaning there was 10 days of additional interest paid to the loan company. As well, 3 days after the payoff check was received another {$1100.00} mortgage payment was withdrawn from bank account. This is very frustrating that my account information is not updated on the system clearly for the representatives to see. For instance they did not have record of my updated bankruptcy attorney. The process was drawn out and tedious costing me additional money and time. | ||||||
| 05/26/2018 | Yes |
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| Emails dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have been sent to XXXX. Submission of each email has generated 3 separate acknowledgement emails advising that XXXX received my emails and would respond shortly. To date, NO RESPONSE HAS BEEN RECEIVED for ANY of these emails! Multiple calls have been placed to XXXX to follow up. Each time I have been instructed to submit another email. My loan to value has dropped below 80 % and therefore my PMI can be cancelled. Each of these requests to have the PMI cancelled has been ignored! Customer service for this company might as well not exist! There is no service! | ||||||
| 06/19/2018 | Yes |
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Web | |
| My mortgage was sold to a company called Lakeview Loan Servicing LLC. They take out payments for escrow to pay my homeowners insurance and property taxes. Two years in a row they did not pay my property taxes until I received a Notice of Past Due Personal Property Taxes from the XXXX County ( AZ ) Treasurer 's Office. Last year they had to pay a penalty. I am currently on hold with them about this year and have been so for over an hour. They also failed to pay my homeowners insurance until I received a notice of cancellation and called them. Every time I have been assured the problem will not happen again. | ||||||
| 10/18/2022 | Yes |
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| XX/XX/22 I was notified via a XXXX XXXX XXXXXXXX email that my credit application has been accepted. I forwarded the email to their XXXX address. XX/XX/22 I received a text message from XXXX stating that I would receive my credit card in 14 business days. I contacted XXXX and they verified that my identity had been used to own a credit card account. The fraud department has closed the account and opened an investigation. I was notified earlier in the month of XXXX that mine and my husbands identity were found in a data leak from our previous mortgage servicer. I suspect that the 2 incidents are related. | ||||||
| 04/28/2022 | Yes |
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Web | |
| Lakeview loan servicing has force placed a XXXX policy even though I already have XXXX. I've been on the phone with them three times for over a hour. I've even patched my insurance broker in on one call to have them email the insurance docs directly to them. This doesn't seem to ever get resolved. I originally had a escrow account but had to file multiple complaints to get it removed as they were paying my taxes in XXXX. So I have been paying my own taxes and insurance diligently yet this mortgage company keeps harassing me with frivolous charges due to force placed insurance policy which I already have. | ||||||
| 08/25/2022 | Yes |
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Web | Older American |
| Lakeview Mortgage Company transferred my mortgage to XXXX XXXX XXXX for servicing. XXXX XXXX requires that I go to their website and enter all my information for their records. This is inconvenient and a waste of my time because they should automatically get the information from Lakeview. After all, XXXX XXXX purchased the serving contract because they expect to make a profit from the new business. It is unfair to have the consumer use his time to save XXXX XXXX and Lakeview money during the transfer process. It would be fair if XXXX XXXX or Lakeview gave a reasonable $ credit to the mortgagee. | ||||||
| 10/25/2021 | Yes |
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Web | |
| I have been trying to resolve this for approx 1 year, I have missing pymnts that have not been applied to my acct. I have all my notes and dates and times when I have called them. I get NO WHERE.. put on hold and never get back to on many occasions. I have talked to research dept/ escalation's/ I have sent them bank stmnts and transmittals of the transmittals from XXXX XXXX showing the pymnts and dates. Now I can not even make a paymnt to the acct for the past 2 months due to its on a hold with the issue. I need someone to get on this and get it resolved, this Loan service is a joke.. Please advice | ||||||
| 03/24/2021 | Yes |
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| On XX/XX/XXXX approximately we filed for homestead exempt on our property and have not gotten a response from our morgage company again this past year on XX/XX/XXXX i filled for a tax and property evaluation with XXXX XXXX XXXX district and was given a new home value and tax adjustments and have not gotten a response from the morgage company as well i have submitted a complain and said that they can only adjust and take action from the month of XX/XX/XXXX foward not all the back months of XXXX wich i think is unfair due to their lack of responsability and seriousness in the matter of the ir business | ||||||
| 10/04/2021 | Yes |
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| I made a payment on XX/XX/XXXX that was never applied to my account. Since then they are constantly saying I'm a month behind, charging fees etc. I sent them a screenshot of my bank account showing that transaction and they claim that wasn't good enough. I have been calling for months and been told my account was current, it wasn't until three weeks or so ago that someone finally could tell me what the issue was. This has ruined my credit, I'm selling my home and it closes in three weeks, I'm positive if I stay under this mortgage company i will lose my home because they are completely incompetent. | ||||||
| 12/09/2019 | Yes |
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| In XX/XX/2019 we received a statement from this company saying our escrow is {$400.00} short. When I called 5 times to have this situation handled I was put on hold for more then 30 minutes with no questions answered. Then on XX/XX/2019 we received a delinquent notice for {$130.00} from our township saying they havent been paying the taxes corrected. I received zero explanation how my escrow is short but theyre not paying my taxes correctly. I read online theres SEVERAL people going through this same issue with no answers to why their escrows are short and why their taxes are not paid correctly. | ||||||
| 04/30/2022 | Yes |
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Web | |
| Our mortgage was sold XXXX days after we closed which is common practice. We were not notified of our XXXX payment date. We were not provided with a mortgage statement, we did not receive an e-mail, call or any communication. We received a welcome packet, no payment date, stated an estimated payment, but again no due date and it the packet clearly stated not a payment. Our statement arrived in the mail XX/XX/XXXX, dated XX/XX/XXXX, showing XXXX house payments due, XXXX past due. We called, were told we can not be helped, but you can just not make your house payment ... .. {$4600.00}. | ||||||
| 10/14/2019 | Yes |
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Web | |
| HI.They again increased a mortgage monthly payment.I had an increase in XX/XX/XXXX.Now second time.My first mortgage payment was $ XXXX.Now they want $ XXXX.This is {$180.00} more from the begins.This 13 months period when my mortgage increased by $ XXXX.My increased mortgage in XX/XX/XXXX had included new taxes.Now there was not change in taxes and not changes in mortgage insurance but they have increased escrow by $ XXXX.I beg please help me.I trace financial liquidity.PLEASE HELP ME BECAUSE THEY ARE CHEATING ON ME. They did not answer to me previous complaints.Now 15 days pass. XXXX XXXX | ||||||
| 01/27/2018 | Yes |
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Web | |
| The complaint is against XXXX and Lakeview Loan Servicing. They have not properly credited my payments of principal reduction and continue to charge me interest on principal which I have already paid. They are not crediting my payments in a timely manner. See attached : back of check indicates it was received on XX/XX/XXXX, it was not applied to the loan balance until XX/XX/XXXX. They also did not apply my extra payment to principal as requested, but applied it to the payment due on XX/XX/XXXX. See attached letter and payment statement from XXXX. They have not responded to my correspondence. | ||||||
| 11/30/2023 | Yes |
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Web | |
| XXXX a mortgage servicing company under Lakeview Loan Servicing has had its website down for about a month. Its been impossible to get in touch with anyone. I tried to pay my mortgage today but the site was still down. I looked it up and I had to learn through XXXX of all places that they apparently have been hacked this entire time which is why we cant access our accounts. During this entire month none of the companies have sent ANY communication letting their customers know what is happening. This is unacceptable as far as a mortgage company is concerned to leave us in the dark like this. | ||||||
| 09/07/2021 | Yes |
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Web | |
| My insurance company sent a yearly invoice for payment to my mortgage company " Lakeview Loan Servicing '' /XXXX ''. The policy number is XXXX with an expiration date of XX/XX/22. Lakeview still has not paid the invoice, and are indicating that my information is " outdated ''. They have had the same insurance information for years, and my homeowners insurance company has not changed. Why havent they paid this invoice, and why are they pretending like its up to me to update it every year? It is automatic, my insurance company bills Lakeview Loan Servicing. My Lakeview account number is XXXX | ||||||
| 03/24/2021 | Yes |
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Web | |
| Our loan servicing company, Lakeview Loan Servicing, apparently refuses to change the billing address to our current address, the address of the loan, you know, so we can pay the mortgage on time. WTH!!!!!!! I believe this company may be run by criminals, and/or commies. Who else would run a company like this? And I do not care if covid is around or not, this type of disregard for people 's time is ridiculous. I should send the CEO of that company a bill for my time. This company is locked in with XXXX and they get 1 out of 5 stars, so beware, nepotism and cretinism in that org is rampant. | ||||||
| 11/25/2019 | Yes |
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Web | |
| First time home buyer, FHA loan. 1st it took them 6 months to locate my 1st months payment. ( My loan was sold ). Then I receive notice my insurance has not been paid and my XXXX property taxes have defaulted. I've called multiple times. I've emailed multiple times and have not heard anything. So many people have had issues with Lakeview loancare llc and yet consumers are forced to continue to deal with this stress. Please, how do we escape the unprofessionalism, uneducated and un-empathetic company. I'm terrified I will lose my home. Please help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca | ||||||
| 02/16/2021 | Yes |
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Web | Servicemember |
| We are a military family using a VA loan and entered in a Covid forbearance IN GOOD standing. As long as you entered into the Covid forbearance IN GOOD standing XXXX says it will continue to report it as on time. Since entering into the forbearance we since sold the home. Upon selling the home we paid the amount IN FULL to INCLUDE any deffered interest that accrued while in forbearance. HOWEVER, XXXX has reported the status to the credit agencies as paid more tab 120 days late which caused por credit scores to go down over 70 points. Well have find everything we can to make this right. | ||||||
| 09/24/2018 | Yes |
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Web | |
| Lakeview Loan Servicing, by XXXX has been fraudulent with mortgage statements, payments made not being credited. All payments made on time with mortgage but payments rejected. Went to court and judge told them to waive all fees and we paid the amount due and they still applied payments to back fees. They are rejecting my mortgage payments and they continually are seeking foreclosure depsite the fact I have paid my own escrows and have provided them proof, they want me to pay back esrow monies on taxes I have already paid, they only want to take my money and apply to their made up fees. | ||||||
| 12/01/2023 | Yes |
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Web | |
| Lakeview / XXXX website has been down since XXXX XXXX. After announcing their site back online and calling it " enhancements '', the site is slow or unresponsive entirely. Calling their customer service - no operators are available, the calls are just dropped when you attempt to get a person to speak with. Further research shows a major data breach and/or a ransomware attack. They have not been forthcoming on ANYTHING to us as customers, but rather tried to play it off as " website enhancements '' which is downright insulting. Tell your customers what is going on and stop lying. | ||||||
| 05/11/2021 | Yes |
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| XX/XX/2021 Called to inform them that I was refinancing and taxes were due by XX/XX/2021 and needed escrow to pay in order to refinance. XX/XX/2021 follow up and informed them that I couldn't wait and went ahead and paid taxes out of pocket and would need the escrow refunded. XX/XX/2021 refinanced and balance paid off. XX/XX/2021 received a letter informing me that escrow is being processed. XX/XX/2021 alleged day escrow was mailed out by mail XX/XX/2021 filed with XXXX to get assistance 20days after XX/XX/2021 Got a call that payment has been overnighted. Still no information | ||||||
| 05/14/2022 | Yes |
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Web | |
| I have previously filed a complain, which has a record number : XXXX. However, Lakeview XXXX did not carefully investigate and correct errors on my credit report. As the result, there was no change in my credit report. Lakeview XXXX has found out errors and corrected the credit report the Bureau. The correction was made for the month of XX/XX/2021 and XX/XX/2021. Lakeview needs to re-investigate this matter and stated that they did not review my credit report diligently. I am requesting Lakeview to remove all negative marks on my credit report due to its bad practice. Thanks, | ||||||
| 12/15/2018 | Yes |
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Web | |
| On XX/XX/2017, my attorney wrote a letter to Lakeview Loan Servicing , LLC requesting the name of the new creditor/owner of my mortgage loan pursuant to 15 U.S. Code Section 1641 ( g ) ( 1 ) because it was securitized through a Government National Mortgage Association. Lakeview Loan Servicing , LLC owns only the master servicing rights to my loan. XXXX XXXX XXXX XXXX services my loan. Lakeview Loan Servicing , LLC wrote a letter of response onXX/XX/2017, and stated the following below in paragraph four : The note holder for these securities is not known to the public or to us. | ||||||
| 11/28/2023 | Yes |
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Web | |
| I try to pay my mortgage by the XXXX but for XXXX my pay period came after that so I was going to pay and I knew there would be a late fee. My mortgage is with Lakeview Loan Servicing XXXX and according to the reports I've seen they were hit with a cybersecurity attack and many people were affected. The thing is the website has been down for over 2 weeks and the customer service line has no information on our loans! I don't want to be in default of my loan! It's now XX/XX/XXXX and I still can't make a payment. I don't want to have a negative mark on my credit because of this. | ||||||
| 11/15/2021 | Yes |
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Web | |
| This complaint is related to complaint XXXX that was listed as closed but is not closed. I spoke with a representative of XXXX XXXX to discuss that my PMI was not being removed. They very quickly stopped charging me PMI but the lady said i would be getting a refund of approx {$600.00}. I got a check directly from the mortgage insurance organization of {$270.00} but I have not received the rest. I have called the lady back several times and left voicemails and she is no longer returning my calls. I have been chasing up with her for over 2 months now to have no resolution. | ||||||
| 04/08/2021 | Yes |
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Web | Servicemember |
| I had a fire in XX/XX/XXXX. My insurance company sent me the check to fix the damage in XX/XX/XXXX. I mailed the check to the mortgage company Lakeview Loancare in XX/XX/XXXX. It is XX/XX/XXXX and the mortgage company refuses to release my funds to my contractors. They also refuse to put in writing what is necessary for me to do to have those funds released. They refuse to email me what needs to be done to release the funds. When I call them they place me on hold and then hang up the phone. I have asked to speak to a manager and the person says no and hangs up the phone. | ||||||
| 12/01/2023 | Yes |
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Web | |
| lakeview loan servicings website is not functioning properly. When I try to submit a payment it gives me an error message. However I received an email confirmation that my payment was submitted. Ive tried calling them 3 times to verify they received the payment. No one answers the phone and I cant find any other way to contact them on their website. I have not received any notification that they are experiencing problems to their website prior to trying to submit my payment. There is not communication from this company and its impossible to talk to someone that works there. | ||||||
| 12/04/2016 | Yes |
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Web | Servicemember |
| XXXX just took over the servicing of my home loan from XXXX. Previously it was free for me to submit payments by phone or online. XXXX charges a " Special Request Fee '' of {$10.00} for online payment, {$15.00} for pay-by-phone, and {$13.00} for Automated Phone System payment. This will increase my mortgage burden by a minimum of {$3000.00} over the next 25 years. It is free for me to mail them a check, or do automatic withdrawal, but I was previously able to schedule my payment online ... for free, and should be able to continue to do so as my terms should not be affected. | ||||||
| 03/07/2017 | Yes |
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Web | |
| I closed my mortgage with Lakeview Loan Servicing LLC on XX/XX/XXXX. After being paid in full, my escrow balance was {$5300.00} and I have yet to receive those funds more than 2 and a half months later. The first check sent to me bounced and I still have yet to receive a second check as of today, XXXX. Is this company in violation of RESPA guidelines? Am I entitled to compensation of interest or late fees on my money that they are playing with? I would like this complaint to be on file with this company so that this mistreatment and inconvenience to me is documented. | ||||||
| 09/15/2021 | Yes |
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Web | Servicemember |
| Today I received the loss mitigation package for a loan modification. There are several problems. The paperwork that was sent to me was a loan modification claiming my unpaid principal balance is {$190000.00}. This is incorrect. The outstanding principal balance on my last statement was {$170000.00} and the original loan amount was only {$190000.00}. In addition to the principal balance being incorrect, the loss mitigation itself is incorrect. I had not requested a loan modification. I have requested a deferment or VA partial claim to pay back the forbearance amount. | ||||||
| 11/03/2021 | Yes |
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Web | |
| Description : Mortgage closed with XXXX XXXX in XX/XX/2020 then was sold to Lakeview/XXXX. I have an FHA ( principle, interest, taxes, insurance escrowed ). Lakeview/XXXX has failed to pay my homeowners insurance on time causing them to send me a letter of cancellation. The letter does give me the option to pay out of pocket to keep the policy from canceling however I have paid out of pocket w/in my mortgage payment each and every month with the funds sitting in an escrow account. Lakeview/XXXX was instructed last week by goosehead insurance. ( see letter attached ) | ||||||
