Carrington Mortgage Mortgage Complaint

Carrington Mortgage Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Alabama

In -/-/-, my mortgage was acquired by Carrington Morrgage Services, -, California, from - Mortgages. Since the acquisition, I have had nothing but unanswered problems. Beginning -/-/-, my escrow payment was raised from approximately - per month : - of which was/is PMI, to -. Carrington explained that - was to cover a projected escrow shortage and would only continue for 12 months. My home owners insurance was - in -/-/-, - in -/-/-. My tax was - both years. I had no escrow shortage from the previous year ( -- ). I requested an escrow analysis to explain how I could be - short on my escrow when total payments from escrow for taxes, PMI, and insurance -/-/--/-/- would be - and my escrow payin was - ( a potential shortage of - ). I received no answer and the woman was very rude. I have now paid - to my escrow account from -/-/--present. Despite the 12 months time line, I am still paying the extra - per month. My taxes, PMI, and insurance this year totaled -. I have called - times and requested a full escrow breakdown. I have yet to receive -. I have absolutely


unapploed funds account '' as a suspense balance ''. Currently, I have - in this account. I have been told they will only move those money if my account is current. Oddly, my account has been current, the funds have not been applied. I assume I am paying interest on my - of principal balance. I exhausted with this company. My minimum payment rose from - to -, and - per month raise is substantial for me as a single mother. I have paid almost - to escrow this calendar year, all that has been paid out of my escrow is - in PMI and insurance, yet my most recent statement shows an escrow balance of -. How?!?! I can not get an answer. My - requests for full escrow breakdown resulted in - rude conversations with - different reasons why I am paying almost - per year to escrow and NO escrow breakdown. A year and a half in, I still have never gotten an escrow breakdown. Nor have I found out when and where my suspense balance '' is applied. Please help, I beyond frustrated. I can not afford to continue paying - per month on a loan of - with a fixed 6.5 % rate.