Capital One Mortgage Complaint

Capital One Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Oregon

Capitol One Mortgage claims in -/-/- FEMA notified them that my house was now in a flood zone. Told them my house had not moved nor had the river. They did a forced-placed insurance policy for $3000.00 a year flood insurance, due to me not providing proof of flood insurance for -/-/- they again forced-placed flood insurance and added the cost of -/-/- and -/-/- coverage to my monthly payment in -/-/-. Which doubled my monthly mortgage payment. When inquired how they determined my house had managed to move itself into a flood zone they said FEMA notified them and gave FEMA 's - number to inquire myself. I contacted FEMA, who advised that my home was NOT in a flood zone. They did n't understand how Capitol One would think I was. FEMA sent me their maps showing my residence was indeed in the " - ''. Provided the maps to Capitol One who said the maps were n't enough proof, regardless of the fact that the map shows its from FEMA. The required a LOMA. Asked why I had to get an amendment since their was nothing to amend due to my house NOT moving into a flood zone. They did n't care they demanded a LOMA letter before they will consider removing the forced-placed flood insurance. The LOMA takes up to 60 days to get, I filed request on -/-/-. The adjusted mortgage payment did n't start until -/-/-, I made what I know to be my normal mortgage payment on time, they refuse to credit it to my mortgage because according to them it is n't the full payment. So they have my money and are just " holding it '' Well it 's my normal mortgage payment the part I have n't paid is their insurance payment. I have n't made " my normal '' payment for -/-/- yet because I pay on the last day of the month and they are already threatening foreclosure.