| 01/27/2021 | Yes |
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Web | |
| We need the payoff. We have been calling since XX/XX/XXXX to obtain a payoff to payoff the 2nd loan # XXXX We received the payoff from them for the 1st and paid that off already. Payoff request emailed XX/XX/XXXX Payoff request emailed XX/XX/XXXX Talked to XXXX they said we should have payoff by XX/XX/XXXX called XXXX on XXXX spooke to XXXX she said i would have the payoff in 5-7 business days. called and spoke to XXXX after 30 minutes got disconnected. called back spoke to XXXX asked for manager in escalation about payoff after 35 minutes got disconnected. | ||||||
| 03/04/2020 | Yes |
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Web | |
| Mortgage payment check was sent to Lakeview Loan Servicing XXXX XX/XX/2020. The check was for {$1600.00}. {$650.00} was for regular loan payment. {$1000.00} extra for principal. Lakeview only applied {$650.00} to our account. They refuse to apply the extra {$1000.00}. We have a copy of canceled check for {$1600.00} which was sent to them 3 times. We keep getting told they are researching it and will be resolved in a couple days. When the couple days pass, we get told the same thing again. We have {$1000.00} out there that has already been taken out of our account. | ||||||
| 11/17/2021 | Yes |
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Web | |
| The company continues to lie claiming that they initiated a request to collect a credit balance on my property tax bill but that request was never initiated. I spoke with a representative from XXXX XXXXXXXX that confirmed no refund request was ever submitted. The company lied and said they had initiated the request when I previously filed a complaint here with CFPB so that complaint was closed. I am filing an additional complaint because this issue has not been resolved. Please let the company know that the next step will be filing a lawsuit in small claims court. | ||||||
| 12/01/2023 | Yes |
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Web | |
| Today, XX/XX/2023, I tried to make a payment for my mortgage through XXXX XXXX. When I tried to make a payment, the website said that there was an error and to submit again. I tried XXXX more times with the same error. A XXXX of XXXX later, I received XXXX e-mails saying that my payment was received. This will cause an overdraft of my bank account. When I tried to call the mortgage service, I tried following every different possible option in their automated system, all of which eventually led to me being told that an agent would not be available to assist me. | ||||||
| 07/16/2021 | Yes |
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Web | |
| I am selling my home on XX/XX/XXXX. My XXXX payment was auto drafted on XXXX ; on XXXX I called to cancel my auto draft so that it would it not draft in XXXX. Well 9 days later XX/XX/XXXX ; I payment was drafted again and it overdrew my acct. I called to ask them to reverse it and they state that it would take 3-5 business days. Well I have bills due tomorrow but now I will not be able to pay them and they are not assisting me for their error. Mind you I called in to cancel with a live person and instead of canceling my auto draft he changes the payment date. | ||||||
| 03/10/2021 | Yes |
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Web | |
| My original loan was sold in 2020 to Lakeview loan servicing XXXX XXXX and the amount of the original loan has changed. I have called to ask why the amount has changed and the previous mortgage company wants to know why as well because it should be lower. XXXX XXXX will only tell me it's a piggy back loan but refuses to furnish any documents pertaining to the additional amounts owed as a second mortgage and hangs up on me or leaves me on hold then hangs up. I would like a detailed explanation of the loan and why has a second mortgage been taken on my behalf. | ||||||
| 04/03/2023 | Yes |
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Web | |
| At first They claim that I was late on my mortgage payments for over a year and half. after multiple contact and request I was finally able to locate and find the right institution to talk to and they failed to informed me of my misapplied payments. Moreover, they advived me that will take care of it right away. Now 45 days later they still haven ' done anything, and they refused to provide us with the proper document showing all my payment and not late payment for me to show my creditors. With that in mind I'missing out a lot of invesment opportunities. | ||||||
| 10/02/2023 | Yes |
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Web | |
| I am working with HUD XXXX, we have attempted to discuss options for an unemployment forbearance, we need time to get over the hardship. They are forcing us to accept a loan modification, they refuse to give us a forbearance, they are setting their own rules. We are seeking a unemployment forbearance, we can not accept a loan modification, this will increase our payment due to the interest rate and they will force us out of our home. XX/XX/2023 seeking forbearance and we were denied, XX/XX/2023 we spoke to XXXX ID # XXXX with the HUD XXXX XXXX XXXX. | ||||||
| 03/01/2021 | Yes |
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Web | Servicemember |
| I have contacted Lakeview Loan on several occasions and have not received an answer regarding my PMI. I am trying to refinance my loan at a lower interest rate and a XXXX mortgage instead of XXXX. My house was just apraised at {$320000.00} and I owe {$120000.00}. Two different times my bank has requested a payoff statement, an additional charge or fee of {$26000.00} has been on it. It's labeled as PMI. No one has been able to tell me why that is on there and no one has taken it off. I have left messages with upper management and no return phone call. | ||||||
| 08/06/2020 | Yes |
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Web | |
| I have been locked out / denied access to my loan information for over 3 months. I can get on the web-page but the " Menu '' Bar has been deactivated. I can not click on the Account to see how my payment was applied, verify Homeowners Insurance has been paid, verify if County Tax has been paid, nor can I access " Account Services ''. I have emailed the mortgage Company many times about this and no resolution has been reached. I have called and still no correction has been made to the web site. Thank you - XXXX XXXX Loan # XXXX Lakeview Loan Servicing | ||||||
| 08/19/2021 | Yes |
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Web | |
| I have my mortgage now with Lakeview. I began a refinance search since the rate is 2.85 %. Lakeview reach out to me after being a customer for about 5 year or more, never making a late payment and paying more then what the monthly statement asked. I've given them all documents needed. My credit score is a XXXX. What was stated to me by XXXX XXXX, Lakeview wanted a break down of two years of overtime XXXX, XXXX & XXXX. The reason XXXX I grossed XXXX and XXXX I grossed XXXX. I advised XXXX your looking at my pay where it shows I made {$40.00} per hour. | ||||||
| 03/31/2021 | Yes |
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Web | |
| I made the monthly payment of {$1400.00} on XX/XX/2021 to satisfy my monthly mortgage due on XX/XX/2021. The amount was taken out from my XXXX Bank account. However, on XX/XX/2021, this mortgage company reversed the payment, claiming that it was " Misapplication Reversal ''. I have been trying to contact with them, but they refused to respond. Furthermore, I am not sure where {$1000.00} payment and reversal came from. I am in fear that they are using this tactic to foreclose my property. This is unconscionable and I hope CFPB would investigate it. | ||||||
| 08/07/2020 | Yes |
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Web | |
| I have attempted to get my mortgage lender to call me about ways to help lower my payment using the FHA streamline refinance, as well as after paying my escrow balance current to do an escrow reanalysis to see if it would lower my escrow payment at all so that my monthly mortgage payment would be more attainable. After several calls to them, and requesting several calls from my lender they do not call me back at all. Their automated system is confusing and convoluted to get an associate on the phone which makes it impossible to even work with them. | ||||||
| 01/16/2023 | Yes |
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Web | |
| XX/XX/2021 Lakeview Loan Services gave us an escrow payout refund of {$3700.00} but had made a mistake. A entire year later without any notification they have been charging us {$450.00} extra every month for 12 months to fix their mistake. This type of error can easily put home owners in foreclosure if they cant pay almost {$500.00} extra per month for a year. Financial errors of this magnitude are financial irresponsible and a form of fraud and dishonest business practice no matter how common it may be. Its a scheme to attempt to repossess homes. | ||||||
| 10/27/2022 | Yes |
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Web | |
| XX/XX/2022 hired a law firm to save my house. I roughly paid them {$9000.00}. When I started seeing my house was going into auction I called them up XX/XX/2022. They told me they checked into it and told me it was not. When I have been paying them every month and they assured me that while paying them that that amount goes to the mortgage company to get this loan modification done. XX/XX/2022 my house was auctioned off. I have till XX/XX/2022 to evacuate from the property. Now my family of XXXX is having issues of finding a place to rent and stay. | ||||||
| 12/19/2022 | Yes |
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Web | |
| I have a mortage with XXXX ( originated via XXXX XXXX XXXX in XX/XX/2021. My loan was for $ XXXX. I put 5 % down on the loan, requiring PMI. I have since paid the mortage down to 79 % of the loan, with a remaining balance of $ XXXX. They refuse to remove the PMI. I read that by law it has to be removed when paid down to 78 % of the loan. They said they will not remove the PMI until my loan balance drops to $ XXXX, which is 63.84 % of the balance. This is against the law. Please help me. Mortgage : LakeView Loan Servicing LLC XXXX XXXX XXXX | ||||||
| 11/07/2019 | Yes |
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Web | |
| HI.I just discovered that my balance, after 14 months of payment is incorrect. I borow {$180000.00} as mortgage.My monthly principal is $ XXXX 14 months this is total $ XXXXDownpayment was 3.5 % =total $ XXXXIf you add $ XXXX $ XXXX= total {$10000.00}. If you subtract {$10000.00} from loan amount this is {$170000.00}, this should be my outstanding balance on XXXX.But my balance on XX/XX/2019 is $ XXXXThis is difference by {$4000.00}. I would like to ask LakeView loan servicing company, what happen to my {$4000.00} in difference. XXXX XXXX | ||||||
| 12/02/2022 | Yes |
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Web | Servicemember |
| Lakeview subserviced by XXXX XXXX we received notification that our loan was sold to Lakeview. Changed our XXXX payment with the new information and electronically mailed a check on XX/XX/XXXX. On the XXXX it was cashed and on the XXXX Lakeview refunded it back into our account. Soon after got a feline notice with a {$60.00} late fee. After contacting them numerous times via phone and email we are getting no resolve to them dropping the late fee and accepting our payment. Now I can't get a real person on the phone before getting hung up on. | ||||||
| 07/12/2023 | Yes |
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Web | Older American |
| We have had disputes with our mortgage servicing company for years. Their misapplied payments and suspense accounts. we went as far as filing a bankruptcy which XXXX assured me they would rescind. XXXX raised our mortgage payment from $ XXXX to $ XXXX while we were in bankruptcy.We are current on our monthly mortgage payments... now they want to just raise out intrest rate to double. They cant stand that we have held our end of any agreements. I need in front of a judge. and a company that can stand up to this craziness. We need help. | ||||||
| 12/08/2021 | Yes |
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Web | |
| I made my regular monthly payment, early and with additional principal- as always. The website applied it wholly as principal- none towards the monthly payment. Ive tried to contact them, the phone number doesnt work. You dial it and it hangs up on you. I emailed them, nothing. Meanwhile they reported it as a late payment and have effectively trashed my credit scorXXXX. If I had an extra {$2000.00} to make a double payment due to their error I would. I need this fixed asap and my credit report corrected. Lakeview loan servicing is terrible. | ||||||
| 12/16/2020 | Yes |
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Web | |
| XX/XX/XXXX ; 2020 I refinanced my mortgage that had been with XXXX loan servicing. On XX/XX/XXXX I called there customer service number XXXX inquiring about my escrow refund. I was told it was in the mail. I have called and spoke with a rep 6 times since then, verified correct mailing address, and I am still being told check is in the mail. I am a XXXX XXXX patient requesting only what is legally mine! I have little doubt that this refund was never put in the mail. I can not even obtain a statement from these people, let alone my refund. | ||||||
| 10/05/2020 | Yes |
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Web | |
| Lakeview services llc has made a negative report during the covid19 pandemic while my account was in forbearance status. During the forbearance status, i did make payment to my accounts. The incorrect report was made on transunion from the month of XX/XX/2020 through XX/XX/2020. I have recently spoke to the representative of lakeview service, they instructed me to perform this complaint. From my understanding, that during the covid19 pandemic, there should be no negative report is to be reported while affect financially during that time. | ||||||
| 08/24/2023 | Yes |
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Web | |
| my home is being unlawfully foreclosed on with fraudulent assignments. This is also a case of dual tracking the mortgage co and i were in conversation about a loan modification. They mail me loan modification package and i submit the complete package instead of working on the modification they sent my loan to XXXX XXXX XXXX FOR FORECLOSURE. THEY WERE SENT A QWR AND THEY HAVE RESPONDED TO MY REQUEST, NOR DID THEY RESPOND TO MY NOTICE OF ERROR OR NOTICE OF DEFAULT WITH THE QWR I ALSO ASKED FOR THE GAP ACCOUNTING AND THEY DIDN'T PROVIDE IT | ||||||
| 10/17/2022 | Yes |
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Web | |
| Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau. | ||||||
| 06/20/2019 | Yes |
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Web | |
| Our mortgage company, Lakeview Loan Servicing , LLC has not been paying the property taxes even though we have been escrowing monthly payment ( {$460.00} ) ever since the inception of the loan. We received notification of tax delinquency in XX/XX/XXXXand reported it right away, following up with faxed documents and phone calls at least six times since. Now the town will be placing a tax lien on our property Monday. Our last mortgage statement shows an escrow balance of over {$4000.00}. We have never been late with a mortgage payment. | ||||||
| 08/06/2019 | Yes |
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Web | |
| I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX GA XXXX. Payment Errors : Your company did not properly credit the payment that I made on [ XX/XX/2019 ] in the amount of {$1600.00}. This payment should have been credited as a monthly payment and not towards the Principle. I have called every month since then and am being told the matter is being " escalated '' and should be resolved within 5 days. We are now in XXXX and it has not been resolved. | ||||||
| 12/01/2023 | Yes |
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Web | Servicemember |
| XXXX/Lakeview Loan Services has been attacked in a ransomware incident. During this time, they have provided no information as to the extent of the information compromised and what if any actions are being taken to mitigate the damage. In addition the replacement website they have created makes no mention of this incident and simply asks that you reenter your bank information. How are we to be assured that this site is a ) not a spoof by the hackers, and b ) any safer than the previous site? The lack of transparency is appalling. | ||||||
| 11/18/2019 | Yes |
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Web | |
| The new servicing company is charging me " pay by phone fees '' when I have never paid by phone. I have contacted them, they didn't respond to me. They responded to you in my last complaint with you XXXX by lying and telling you that I paid by phone, when I haven't. I need someone to help me with this company and getting my unsubstantiated fees, back. I was transferred to the Massachusetts XXXX XXXX by one of your representatives, but they transferred me a couple times to no avail. How does a servicing company get away with this? | ||||||
| 07/09/2020 | Yes |
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Web | |
| I've been attempting to refinance my mortgage for over 5 weeks now and new lender is being delayed due to an escrow closeout not being completed in FHA connection. It has been requested several times and not happened. Per HUD, the escrow closeout is a task that the lender who originated the loan ( i.e. the company whom you closed the loan with ) or the company who services the loan ( i.e. the one you send your mortgage payment to ) need to complete. Per new lender, this is preventing the case number from being transferred. | ||||||
| 02/08/2021 | Yes |
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Web | |
| My mortgage servicer - Lakeview LLC said they made the payment from my escrow account of {$2500.00} for my 1st supplemental tax bill on XX/XX/2020. But that payment never made it to the county of XXXX XXXX. I got a delinquent tax bill from the county and I had to make the payment. However, when I speak to to Lakeview llc they said the county will apply the payment to the 2nd supplemental tax bill. I contacted the county and they said they never received the payment. I need the {$2500.00} back on my escrow or refunded to me. | ||||||
| 08/15/2022 | Yes |
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Web | |
| Wrong credit information was reported to to 3 credit bureaus. Although, 2 complains have been filed and numerous credit dispute with Lakeview LoanCare services, this company still made errors and reported without carefully review diligently. Either irresponsibility of people who reported or just bad human beings have been working for Lakeview LoanCare. The latest error was the loan amount on my account, which was reported as a total balance of more than XXXX millions. My account balance should have been only around XXXX. | ||||||
| 01/21/2022 | Yes |
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Web | |
| On XX/XX/21 Lake View Loan Serving LLC responded to my previous complaint saying that they hold my master servicing rights to my mortgage credit transaction. Ive NEVER gave them consent to contact me or have my information. This is identity theft and they are trying to collect on a alleged debt not owed to them. I have requested them to provide me with the original contract with my Wet Signature on it and have not yet received a response. Its been 30 days now I have to take legal actions. 15usc1692g 15usc1681b 18usc1028A | ||||||
| 06/01/2020 | Yes |
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Web | Servicemember |
| My loan is relatively new loan, refinanced in XX/XX/2019. I have a VA loan with an escrow account that lender is required to pay home owners insurance and property taxes. I received property tax delinquent notice for winter taxes. Lender attributed this to timing of the loan and was not sure who should have paid, either previous lender or current lender. Either way, they did get paid. I have now received another property tax delinquent notice for next round of property taxes due. Lender is Lakeview Loan Servicing LLC. | ||||||
| 12/27/2022 | Yes |
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Web | |
| Lender has marked my account and notified credit agencies with a late payment notice. No payments have been missed or, are missing. I have contacted the lender by phone on two occasions and after a lengthy wait time, I am offered to have someone call me back within 24 hours but never received one. I did notice the monthly amount recently changed by approximately {$50.00} so I updated the payment amount but, payments have NEVER stopped. I have a payment history going back several years that I can furnish if needed. | ||||||
