Loan Care Mortgage Complaint

Loan Care Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Washington

I refinanced my loan, and had an escrow balance of $1900.00 to be refunded to me when I looked at my account after it had been paid off. When I received the check, they shorted me $100.00 and only paid me $1800.00. I called and they said it was Mortgage Insurance paid on -/-/16 when my refinance closed on -/-/16. They said it was in arrears. I asked my lender if this sounded right he said no that they only way that would happen is I 've been late or missed a payment. I 've never been late on a payment, my Mortgage Insurance started with my first payment and I should n't have been shorted. I would like help with this please.