Date Received: 2020-06-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: wednesday, XX/XX/2020 dear Consumer Financial Protection Bureau Representative : this company is trying to commit FRAUD! my monthly payments have been set for at least five ( 5 ) years to reflect {$1800.00}! this company has Illegally tried to change the payment amount during the coronavirus pandemic going on and now they want to Illegally make me pay about {$30.00} to {$40.00} dollars more per month for a fake/untrue/invalid reason given! this Illegal Increase is NOT part of their agreement with ME and i have the PROOF FROM MY BANK SHOWING ALL OF THE MONTHLY PAYMENTS THAT this company took from ME since day one until the coronavirus started! moving forward : NOT only do they want all Three ( 3 ) months paid in full, but they are NOT willing to spread out the payments for at least 12 months! they want to make me pay double for Three ( 3 ) months! you call this LEGAL! even XXXX XXXX does NOT do this to their customers! XXXX XXXX adds on the Three ( 3 ) months to the end of the loan in additional monthly payments. so Why did they offer ME a forbearance to begin with if they want their money in three ( 3 ) months at Double the Payment? furthermore, they even ILLEGALLY TRIED TO RAISE MY MONTHLY PAYMENT AS EXPLAINED WITH NO LEGAL REASON GIVEN! moving right along : ONE THING THEY TRIED TO DO WAS WRONGFULLY ACCUSE ME OF NOT HAVING HOMEOWNER 'S INSURANCE! I MAY have gone without it for like ONE MONTH, but NOT FOR A FULL YEAR as they are trying to FALSELY CLAIM! furthermore, i have always had insurance and this company ILLEGALLY added on a BOGUS {$600.00} OR SO FEE ( AND CLAIMED THAT I DID NOT HAVE INSURANCE FOR A YEAR OR SOMETHING LIKE THAT )! a total LIE! ================================================================= here is a copy of the complaint letter that i had already sent out to the Shellpoint Mortgage Servicing Company by email for your reference and further review. thank you. wednesday, XX/XX/2020 regarding : XXXX regarding : XXXX XXXX XXXX XXXX XXXX, XXXX, california XXXX XXXX SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX # XXXX XXXX, Ohio XXXX Fax : ( XXXX ) XXXX & XXXX XXXX XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & XXXX : ( XXXX ) XXXX & XXXX : ( XXXX ) XXXX & ( XXXX ) XXXX & XXXX XXXX SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX # XXXX XXXX, South Carolina XXXX Fax : ( XXXX ) XXXX & XXXX XXXX XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & Fax : ( XXXX ) XXXX & XXXX : ( XXXX ) XXXX & ( XXXX ) XXXX dear XXXX XXXX, i understand the 3 payments owed ... ... but the payments have been set since the very beginning of when the loan started of : {$1800.00} and that is what i am paying for the missed payments x 3 missed forebeared payments! please NOTE : if i have to file an additional complaint against YOU for FRAUD in trying to STEAL EXTRA MONEY FROM ME THAT I DO NOT LEGALLY OWE YOU with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau then i will! but i am NOT paying any more than what i have been paying all along! i have the BANK 'S PROOF OF ALL OF THE PAYMENTS THAT YOUR COMPANY TOOK FROM ME FROM DAY ONE ( 1 ) AND I CAN GET A PRINT OUT TO SHOW EVERY PAYMENT MADE TO YOUR COMPANY FOR LEGAL EVIDENCE! enclosed, in the attachment, please find a picture showing You the LAST payment that Your Company Took Out Of My Bank Account for your reference and further review. thank you. once again, i am comfortable with the {$1800.00} payment. do NOT make go to EXTREMES OF HAVING TO FILE ADDITIONAL COMPLAINTS AGAINST YOU FOR " NEGLIGENCE ''! XXXX XXXX XXXX ANGRY AND XXXX OFF CUSTOMER /hps enclosure : picture showing what YOU took out of my bank account back in XX/XX/2020 for your reference and further review. thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Newrez began servicing my mortgage XX/XX/2020. Ive had problems from the start. First they paid the wrong insurance company {$1800.00} I called them and made an online payment to escrow for {$1800.00} so they could pay the correct insurance company and waited to receive my refund for the cancelled insurance. On XX/XX/XXXX, XXXX I received notice that my hazard insurance had expired and they planned to buy insurance for my property. I again called them and gave my insurance company ( Foremost ) and policy number, XXXX. For some reason Newrez could not get the premium paid to XXXX but my insurance was still in effect. On XX/XX/2020 after receiving another request from XXXX for payment, I managed to get representatives from both companies together on a three way call. Finally, they got it straightened out. Newrez claimed nothing would change but the first thing they messed up was dropping the extra {$10.00} principle XXXX was processing. I decide to wait a couple of months and then add the extra back to my payment. I paid {$850.00} from XX/XX/XXXX thru XX/XX/2020. On XX/XX/XXXX they deducted {$990.00} and tell me that is my new payment. My hazard insurance is {$1400.00} per year, my taxes $ {$1500.00} for a total of {$3000.00} or {$250.00} per month necessary to pay both from my escrow account. They want a required cushion of {$500.00}. What law requires me to furnish them an interest free loan? My payment record and credit score should reassure them that the bills will get paid. After all, I paid