| 11/15/2016 | Yes |
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Web | |
| This is the XXXX year in a row that my mortgage lender has not made adequate payment for our property taxes. We purchased in XXXX 2015 and mid-year, our loan rolled over to Lakeview Loan Servicing, which we later FHA-Streamline re-financed this XXXX. They have been impounding an inadequate amount of property taxes, which I have repeatedly said was incorrect. And now, the XXXX installment was due, and per attached, they have not made payment. In addition, per attached e-mail streams, they remain incredibly unresponsive. | ||||||
| 12/01/2023 | Yes |
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Web | |
| Attempted to pay on my mortgage loan this month of XX/XX/2023 but have not been able to. After further review as to why all areas to my account was not accessible I found out that lake view loan services was down due to XXXXXXXX and continues to be shut down. I was never informed via email to better keep personal information secured. XXXX has a responsibility to its clients to immediately notify them of any security breach. I should have been notified in case our banking information, SS #, or any other PII was leaked. | ||||||
| 11/30/2023 | Yes |
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Web | |
| Lakeviews site has been down and when I contacted them I was told their site was under maintenance, not to mail payment. They could not provide more information and did not disclose that there had been a security breach, which I found out on XXXX. XXXX access is also down. The representative could not provide a direct answer on whether or not there would be late fees if the access wasnt restored before the due date and also made no mention of data at risk. The websites do not provide any information about the breach. | ||||||
| 03/14/2023 | Yes |
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Web | |
| I filed a complaint in XXXX of 2022, and was told through the CFPB that the mortgage servicer had made arrangements to remove my erroneous lien. The mortgage servicer stated in their response to the CFPB that they would need 30 days to remove the lien. I followed up with the CFPB stating that the lien was not removed. Now, 6 months later, it is still not removed. The original CFPB complaint number was XXXX. Please help. It bothers me to see that the complaint was marked closed when the servicer failed to do anything. | ||||||
| 11/22/2017 | Yes |
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Web | |
| 1 - I mailed a payoff request letter on XX/XX/XXXX Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender. 2 - I requested a payoff via the vendor 's email account on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender. 3 - I requested a payoff via the vendor website on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender. | ||||||
| 11/15/2019 | Yes |
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Web | |
| After closing on my mortgage refinance, the new mortgage servicing was transfered from XXXX XXXX XXXX ( XXXX, AZ ) to Lakeview/XXXX XXXX ( XXXX XXXX XXXX, CA ). Unfortunately, Lakeview/XXXX XXXX did not properly review the closing documents, did not pay on time the homeowners insurance ( despite this being clearly disclosed on the hazard insurance endorsement letter ) and did not update my mailing address to correct address ( this was disclosed on the Impound authorization and first payment notification sheet ) | ||||||
| 11/30/2023 | Yes |
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Web | |
| Hello, I have a mortgage loan serviced by Lakeview Loan Servicing , LLC. Lakeview has made it impossible to service my loan or talk to any representative to make a payment as of XX/XX/23. Their website is a complete disaster and will not allow any payments to be processed and their customer service phone number continues to disconnect when calling. Their website has deleted all of my payment account information. I have no way to make a payment on my loan or receive confirmation that payment was made or confirmed. | ||||||
| 01/06/2020 | Yes |
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Web | |
| On XX/XX/XXXX my city and county taxes came due. XXXX XXXX said they sent out both however the city taxes to todays date of XX/XX/XXXX have not been paid. I have notified them twice on their online communications system and have not received a communications back. First and foremost they didn't even send the correct amount on top of all of this they gave me a refund early last year on my escrow when they shouldn't have done so. This company is horrible and should be closed down. They have now cost me {$81.00}. | ||||||
| 06/19/2019 | Yes |
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Web | |
| on XX/XX/2016, my husband and I purchased a home. We put down 20 % and have an FHA loan. We are currently paying {$220.00} PMI. We wanted to have the PMI removed because we now have over 30 % equity in our home. Our loan was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and is now with XXXX XXXX XXXX XXXX. I've requested the removal of this last year with XXXX XXXX but was denied. I don't think that it's fair, that a consumer who has more than 30 % of the equity in a home, have to continue to pay these fees. | ||||||
| 12/06/2019 | Yes |
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Web | |
| I would like to report a fraud on my escrow account.I would like to know whether you CFPB are you able to make decision in this matter or I have to report this issue to the FBI. I am pretty sure that they are taking money from my escrow account which are not shoved on my escrow balance. Now I have terminated and removed my Escrow account for the mortgage. I asked also about remaining balance on escrow account.If they send me check with balance I will know exactly how much money dissapeared from my account. | ||||||
| 10/04/2017 | Yes |
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Web | |
| I have attached a XXXX documents. The customer service department sent me a message XXXX XXXX attached XXXX XXXX XXXX which clearly states : Your loan has been non-escrowed for insurance. However, the company still charged me for insurance from XXXX XXXX XXXX XXXX, see attachment XXXX CFPB XXXX - XXXX, They keep telling me they sent letters. However, their customer service department was negligent by sending me a message the loan would be non - escrowed. I would like my mortgage to be non-escrowed at once. | ||||||
| 06/27/2020 | Yes |
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Web | |
| On XX/XX/2020 i agreed with the XXXX XXXX that they will reduce all my fees, charges to $ XXXX.They have taken into account this {$74.00} on XXXX Statement.I was sure that everything on XXXX statement will ok.But I am wrong.they gave a next fee of {$160.00}. I have no idea for what it is.After 3 months of peace they start again dirty games and try to ripp me off on {$1600.00}. This company is the bigest bull shiit in usa and never should be on the usa market.This is a shame that such XXXX company exsist, | ||||||
| 04/07/2023 | Yes |
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Web | Older American |
| XXXX has admitted in writing that they failed to manage my escrow account by allowing a lower rate flood insurance to expire after taking over a loan in XXXX and not notifying me of any issues until XXXX after the policy had already been cancelled by insurer. I will not pay a higher premium due to XXXX 's negligence in managing this account. They have brazenly threatened to impose financial penalties on my account without acknowledging their system failures which exposes me to unlimited financial risks. | ||||||
| 03/16/2021 | Yes |
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Web | Servicemember |
| I closed on my property in Hawaii but never received the remaining escrow. I contacted the Lakeview Loan Servicing but since I've sold the property have my loan on record. I've provided them with my loan number and the settlement document with their information but they are still unable to find my account. My Loan NoXXXX was deleted after it was paid in full. The remaining escrow was never forwarded to my new address. May I ask how your assistance in claiming my remaining escrow? V/r, XXXX XXXX XXXX | ||||||
| 11/18/2023 | Yes |
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Web | Older American |
| A person called me representing my mortgage company and gave me his name and said he modified my loan and gave me my new mortgage amount he told me to pay at XXXX because I would receive a receipt so I did but then I get a call from my mortgage company saying that had no record of any transaction and no knowledge of the person I spoke with. They didnt even want to know his name or how much I paid him..this happened twice I didnt pay the second time. Both times it came up on my phone as calls from XXXX.. | ||||||
| 02/20/2023 | Yes |
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Web | |
| I have requested that this company cease and desist all communication regarding this invalid debt. No value have been given and this company has no interest in this allegedly debt. I have challenged the identity and citizenship of shadow company XXXX XXXX, XXXX XXXX, Lakeview loan servicing and XXXX XXXX. They have filed illegal documents against me in the civil system and have continuously harassed me by interstate mail. false witness and no equity in this consumer contract that is being investigated. | ||||||
| 05/01/2020 | Yes |
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Web | |
| To Whom it may concern, I have my FHA mortgage with Lakeview/Loan Servicing LLC. Their website and phone message state they will get back to you within 3 days after requesting forbearance due to covid-19. That is a lie. I applied in the past 2 weeks and have heard nothing back. I am unemployed and my mortgage is due and can not pay. They may be in violation of the Cares act. This company has major trust issues. This is not first I or anyone has complained about them Please help! Thank you! XXXX | ||||||
| 12/22/2016 | Yes |
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Web | |
| They said they were given my account from the current mortgage company i use. They offered me a price to refinance my loan then gave me a closing cost detail list which did not make sense. The payoff on XXXX page is different then the total payoff on the loan. He rambled around trying to tell me what they were trying to charge me for. The average person would get screwed unless you know what these guys are trying to pull over to get their XXXX fee. They are dishonest and their numbers do not add up. | ||||||
| 10/01/2016 | Yes |
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Web | |
| We received a XXXX package from Lakeview Loan servicing that states the servicing of our mortgage loan was transferred this past year to Lakeview Loan servicing from our former lender. That is a false statement and deceptive advertising to offer us a refinancing with Lakeview. This sent us into a panic as we never received any notice or documentation from them or our current lender that it was transferred and we had just made our monthly payment to our current lender. See attached documentation. | ||||||
| 03/03/2021 | Yes |
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Web | |
| I received a letter from the IRS requesting my tax information from 2018. I called Lakeview LoanXXXX several times and never got a live person on the phone to assist in getting my annual tax and interest statement. I sent a letter requesting the information to the below address and I received no response. The phone number is automated and if you don't have an active loan you can not get a live person. Lakeview Loan Servicing ATTN : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Virginia XXXX XXXX | ||||||
| 12/27/2020 | Yes |
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Web | |
| Filed ins claim and repairs were made out of my pocket. On XXXX final inspection completed but not updated until XX/XX/XXXX in lakeviews 's system. On XX/XX/XXXX I was promised a supervisor because of the delay, noone ever called me on XX/XX/XXXX I called again and promised a supervisor call, noone ever called me. My insurance check still has not been released. The claim website never gets updated. Today is the XXXX and still no supervisor call or check released They are holding on to my funds. | ||||||
| 12/02/2021 | Yes |
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Web | |
| Having problem paying mortgage due to XXXX. I have reached out multiple times to finance company ( XXXX ) over a 3 week period and hold time exceed 2 hours. Once I finally get someone on the phone I am transferred to another department that does not answer. The phone just rings continually. I asked for a number to XXXX XXXX XXXX and was given a phone number ( XXXX ) and calls goes to voice mailbox that states the mailbox is full. I am in need of immediate assistance and desperately need help. | ||||||
| 09/28/2021 | Yes |
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Web | Older American |
| The LTV on my property gives me more than 20 % equity. The mortgage company is refusing to remove the PMI stating they based their value on the purchase price. They sent me a letter about my payments not being current which is not the case. I am current and have never been late. When I call them I was told that I have to have made substantial improvements to the property in order to have them order an appraisal. I told them I would pay for an appraisal and that was denied. Very frustrated. | ||||||
| 06/10/2019 | Yes |
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Web | Older American |
| My mortgage payment is slowly increasing on a yearly basis and the reasoning is taxes increase and homeowners insurance. The homeowner issue has been resolved but the tax issue has not. I spoke to the tax assessor office and they stated that my taxes had not increased if so it would have only been for {$50.00} and that was last year. My payment started at XXXX, now it is XXXX approx. I have been requested to send yearly checks for shortage as well in the escrow account according to them. | ||||||
| 08/13/2020 | Yes |
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Web | Older American |
| I am writing to request correction of the error described below for property address : XXXX XXXX XXXX XXXX, CA XXXX Payment Error : Lakeview Loan LLC have been over-drawing {$140.00} ( MIP ) from the Escrow account, and somehow I see that we are paid up till XXXX. We currently have a principal balance of {$160000.00}. We borrowed appproximately {$220000.00}, so we are at 71 %. Isn't MIP supposed to be eliminated at 80 %? And how does the co. arrive at {$140.00}? Is there a percentage? | ||||||
| 06/29/2021 | Yes |
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Web | Older American, Servicemember |
| Lakeview Loan Servicing LLC a subservicing by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX. This company owes me the escrow balance in the amount of XXXX. The loan was payed off and recorded as payed off on XX/XX/2020. Over seven months later they have yet released the balance of the escrow money. I have sent inquiries through their on line service with not even a substantive reply. I even ask my congressman to inquire on my behalf. Nothing no reply. The escrow balance is due to me | ||||||
| 05/02/2021 | Yes |
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Web | Older American |
| My home mortgage was bought by Lakeview Loan Servicing. My monthly mortgage payment has increased by nearly {$300.00}. This increase, which has not been explained, is beyond my means to pay. I require a rationale for this unexpected increase & need to work with Lakeview on the payment. They are not accessible by phone or online. Their inaccessibility is has had a major impact on my finances, home ownership and emotional well being. Lakeview needs to be accessible to their customers. | ||||||
| 04/09/2021 | Yes |
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Web | Servicemember |
| My mortgage company has been asked since XXXX to refund escrow overpayments and assess my escrow. Currently they are HOLDING {$13000.00} in escrow. My yearly taxes at {$8000.00}, and my insurance is {$2500.00}. At the VERY least, I should have a {$2000.00} plus refund, and they refuse to complete an eval of my account and process my refund. We have contacted them 7 times, we have waited four months, they acknowledge there is an issue but continue to refuse to rectify the issues. | ||||||
| 11/12/2020 | Yes |
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Web | |
| The loan servicer has failed to pay out of the escrow account money due for annual water and sewage tax. As requested we have scanned and e-mail the bill to the loan servicer on XX/XX/2020. They have failed to make the payment, we have called at least three times to try and get action taken without success. We are now late for this payment. The Company is LakeView Loan Servicing , LLC ( XXXX ) the loan account number is XXXX. The trouble ticket number is XXXX XXXX # XXXX XXXX. | ||||||
| 03/30/2020 | Yes |
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Web | Older American |
| Due to covid-19 i called lake view loan servicing to see if we can get an differed payment agreement or add it at the end of the loan.the refused and state that i have to pay something even when i notified then that i am out of work about 3 weeks and i don't have any income.other mortgage companies giving up to 90 days. i don ' t know what to do.is not my fault what is happening with this pandemic. i have been following instruction to stop the spread of this dangerous virus. | ||||||
| 01/12/2021 | Yes |
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Web | |
| I have been charged a {$40.00} fee every month and when inquired with the company the provide no answer or explanation. I have gotten it was for a late payment in XXXX of 2020. If that is the case it would be paid the first month and then gone off our statement. I have spoken to many employees to no avail. And now they have not returned our calls. I just submitted a written inquiry in regards to it as well. We have now paid 11 months of fees with no explanation of said fees | ||||||
| 04/25/2019 | Yes |
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Web | |
| The lender changed closing dates and times twice and did not communicate with closing company. They cost parties money by doing this. When getting confronted about closing changes they stopped a close date again. At closing the package that was emailed over was full of errors. Thankfully XXXX XXXX were able to find errors and fix. The closing was set for XXXX. By the time the lender sent over correct paperwork it was XXXX XXXX. All parties waited. Completely unprofessional. | ||||||
| 06/30/2016 | Yes |
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Web | |
| I recieved correspondence from a debt collector in whom I am unfamiliar with I asked them to identify themselves and who gave them consent to communicate with me. They appear to be debt collectors which mean they are governed under 15 USC 1692. After placing company under a demand letter and notice of dispute for verification and validation company has failed to respond appropriately and has violated federal law in their continued attempts of the illegal debt collection. | ||||||
| 09/15/2020 | Yes |
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Web | |
| I attempted to pay my mortgage on XX/XX/10 to find that there was no information about it on the XXXX website and it was paid in full. I have attempted to call XXXX 11 times and sent 2 messages asking where my loan was sold to. I am unable to get to a representative and the automated system is not helpful and disconnects me. I have no idea where my loan was sold to and was not notified as required by law. I need assistance to find out where my loan is and how to pay it. | ||||||
| 10/22/2019 | Yes |
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Web | |
| i have a home loan with ( LAKEVIEW LOAN SERVICING LLC ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from lakeview and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. letter hence attached. | ||||||
| 03/22/2019 | Yes |
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Web | Older American |
| Lakeview Loan Servicing is overcharging my mortgage escrow account by hundreds of dollars monthly. For the past few months, I have asked Lakeview Loan Servicing to do an escrow analysis of my mortgage payment and they continually ignore my requests. I have provided all the appropriate information and forms and they have not acknowledged receipt. They continually reply to my emails with a statement that says we will respond within 5 days and they do not respond, ever. | ||||||
