Siwell Inc Mortgage Complaint

Siwell Inc Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Florida

Since we began receiving mortgage statements our servicer had our account listed as convention, though we in fact have an FHA loan. We have called many times in the last three years to remind them that we have an FHA loan and to be sure that they ahve been making our FHA MIP payments. At the end of - I spoke with - at ext. - who stated that their system was not updating FHA MIP due dates as the payments were being made and first analysis ( -/-/- ) reflected an escrow negative over $900.00. She double checked payments and dates, found the error and re-ran analysis which then reflected a surplus. I asked her to re-analyze the account because I did not want her to refund escrow money that was for MIP payments. We were assured that the FHA premiums were being paid and in - - we received an escrow refund


When we recently received our - statement for - it showed no FHA premium payments. We contacted our servicer who researched the account and stated that they had made the payments to FHA for our account for the last three years. I explained that a year earlier I was assured that the payments were made and even received an escrow refund. I was told that the escrow refund would not have anything to do with our FHA MIP because the payments were being taking by the lender but that they had failed to remit those payments and that this error would not affect our escrow balance. The servicer said that we would receive a revised - statement that would reflect three years of premium payments because they had not reported those payments on the prior years ' statements. Today I received - substitute - statements. The first showed MIP $2500.00 and - - escrow balance of & -. I called to find out why the amount was low and was told that they may only be able to show one years worth of premiums on the statement and that they would get back to me. I then received by email another revised - showing MIP $7300.00 and - - escrow balance of $71.00. I emailed back concerned with the fact that now, in - -, they have changed my 2015 year end escrow balance and now I am missing $4700.00. I had been assured on more than one occasion that our account was correct. I was told that their error would not affect our escrow account. Now I can not trust their accounting and am concerned that I have no way of ensuring proper application of our funds. FHA has confirmed that our account was not past due yet my servicer says that as of today they still had not paid all of the premiums due. I can not believe what they tell me.