the {$1800.00} to allow them the funds to pay XXXXXXXX. By my calculations, my new mortgage payment should be {$870.00} NOT {$990.00}. Thank for any assistance you can give me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: It has now been four months since we requested a release for the vacant lot adjacent to the single family home that Shellpoint Mortgage Servicing obtained when they took over the loan servicing agreement on from XXXX on in late XXXX. On XX/XX/XXXX, I requested a partial release of this vacant lot. On XX/XX/XXXX, all required documents were submitted to Shellpoint Mortgage Servicing. I have had a purchase agreement for this vacant lot since early XXXX, XXXX, and always expected that some or all of the proceeds from the sale of the vacant lot would be used to reduce the principal on the mortgage. The failure of Shellpoint to proceed in a timely manner has caused me significant financial harm and duress. I have had to negotiate an extension to the purchase agreement multiple times. As well, the purchase agreement has again expired and I am attempting to revive it. Shellpoint has failed to make a timely response to these purchase agreements. Permission to spend the money to get an appraisal of the vacant lot and the house came nearly three months after all of the documentation required by Shellpoint for the partial release were provided by me. The appraiser showed up on XX/XX/XXXX. Shellpoint now claims that I made 2 late payments past the 30 day due date This is a lie. One payment was recorded by Shellpoint as late when Shellpoint took over from XXXX and they were in transition. It was paid on time. One payment arrived on the day due, ( I have USPS records ) but was not processed on time. I always send my payments USPS with delivery confirmation. Shellpoint is using this falsehood to excuse their failure to do their job in a timely manner. Shellpoint does not respond to phone calls or emails. I am forwarded to customer service and then to various departments who do not know what is going on or do not exist. I receive letters but no responses to my replies. I have written twice to the Executives and CFO of both Shellpoint and parent company NewRez by certified mail and received no response. I have never encounters a company that is more willfully and intentionally dodging doing there job. Please HELP!
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Met with my lawyer today he was not able to get answers from shell point mortgage and is very frustrated he received a paper from them that now says I owe even more to them over XXXX so he is filing a court date for fraud charges against them. I also want to sue for damages and violations or I'm hoping you will step in to correct this matter and help me I really don't know how this works can someone email me with any information about what happens now? Against shell point? Thank. I already have a complaint on file with you number XXXX my name XXXX XXXX XXXX is the last name on the mortgage my email is XXXX my phone is XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I want the XXXX correctly applied to principal and backdated to XX/XX/XXXX. I want a revised amortization schedule. I want the correct balance reflected on the customer portal. Background : On XX/XX/XXXX my bank sent a check for the above numbered mortgage for XXXX. This amount was calculated to pay an additional XXXX on principal balance by XX/XX/XXXX. Instead NewRez applied a portion of the money toward Principal, interest, taxes, insurance, for XXXX of XXXX and applied the remaining amount to principal. I have been trying ever since to get the funds properly applied - per the company policy all additional funds are to be applied to principal. I have been getting nothing but the run around, excuses and form emails that do not address the error that was made on my account. I contacted NewRez about this matter on the following occasions : XXXX - spoke with Mr. XXXX ( Mr. XXXX was professional and polite ) XXXX - wrote email XXXX - Spoke with XXXX who said " ticket submitted should be resolved in 24 hours ( XXXX was professional and polite ) XXXX - wrote email XX/XX/XXXX - still not resolved wrote and spoke to NewRez refi person XXXX who also submitted a ticket on my behalf XX/XX/XXXX sent messages via portal that matter still not resolved XX/XX/XXXX spoke to XXXX call dropped, called back and spoke to XXXX XXXX who was at times extremely rude and condescending and made excuses and had trouble counting- " It can not be escalated until 5-7 days '' -even though the initial request was on XXXX XX/XX/XXXX sent a message to the CEO via XXXX XX/XX/XXXX Spoke with XXXX XXXX said that there was a note indicating that the issue would be or should be corrected by XX/XX/XXXX and that she was adding a note telling how the extra payment should have been applied. ( XXXX was professional and polite ) XX/XX/XXXX portal still not updated spoke with XXXX called dropped as I was on hold waiting for a supervisor. ( XXXX was professional and polite ) Called back was directed to a supervisor XXXX XXXX who told me that the department was behind and that there was no one else that I could speak to that could help me with this matter or explain why the additional funds were not applied to principal as stated in the company 's written policy. Not helpful.