| 07/22/2022 | Yes |
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Web | |
| In accordance with the Fair Credit Reporting Act Lakeview ( subserviced by XXXX XXXX XXXX XXXX ) - Account # XXXX, has violated my rights. ~ 15 USC 1681 Section 602 states I have the right to privacy. ~ 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. ~ 15 USC 1666B : A creditor may not treat a payment a payment under and open end consumer credit plan as late for any purpose. | ||||||
| 01/12/2021 | Yes |
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Web | Servicemember |
| I currently have been trying to close out an account with lakeview loan since the XXXX of XXXX. I sent in 3 checks to this bank which were accepted and cashed on XX/XX/XXXX for the full amount. Today is the XX/XX/XXXX and they still say I owe money. Infact on Saturday I was told I owe XXXX and now they say I owe XXXX. How is that even possible. I have spoken almost on a daily basis with no one to assist in this process but a run around. Please someone help fix this. | ||||||
| 07/30/2020 | Yes |
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Web | Servicemember |
| Lakeview Loan Servicing had refused taking payments and did not send monthly statements to the address as requested. On XX/XX/16 a foreclosure was placed on the property. A Chapter XXXX for the arreages was placed in the Chapter XXXX. Also, additional payments was made fro {$710.00} and {$630.00} for almost two years not including the {$7700.00} paid in bankruptcy. The company did respond without with an email but no detail of an investigation of over payment. | ||||||
| 12/27/2023 | Yes |
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Web | |
| At the beginning of XX/XX/2023 I had XXXX payments ( {$600.00} each ) taken out of my checking account from XXXX. They weren't getting back with me so I filed a complaint with the CFPB and they then sent me a check, but it was for {$520.00}, not {$600.00}. I contacted them and they said that they will correct the issue, but I haven't heard back from them since. This is really inconvenient and insulting. I need my {$76.00} back from them. Thank you, XXXX XXXX | ||||||
| 03/07/2023 | Yes |
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Web | |
| On XX/XX/2023 We contacted Lakeview Loan Servicing. We requested a payoff for our house. We contacted them again on XX/XX/2023 requesting payoff. We contacted them a third time on XX/XX/2023. No one has any information for us regarding payoff. Legally how long do they have to provide payoff amount and instructions for payment? At this point I feel like they are not giving us a straight answer. Please provide guidance. Thank you, XXXX and XXXX XXXX XXXX XXXX | ||||||
| 07/14/2022 | Yes |
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Web | |
| I contacted the company for mortgage assistance on or about XX/XX/2022. With no reply, I submitted an online request for it and then uploaded all my documents everything 's complete. And the response from the company that they are 90 days behind at that point I would be losing my mortgage. I worked very hard to never have a late payment on my credit report since I made from mistakes when I'm younger and this is now the first payment that will be marked late. | ||||||
| 08/30/2022 | Yes |
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Web | |
| I requested a copy of my forbearance exit document on XX/XX/XXXX. They claim it was sent on XX/XX/XXXX but my bank did not receive the document. When I called on XX/XX/XXXX they first claimed it was sent to the wrong number. After being transferred to someone else to expedite a copy being resent, the agent then gave a conflicting story saying the report was originally sent correctly. I was given the run around and had to request the documentation to be resent. | ||||||
| 02/03/2022 | Yes |
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Web | Older American |
| Mortgage for XXXX XXXX XXXX XXXX, XXXX XXXX, CA was transfered from XXXX to Lakeview Loan Servicing XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022. The terms of the loan were changed. My previous loan did not have an escrow account. Lakeview is now charging for tax and insurance. I have contacted Lakeview several times via phone and email. They have not responded. The keep sending me harassing voice messages to recover the funds they do not deserve | ||||||
| 05/09/2019 | Yes |
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Web | Servicemember |
| UNPAID ACCOUNT Property Tax Bill The current amount due is {$1400.00}. The probable cause for this delinquency is XXXX XXXX failed to send the full amount due, back in XX/XX/2018. The original amount due was {$1200.00}. XXXX XXXX only sent {$1200.00}, therefor County Tax Collector returned the partial payment and stated they can only accept full payment! As of XX/XX/XXXX, 2 emails, 2 phone calls and still not resolved. Or any communication from XXXX XXXX. | ||||||
| 09/08/2023 | Yes |
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Web | |
| I am trying to pay my mortgage payment bi weekly through the mortgage company, but they do not offer it because then they lose out on interest. So I pay bi weekly through my checking account bill pay on the XXXX and XXXX of every month. They will not apply that amount to the balance due unless I call. I get an email on the XXXX of the month stating my mortgage payment has not been paid because they refuse to apply my bi weekly payments to the due amount. | ||||||
| 07/26/2019 | Yes |
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Web | Servicemember |
| ELDER ABUSE I submitted a request for recast to my existing loan. Despite numerous requests for confirmation the loan servicer today told me that the recast has not been processed. No explanation was provided Service representative stated, as has those I formerly spoke to, that the issue would be escalated to appropriate departments. Meanwhile, my loan payments remain identical to the amount which was based on my previous balance Please see attached | ||||||
| 02/04/2019 | Yes |
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Web | |
| After one year of attempting to resolve my escrow discrepancy with my Mortgage Company it is finally official they are incorrect on their calculations and managing my account correctly. As of today I have received XXXX tax form information from them and all three were different, plus the escrow amount did not equal my escrow end of year analysis. How can so many dollar amounts be off is unclear to me. This truly shows this company needs to be dealt with. | ||||||
| 08/04/2019 | Yes |
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Web | Servicemember |
| I have had trouble with this company shorfalling my escrow account twice now. The first one happened with a shortfall of over XXXX dollars i believe 2yrs ago driving my house payment up. Now ive recieved a notice on my escrow account dated XX/XX/19 that my escrow account is short again by XXXX. Driving my house payment up again from XXXX to XXXX unless i pay the shortfall by XX/XX/19. I cant afford a lump sum like that. Im a XXXX vet on a fixed income | ||||||
| 03/02/2023 | Yes |
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Web | |
| I called on XX/XX/XXXX to drop my PMI insurance as we havent missed one payment and we purchased the in XXXX XXXX for XXXX now the house is worth XXXX and only owe XXXX. We spoke to a representative at lake view and I requested them to drop the pmi he said I would need to pay this for the next 11 years. I told him I will be filing a complaint and requested his name, he informed me he wasnt allowed to give me his name and gave me a ID number of XXXX. | ||||||
| 05/02/2020 | Yes |
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Web | |
| I have reached out to this company via their website twice over the last month and attempted to leave a message at XXXX ( the number listed on their website ). The number never rings and the voicemail is always full. I have talked to several other lenders and they said my loan servicer would be able to process my FHA streamline without the fees they have to charge. That would be awesome to avoid unnecessary fees if this FHA servicer ever replied. | ||||||
| 05/07/2020 | Yes |
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Web | |
| I have repeatedly complained to the company since they bought my loan XX/XX/2019. My chapter XXXX which did not include my mortgage discharged XX/XX/2019 and they will not report my zero missed or late payments each month. They added a prepayment penalty which I do not have. I am short on escrow because they refuse to do an analysis and recalculate the higher yearly property taxes. Thats a short list of issues since they bought my loan last Fall. | ||||||
| 12/01/2023 | Yes |
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Web | |
| Since the XXXXXXXX XXXX XXXXXXXX I have attempted to make my monthly payment online. Website was down and couldnt get anyone on phone. On the XXXX a website was restored ( a different format ) and it would not allow me to pay. Phones are still down. I am now past my 30 days and beyond panicked. They have made it impossible for me to pay my XXXX mortgage. Now I read they were cyber hacked in XXXX & never communicated this to any of their clients! | ||||||
| 03/09/2021 | Yes |
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Web | |
| Lakeview loan servicing had not paid my property tax bill. Which they are responsible for doing. It is past due. And it is holding up my refinance. I have attempted to contact them many times. I've spent hours just getting transferred around in the phone tree without taking to anyone. When I finally some to someone, they or me on hold for a long time and still had no clue how to handle this when they came back. They have left me with no options | ||||||
| 06/07/2019 | Yes |
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Web | Servicemember |
| Simply a lack of communication. I cant get in touch with anyone at Lakeview Loan Servicing. They recently took over my loan. I've called and emailed numerous times to no avail. I've choose the automatic call back option and never received a return call. I have important questions regard my loan and switching insurers. I am now concerned that my house is uninsured because lakeview hasn't got back to me to instruct me how to add the new insurer. | ||||||
| 06/23/2023 | Yes |
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Web | |
| I received a letter from my home Insurance company that the insurance was not paid by the mortgage company and therefore my Insurance was cancelled, XXXX took over the mortgage on XX/XX/XXXX and failed to make a payment before XX/XX/XXXX, My current Insurance company no longer operates in California so they will not renew the insurance, My new insurance will now be XXXX an increase of over XXXX from my previous insurance which was XXXX a year | ||||||
| 10/20/2023 | Yes |
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Web | |
| XX/XX/XXXX I went to pay my mortgage and they sent the charge back stating I did not have enuff. XX/XX/XXXX. The money was back in my account and I went to repay the mortgage. XX/XX/XXXX the mortgage payment was processed. XX/XX/XXXX the mortgage payment was then processed again. I called to have this issue resolved and they said I have to provide proof and wait weeks for my refund. XXXX in 3 days and I have to wait weeks to get half back. | ||||||
| 04/30/2018 | Yes |
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Web | |
| The statement that I received for making my payments has a different names on it. It was XXXX and now its Lakeview. It's my understanding that I should have received a notification from XXXX that the servicer was changing. When I inquired I was told that the original documentation that I received over two years ago had this information on it. That's not acceptable. New notification should have been sent as I understand the regulations. | ||||||
| 03/18/2022 | Yes |
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Web | |
| In XXXX of 2022 we refinanced our mortgage with XXXX XXXX. Our previous mortgage lender lake view loan servicing sent our escrow balance to our previous address and wont correct their error for another 30 days. By that point it will have been 60 days since our loan has been paid off and that does not include the time it will take for the check to arrive. I have called them to correct this however, they refuse to resolve it any sooner. | ||||||
| 04/14/2018 | Yes |
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Web | |
| I am having two issues with this company. One is that I accidentally paid my property taxes when they are supposed to so the city has advised they will issue a refund to the mortgage company. I asked my mortgage company for a refund. No response. My second issue is that I have requested, in writing, for them to remove my pmi charges from my mortgage. I got an email that theyll address within 5 business days. No response since then. | ||||||
| 12/01/2020 | Yes |
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Web | |
| I am currently in the process of a refinance. My attorney 's office has tried multiple times to contact my Mortgage servicer for the pay off amount and has not heard back. They are not being responsive and therefore holding up the process. From my attorney 's office : " Ive faxed and called twice and was told I would have it last week. I attempted to call yesterday, again, but was on hold for quite sometime and had to hang up '' | ||||||
| 03/22/2021 | Yes |
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Web | |
| I have been trying to reach out to lakeview XXXX regarding my escrow issue, they are requesting over XXXX to paid and if not theyll roll it over to my monthly mortgage payment. I have tried unsuccessfully to go over this with someone. I really dont know what else to do at this point. They said my escrow was short by {$1800.00} but they are asking an additional {$2400.00} on top of that. I can not speak to anyone about this! Thanks. | ||||||
| 09/26/2022 | Yes |
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Web | |
| On XX/XX/2022 I received letter from city treasurer stating that property taxes have not been paid for the year on my home. I called loan company and gave information and copy of letter to address it. Also contact city treasurer office where inform again they have not made payments. So I looked on line for my mortgage account and notice they have wrong address for my home. As of today no one has contacted me issue been resolved. | ||||||
| 04/28/2022 | Yes |
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Web | |
| In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. | ||||||
| 08/03/2017 | Yes |
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Web | |
| The company, XXXX or XXXXXXXX XXXX XXXX holds my mortgage. They forced Homeowner 's Insurance on my mortgage. I have supplied them with the documents over 5 times. They will not call me or provide a resolution. I have to call them in order to get a response. When I call them, they tell me we are processing your documents and will call you back. Again, they never call back and now I am stuck with a balloon payment of {$1900.00} | ||||||
| 11/26/2023 | Yes |
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Web | |
| In XX/XX/2023 our loan was sold to Lakeview Loan care. Once they took over they raised our bill {$500.00} saying it was an escrow and insurance issue. I just don't understand how they can legally do this. Our loan was set to the amount we could afford not this!!! We went and looked at their reviews and XXXX of their customers said they did the same thing to them. I feel like we are all getting scammed. Please look into this. | ||||||
| 05/29/2020 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX our mortgage was paid in full due to a refinance. In XX/XX/XXXX Loancare ( Lakeview Loan Services ) reported a 30 days delinquency for XX/XX/XXXX, XXXX has not corrected my XXXX and subsequently reported another 30 day delinquency for XX/XX/XXXX despite my account being closed and paid in full with never being late and XXXX claiming the issue is corrected. I am on the verge of losing a real estate transaction. | ||||||
| 06/29/2023 | Yes |
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Web | |
| Company claims missed payments were made based on inaccurate account number because I " added XXXX XXXX '' to the beginning of my external account number, meanwhile the company has an antiquated online payment system and there is no logical reason why I would pad my account number with XXXX. Even still, because of " company policy '', only after I submitted a complaint I'm not forced to make XXXX XXXX money order payments, | ||||||
| 01/14/2021 | Yes |
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Web | |
| Our property taxes have STILL not been paid out by our escrow despite a previous complaint that I filed in XX/XX/XXXX. They took money out of our account and paid to the wrong tax parcel ID. I spoke to them about this over the phone and they told me on Monday that it was fixed however we still have a pending bill with our county showing we still owe. I need this rectified as soon as possible as taxes are due XX/XX/XXXX. | ||||||
| 03/09/2018 | Yes |
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Web | |
| Im trying to contact them. I used the automated service when it says to hit # 5 for customer service it goes right back to the main menu. It doesnt allow me to go through to customer service. They raised my payment on my escrowaccount and trying to resolve this matter. Im getting extremely frustrated that I cant contact anyone on this matter. Ive called them 4 times in one week. Waited on the phone for 35 mins .... | ||||||
| 03/10/2023 | Yes |
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Web | |
| In accordance with the fair credit reporting act XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. | ||||||
| 05/11/2021 | Yes |
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Web | Older American, Servicemember |
| My mtg. escrow had an overage of XXXX, which was suppose to be mailed out on XX/XX/2021. As of XX/XX/2021 I have not received the check. I have talk to the Loan care several times. They said I had to wait 30 days before they can reissue the check. But they never mailed it because I have received two bills, and two other letters form them since XX/XX/XXXX. I want my check they are holding from my overage in escrow. | ||||||
| 07/27/2023 | Yes |
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Web | |
| During Covid my house hold was down to one income which was mine. I then requested a forbearance plan and was granted that for up to 2 years but at the time of the expiration of the forbearance plan I hit a financial snag due to me being involved in my company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then was out of work for a short while but when started another job unfortunately that job after was paying enough. | ||||||
| 08/16/2023 | Yes |
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Web | |
| I ended up with a loan care mortgage end of XXXX which was being serviced by Lakeview Loan Service. For my first payment with Lakeview, I setup my account online and also called them to pay my mortgage. Both transactions were successful and I had funds in my account. For some reason the transactions were both reversed. They reported me as late which took my credit rating down XXXX. I would like that fixed asap. | ||||||
| 11/27/2023 | Yes |
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Web | |
| We are currently paying our VA mortgage loan through Lakeview Loancare, and the website has been down since last Wednesday or Thursday. There is talk among clients that their financial bureau, XXXX, had been breached, but we have received no alerts, updates, or news regarding this information. I can not get through to Lakeview to inquire about anything since websites are down and phones are not being answered. | ||||||
| 02/01/2023 | Yes |
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Web | |
| I were depressed after my father was passes away from XXXX 2020, the first wave of XXXX with no vaccine. I was really frighten and depressed. I left my job, because the environment is a high volume. After taking a year break of everything, it was hard for me to get a job to fit with my environment. My house mortgage went up so high, at least {$600.00} more. I tired to apply loan modification, and I got denied. | ||||||
| 01/15/2020 | Yes |
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Web | |
