American Financial Resources, Inc. Mortgage Complaint

American Financial Resources, Inc. Mortgage department,

FHA mortgage Loan servicing, payments, escrow account New York

My mortgage loan was modified in - by - - at that time an escrow analysis was completed and my payment increased $17.00. My loan was transferred to American Financial Resources in - -. I recently recieved a statement from this company advising that I have an escrow shortage of $2000.00! I called and spoke with a customer service rep who was rude, and basically told me yes the previous servicer did not complete an escrow analysis which is a direct result of the large shortage but we cant do anything about that now as the new servicer and the funds were already advanced to pay your taxes. This is a clear RESPA violation that no one wants to take responsbility for and put it on the consumer. This money should not be only me to come up with this is the servicers error and they should take full responsibility and take the loss! I then emailed the servicer requesting an escrow spread as I do not have the funds to pay the shortage in full and beginning -/-/- they are increasing my payment $180.00 to cover the shortage over 12 months. I can not afford this error that was not mine I pay my mortgage payment and it is the responsibility of the servicer of my loan to pay my taxes and insurance out of my escrow account and to also review annually to ensure funds are available for these advancements. I am a single mother, living paycheck to paycheck and i refuse to be taken advantage of my money is hard earned! I have not heard anything back from the request to spread the escrow shortgage over 5 years and the request was sent -/-/-. I will not stop here with the complaints I will make a RESPA complaint as well as go to the media and social media if necessary, please help!