In November the mortgage company did their Escrow Analysis, for the New year coming. My mortgage payment had went up about ninty dollars more a month. I made several phone calls to them to explain why, my property taxes had only went up by twenty dollars, hazard insurance was the same and I had a fixed rate.
But according to their analysis one of my quarters had more than doubled.
After about the fifth phone call, they set up a research to my quiries they had a "Third party" managing my taxes and the report was made by them. They asked for proof of the correct tax amount which was forward from the local city hall tax department and then from myself about 4 times, each time they said they never received it.
Finally I sent certified copies to everyone involved and still called for them to make the necessary corrections; by now it's February. I made the old payment plus a little more. I always pay more than asked, however by March the payment came back because it was not enough, but I had paid Marchs' payment already the same amount. Now they returned that payment and it's April and it appears as if I am two months late on my note. Finally they say I have to send both payments together at the same time.
Now they have corrected their mistake. My payment goes back down in May. I am so frustrated I send whatever is required to make my account current. They have charged me late fees and reported me late to the credit bureau.
My issue is that I was never late. They returned the payments. They made the mistake on the analysis, and now I'm stuck with the negative report. How unfair. I tried explaining but know one really seemed to care because they had the uppper hand to utimately do the damage they wanted to do.
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