| I originally logged a ticket with the CFPB against LakeView Loan Servicing LLC. on XX/XX/2019 with the CFPB. On XX/XX/2019 the " resolution '' was to refund the amount due to me and sent via mail. After speaking to a representative shortly after they said I would receive a check within 6-8 weeks. It is now 20 weeks past when this was " resolved '' and have not received a check or any response from the company. | ||||||
| 11/29/2023 | Yes |
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Web | |
| I have been trying to make a payment on my mortgage but everytime I try to log onto my account it wont let me. Everytime Ive tried calling it tells me that there is no one to assist me due to the fact they cant get into anyones accounts. I have been trying for over a week now. I also just found out that there is a lawsuit for there system being hacked and wasnt informed led that my information maybe breached | ||||||
| 10/05/2023 | Yes |
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Web | |
| I have tried to reach Lakeview or XXXX or XXXX, whatever their name is. Hold times are beyond unacceptable and they have not taken the steps promised by their agent on XX/XX/XXXX. This entire mortgage was setup so that a large pricipal payment could be made shortly after closing. Lakeview is simply unresponsive and unable to be reached. My first non-professional experience with Lakeview is disappointing. | ||||||
| 10/03/2023 | Yes |
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Web | Servicemember |
| Lakeview Loan XXXX is not processing my payments in a timely manner. My bank, XXXX. sent a payment on XX/XX/XXXX for a XX/XX/XXXX payment and it was not processed until XX/XX/XXXX. My bank, XXXX, sent a payment on XX/XX/XXXX for a XX/XX/XXXX payment and it has yet to be processed. I work hard to submit my payments in a timely manner and the company is not processing my payment in a timely manner. | ||||||
| 03/12/2021 | Yes |
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Web | Older American |
| I submitted a complaint against Lakeview Loan Servicing on XX/XX/2021. I just reviewed your status report that stated the matter was closed because the " company responded ''. However, the company has not responded to me nor have you provided anything concerning the matter. Please reinstate this complaint until the company responds to the consumer and satisfies the consumer demands. Thank you, XXXX XXXX | ||||||
| 04/19/2018 | Yes |
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Web | |
| Since the beginning of 2018 I have been trying to contact XXXX to have my account credentials reset. It appears they have updated their systems and my account credentials no longer work. I simply just want to get access to my statements online, however after 3 months of calling and emailing, they are still unable to action this simple request to provide me access to the information on my loan accounts. | ||||||
| 11/27/2023 | Yes |
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Web | |
| I have been trying to contact Lakeview Loancare for a week now. The phones are down and the website hasnt been working. I cant check my account or even make a mortgage payment for this reason. No sort of contact has been made with lakeview. Ive read discussion boards and other customers are having the same problems I am having and its ridiculous. Im blind on amounts and transactions within my mortgage | ||||||
| 09/02/2020 | Yes |
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Web | |
| The company provides a phone number XXXX. Unable to connect to a live human being to get an address updated on my statement. The statement reflects the incorrect property addresss with the mortgage. The phone number is an endless phone tree that does not allow me to connect with someone to fix this problem. This is a faulty process that does not allow customers to adequately get their loan services. | ||||||
| 08/30/2019 | Yes |
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Web | |
| I have requested the PMI be removed from my mortgage due to the fact that I have over 31 % equity in the property and have for well over 6 months. My written request for cancellation of the PMI along with proof that I now have equity far in excess of the requirements to drop PMI have been acknowledged yet denied by the loan servicer. Lakeview Loan Service is refusing to cancel the PMI from my loan. | ||||||
| 11/29/2023 | Yes |
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Web | |
| On XXXX XXXX XXXX I tried to log onto my XXXX XXXX morgage site to make my monthly payment like I have done every month. Keep getting a message something went wrong please try again later. I called the morgage company personally and let them know my payment is due and can not make a payment the lady on the phone said everything is down we can not access your account I will make a note u called. | ||||||
| 04/30/2021 | Yes |
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Web | |
| I make my monthly payment by check and Priority Mall it to the company, Lakeview Loan Servicing. I mailed my XXXX payment on XX/XX/XXXX for {$970.00} and they are saying they have not received it yet. Now they are charging me a late fee of {$26.00}. Is it possible they are holding the check and not cashing it in order to collect a late fee? Can you check this out. I don't trust this company. | ||||||
| 09/03/2023 | Yes |
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Web | |
| XXXX XXXX sent me a statement that my mortgage was going from XXXX to XXXX due to my escrow being short XXXX ( my loan payment per the contact is XXXX ) they have already collect that amount and still want XXXX and will not return my payment to normal which is the original letter they sent me stated. They are being unethical and i just want them collect my money and return my payment to normal | ||||||
| 03/03/2020 | Yes |
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Web | |
| My tax bill for my home was due XX/XX/XXXX Lakeview has not paid the bill and has an excuse every time I call. They tell me it will get paid, I have been calling since XXXX when I noticed it wasnt paid. I went and obtained another copy of the bill for them. My escrow has thousands of extra dollars in it because they have not paid the bill. I have called weekly about this issue an no resolution. | ||||||
| 02/01/2021 | Yes |
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Web | |
| Lakeview Loan Servicing , LLC has granted covid relief and granted deferments. During this time frame they have also reported lates to the credit reporting agencies. I have made several disputes and this remains unchanged. If the business has agreed to offer extensions and no minimum payment is due, why are they reporting lates? I have 3 letters stating that during this time no payment is due. | ||||||
| 12/15/2023 | Yes |
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Web | |
| There have been 5 escrow analysis done on my account without informing me. There was a payment made from Texas HAF in XX/XX/2023 and the money was not distributed correctly and it still has not been resolved. My mortgage payments are not going towards my principal/interest/escrow consistently and instead, payments have been made towards my 2nd loan ( down payment assistance ) on my FHA loan. | ||||||
| 08/12/2020 | Yes |
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Web | |
| Lakeview Loan LLC # XXXX Lakeview Loan did not properly credit the subsequent payment that I made on XXXX in the amount of {$9900.00}. This payment should have been credited to Principal Only/ Curtailment. I did what they asked me to do, which was to write in the memo " Principal/ Curtailment. I even Yellow Hot lined it. I've needed to contact them several times over the past 3 months | ||||||
| 04/20/2021 | Yes |
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Web | Servicemember |
| Lakeview Loan Servicing LLC continues to contact me for payment while I am on a forbearance. They mailed me correspondence stating I was behind and had not paid my Mortage as required, while on a forbearance. I repeatedly receive automated calls to contact their company. I was told by the customers service representative that they could call during my forbearance and demand payment. | ||||||
| 01/01/2024 | Yes |
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Web | |
| I am a customer of XXXXXXXX XXXX or XXXX Since my time with them, Ive experienced XXXX data breach. Currently, my husband and I are victims of identity theft which our credit, credit cards, etc have been compromised. We are currently, not able to call them, my escrow was compromised, ever time I phoned them, it is a came and we continue receive phony letter impersonating XXXX. | ||||||
| 04/19/2021 | Yes |
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Web | Servicemember |
| Lakeview Loancare Servicing will not allow me to access my online account. they give me zero options for explaining the problem and both website and phone trees send me into continuous loops with no end point. I NEED financial data from my account. They insist i do so online but they have a broken authentication system and have in effect BLOCKED me from accessing my own data. | ||||||
| 04/13/2023 | Yes |
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Web | Servicemember |
| I have been reported as 60 days late on one reporting bureau and 30 days on another. 15 USC code 1681i, Inaccurate or Unverifiable Information must be deleted. Also, in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC Code 1666b, a creditor may not treat a payment under an open and consumer credit plan as late for any purpose. | ||||||
| 07/21/2021 | Yes |
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Web | |
| XXXX XXXX XXXX is not applying my payments to escrow properly and this is adversely affecting my credit. No response from the company via email or phone. If you do get through the automated phone prompts a representative will just place you on an eternal hold. No real regulatory oversite either as CFBP does not follow up on claims to assist with a peaceful resolution. | ||||||
| 09/25/2019 | Yes |
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Web | |
| I bought home on XX/XX/XXXX.Today after 14 months i got 4th transfer ma mortgage to another company.I have no idea that this is legal.But with latest company XXXX i have issue. On or about XX/XX/XXXX I have send mortgage check to them.Up today the do not cash this check.I am worry about consequence.I have sent to them email but, did not answer. Could you help me please. | ||||||
| 01/23/2023 | Yes |
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Web | |
| I have been trying to work with my lender XXXX ( XXXX ) about my PMI insurance. The company absolutely refuses to eliminate my PMI NO MATTER WHAT prior to the year XXXX. I currently owe XXXX on a home worth XXXX ( Their estimate ). Please let me know if there is anything that can be done, they are extremely rude about it. My cell is XXXX. XXXX XXXX XXXX ( XXXX XXXX | ||||||
| 10/08/2019 | Yes |
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Web | |
| My loan was sold right away and I didn't realize it. I made my 1st payment to XXXX XXXX XXXX and Lakeview lonecare llc bought the loan. They never gave me credit for my 1st payment in XXXX. They've been charging me late fees and finally put a marl against my credit. I've sent them documentation multiple times and have called multiple times without getting this resolved. | ||||||
| 10/29/2019 | Yes |
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Web | Servicemember |
| I have two mortgages with lake view/XXXX XXXX they have misapplied payments to one of the loans causing the other loan to appear as delinquent. After several phone calls, and submitting a dispute they still reported negative information to the credit bureau. This has caused me to be declined credit, and a visit from someone to my home stating foreclosure is pending. | ||||||
| 09/18/2019 | Yes |
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Web | |
| Lakeview Loan Servicing ( a.k.a. XXXX ) refuses to remove PMI. Our loan to value is now 59.2 %. Lakeview Loan Servicing ( a.k.a. XXXX ) states that they will continue to charge PMI until XX/XX/2021. All written requests for cancellation of the PMI have been acknowledged with a request for {$500.00} to remove the PMI. We consider this tactic a denial of our request. | ||||||
| 06/05/2022 | Yes |
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Web | Older American |
| We have contacted our mortgage company several times by phone/mail since XXXX of this year about paying off a XXXX account that was included in our escrow account. The XXXX account was paid off in full in XXXX of this year. Since the payment is about {$500.00} a month we would like to get this settled as we have overpaid the escrow account for at least 5 months. | ||||||
| 01/30/2017 | Yes |
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Web | Servicemember |
| I have a loan with XXXX and i received a letter in the mail today stating that my loan will be transferred to a new company named LakeView Loan Care, LLC. I am under the impression that i am required to have at least 30 days of notification of said transfer. In addition i was notified that my due date was changed to 15 days sooner. Should I contact an attorney?? | ||||||
| 10/04/2020 | Yes |
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Web | Older American, Servicemember |
| My new lender ask for the payoff on my mortgage. They inflated the payoff by XXXX Their calculations were inflated. My payoff without interest was XXXX after interest they charged me for 2 months interest instead of 1 they added XXXX to my payoff on my loan.my monthly interest was XXXX last month. The final Payoff was XXXX The Loan was paid off on XX/XX/2020 | ||||||
| 04/15/2022 | Yes |
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Web | |
| During XXXX and XXXX, I entered forbearance plan with XXXX XXXX XXXX. However, during this period, my XXXX XXXX XXXX still reported to Credit Bureau as late payment for 17 months. I have tried to resolve this issue with XXXX XXXXXXXX XXXX since XX/XX/XXXX. However, the mortgage lender has been refused to adjust my credit report. Please help! Thanks, | ||||||
| 12/27/2019 | Yes |
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Web | |
| I received an escrow analysis several months ago that is incorrect and after going through the channels by sending three emails and two letters, one to the escrow department, I can not get anyone to correct it. My payment went up by almost {$100.00} because of this error. I was very specific on where their error occurred and received no satisfaction here. | ||||||
| 12/02/2021 | Yes |
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Web | Servicemember |
| Trying to refinance with another mortgage company and my current mortgage company Lakeview loan services /XXXX has been holding me XXXX by falsified payoff documents. Hindering the refinance. So I can move on. Lakeview loan services messed up on my taxes and trying to get me to pay for it. My XXXX veteran tax exemption was filed and reported to Lakeview | ||||||
| 01/26/2021 | Yes |
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Web | |
| Lakeview Loan Servicing has robo called me multiple times, sometimes at night and on the weekends. I have tried numerous times to contact them, but have yet to be successful. Lakeview Loan Servicing is also showing a payment has not been made even though it was processed weeks ago. Again, tried to contact them, but have been unable to speak with anyone. | ||||||
| 11/29/2023 | Yes |
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Web | |
| I have made atleast XXXX calls a day to all numbers I have been able to find by other people having issues. The loan server is currently down or hacked and I have been unable to speak with anyone over the phone, the company has no known statements or resolution, and I am afraid that this will negatively impact my credit as this is out of my control. | ||||||
| 05/11/2018 | Yes |
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Web | |
| the company XXXX XXXX XXXX withdrew my mortgage of {$1200.00} twice this month first on XX/XX/18 and again on XX/XX/2018 the one on the 8th not being authorized. i then called them and they refused to help citing i have to email them my bank statements and wait 5 business days to see if they will refund me the money which i need to pay other bills. | ||||||
| 12/07/2023 | Yes |
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Web | |
| Ive been trying to modify for over a year and a half they keep asking for payment stubs and letters I have provided everything I am now in bad debt XXXX and my credit is bad due to this rotten company. I have called several times and asked for manager to call me back. I have gotten nowhere with them, they are just making me XXXX XXXXn their water | ||||||
| 12/01/2023 | Yes |
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Web | |
| My mortgage is serviced with Lakeview by XXXX. Their website will not allow payments and when I call their number to pay over the phone the automated system disconnects the call. My concern is now that I am unable to make a payment that I will be charged additional interest since my payment wont be credited on the date I wanted to make a payment. | ||||||
| 07/06/2021 | Yes |
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Web | Servicemember |
| I have tried to contact my mortgage company to apply for a forbearance, they don't answer the phone, or return any email or phone messages. When you click on the page on there website, it won't open. They only have one phone number, and don't list a mailing address. I contacted Veteran 's Association, and the suggested that I contact you as well. | ||||||
| 06/21/2021 | Yes |
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Web | |
| My situation began in XX/XX/2021 ongoing, amount in question a little over {$10000.00} accumulated during covid19 the national pandemic. I have made numerous calls to loss mitigation as directed with XXXX XXXX to workout post forbearance payments. There has been no attempt to assist based upon the terms and options available to retain my home. | ||||||
| 04/16/2021 | Yes |
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Web | |
| XXXX XXXX XXXX XXXX XXXX always has payment website down when trying to make payment. When I call to make a payment I am told that they charge a fee to collect payment over the phone. This company requires an additional {$1000.00} to be held in escrow at all times to make sure the escrow is not short. Without providing explanation as to why | ||||||
| 11/29/2023 | Yes |
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Web | |
| I have been trying to make my monthly mortgage payment since XX/XX/XXXX that is due on XX/XX/XXXX. I have called Lakeview Loan Services every day multiple times a day and unable to get through by phone. There is an automated recording saying that the network is down. Ive logged into the Homeowners portal and unsuccessful with logging in. | ||||||
| 05/14/2020 | Yes |
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Web | |
| I HAVE A MORTGAGE LOAN FOR WHICH I MAKE A MONTHLY PAYMENT OF {$3600.00}. MY PAYMENT WAS RECENTLY INCREASED TO XXXX MONTHLY FOR AN UNEXPLAINED REASON. I HAVE INFORMED THEM THAT THE INCREASE IS ILLEGAL AND THAT MY MONTHLY PAYMENT HAS TO BE CORRECTED TO NO AVAIL. i NEED MY MONTHLY PAYMENT CORRECTED AND MY OVERAGE PAYMENT REIMBURSED TO ME. | ||||||
| 11/28/2023 | Yes |
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Web | |
| Trying for weeks to make a payment for my mortgage. No luck on hold cell phone for more than an hour the same run around. They're saying that they Ransomware breach in system .And don't have my Mortgage information to process payments. But they do say that they're not reporting 30 days late no late fees or report to the credit bureau. | ||||||
| 01/19/2024 | Yes |
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Web | |
| I can not log into my Loan and pay my mortage. None of the sites work on smartphone, Laptop or desktop. I tried using XXXX XXXX and XXXX and nothing. Says error when I enter the code they texted me. When I entered it in correctly, Very frustrating Also they sent me an email saying that I was hacked from the dark web from my account. | ||||||
| 01/16/2024 | Yes |
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Web | Servicemember |
| My escrow accounts keeps failing into the negatives. I havent missed any payment so Im not understanding why Im constantly having a negative escrow balance. I tried to call company but the phone system isnt allowing me to speak to anyone. I feel like my payments is being mishandled and Ive had similar problems before on this issue. | ||||||
| 01/14/2020 | Yes |
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Web | |
