Arbor Residential Mortgage LLC Mortgage Complaint

Arbor Residential Mortgage LLC Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Florida

This is a response for case number -. I am unable to gain access to the established account. To recap, I was diagnosed with - - around -. Initially, I did not have insurance. The medical costs placed me in a financial deficit that also resulted in pre-foreclosure. Through the good graces of the Florida Hardest Hit Fund, I was able to keep my home. - is the mortgager and - is the servicer. However, - sent me an account statement dated - -, - ( see attached documentation ) indicating that total amount ( arrears plus principal ) due was $28000.00. On - -, - - paid - $8500.00. I received account statement dated - -, - indicating that total amount due after application of the - -, - disbursement was $23000.00 with a monthly payment of $230.00. On - -, -, - paid - $12000.00. I received an - -, account statement indicating a monthly payment of $230.00 and principal balance of $13000.00. The - -, -, statement showed a monthly payment jump to $310.00 even though all required payments including monthly mortgage, were made on time. It also reflected continued extraction of escrow payments for PMI, taxes


the complaint to the CFPB, PMI was dropped without credit for previously incorrectly extracted funds and monthly payment per the - -, statement increased to $990.00 ( see attached ). At inception my mortgage was approximately $130.00. - has levied charges for items such as $430.00 for property repairs that never happened. I have lived in this property since inception. I repeat for emphasis, that I believe that - and - is attempting to steal government funds and force me back into foreclosure. Please take a close look at the documents I have provided. I am trying to determine the fair principal and monthly payment owed after the correct application of FFH funds. I need all escrow charges refunded to me as they were applied incorrectly at best, fraudulently at worst. They did not pay property taxes. I did ( see attached documentation ). Nor, have they provided proof of insurance effective prior to the date of my complaint to the CFPB. How can monthly payments fluctuate so dramatically at the whim of the servicer on a fixed rate mortgage that is not in default? PLEASE HELP!