Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

FHA mortgage Credit decision / Underwriting Arizona

During my refinance, I was told that I had an escrow shortage of roughly -, that needed to be paid. I have yet to receive an escrow analysis statement. When I called they indicated that my insurance increased by double. After calling the insurance company they indicated that was incorrect, my taxes had reduced and I should not have any shortage any where of this amount. meanwhile my payment will be increased by over - a month. Insurance company indicated that during my disbursement -/-/2015, it was paid twice which was refunded. I received a check -/-/2015 ; I called Freedom, and they told me it was my refund. I asked are you sure I do n't need to send this to you, they stated no. It is yours, now here we are a YEAR later and they are charging me for the refund they sent to me. How is this legal? No statement either? I want this charge to be reversed-since this was an error by Freedom not the consumer-ME.