PHH Mortgage Mortgage Complaint

PHH Mortgage Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Minnesota

I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in - I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in - I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a - way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about - because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in - i receive a letter saying my escrow is short - $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday -/-/15 i was waiting on a - supervisor return call, and still have not received one. I also have to pay PMI which is costing me about - $ a year.