| We have received multiple letters saying we need to have more flood insurance. We have provided multiple documents showing that we have more flood insurance than the loan amount. They bought more flood insurance and billed us for it. They just send a generic rejection without giving us guidance as to what amounts we need and WHY. | ||||||
| 09/10/2023 | Yes |
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Web | |
| I have paid the escrow amount back with a money order and they keep retuning the money payment of XXXX and XXXX. They saying I didnt pay for the month of XXXX bill.. and I have all my receipts. They paid my Insurance company twice and ran up my mortgage payment. This is the second time this company XXXX XXXX XXXX XXXX did this.. | ||||||
| 11/16/2021 | Yes |
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Web | |
| Refuses to pay owed escrow from a payoff. The loan funded on XX/XX/XXXX, called and they refuse to show evidence or send a check to pay the balance of the escrow account. I spoke with XXXX ( Operator XXXX ) with the escalation, and he flat out refused, telling me to mail my concern to a corporate address. This is for loan XXXX | ||||||
| 06/22/2020 | Yes |
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Web | Servicemember |
| XX/XX/2020, XX/XX/2020, XX/XX/XXXX, XX/XX/2020, XX/XX/2020 Lakeview Loan Servicing llc Contacted me By Leaving XXXX XXXX At My Front Door, After My Repeated Request to Stop Sending Packages to me. I am unsure if it is a Marketing Strategy or an attempt to colllect a debt that I do Not owe. I want the XXXX Packages to STOP!!! | ||||||
| 01/25/2021 | Yes |
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Web | |
| Today I tried to reach out to customer service for well over an hour and a half.I was connected to two different people, none of which were able to help. Anytime I need to contact my mortgage servicer, I get a runaround and no answers because I'm always sent to the wrong place. I would like to know when/how to remove the PMI. | ||||||
| 10/22/2021 | Yes |
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Web | Older American |
| Was making my payments on time and the loan company keeps reporting me that I'm not making my payments on time. Yet it's shows on my bank statement I was. I tried to get them to fix it but they won't do it. There reporting it many times and my credit score keep going down. I need help. This lian company won't listen to me. | ||||||
| 11/07/2019 | Yes |
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Web | |
| My servicing company is Lakeview Loan Servicing. They are always charging a XXXX fee even though my loan payment is paid on time prior to the XXXX. I've made multiple attempts to get this resolved and stated they would have someone call me back. No one ever calls me back. I've submitted 3 online inquiries and no response. | ||||||
| 08/26/2022 | Yes |
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Web | Servicemember |
| I have paid my mortgage to Lakeview since XXXX of XXXX yet the have failed to report my loan to the credit bureau. I have a XXXX of all my payments ( none late ) yet I can not get them to report to any of the 3 bureaus. This means I can not refinance because other lenders can not see my loan. They basically have me XXXX | ||||||
| 12/01/2023 | Yes |
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Web | |
| Have been trying to make payment with Lakeview Loan for 3 days. Web systems are not functioning properly. Phones are not answered in any department. Concerned about receiving a negative credit mark as a result of non payment. Did receive an email on XXXX stating systems were back up. This has proven to be inaccurate. | ||||||
| 10/10/2019 | Yes |
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Web | Older American |
| XXXX XXXX XXXX XXXX Loan care has unlawful collect PMI even thought ; law says Im not obligated to pay They have COLLECTED APPRAISAL FEES {$450.00} BUT FAIL TO DO AN APPRAISAL refuse to remove P.M.I. and escrows despite home value is 55 % Loan to Value ratio. its been 5 months since request IN XX/XX/2019. PLEASE HELP | ||||||
| 12/04/2022 | Yes |
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Web | |
| I have not received my escrow refund check. Send it immediately. I have attached written evidence stating Lakeview Loan Servicing owns the master servicing rights to my loan and is ultimately responsible for my loan. I expect them to resolve this issue immediately. This is a follow-up from cfpb complaint XXXX. | ||||||
| 03/18/2020 | Yes |
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Web | |
| Hi XXXX XXXX. I see that you refounded money on my escrow account, Could you tell me please how much i own you. I paid you {$1000.00} for XXXX, XXXX and XX/XX/2020 instead of {$1700.00}. The difference is about $ 660 monthly.The total should be about {$2000.00} for the 3 months. I will not pay you late fee. | ||||||
| 03/16/2023 | Yes |
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Web | |
| Last year ( XXXX ), my escrow account paid a total tax is {$8800.00} for my new house. However, the loan company ( Lakeview Loan Servicing , LLC ) forecasted the tax number would be {$14000.00} for this year ( XXXX ). They claimed the XXXX tax is not based on a full assessment which doesn't make sense to me. | ||||||
| 04/23/2021 | Yes |
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Web | |
| We have been paying out mortgage payment however out processing center Lakeview Loan CarXXXX Service has not been making out property taxes or insurance payments out of escrow. We have already contacted the company multiple times as well as the XXXX XXXX XXXX and nothing has been done to correct this issue. | ||||||
| 02/06/2021 | Yes |
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Web | |
| I've submitted paperwork TWICE to the mitigation department and have not gotten any response. I have applied for a loan modification over 30 days ago. When I call, they give you the runaround. The lender is supposed to be helping people with government backed mortgages and is not operating in good faith. | ||||||
| 01/19/2021 | Yes |
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Web | |
| Escrow Payments aren't accurate as property taxes are lower. Lakeview was conacted via phone and email multiple times and haven't fixed the issue. They claim they are working on it but it has been 4+ months. They recently sent notice that they are now raising escrow ( again with wring property tax # 's ) | ||||||
| 06/03/2021 | Yes |
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Web | Older American |
| as soon as I applied for forbearance, my mtg started charging an unknown fee of {$17.00} each month. They indicated this would never happen. I have asked them about this and they have not replied. This last month, I noticed it was shown as a late fee, even though I wasn't late. I think this is illegal! | ||||||
| 06/11/2018 | Yes |
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Web | |
| Complaint # XXXX was CLOSED. It should NOT have been since this matter has NOT been resolved. Please see feedback submitted for the above mentioned Complaint number. Please, please, please get this resolved! This company has disregarded my requests since XX/XX/2018! Completely unprofessional service! | ||||||
| 04/19/2022 | Yes |
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Web | |
| Loan was in forbearance starting XX/XX/XXXX. On XX/XX/XXXX, forbearance term was extended to XX/XX/XXXX. Attached is documentation. Per the Cares Act, no late fee shall be charged while a loan is in pandemic forbearance, yet a late fee in amount {$130.00} was charged on XX/XX/XXXX, to loan no. XXXX. | ||||||
| 10/02/2020 | Yes |
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Web | |
| I have set up autopay numerous times, the payments do not pull. I get behind on payments without even knowing. they have all of my bank account information and I have agreed to when they would pull out the money. It has to be on time and when I agreed or else I do not have the funds set up properly. | ||||||
| 01/09/2024 | Yes |
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Web | Servicemember |
| The loan assumption, with XXXXLakeview, removed me from the loan XXXXn XXXX of 2023. Ive been trying to close this account on my credit report ever since. I requested a release of liability letter and that someone return my call and give me an update, no one returned my call or followed up with me. | ||||||
| 05/14/2021 | Yes |
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Web | Older American |
| My loan was transferred from XXXX XXXX to XXXX XXXX XXXX and they have refused to send me my pay-off since XX/XX/2021. I have been trying to lower my rate from a 4.125 to a 2.375 % and they refuse to send me the pay-off. It took them months to send me my mortgage note and other documents requested. | ||||||
| 05/24/2019 | Yes |
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Web | |
| For over a week I have been contacting Lakeview Loan to get my payoff amount corrected so I can complete my refinance. A week of endless headaches and calls with no resolve! No one will call me back and help me. No manger or supervisor has handled this or called me back as promised. I need help!! | ||||||
| 03/24/2020 | Yes |
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Web | |
| During hardship of XXXX Requested decrease in mortgage payments. When closing XX/XX/XXXX, expecting a payout of XXXX, instead received XXXX. Please review attachments. Requesting calculations of amount of second mortgage totaling XXXX. Modification trail was 3 months and continued until closing. | ||||||
| 10/31/2018 | Yes |
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Web | |
| I have written letters requesting the removal of the PMI on my mortgage. I purchased my home in XX/XX/2006 at {$450000.00}. I put down over {$100000.00}. Thats over 20 % down payment and we have resided in the home for over 2 years. The comps in my neighborhood are selling for over {$550000.00}. | ||||||
| 08/12/2023 | Yes |
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Web | |
| XXXX XXXX reported my FHA mortgage as delinquent while in the middle of the modification and partial claim process while trying to transition out of my forbearance under the Cares Act. The mortgage was under XXXX forbearance. There are several months reported as delinquent during this process. | ||||||
| 12/03/2023 | Yes |
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Web | |
| Loan XXXX had a system breach and we cant get in the system. Weve reached out to no avail. Once the system came back up it shows a huge balance that is inaccurate. Weve tried calling and sending emails with no response. Weve been making payments every month and shouldnt have a balance at all. | ||||||
| 09/21/2020 | Yes |
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Web | Servicemember |
| I have requested a COVID forbearance three times within the past month and I never heard back from them. They also do not take phone calls regarding a forbearance request. I have the confirmation emails for all. They say they will be in contact in 3-5 business days, and that has not happened. | ||||||
| 07/10/2019 | Yes |
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Web | |
| I have contacted loan care lakeview services several times. They created an error and reported to credit bureaus and negative delinquent when in fact it was paid the XXXX of every month on time. This caused my business deal to fail through their carelessness and have not provided a Solution | ||||||
| 04/07/2022 | Yes |
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Web | |
| Failure to protect my personal information, putting me at risk of credit and identity theft for the rest of my life. I have been very careful with my personal information otherwise and shouldn't be punished with the looming threat of identity/credit theft for their lack of security. | ||||||
| 11/29/2023 | Yes |
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Web | |
| I asked on the XXXX if I could pay on the XXXX and they would wave the late fee. They said yes. I tried all day on the XXXX to pay what I owe and I could not. The web site was down and customer service would not answer the phone. I just want to make my mortgage payment this month. | ||||||
| 07/24/2020 | Yes |
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Web | |
| I applied for forbearance 30 days ago. Emails claim that it will take 5 days to process. When calling the wait times are over an hour and the phone tree goes no where. The loss mitigation team is a no show, meanwhile due to COVID-19 I am having trouble paying 2 months in a row. | ||||||
| 09/27/2019 | Yes |
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Web | |
| Hello.I got today letters from XXXX XXXX XXXX.They did not cash a check and the sendt double payment of mortgage on XX/XX/2019.I would like ask them why both documents dated XX/XX/2019 i got tooday XX/XX/2019.Both letters were send one day after my complain to CFPB?? See copy. | ||||||
| 11/30/2023 | Yes |
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Web | |
| We were not informed of the XX/XX/2023 data breach, the only reason I know about it is because we XXXX to find answers as to why we can not access our loan. We need to pay, but we can't get a hold of anyone. Also, we have the right to know if our information was compromised. | ||||||
| 03/09/2017 | No |
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Web | |
| My mortgage company failed to pay my real estate taxes out of my escrow account even after XXXX delinquent notices were received by them. When they were questioned about this, they proceeded to scream at me and refused to pay it, including the late fees and interest. | ||||||
| 09/01/2020 | Yes |
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Web | Servicemember |
| IN ORDER TO CLOSE ON MY NEW VA LOAN I NEED MY PAYOFF FROM CURRENT LENDER. I HAVE TRIED FOR SEVERAL WKS TO OBTAIN MY PAYOFF. HOWEVER, THE LENDER CONTINUES TO SAY I WILL RECEIVE TOMORROW BUT TOMORROW NEVER COMES. WE NEED THE PAYOFF OR THE % RATE LOCK WILL EXPIRE. | ||||||
| 04/19/2020 | Yes |
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Web | |
| LAEVIEW LOAN SERVICING is collecting {$5.00} dollars in my account because I did my payment in XX/XX/2020 and my dispute is because They do not explain me nothing about this charge the only explain was that is their rule. My payment is on time is not past due. | ||||||
| 03/29/2020 | Yes |
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Web | |
| After filing my last complaint about the 30day late payment in XX/XX/2020, Lakeview agreed to remove late payment and update the account to all credit bureaus. It has been over 30 days and Ive checked my credit and the it is still showing a 30day late on XXXX. | ||||||
| 08/10/2020 | Yes |
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Web | Servicemember |
| Denied Energy Efficiency MortgageXXXX told that is a cash out loan. Lakeview and XXXX stayed that it is a cash out loan and that is not authorized under VA IRRRL. Need to have done and rectified. They are lying about who denied me and who the underwriter is. | ||||||
| 07/22/2020 | Yes |
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Web | |
| My mortgage is below 78 % of the appraised value. I requested cancellation of PMI aby email and by phone the loan servicer has refused. All payments have been on time. The loan servicer is Lakeview Loan Servicing LLC, XXXX XXXX. This appears to violate HPA. | ||||||
| 10/13/2021 | Yes |
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Web | Servicemember |
| After I filed my second complaint, XXXX reported my loan as delinquent. I was in forbearance, and I just received my loan modification documents and sent them off within a week. Now my credit is messed up. I'm getting the runaround from their call center. | ||||||
| 01/29/2022 | Yes |
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Web | |
| on XX/XX/2022 I sent debt collector " Lakeview sub serviced by XXXX XXXX XXXX XXXXk '' a written request of debt verification and also a written itemization of the Finance Charge and Amount Financed on XX/XX/2022 it was delivered and picked up. | ||||||
| 03/31/2022 | Yes |
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Web | Servicemember |
| I have been working with loan company for a few years before COVID I was approved with modifications and paper work with my father In law whos a veteran on our home. I have been spun around in circles. I had to hire an attorney. Please help. | ||||||
| 06/26/2020 | Yes |
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Web | |
| My mortgage company charged me {$10.00} to make a payment online. Just a regular payment. It was called a one-time payment fee. Im being charged just for paying in full and on time ... .how is this legal? Company : Lakeview Loan Servicing | ||||||
| 10/27/2020 | Yes |
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Web | |
| I have mande several payment to the principal as the website states in order to bring it down to 78 % loan to value. I have sent emails looking for advice on the amount o payment I need o make to the principal to remove PMI without success | ||||||
| 09/02/2022 | Yes |
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Web | Servicemember |
| Lakeview Mortgage and their subservicer XXXX XXXX do not provide an amortization schedule through their web portal. This prevents paperless customers from monitoring the progress of their loan and scheduling additional principle payments. | ||||||
| 05/07/2019 | Yes |
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Web | Servicemember |
| We have been trying to have our property taxes paid from our impound account for over 2 months. We have talked with the company on the phone many times and always ensured it would be taken care of. Now our taxes are delinquent. | ||||||
| 02/07/2019 | Yes |
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Web | Servicemember |
| insurance co. sent additional bill. I called mortgage co. And told them not to pay from my escrow account because I had already paid it. After 1 hour and a half on the phone explaining it, they paid it out of my escrow any way. | ||||||
| 06/03/2022 | Yes |
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Web | |
| My mortgage was transfer from XXXX to XXXX lake view with the rule of transferring mortgage with as it is without any changes. XXXX lake view took the third party data and implemented escrow account without prior information. | ||||||
| 04/03/2023 | Yes |
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Web | Older American, Servicemember |
| I paided my mortgage for XX/XX/XXXX and XXXX which total {$3200.00}, for 2 months. they want post the payments to my account. saying that the payment was suspense. I don't know what reason. I have documents to prove my case. | ||||||
| 03/24/2021 | Yes |
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Web | |
| Hazard insurance premium paid from my escrow account has not been received by insurance company. Servicer refuses to release detail information such as copy of check paid to insurance or to refund funds back to my account. | ||||||
| 04/08/2022 | Yes |
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Web | |
| Lakeview Servicing, in association with XXXX & XXXX bank failed to protect my personal information, including XXXX. They had a data breach in XXXX XXXX to their file servers. This was not reported to me until XX/XX/XXXX. | ||||||
| 03/16/2021 | Yes |
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Web | |
| Lakeview Loan Servicing continues to report me let. I am not late on my payments. The admit i am not late but continue to mark my payment late even before the payment is late. It is keeping me from getting refinanced. | ||||||
| 04/22/2020 | Yes |
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Web | |
| XXXXXXXX XXXX XXXX is reporting a current mortgage account, paid on time, as included in a chapter XXXX. This is NOT correct. We pay this mortgage on time every month as indicated on the supporting documents. | ||||||
| 10/01/2018 | Yes |
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Web | |
| mortgage Servicing company ( XXXX ) has not paid my property taxes ( {$7900.00} ) despite more than sufficient funds in my escrow ( $ XXXX ). see attached files. both tax and mortgage statements attached. | ||||||
| 07/10/2019 | Yes |
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Web | |
| We have an FHA mortgage on our primary home. It has PMI insurance. We paid over 40 % down payment and the home value has risen 30 %. We have requested to cancel PMI insurance XX/XX/2019 and been denied. | ||||||
| 02/19/2020 | Yes |
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Web | Servicemember |
