Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

VA mortgage Loan servicing, payments, escrow account Alabama

I have been charged late fees and have received late notices as a result incorrect information. This is in regards to my account. I am certain this is a result of my escrow account ( homeowners insurance ), where they say I have insufficient funds to pay my homeowners insurance. The insufficient amount is approximately around $1.00 - - $2500.00. I can not understand this negative balance. I do suspect the amount is not correct just by virtue of having made all of my scheduled payments without any being past due. They sent me a notice in - 2016 stating my monthly payment would rise from $370.00 to $540.00. In order to start to pay down the insufficient escrow balance and it would be current in one year. I disputed over the phone w/ a Freedom Mortgage Representative. They said their records indicated I had a negative escrow balance. At which time I accepted their analysis and stated, I could not afford to pay $540.00. And I requested a smaller payment amount where it would take a year longer to reach a positive escrow balance. A representative was able to make the necessary arrangements where my new payment would be $450.00 for 2 years. I started making that payment amount in - 2016, - 2016 and - 2016. Each month was paid on time and before the late date. I have the cleared checks from my financial institution to verify all payments.