Pacific Union Financial, LLC Mortgage Complaint

Pacific Union Financial, LLC Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Texas

My loan was sold a short time later to Pacific Union Financial, and serviced by -. Everything was fine until the servicing transfer to Pacific Union Financial. Every payment was made on time and in full. Pacific Union Financial sent us a letter, demanding almost $2000.00 to catch up our escrow account ''. I immediately called the servicer and they explained that our escrow balance was short, but they could not explain why. It was balanced at the beginning of the year, and the monthly escrow payment - is more than the amount of our taxes and insurance. They offered to send me a pay history to help me figure it out ( I thought that was their responsibility ). I asked them to note that the escrow account shortfall was in dispute, while I researched the pay history and that we would reconvene as soon as I had a chance to review their documentation. The documentation took three weeks to arrive, and it came when I was - -, so I did not have a chance to review it immediately. There was no further contact or instructions. This morning, someone stating they were with Pacific Union


not immediately pay the increased amount, that it would be recorded in our history as a short pay and that negative information would be reported to the credit reporting agencies. I explained to her that this is inappropriate, because I had not had enough time to review their documentation and that I considered their request to be disputed. At that point she became very argumentative with me - threatening all sorts of - and raising her voice. The call went over an hour with a very argumentative and harassing tone. We have never missed or short-paid a mortgage payment, since our first home was purchased over 20 years ago. We have an excellent credit history and payment history with this company and for them to use strongarm tactics and threats is very disappointing.