| I received an email from my loan servicer recommending the VA IRRRL program to me. In the email, they specifically use language that the VA and this website refer to as suspicious and/or misleading. | ||||||
| 11/14/2021 | Yes |
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Web | |
| My wife and I have an Inpounded Account with LakeView Loan Services, LLC. Our home insurance, XXXX XXXX XXXX, informed us that our lender did not pay the yearly renewal that was due XX/XX/21. | ||||||
| 12/10/2020 | Yes |
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Web | |
| My mortgage company ( Lakeview Loan Servicing ) has held my refund for over 2 months!!! They keep telling me that I will be receiving my check " next week '' and it has been two months later. | ||||||
| 02/13/2021 | Yes |
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Web | |
| Called the servicer to inquire about why PMI had not dropped off the loan, was told I meet all three checkmarks for the requirement but received two notices stating not eligible. | ||||||
| 08/10/2022 | Yes |
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Web | |
| I have approval letters from XXXX home owners assistance funds and my payments are not been posted correctly as they are supposed to be. I have lakeview loan care services LLC | ||||||
| 01/30/2022 | Yes |
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Web | |
| I have been unable to access the online portal for months now and the app is also barely functional to make payments. I have no access to online statements or loan info. | ||||||
| 04/22/2021 | Yes |
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Web | |
| I refininance and Lakeview still insisted on taking a payment when none was due. By law they were required to send the refund within 15 days. It still has not been sent. | ||||||
| 04/24/2022 | Yes |
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Web | |
| Failure to protect my data and now all my personal information is available on the internet and no matter what I can do. My personal information is on the darkweb. | ||||||
| 02/13/2021 | Yes |
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Web | Servicemember |
| I have been trying to get my escrow refund since XXXX. Im owed {$2000.00} that is overpayment for county taxes. I have called about 8 times since XX/XX/XXXX. | ||||||
| 03/09/2017 | Yes |
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Web | |
| My mortgage company is Lakeview Loans and I have called numerous and sent the finance company the proper documents and they refuse to correct my taxes. | ||||||
| 12/07/2023 | Yes |
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Web | |
| I sent my check for the last 2 months and they didnt apply to my account, I been trying to make those payments but they are making hard to receive it | ||||||
| 05/18/2020 | Yes |
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Web | |
| Due to covid-19 company give me forbearance plan for three months, now that send me threatening letter, I am loosing my home and my payment is due | ||||||
| 05/03/2021 | Yes |
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Web | |
| The loan servicer failed to make timely property taxes payment for me, I am facing late fees and potential tax lien on the property. | ||||||
| 10/10/2021 | Yes |
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Web | |
| My mortgage company is reporting 13 late payments while the mortgage was in modification and the modification was approved. | ||||||
| 02/04/2019 | Yes |
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Web | Servicemember |
| XX/XX/2019. lakeview cashed a XXXX payment but took out XXXX. now checks are bouncing and more checks are due. | ||||||
| 05/01/2020 | Yes |
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Web | |
| In spite that XX/XX/ 2020 mortgage payment I paid in full and on time, they charged me {$3700.00} late fee. | ||||||
| 05/02/2022 | Yes |
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Web | |
| I have requested a copy of my escrow analysis from my loan servicer and they have not provided me with it. | ||||||
| 05/20/2022 | Yes |
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Web | Servicemember |
| Made an ACH payment. The mortgage bank lost the payment and charged me an XXXX dollar late fee | ||||||
| 02/16/2023 | Yes |
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Web | |
| Lakeview, subservicer of XXXX XXXX is not removing PMI in accordance with HPA | ||||||
| 07/17/2021 | Yes |
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Web | |
| I sold my house and paid it off but they reported it negatively on my credit. | ||||||
| 12/06/2022 | Yes |
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Web | Older American, Servicemember |
| XXXX refuse to endorse insurance claim check for me to get my roof fixed | ||||||
| 03/26/2021 | Yes |
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Web | |
| I was never late on my mortgage, I demand proof or remove in XXXX days | ||||||
| 11/30/2023 | Yes |
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Web | |
| Called to pay my mortgage and found out on XXXX they were hacked | ||||||
| 11/26/2022 | Yes |
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Web | |
| I have not received my escrow refund check. Send it immediately. | ||||||
| 01/30/2024 | Yes |
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Web | Servicemember |
| 01/28/2024 | Yes |
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Web | |
| 01/24/2024 | Yes |
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Web | |
| 01/22/2024 | Yes |
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Web | Older American |
| 01/22/2024 | Yes |
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Web | |
| 01/19/2024 | Yes |
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Web | |
| 01/17/2024 | Yes |
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Web | |
| 01/10/2024 | Yes |
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Phone | |
| 01/09/2024 | Yes |
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Web | |
| 01/08/2024 | Yes |
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Web | |
| 01/05/2024 | Yes |
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Web | |
| 01/04/2024 | Yes |
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Web | |
| 12/26/2023 | Yes |
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Web | |
| 12/22/2023 | Yes |
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Phone | Servicemember |
| 12/22/2023 | Yes |
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Web | |
| 12/20/2023 | Yes |
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Web | |
| 12/15/2023 | Yes |
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Web | Servicemember |
| 12/07/2023 | Yes |
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Web | |
| 12/06/2023 | Yes |
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Web | |
| 12/05/2023 | No |
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Web | |
| 12/02/2023 | Yes |
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Web | |
| 12/01/2023 | Yes |
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Web | |
| 12/01/2023 | Yes |
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Web | |
| 12/01/2023 | Yes |
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Web | |
| 12/01/2023 | Yes |
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Web | Older American |
| 12/01/2023 | Yes |
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Web | |
| 12/01/2023 | Yes |
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Web | |
| 11/30/2023 | Yes |
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Web | |
| 11/30/2023 | Yes |
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Phone | Servicemember |
| 11/30/2023 | Yes |
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| 11/30/2023 | Yes |
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| 11/29/2023 | Yes |
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| 11/28/2023 | Yes |
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| 11/28/2023 | Yes |
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| 11/28/2023 | Yes |
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| 11/28/2023 | Yes |
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| 11/28/2023 | Yes |
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| 11/28/2023 | Yes |
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| 11/27/2023 | Yes |
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Web | |
| 11/27/2023 | Yes |
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| 11/27/2023 | Yes |
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| 11/27/2023 | Yes |
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| 11/27/2023 | Yes |
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| 11/27/2023 | Yes |
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| 11/25/2023 | Yes |
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| 11/15/2023 | Yes |
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| 11/14/2023 | Yes |
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Web | |
| 11/11/2023 | Yes |
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Web | |
| 11/02/2023 | Yes |
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Phone | |
| 10/24/2023 | Yes |
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Phone | Older American, Servicemember |
| 10/15/2023 | Yes |
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Web | Older American |
| 10/13/2023 | Yes |
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Web | |
| 10/02/2023 | Yes |
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Phone | |
| 09/28/2023 | Yes |
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Phone | |
| 09/25/2023 | Yes |
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| 09/20/2023 | Yes |
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| 09/18/2023 | Yes |
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| 09/08/2023 | Yes |
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Phone | |
| 09/06/2023 | Yes |
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Phone | |
| 09/05/2023 | Yes |
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Web | Servicemember |
| 08/29/2023 | Yes |
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| 08/23/2023 | Yes |
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Phone | |
| 08/22/2023 | Yes |
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Web | |
| 08/20/2023 | Yes |
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Web | Servicemember |
| 08/17/2023 | Yes |
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| 08/17/2023 | Yes |
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| 08/08/2023 | Yes |
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Web | |
| 07/27/2023 | Yes |
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Web | Servicemember |
| 07/26/2023 | Yes |
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Web | |
| 07/25/2023 | Yes |
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Web | |
| 07/13/2023 | Yes |
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Web | Servicemember |
| 07/12/2023 | Yes |
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Phone | |
| 07/11/2023 | Yes |
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Web | |
| 07/11/2023 | Yes |
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Web | Servicemember |
| 07/06/2023 | Yes |
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Web | |
| 07/06/2023 | Yes |
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| 07/05/2023 | Yes |
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| 07/05/2023 | Yes |
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| 06/29/2023 | Yes |
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| 06/28/2023 | Yes |
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| 06/26/2023 | Yes |
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| 06/26/2023 | Yes |
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| 06/26/2023 | Yes |
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| 06/15/2023 | Yes |
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| 06/15/2023 | Yes |
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| 06/12/2023 | Yes |
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Phone | |
| 06/06/2023 | Yes |
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Web | |
| 06/02/2023 | Yes |
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Web | Servicemember |
| 05/30/2023 | Yes |
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| 05/27/2023 | Yes |
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| 05/19/2023 | Yes |
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Web | |
| 05/19/2023 | Yes |
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Web | Servicemember |
| 05/18/2023 | Yes |
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| 05/10/2023 | Yes |
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| 05/04/2023 | Yes |
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| 05/03/2023 | Yes |
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| 05/02/2023 | Yes |
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| 04/29/2023 | Yes |
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| 04/27/2023 | Yes |
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| 04/26/2023 | Yes |
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Web | Servicemember |
| 04/26/2023 | Yes |
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Web | Servicemember |
| 04/25/2023 | Yes |
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| 04/24/2023 | Yes |
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| 04/24/2023 | Yes |
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Web | Older American |
| 04/15/2023 | Yes |
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Web | Servicemember |
| 04/11/2023 | Yes |
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| 04/07/2023 | Yes |
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| 04/05/2023 | Yes |
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| 03/30/2023 | Yes |
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Phone | |
| 03/28/2023 | Yes |
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Web | Servicemember |
| 03/27/2023 | Yes |
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| 03/23/2023 | Yes |
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| 03/17/2023 | Yes |
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| 03/14/2023 | Yes |
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Web | Older American, Servicemember |
| 03/10/2023 | Yes |
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| 03/02/2023 | Yes |
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| 02/24/2023 | Yes |
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| 02/18/2023 | Yes |
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| 02/17/2023 | Yes |
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Web | |
| 02/15/2023 | Yes |
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Phone | Older American, Servicemember |
| 02/01/2023 | Yes |
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| 01/27/2023 | Yes |
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| 01/15/2023 | Yes |
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Web | |
| 01/07/2023 | Yes |
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Web | Servicemember |
| 12/23/2022 | Yes |
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| 12/21/2022 | Yes |
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| 12/20/2022 | Yes |
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Web | |
| 12/20/2022 | Yes |
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Phone | Servicemember |
| 12/09/2022 | Yes |
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|
|
Web | |
| 12/06/2022 | Yes |
|
|
|
Web | |
| 12/02/2022 | Yes |
|
|
|
Phone | Servicemember |
| 11/29/2022 | Yes |
|
|
|
Web | |
| 11/28/2022 | Yes |
|
|
|
Phone | |
| 11/23/2022 | Yes |
|
|
|
Web | |
| 11/15/2022 | Yes |
|
|
|
Web | |
| 11/08/2022 | Yes |
|
|
|
Web | |
| 11/07/2022 | Yes |
|
|
|
Web | Servicemember |
| 11/07/2022 | Yes |
|
|
|
Web | Servicemember |
| 11/03/2022 | Yes |
|
|
|
Phone | |
| 10/31/2022 | Yes |
|
|
|
Web | Older American |
| 10/25/2022 | Yes |
|
|
|
Web | |
| 10/25/2022 | Yes |
|
|
|
Web | |
| 10/21/2022 | Yes |
|
|
|
Web | |
| 10/19/2022 | Yes |
|
|
|
Web | Older American, Servicemember |
| 10/12/2022 | Yes |
|
|
|
Web | |
| 10/07/2022 | Yes |
|
|
|
Web | Older American |
| 09/30/2022 | Yes |
|
|
|
Web | |
| 09/30/2022 | Yes |
|
|
|
Web | |
| 09/28/2022 | Yes |
|
|
|
Web | |
| 09/24/2022 | Yes |
|
|
|
Web | |
| 09/24/2022 | Yes |
|
|
|
Web | |
| 09/23/2022 | Yes |
|
|
|
Web | |
| 09/19/2022 | Yes |
|
|
|
Web | Servicemember |
| 09/18/2022 | Yes |
|
|
|
Web | |
| 09/08/2022 | Yes |
|
|
|
Web | |
| 09/06/2022 | Yes |
|
|
|
Web | |
| 09/01/2022 | Yes |
|
|
|
Web | |
| 08/26/2022 | Yes |
|
|
|
Web | |
| 08/23/2022 | Yes |
|
|
|
Web | |
| 08/17/2022 | Yes |
|
|
|
Web | |
| 08/13/2022 | Yes |
|
|
|
Web | Servicemember |
| 08/11/2022 | Yes |
|
|
|
Web | |
| 08/11/2022 | Yes |
|
|
|
Web | |
| 08/10/2022 | Yes |
|
|
|
Web | |
| 08/10/2022 | Yes |
|
|
|
Web | |
| 08/05/2022 | Yes |
|
|
|
Web | |
| 08/03/2022 | Yes |
|
|
|
Web | |
| 08/01/2022 | Yes |
|
|
|
Web | |
| 08/01/2022 | Yes |
|
|
|
Referral | |
| 07/31/2022 | Yes |
|
|
|
Web | Servicemember |
| 07/26/2022 | Yes |
|
|
|
Web | |
| 07/23/2022 | Yes |
|
|
|
Web | |
| 07/12/2022 | Yes |
|
|
|
Web | |
| 07/08/2022 | Yes |
|
|
|
Web | |
| 07/06/2022 | Yes |
|
|
|
Web | |
| 06/30/2022 | Yes |
|
|
|
Phone | |
| 06/28/2022 | Yes |
|
|
|
Web | |
| 06/22/2022 | Yes |
|
|
|
Web | |
| 06/18/2022 | Yes |
|
|
|
Web | Servicemember |
| 06/13/2022 | Yes |
|
|
|
Web | Servicemember |
| 06/10/2022 | Yes |
|
|
|
Phone | |
| 05/27/2022 | Yes |
|
|
|
Web | Servicemember |
| 05/17/2022 | Yes |
|
|
|
Phone | |
| 05/12/2022 | Yes |
|
|
|
Phone | |
| 05/10/2022 | Yes |
|
|
|
Phone | Older American |
| 05/10/2022 | Yes |
|
|
|
Phone | Older American |
| 05/09/2022 | Yes |
|
|
|
Phone | |
| 05/09/2022 | Yes |
|
|
|
Phone | |
| 05/09/2022 | Yes |
|
|
|
Phone | |
| 05/09/2022 | Yes |
|
|
|
Referral | |
| 05/06/2022 | Yes |
|
|
|
Referral | |
| 05/05/2022 | Yes |
|
|
|
Web | |
| 05/04/2022 | Yes |
|
|
|
Phone | |
| 04/29/2022 | Yes |
|
|
|
Web | |
| 04/26/2022 | Yes |
|
|
|
Phone | Servicemember |
| 04/22/2022 | Yes |
|
|
|
Web | Servicemember |
| 04/22/2022 | Yes |
|
|
|
Phone | |
| 04/21/2022 | Yes |
|
|
|
Referral | |
| 04/19/2022 | Yes |
|
|
|
Phone | |
| 04/18/2022 | Yes |
|
|
|
Phone | |
| 04/18/2022 | Yes |
|
|
|
Phone | |
| 04/15/2022 | Yes |
|
|
|
Web | |
| 04/14/2022 | Yes |
|
|
|
Phone | |
| 04/14/2022 | Yes |
|
|
|
Web | |
| 04/11/2022 | Yes |
|
|
|
Phone | |
| 04/08/2022 | Yes |
|
|
|
Phone | Servicemember |
| 04/06/2022 | Yes |
|
|
|
Web | Servicemember |
| 04/05/2022 | Yes |
|
|
|
Phone | |
| 03/30/2022 | Yes |
|
|
|
Phone | Older American |
| 03/29/2022 | Yes |
|
|
|
Web | |
| 03/29/2022 | Yes |
|
|
|
Phone | Older American |
| 03/28/2022 | Yes |
|
|
|
Web | |
| 03/23/2022 | Yes |
|
|
|
Web | Servicemember |
| 03/19/2022 | Yes |
|
|
|
Web | Servicemember |
| 03/18/2022 | Yes |
|
|
|
Web | Servicemember |
| 03/10/2022 | Yes |
|
|
|
Phone | |
| 03/09/2022 | Yes |
|
|
|
Web | Servicemember |
| 03/03/2022 | Yes |
|
|
|
Web | |
| 02/27/2022 | Yes |
|
|
|
Web | |
| 02/26/2022 | Yes |
|
|
|
Web | Older American, Servicemember |
| 02/15/2022 | Yes |
|
|
|
Web | |
| 02/09/2022 | Yes |
|
|
|
Web | Older American |
| 02/08/2022 | Yes |
|
|
|
Web | |
| 02/03/2022 | Yes |
|
|
|
Phone | |
| 02/02/2022 | Yes |
|
|
|
Phone | Servicemember |
| 01/28/2022 | Yes |
|
|
|
Web | Older American |
| 01/21/2022 | Yes |
|
|
|
Phone | |
| 01/17/2022 | Yes |
|
|
|
Web | |
| 01/13/2022 | Yes |
|
|
|
Phone | |
| 01/12/2022 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 01/11/2022 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 01/11/2022 | Yes |
|
|
|
Web | |
| 01/11/2022 | Yes |
|
|
|
Web | |
| 01/09/2022 | Yes |
|
|
|
Web | |
| 01/07/2022 | Yes |
|
|
|
Web | |
| 01/07/2022 | Yes |
|
|
|
Web | |
| 01/06/2022 | Yes |
|
|
|
Web | |
| 01/06/2022 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 01/03/2022 | Yes |
|
|
|
Phone | |
| 01/01/2022 | Yes |
|
|
|
Web | |
| 12/21/2021 | Yes |
|
|
|
Web | Servicemember |
| 12/20/2021 | Yes |
|
|
|
Phone | Older American |
| 12/14/2021 | Yes |
|
|
|
Referral | |
| 12/13/2021 | Yes |
|
|
|
Web | |
| 12/10/2021 | Yes |
|
|
|
Web | |
| 12/09/2021 | Yes |
|
|
|
Web | |
| 12/09/2021 | Yes |
|
|
|
Web | |
| 12/09/2021 | Yes |
|
|
|
Phone | |
| 12/07/2021 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 12/02/2021 | Yes |
|
|
|
Web | |
| 12/02/2021 | Yes |
|
|
|
Phone | |
| 11/29/2021 | Yes |
|
|
|
Phone | |
| 11/27/2021 | Yes |
|
|
|
Web | |
| 11/23/2021 | Yes |
|
|
|
Web | Servicemember |
| 11/22/2021 | Yes |
|
|
|
Web | |
| 11/18/2021 | Yes |
|
|
|
Web | |
| 11/14/2021 | Yes |
|
|
|
Web | |
| 11/10/2021 | Yes |
|
|
|
Web | |
| 11/08/2021 | Yes |
|
|
|