Company Response: Company believes the complaint is the result of a misunderstanding
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A payment I mailed on XXXX was received by Shellpoint Mortgage Servicing and posted to my bank account onXX/XX/XXXX. However, Shellpoint did not apply this to my mortgage and shows my mortgage as being delinquent. I have spoken to Shellpoint on at least 4 occasions. I have sent a copy of the cashed check on 3 occasions. Shellpoint acknowledges having the copy of the cashed check with their endorsement on it. They have been unable to identify the reason for the payment not being reflected on my account. In the meantime, they continue to send increasingly aggressive letters stating their intentions to collect this debt. I have tried to provide all of the information necessary for Shellpoint to rectify this problem. I am at a loss of what to do. Your help would be of great assistance.
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed a mortgage in XX/XX/XXXX and Shellpoint is the servicer, they set up an escrow account and have been collecting monthly for the taxes and insurance. As of XX/XX/XXXXthe escrow balance was {$9300.00}. My XX/XX/XXXX taxes were not paid and I am showing delinquent and there are penalties and interest accruing. When I brought this to there attention they told me to send a letter so they can open an investigation. Since then I have been sent 3 letters and they are claiming that they never set up an escrow account yet they have been collecting almost {$700.00} per month, All the customer service reps seem to be concerned about is trying to set up a meeting with a HUD counselor and don't have any authority to do anything. At this point I want them to return the funds in the escrow account and reimburse me for the penalties and interest. I will pay my own taxes and insurance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95391
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My original loan servicer, XXXX XXXX XXXX, filed for some type of bankruptcy protection in XX/XX/XXXX. In XX/XX/XXXX, my loan servicing was transferred to NewRez. At that point in XXXX, I was making payments bi-monthly of slightly more than 1/2 of the required payment each month ( I was paying {$670.00} to XXXX twice monthly for a total of {$1300.00} per month ). My monthly payment required was {$1300.00}. The excess payment that had accrued each month was being held as " unapplied funds '' and had in XXXX grown to approximately {$550.00}. I received several notifications in the mail of the transition and made arrangements with my bank to transition the automatic {$670.00} payments from XXXX to NewRez after the transfer date of XX/XX/XXXX. Since then, I have been receiving notices by email and conventional mail that I am late and that my escrow has a deficit that I need to repay. I have called three ( 3 ) different times to attempt to resolve the issue. After the last call on XX/XX/XXXX, I made an additional payment of {$750.00} to attempt to resolve the issue. During the three ( 3 ) different phone calls I asked for guidance on several issues including escrow, how to use the NewRez website to gather information about my loan, etc. However, the primary reason for my complaint, is that I have asked for specific information about the payment history of my loan and an accounting of the transfer of the loan from XXXX to NewRez. I specifically asked for information about how the " unapplied funds '' were transferred and how, if I continued making payments at the same frequency and amounts, am I getting late notices and fees? I was never provided this information by phone, email, or phone. I can not find this information using the online portal. I was told on the first two ( 2 ) phone calls that some sort of representative of NewRez was going to look into my loan documents and call me back with information on the questions I noted above. I never received a call from NewRez. During the last phone call, the representative suggested that making an intermediate payment of {$750.00} to " catch the payments up '' would be beneficial and possible remove the issue. I made that payment on XX/XX/XXXX and the amount of {$750.00} was debited from my bank account on the next day. However, that payment is not showing in the payment history on the online portal and has not been applied to my account. Today, XX/XX/XXXX, a late fee of {$41.00} was assessed to my loan. That was the final " straw '' for me to start this complaint with you, the CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Subject Property : XXXX XXXX XXXX, XXXX, NC XXXX Borrower : XXXX XXXX. XXXX, ( decease since XXXX ) heir, XXXX XXXX XXXX, ( son ) Does Shellpoint Mortgage Servicing and I, the mortgagor, have a fiduciary relationship in existence? As petitioner, my Breach of Mortgage ( claim of breach ) comes forth against NewRez dba Shellpoint Mortgage Servicing, NMLS ID XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, who established a mortgage modification with me, a client since XX/XX/XXXX, which initiated a modified loan and