Referral | |
| 11/06/2021 | Yes |
|
|
|
Web | |
| 11/05/2021 | Yes |
|
|
|
Web | Older American |
| 11/05/2021 | Yes |
|
|
|
Web | |
| 11/04/2021 | Yes |
|
|
|
Web | |
| 11/04/2021 | Yes |
|
|
|
Web | Older American, Servicemember |
| 11/02/2021 | Yes |
|
|
|
Web | |
| 10/29/2021 | Yes |
|
|
|
Web | |
| 10/25/2021 | Yes |
|
|
|
Web | |
| 10/18/2021 | Yes |
|
|
|
Web | |
| 10/14/2021 | Yes |
|
|
|
Phone | Servicemember |
| 10/12/2021 | Yes |
|
|
|
Web | |
| 10/06/2021 | Yes |
|
|
|
Phone | |
| 10/04/2021 | Yes |
|
|
|
Web | |
| 09/30/2021 | Yes |
|
|
|
Phone | Servicemember |
| 09/29/2021 | Yes |
|
|
|
Phone | |
| 09/28/2021 | Yes |
|
|
|
Web | |
| 09/23/2021 | Yes |
|
|
|
Referral | |
| 09/23/2021 | Yes |
|
|
|
Web | |
| 09/20/2021 | Yes |
|
|
|
Phone | |
| 09/14/2021 | Yes |
|
|
|
Postal mail | |
| 09/11/2021 | Yes |
|
|
|
Referral | |
| 09/09/2021 | Yes |
|
|
|
Phone | |
| 09/08/2021 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 09/03/2021 | Yes |
|
|
|
Web | |
| 09/01/2021 | Yes |
|
|
|
Web | |
| 08/31/2021 | Yes |
|
|
|
Web | |
| 08/28/2021 | Yes |
|
|
|
Web | |
| 08/27/2021 | Yes |
|
|
|
Web | Servicemember |
| 08/25/2021 | Yes |
|
|
|
Web | |
| 08/25/2021 | Yes |
|
|
|
Web | |
| 08/24/2021 | Yes |
|
|
|
Web | |
| 08/24/2021 | Yes |
|
|
|
Web | |
| 08/17/2021 | Yes |
|
|
|
Phone | |
| 08/17/2021 | Yes |
|
|
|
Postal mail | |
| 08/13/2021 | Yes |
|
|
|
Phone | |
| 08/12/2021 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 08/11/2021 | Yes |
|
|
|
Web | Servicemember |
| 08/10/2021 | Yes |
|
|
|
Phone | |
| 08/07/2021 | Yes |
|
|
|
Web | |
| 08/06/2021 | Yes |
|
|
|
Web | |
| 08/04/2021 | Yes |
|
|
|
Referral | |
| 07/29/2021 | Yes |
|
|
|
Phone | |
| 07/27/2021 | Yes |
|
|
|
Web | |
| 07/23/2021 | Yes |
|
|
|
Web | |
| 07/23/2021 | Yes |
|
|
|
Phone | Older American |
| 07/22/2021 | Yes |
|
|
|
Web | |
| 07/19/2021 | Yes |
|
|
|
Web | |
| 07/17/2021 | Yes |
|
|
|
Web | |
| 07/17/2021 | Yes |
|
|
|
Web | Older American, Servicemember |
| 07/16/2021 | Yes |
|
|
|
Referral | |
| 07/12/2021 | Yes |
|
|
|
Phone | |
| 07/12/2021 | Yes |
|
|
|
Referral | |
| 07/08/2021 | Yes |
|
|
|
Postal mail | |
| 07/01/2021 | Yes |
|
|
|
Web | |
| 06/29/2021 | Yes |
|
|
|
Web | |
| 06/28/2021 | Yes |
|
|
|
Web | |
| 06/26/2021 | Yes |
|
|
|
Web | |
| 06/23/2021 | Yes |
|
|
|
Web | |
| 06/22/2021 | Yes |
|
|
|
Web | |
| 06/18/2021 | Yes |
|
|
|
Web | |
| 06/16/2021 | Yes |
|
|
|
Web | |
| 06/15/2021 | Yes |
|
|
|
Phone | Older American |
| 06/14/2021 | Yes |
|
|
|
Web | |
| 06/12/2021 | Yes |
|
|
|
Web | |
| 06/11/2021 | Yes |
|
|
|
Web | |
| 06/11/2021 | Yes |
|
|
|
Web | |
| 06/11/2021 | Yes |
|
|
|
Web | |
| 06/10/2021 | Yes |
|
|
|
Web | |
| 06/09/2021 | Yes |
|
|
|
Web | Servicemember |
| 06/09/2021 | Yes |
|
|
|
Web | Older American |
| 06/08/2021 | Yes |
|
|
|
Web | |
| 06/07/2021 | Yes |
|
|
|
Web | |
| 06/07/2021 | Yes |
|
|
|
Web | |
| 06/03/2021 | Yes |
|
|
|
Referral | |
| 06/02/2021 | Yes |
|
|
|
Web | |
| 06/01/2021 | Yes |
|
|
|
Web | |
| 05/27/2021 | Yes |
|
|
|
Web | |
| 05/26/2021 | Yes |
|
|
|
Web | |
| 05/24/2021 | Yes |
|
|
|
Web | |
| 05/20/2021 | Yes |
|
|
|
Web | |
| 05/20/2021 | Yes |
|
|
|
Web | |
| 05/19/2021 | Yes |
|
|
|
Referral | |
| 05/12/2021 | Yes |
|
|
|
Web | |
| 05/12/2021 | Yes |
|
|
|
Web | |
| 05/12/2021 | Yes |
|
|
|
Referral | |
| 05/10/2021 | Yes |
|
|
|
Web | |
| 05/07/2021 | Yes |
|
|
|
Web | Servicemember |
| 05/06/2021 | Yes |
|
|
|
Web | |
| 05/04/2021 | Yes |
|
|
|
Web | |
| 04/29/2021 | Yes |
|
|
|
Web | |
| 04/29/2021 | Yes |
|
|
|
Web | |
| 04/28/2021 | Yes |
|
|
|
Phone | |
| 04/28/2021 | Yes |
|
|
|
Phone | Older American |
| 04/26/2021 | Yes |
|
|
|
Referral | |
| 04/23/2021 | Yes |
|
|
|
Web | |
| 04/23/2021 | Yes |
|
|
|
Web | Servicemember |
| 04/16/2021 | Yes |
|
|
|
Web | |
| 04/15/2021 | Yes |
|
|
|
Web | |
| 04/13/2021 | Yes |
|
|
|
Phone | |
| 04/13/2021 | Yes |
|
|
|
Web | |
| 04/07/2021 | Yes |
|
|
|
Web | |
| 04/06/2021 | Yes |
|
|
|
Web | |
| 04/06/2021 | Yes |
|
|
|
Web | |
| 04/04/2021 | Yes |
|
|
|
Web | Older American |
| 04/02/2021 | Yes |
|
|
|
Web | |
| 04/01/2021 | Yes |
|
|
|
Phone | |
| 04/01/2021 | Yes |
|
|
|
Phone | Servicemember |
| 03/31/2021 | Yes |
|
|
|
Web | Servicemember |
| 03/30/2021 | Yes |
|
|
|
Web | |
| 03/27/2021 | Yes |
|
|
|
Web | |
| 03/26/2021 | Yes |
|
|
|
Web | |
| 03/26/2021 | Yes |
|
|
|
Web | |
| 03/23/2021 | Yes |
|
|
|
Web | |
| 03/18/2021 | Yes |
|
|
|
Web | |
| 03/18/2021 | Yes |
|
|
|
Web | Older American |
| 03/17/2021 | Yes |
|
|
|
Web | |
| 03/16/2021 | Yes |
|
|
|
Phone | |
| 03/16/2021 | Yes |
|
|
|
Web | |
| 03/15/2021 | Yes |
|
|
|
Web | Servicemember |
| 03/15/2021 | Yes |
|
|
|
Web | |
| 03/13/2021 | Yes |
|
|
|
Web | |
| 03/12/2021 | Yes |
|
|
|
Web | Servicemember |
| 03/11/2021 | Yes |
|
|
|
Web | |
| 03/10/2021 | Yes |
|
|
|
Phone | |
| 03/05/2021 | Yes |
|
|
|
Phone | |
| 03/04/2021 | Yes |
|
|
|
Web | Servicemember |
| 03/04/2021 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 03/03/2021 | Yes |
|
|
|
Web | Servicemember |
| 03/01/2021 | Yes |
|
|
|
Web | |
| 02/23/2021 | Yes |
|
|
|
Web | Servicemember |
| 02/19/2021 | Yes |
|
|
|
Phone | |
| 02/16/2021 | Yes |
|
|
|
Phone | |
| 02/12/2021 | Yes |
|
|
|
Web | |
| 02/10/2021 | Yes |
|
|
|
Phone | |
| 02/09/2021 | Yes |
|
|
|
Web | |
| 02/08/2021 | Yes |
|
|
|
Web | |
| 02/08/2021 | Yes |
|
|
|
Web | |
| 02/04/2021 | Yes |
|
|
|
Web | Older American, Servicemember |
| 02/03/2021 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 02/03/2021 | Yes |
|
|
|
Web | |
| 02/03/2021 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 02/02/2021 | Yes |
|
|
|
Web | Servicemember |
| 02/02/2021 | Yes |
|
|
|
Web | |
| 01/30/2021 | Yes |
|
|
|
Web | |
| 01/30/2021 | Yes |
|
|
|
Web | |
| 01/29/2021 | Yes |
|
|
|
Phone | |
| 01/26/2021 | Yes |
|
|
|
Web | |
| 01/26/2021 | Yes |
|
|
|
Web | Servicemember |
| 01/25/2021 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 01/22/2021 | Yes |
|
|
|
Phone | |
| 01/22/2021 | Yes |
|
|
|
Phone | |
| 01/21/2021 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 01/20/2021 | Yes |
|
|
|
Web | |
| 01/20/2021 | Yes |
|
|
|
Web | |
| 01/20/2021 | Yes |
|
|
|
Web | |
| 01/16/2021 | Yes |
|
|
|
Web | Servicemember |
| 01/15/2021 | Yes |
|
|
|
Web | |
| 01/15/2021 | Yes |
|
|
|
Web | |
| 01/13/2021 | Yes |
|
|
|
Web | |
| 01/07/2021 | Yes |
|
|
|
Web | |
| 01/05/2021 | Yes |
|
|
|
Web | |
| 01/04/2021 | Yes |
|
|
|
Web | |
| 12/31/2020 | Yes |
|
|
|
Web | |
| 12/30/2020 | Yes |
|
|
|
Web | |
| 12/29/2020 | Yes |
|
|
|
Web | |
| 12/28/2020 | Yes |
|
|
|
Web | |
| 12/28/2020 | Yes |
|
|
|
Web | |
| 12/26/2020 | Yes |
|
|
|
Web | |
| 12/22/2020 | Yes |
|
|
|
Web | |
| 12/17/2020 | Yes |
|
|
|
Web | |
| 12/15/2020 | Yes |
|
|
|
Web | Servicemember |
| 12/07/2020 | Yes |
|
|
|
Phone | |
| 12/07/2020 | Yes |
|
|
|
Referral | |
| 12/03/2020 | Yes |
|
|
|
Web | |
| 12/03/2020 | Yes |
|
|
|
Web | |
| 11/30/2020 | Yes |
|
|
|
Phone | Older American |
| 11/27/2020 | Yes |
|
|
|
Web | Older American |
| 11/23/2020 | Yes |
|
|
|
Phone | |
| 11/17/2020 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 11/17/2020 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 11/16/2020 | Yes |
|
|
|
Phone | |
| 11/16/2020 | Yes |
|
|
|
Web | |
| 11/13/2020 | Yes |
|
|
|
Web | |
| 11/12/2020 | Yes |
|
|
|
Web | |
| 11/12/2020 | Yes |
|
|
|
Web | Older American |
| 11/10/2020 | Yes |
|
|
|
Phone | |
| 11/04/2020 | Yes |
|
|
|
Phone | |
| 11/02/2020 | Yes |
|
|
|
Web | |
| 10/27/2020 | Yes |
|
|
|
Phone | |
| 10/21/2020 | Yes |
|
|
|
Phone | |
| 10/20/2020 | Yes |
|
|
|
Phone | |
| 10/20/2020 | Yes |
|
|
|
Web | |
| 10/20/2020 | Yes |
|
|
|
Web | |
| 10/15/2020 | Yes |
|
|
|
Phone | Older American |
| 10/14/2020 | Yes |
|
|
|
Web | |
| 10/09/2020 | Yes |
|
|
|
Referral | |
| 10/08/2020 | Yes |
|
|
|
Web | |
| 10/06/2020 | Yes |
|
|
|
Web | |
| 10/06/2020 | Yes |
|
|
|
Web | Servicemember |
| 10/03/2020 | Yes |
|
|
|
Web | Servicemember |
| 09/29/2020 | Yes |
|
|
|
Phone | |
| 09/23/2020 | Yes |
|
|
|
Web | |
| 09/23/2020 | Yes |
|
|
|
Postal mail | |
| 09/22/2020 | Yes |
|
|
|
Phone | |
| 09/21/2020 | Yes |
|
|
|
Phone | Older American |
| 09/21/2020 | Yes |
|
|
|
Phone | |
| 09/18/2020 | Yes |
|
|
|
Web | |
| 09/17/2020 | Yes |
|
|
|
Web | |
| 09/16/2020 | Yes |
|
|
|
Web | |
| 09/15/2020 | Yes |
|
|
|
Phone | Older American |
| 09/14/2020 | Yes |
|
|
|
Web | |
| 09/14/2020 | Yes |
|
|
|
Web | |
| 09/11/2020 | Yes |
|
|
|
Phone | |
| 09/10/2020 | Yes |
|
|
|
Web | |
| 09/05/2020 | Yes |
|
|
|
Web | |
| 09/04/2020 | Yes |
|
|
|
Web | |
| 09/04/2020 | Yes |
|
|
|
Web | |
| 09/04/2020 | Yes |
|
|
|
Referral | |
| 09/02/2020 | Yes |
|
|
|
Web | |
| 08/31/2020 | Yes |
|
|
|
Phone | Older American |
| 08/29/2020 | Yes |
|
|
|
Web | |
| 08/26/2020 | Yes |
|
|
|
Web | |
| 08/21/2020 | Yes |
|
|
|
Web | |
| 08/20/2020 | Yes |
|
|
|
Phone | |
| 08/13/2020 | Yes |
|
|
|
Phone | Older American |
| 08/12/2020 | Yes |
|
|
|
Web | |
| 08/07/2020 | Yes |
|
|
|
Referral | |
| 08/07/2020 | Yes |
|
|
|
Web | |
| 08/03/2020 | Yes |
|
|
|
Web | |
| 08/01/2020 | Yes |
|
|
|
Web | |
| 07/30/2020 | Yes |
|
|
|
Web | |
| 07/28/2020 | Yes |
|
|
|
Web | |
| 07/28/2020 | Yes |
|
|
|
Web | |
| 07/27/2020 | Yes |
|
|
|
Web | Servicemember |
| 07/21/2020 | Yes |
|
|
|
Web | |
| 07/18/2020 | Yes |
|
|
|
Web | |
| 07/16/2020 | Yes |
|
|
|
Web | Servicemember |
| 07/07/2020 | Yes |
|
|
|
Postal mail | |
| 07/03/2020 | Yes |
|
|
|
Web | |
| 07/01/2020 | Yes |
|
|
|
Web | |
| 06/30/2020 | Yes |
|
|
|
Web | |
| 06/30/2020 | Yes |
|
|
|
Web | |
| 06/30/2020 | Yes |
|
|
|
Web | |
| 06/27/2020 | Yes |
|
|
|
Web | |
| 06/25/2020 | Yes |
|
|
|
Web | |
| 06/20/2020 | Yes |
|
|
|
Web | |
| 06/19/2020 | Yes |
|
|
|
Phone | |
| 06/10/2020 | Yes |
|
|
|
Web | |
| 06/06/2020 | Yes |
|
|
|
Web | Servicemember |
| 06/05/2020 | Yes |
|
|
|
Web | |
| 06/03/2020 | Yes |
|
|
|
Postal mail | |
| 05/28/2020 | Yes |
|
|
|
Web | |
| 05/28/2020 | Yes |
|
|
|
Web | |
| 05/27/2020 | Yes |
|
|
|
Postal mail | |
| 05/27/2020 | Yes |
|
|
|
Web | |
| 05/18/2020 | Yes |
|
|
|
Web | Servicemember |
| 05/15/2020 | Yes |
|
|
|
Web | |
| 05/15/2020 | Yes |
|
|
|
Referral | |
| 05/14/2020 | Yes |
|
|
|
Web | Servicemember |
| 05/12/2020 | Yes |
|
|
|
Phone | Older American |
| 05/07/2020 | Yes |
|
|
|
Web | |
| 05/05/2020 | Yes |
|
|
|
Web | |
| 04/30/2020 | Yes |
|
|
|
Web | |
| 04/29/2020 | Yes |
|
|
|
Web | |
| 04/29/2020 | Yes |
|
|
|
Web | |
| 04/24/2020 | Yes |
|
|
|
Web | |
| 04/23/2020 | Yes |
|
|
|
Web | |
| 04/21/2020 | Yes |
|
|
|
Referral | Servicemember |
| 04/20/2020 | Yes |
|
|
|
Phone | |
| 04/18/2020 | Yes |
|
|
|
Web | |
| 04/16/2020 | Yes |
|
|
|
Web | Servicemember |
| 04/15/2020 | Yes |
|
|
|
Web | Servicemember |
| 04/13/2020 | Yes |
|
|
|
Web | |
| 04/13/2020 | Yes |
|
|
|
Web | |
| 04/12/2020 | Yes |
|
|
|
Web | |
| 04/10/2020 | Yes |
|
|
|
Web | Older American, Servicemember |
| 04/10/2020 | Yes |
|
|
|
Postal mail | |
| 04/09/2020 | Yes |
|
|
|
Phone | |
| 04/07/2020 | Yes |
|
|
|
Web | |
| 04/07/2020 | Yes |
|
|
|
Web | Servicemember |
| 04/06/2020 | Yes |
|
|
|
Phone | Servicemember |
| 04/06/2020 | Yes |
|
|
|
Phone | |
| 04/03/2020 | Yes |
|
|
|
Web | Servicemember |
| 04/03/2020 | Yes |
|
|
|
Phone | Older American |
| 03/30/2020 | Yes |
|
|
|
Referral | |
| 03/27/2020 | Yes |
|
|
|
Phone | |
| 03/25/2020 | Yes |
|
|
|
Phone | Servicemember |
| 03/23/2020 | Yes |
|
|
|
Web | |
| 03/18/2020 | Yes |
|
|
|
Fax | |
| 03/18/2020 | Yes |
|
|
|
Referral | |
| 03/18/2020 | Yes |
|
|
|
Web | |
| 03/14/2020 | Yes |
|
|
|
Web | |
| 03/13/2020 | Yes |
|
|
|
Phone | |
| 03/12/2020 | Yes |
|
|
|
Phone | |
| 03/11/2020 | Yes |
|
|
|
Web | |
| 03/10/2020 | Yes |
|
|
|
Web | |
| 03/10/2020 | Yes |
|
|
|
Web | Servicemember |
| 03/10/2020 | Yes |
|
|
|
Phone | |
| 03/05/2020 | Yes |
|
|
|
Postal mail | Older American |
| 03/04/2020 | Yes |
|
|
|
Web | |
| 02/26/2020 | Yes |
|
|
|
Web | |
| 02/25/2020 | Yes |
|
|
|
Referral | |
| 02/23/2020 | Yes |
|
|
|
Web | |
| 02/22/2020 | Yes |
|
|
|
Web | |
| 02/21/2020 | Yes |
|
|
|
Web | |
| 02/21/2020 | Yes |
|
|
|
Referral | |
| 02/19/2020 | Yes |
|
|
|
Phone | |
| 02/18/2020 | Yes |
|
|
|
Web | |
| 02/18/2020 | Yes |
|
|
|
Web | |
| 02/13/2020 | Yes |
|
|
|
Postal mail | |
| 02/11/2020 | Yes |
|
|
|
Web | Servicemember |
| 02/04/2020 | Yes |
|
|
|
Web | |
| 02/04/2020 | Yes |
|
|
|
Phone | |
| 02/01/2020 | Yes |
|
|
|
Web | |
| 01/28/2020 | Yes |
|
|
|
Web | Servicemember |
| 01/28/2020 | Yes |
|
|
|
Web | |
| 01/26/2020 | Yes |
|
|
|
Web | |
| 01/21/2020 | Yes |
|
|
|
Phone | Servicemember |
| 01/15/2020 | Yes |
|
|
|
Web | |
| 01/15/2020 | Yes |
|
|
|
Web | |
| 01/13/2020 | Yes |
|
|
|
Referral | |
| 01/09/2020 | Yes |
|
|
|
Referral | |
| 01/08/2020 | Yes |
|
|
|
Web | |
| 01/08/2020 | Yes |
|
|
|
Phone | |
| 01/05/2020 | Yes |
|
|
|
Web | |
| 01/02/2020 | Yes |
|
|
|
Referral | |
| 12/27/2019 | Yes |
|
|
|
Web | Servicemember |
| 12/25/2019 | Yes |
|
|
|
Web | |
| 12/20/2019 | Yes |
|
|
|
Phone | |
| 12/19/2019 | Yes |
|
|
|
Web | |
| 12/17/2019 | Yes |
|
|
|
Web | |
| 12/16/2019 | Yes |
|
|
|
Postal mail | |
| 12/16/2019 | Yes |
|
|
|
Web | |
| 12/14/2019 | Yes |
|
|
|
Web | Older American |
| 12/13/2019 | Yes |
|
|
|
Web | |
| 12/06/2019 | Yes |
|
|
|
Web | Servicemember |
| 12/02/2019 | Yes |
|
|
|
Web | |
| 12/02/2019 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 12/01/2019 | Yes |
|
|
|
Web | |
| 11/21/2019 | Yes |
|
|
|
Web | |
| 11/18/2019 | Yes |
|
|
|
Phone | Older American |
| 11/18/2019 | Yes |
|
|
|
Web | |
| 11/16/2019 | Yes |
|
|
|
Web | |
| 11/14/2019 | Yes |
|
|
|
Web | |
| 11/14/2019 | Yes |
|
|
|
Web | |
| 11/05/2019 | Yes |
|
|
|
Web | Servicemember |
| 11/05/2019 | Yes |
|
|
|
Web | |
| 10/31/2019 | Yes |
|
|
|
Phone | |
| 10/31/2019 | Yes |
|
|
|
Referral | |
| 10/28/2019 | Yes |
|
|
|
Web | Servicemember |
| 10/25/2019 | Yes |
|
|
|
Web | |
| 10/22/2019 | Yes |
|
|
|
Web | |
| 10/22/2019 | Yes |
|
|
|
Web | |
| 10/20/2019 | Yes |
|
|
|
Web | Servicemember |
| 10/16/2019 | Yes |
|
|
|
Web | |
| 10/14/2019 | Yes |
|
|
|
Web | |
| 10/10/2019 | Yes |
|
|
|
Postal mail | Older American |
| 10/08/2019 | Yes |
|
|
|
Phone | |
| 10/07/2019 | Yes |
|
|
|
Web | |
| 10/04/2019 | Yes |
|
|
|
Phone | Servicemember |
| 09/28/2019 | Yes |
|
|
|
Fax | |
| 09/27/2019 | Yes |
|
|
|
Web | |
| 09/26/2019 | Yes |
|
|
|
Web | |
| 09/18/2019 | Yes |
|
|
|
Phone | |
| 09/18/2019 | Yes |
|
|
|
Web | Servicemember |
| 09/17/2019 | Yes |
|
|
|
Web | Older American, Servicemember |
| 09/13/2019 | Yes |
|
|
|
Web | |
| 09/12/2019 | Yes |
|
|
|
Web | |
| 09/11/2019 | Yes |
|
|
|
Web | |
| 09/09/2019 | Yes |
|
|
|
Phone | |
| 09/09/2019 | Yes |
|
|
|
Web | Servicemember |
| 09/03/2019 | Yes |
|
|
|
Web | |
| 08/30/2019 | Yes |
|
|
|
Web | |
| 08/29/2019 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 08/23/2019 | Yes |
|
|
|
Web | |
| 08/21/2019 | Yes |
|
|
|
Postal mail | |
| 08/16/2019 | Yes |
|
|
|
Referral | |
| 08/16/2019 | Yes |
|
|
|
Phone | |
| 08/15/2019 | Yes |
|
|
|
Web | |
| 08/15/2019 | Yes |
|
|
|
Referral | |
| 08/07/2019 | Yes |
|
|
|
Web | Servicemember |
| 08/07/2019 | Yes |
|
|
|
Referral | |
| 08/05/2019 | Yes |
|
|
|
Phone | |
| 07/31/2019 | Yes |
|
|
|
Referral | |
| 07/30/2019 | Yes |
|
|
|
Phone | Servicemember |
| 07/30/2019 | Yes |
|
|
|
Web | |
| 07/24/2019 | Yes |
|
|
|
Web | Servicemember |
| 07/23/2019 | Yes |
|
|
|
Web | |
| 07/18/2019 | Yes |
|
|
|
Web | |
| 07/16/2019 | Yes |
|
|
|
Postal mail | Servicemember |
| 07/15/2019 | Yes |
|
|
|
Web | |
| 06/26/2019 | Yes |
|
|
|
Referral | |
| 06/24/2019 | Yes |
|
|
|
Phone | |
| 06/21/2019 | Yes |
|
|
|
Web | |
| 06/21/2019 | Yes |
|
|
|
Web | |
| 06/20/2019 | Yes |
|
|
|
Web | Servicemember |
| 06/19/2019 | Yes |
|
|
|
Web | |
| 06/18/2019 | Yes |
|
|
|
Web | |
| 06/10/2019 | Yes |
|
|
|
Web | |
| 06/10/2019 | Yes |
|
|
|
Web | Servicemember |
| 06/06/2019 | Yes |
|
|
|
Phone | Servicemember |
| 06/05/2019 | Yes |
|
|
|
Web | Servicemember |
| 06/05/2019 | Yes |
|
|
|
Web | |
| 05/31/2019 | Yes |
|
|
|
Web | Servicemember |
| 05/28/2019 | Yes |
|
|
|
Phone | |
| 05/28/2019 | Yes |
|
|
|
Referral | |
| 05/22/2019 | Yes |
|
|
|
Phone | |
| 05/21/2019 | Yes |
|
|
|
Web | |
| 05/21/2019 | Yes |
|
|
|
Web | |
| 05/16/2019 | Yes |
|
|
|
Web | Servicemember |
| 05/15/2019 | Yes |
|
|
|
Phone | Older American |
| 05/13/2019 | Yes |
|
|
|
Web | |
| 05/13/2019 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 05/10/2019 | Yes |
|
|
|
Web | |
| 05/07/2019 | Yes |
|
|
|
Phone | |
| 05/04/2019 | Yes |
|
|
|
Referral | |
| 05/03/2019 | Yes |
|
|
|
Web | Older American, Servicemember |
| 05/03/2019 | Yes |
|
|
|
Web | Servicemember |
| 05/03/2019 | Yes |
|
|
|
Web | |
| 05/02/2019 | Yes |
|
|
|
Web | Servicemember |
| 04/30/2019 | Yes |
|
|
|
Referral | |
| 04/25/2019 | No |
|
|
|
Phone | |
| 04/22/2019 | Yes |
|
|
|
Postal mail | |
| 04/20/2019 | Yes |
|
|
|
Web | Servicemember |
| 04/16/2019 | Yes |
|
|
|
Web | |
| 04/12/2019 | Yes |
|
|
|
Web | |
| 04/05/2019 | Yes |
|
|
|
Web | |
| 04/03/2019 | Yes |
|
|
|
Web | Servicemember |
| 03/23/2019 | Yes |
|
|
|
Fax | |
| 03/22/2019 | Yes |
|
|
|
Phone | |
| 03/21/2019 | Yes |
|
|
|
Phone | Older American, Servicemember |
| 03/21/2019 | Yes |
|
|
|
Referral | |
| 03/13/2019 | Yes |
|
|
|
Referral | |
| 03/07/2019 | Yes |
|
|
|
Fax | |
| 03/05/2019 | Yes |
|
|
|
Web | |
| 03/04/2019 | Yes |
|
|
|
Web | |
| 03/02/2019 | Yes |
|
|
|
Web | |
| 03/01/2019 | Yes |
|
|
|
Web | |
| 02/21/2019 | Yes |
|
|
|
Web | |
| 02/16/2019 | Yes |
|
|
|
Phone | |
| 02/15/2019 | Yes |
|
|
|
Web | |
| 02/13/2019 | Yes |
|
|
|
Web | |
| 02/11/2019 | Yes |
|
|
|
Web | Servicemember |
| 02/10/2019 | Yes |
|
|
|
Web | Servicemember |
| 02/06/2019 | Yes |
|
|
|
Postal mail | |
| 01/31/2019 | Yes |
|
|
|
Web | Servicemember |
| 01/30/2019 | Yes |
|
|
|
Web | |
| 01/25/2019 | Yes |
|
|
|
Phone | Servicemember |
| 01/25/2019 | Yes |
|
|
|
Web | |
| 01/23/2019 | Yes |
|
|
|
Web | |
| 01/23/2019 | Yes |
|
|
|
Web | |
| 01/09/2019 | Yes |
|
|
|
Web | |
| 01/03/2019 | Yes |
|
|
|
Web | |
| 01/01/2019 | Yes |
|
|
|
Web | |
| 12/29/2018 | Yes |
|
|
|
Web | |
| 12/21/2018 | Yes |
|
|
|
Web | Servicemember |
| 12/19/2018 | Yes |
|
|
|
Web | |
| 12/11/2018 | Yes |
|
|
|
Web | |
| 12/11/2018 | Yes |
|
|
|
Web | Servicemember |
| 12/07/2018 | Yes |
|
|
|
Web | |
| 12/05/2018 | Yes |
|
|
|
Web | |
| 12/04/2018 | Yes |
|
|
|
Referral | |
| 12/03/2018 | Yes |
|
|
|
Web | |
| 11/30/2018 | Yes |
|
|
|
Web | Servicemember |
| 11/27/2018 | Yes |
|
|
|
Fax | Older American |
| 11/26/2018 | Yes |
|
|
|
Web | Servicemember |
| 11/26/2018 | Yes |
|
|
|
Web | Older American |
| 11/20/2018 | Yes |
|
|
|
Web | |
| 11/17/2018 | Yes |
|
|
|
Web | |
| 11/10/2018 | Yes |
|
|
|
Web | |
| 11/09/2018 | Yes |
|
|
|
Web | |
| 10/29/2018 | Yes |
|
|
|
Web | |
| 10/15/2018 | Yes |
|
|
|
Web | |
| 10/12/2018 | Yes |
|
|
|
Phone | Servicemember |
| 10/09/2018 | Yes |
|
|
|
Web | |
| 10/05/2018 | Yes |
|
|
|
Web | |
| 10/03/2018 | Yes |
|
|
|
Web | Older American |
| 09/10/2018 | Yes |
|
|
|
Web | |
| 09/05/2018 | Yes |
|
|
|
Web | |
| 09/05/2018 | Yes |
|
|
|
Phone | |
| 08/31/2018 | No |
|
|
|
Fax | |
| 08/31/2018 | Yes |
|
|
|
Web | |
| 08/29/2018 | Yes |
|
|
|
Web | |
| 08/28/2018 | Yes |
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|
Web | |
| 08/28/2018 | Yes |
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|
Referral | |
| 08/27/2018 | Yes |
|
|
|
Web | |
| 08/24/2018 | Yes |
|
|
|
Referral | |
| 08/16/2018 | Yes |
|
|
|
Web | Servicemember |
| 08/15/2018 | Yes |
|
|
|
Referral | |
| 08/14/2018 | Yes |
|
|
|
Web | Older American, Servicemember |
| 08/14/2018 | Yes |
|
|
|
Web | |
| 08/13/2018 | Yes |
|
|
|
Phone | |
| 08/02/2018 | Yes |
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|
|
Referral | Servicemember |
| 08/02/2018 | Yes |
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|
|
Postal mail | |
| 07/20/2018 | Yes |
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|
|
Web | |
| 07/20/2018 | Yes |
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|
|
Referral | |
| 07/17/2018 | Yes |
|
|
|
Web | |
| 07/11/2018 | Yes |
|
|
|
Referral | |
| 07/09/2018 | Yes |
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|
|
Web | |
| 07/05/2018 | Yes |
|
|
|
Phone | |
| 06/27/2018 | Yes |
|
|
|
Web | |
| 06/20/2018 | Yes |
|
|
|
Web | Servicemember |
| 06/19/2018 | Yes |
|
|
|
Web | Servicemember |
| 06/18/2018 | Yes |
|
|
|
Web | Servicemember |
| 06/15/2018 | Yes |
|
|
|
Web | |
| 06/02/2018 | Yes |
|
|
|
Web | |
| 05/21/2018 | Yes |
|
|
|
Web | |
| 05/17/2018 | Yes |
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|
|
Web | |
| 05/03/2018 | Yes |
|
|
|
Web | |
| 04/18/2018 | Yes |
|
|
|
Web | Older American, Servicemember |
| 04/16/2018 | Yes |
|
|
|
Postal mail | |
| 04/12/2018 | Yes |
|
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|
Web | Servicemember |
| 04/07/2018 | Yes |
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|
|
Web | |
| 04/04/2018 | Yes |
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|
Web | |