was finalized XX/XX/XXXX. On XX/XX/XXXX, under the counsel of Shellpoint, Loss Mitigation, I signed a borrowers agreement, and submitted Dodd Frank, IRS T4506, banking statements, tax documents, check stubs, probate documents, and a quit claim deed to Shellpoint. I Upon review, Shellpoint completed its investigation and approved a modification for the existing loan which instructed me to skip the XX/XX/XXXX payment and proceed to XX/XX/XXXX as the first payment due for first trial period payments. I received a letter from Shellpoint attesting this new trial period which admonishment the requirement of the trial period. Loss Mitigation did speak of once completing this trial period, it would then look into what interests to start an assumption program for this loan. Unlike the first trial period initiated XX/XX/XXXX and finalized just a few short days after the XX/XX/XXXX payment, Shellpoint failed to produce a modification finalization document for me to sign, but submitted that I needed to continue this course of payments and I would be contacted periodically just to stay in touch, which meant that the promise of an assumption was still on the table but everything was final including the arrears which was about 45 days behind and the additional 30 days for the XX/XX/XXXX, payment which Shellpoint said not to make because of the new schedule of payments due. Has Shellpoint Mortgage Servicing shown deception or deceit in this contract in any way? My complaint is, since XX/XX/XXXX, I have been committed to the mortgage payments under this new modification trial period which completed XX/XX/XXXX, and there since have been making on-time payments to Shellpoint for the existing loan contract where the mortgage statement does not show payments for XXXX XX/XX/XXXX. About the mid of XX/XX/XXXX, I received an email from a BCHH agency requesting that I contact them as soon possible to discuss documentation for an assumption loan, but the email did not mention they were under contract from Shellpoint at that time. I immediately reached out to my Shellpoint point of contact, XXXX XXXX, to verify her knowledge of XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX, Ph # XXXX XXXX XXXX. XXXX XXXX. It took too long for her to return this verification, but finally acknowledged that XXXX was contracted by Shellpoint to set up assumption documents. The acknowledgement took about 7 to 10 days. At that point, I made the point to Miss XXXX that I did not wish to fulfil the assumption side of the program, because I had committed in writing in US District Court as pauper applicant that I did not own property. In a letter dated XX/XX/XXXX, Shellpoint informed me that this loan was being transferred to XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX, Ca., effective XX/XX/XXXX. Shellpoint would no longer accept payments, but I should start sending payments to XXXX. Also, Shellpoint had been showing and mortgage payment arrearage of concluding with XXXX totaling {$2000.00}. I challenge the idea, that since XXXX I, XXXX, Shellpoint had promised that the new modification was the solution to my 45 day arrearage, which Shellpoint then contributes an additional 30 days by entering a contract for a new modification, that is, the arrearage should had gone down to 0 and my on-time performance since should had been honored. Instead, Shellpoint failed in its essence and responsibility to uphold this track record and submits to XXXX XXXX, an arrearage which is subject to foreclosure or forbearance. In reality it would be an error ot enter the contract and cause the arrearage to grow 30 days. Any such thing, either forbearance or foreclosure proceedings would harm me in a reckless, malicious, intentional and abandoning way. Shellpoint failed to explain to me explicitly, the ramifications of harm should I not complete the assumption documents late in XXXX. In XX/XX/XXXX, Shellpoints modification package didnt need to include an assumption program clause, which Shellpoint itself admits that modification and assumption are two separate programs, which I challenge that to mix the two issues is a deceptive and shrewd business tactic. In fact, a duty of care exists in this case where there is a fiduciary responsibility to inform me, as a mortgagor, the clear-cut obligations to follow through on this modification venture to achieve the assumption. But first, why not finalize the modification of XX/XX/XXXX, as did XX/XX/XXXX. But we do guess, the assumption facts are reckless, misleading, and not entirely true ; wherefore, to pass this through a serious transaction to XXXX, is hasty and was hurried. What Shellpoint was obligated to do was clearly present a modification application which it did process and approve. Shellpoint did present a trial period for payments. Shellpoint failed not to present a clear understanding and commitment to the modification as we see, never present me with a final modification contract to sign which was due in mid to late XXXX. Instead remained ambiguous in meaning unaware of what upstairs ( the executives ) was planning in its capacity to sell the loan agreement to XXXX. It is a question whether this might be considered under the reigns of unfair business, not to mention the misinformation involved. It is mismanagement/misinformation because of the absenteeism of a clear finish/finalization similar to that of XX/XX/XXXX. We did not come forth in XX/XX/XXXX to finalize but mismanaged the situation while misleading me on assumption tie-in. This we understand good and well that the assumption is an independent contract. Then all of a sudden, we need to be in this gigantic hurry to get this done by an outsider which might be, but though to be sloppy. According to XXXX XXXX XXXX, United States District Court Judge, for the XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX ) in order to establish a claim of breach of contract under New York law, a petitioner must demonstrate ( i ) the formation of a contract between the parties ; ( ii ) performance by the petitioner ; ( iii ) failure of petitionee to perform ; and ( iv ) damages. So, here and now we must determine a fiduciary relation which a relationship in which one party places special trust, confidence, and reliance in and is influenced by another who has a fiduciary duty to act for the benefit of the party called also confidential relationship fiduciary relation see also fiduciary duty. NOTE : A fiduciary relationship may be created by express agreement of the parties, or it may be imposed by law where established by the conduct of the parties. Typical fiduciary relationships exist between agents and principals, attorneys and clients, executors or administrators and legatees or heirs, trustees and beneficiaries, corporate directors or officers and stockholders, receivers or trustees in bankruptcy and creditors, guardians and wards, and confidential advisors and those advised. The petitioner asserts, he is able to present documentation as Exhibit A, a letter from XXXX XXXX XXXX attesting to contract Notification of Assignment, Sale or Transfer of Your Mortgage Loan, dated XX/XX/XXXX. Exhibit B, a XXXX XXXX Statement attesting to a transferred debt of {$2000.00} which might be before this institution as fraudulent, dated XX/XX/XXXX. Exhibit C, a Shellpoint Mortgage Servicing Modification Loan Agreement in its final stage, dated XX/XX/XXXX Exhibit D, a borrowers application for XXXX dated, XX/XX/XXXX, establishing the second modification loan Exhibit E, a Shellpoint Mortgage Statement establish a trial period and debt unresolved, XX/XX/XXXX. Exhibit F, a XXXX XXXX XXXX XXXX XXXX Statement attesting to the fact that checks were drafted by Shellpoint for payment of XXXX- XX/XX/XXXX without Shellpoint fully crediting the payments, and leaving the loan subjected to forbearance and foreclosure proceedings. Exhibit G, email from BCHH agency requesting contact. Exhibit H, a Shellpoint history of payment Exhibit I, letter from XXXX requesting Information for Loss Mitigation Evaluation and the application for payment arrangement program, dated XX/XX/XXXX For the foregoing reasons here presented, this petitioner declares that the petitionee has committed a Breach of Mortgage.
Company Response: Company disputes the facts presented in the complaint
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with NewRez/shellpoint mortgage. They purchased the loan from my prior lender. I received a letter my terms are the same as originally signed in loan documents. On XX/XX/2020 my homeowners insurance was due. It was NOT paid. I contacted them XX/XX/2020 asking why payment was disbursed from my escrow account that has ample funds to cover the policy Amount. Also let them know the insurance company would need that payment before XX/XX/2020. On XXXX received an email and letter stating they will look into it. XX/XX/2020 I emailed why payment still hasnt been made. They stated they would resolve it and apologized. On XX/XX/2020 I received an email stating they incorrectly were told by prior lender that I pay that on my own- A self admitted mistake. I then said that was not my original loan terms and moreover why would escrow account exist if I pay that myself. The Insurance policy was canceled. And had to be rewritten. Now its just about Doubled in price this year and foreseeable future. Im so irate. Then I get a letter my property taxes has NOT been paid either. I spoke with numerous reps and managers on XX/XX/2020. They state they will cover any overages and fees but need to get okay from another internal department to cover those costs. Its XX/XX/2020 and I still havent gotten a reply. My home is in peril without insurance. They are incompetent and nothing gets resolved. I was told a check was issued to state tax Dept. Yet they cant provide check info or date. Also its not a personal check where its written and funds withdrawal after its cashed. Its an escrow account. Funds are withdrawn from my escrow then a check gets issued. They have put me in such a mess with no answers. Ive filed complaints with XXXX and their company. I need help to hold them accountable. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A