LoanDepot Complaint

LoanDepot Mortgage department,

FHA mortgage Loan servicing, payments, escrow account California

I notified my mortgage lender that the State of - was going to pay taxes because I am - back in -/-/- in writing per RESPA rules regarding correspondence and the lender did not answer with in - days. I asked the lender to answer and to remove the taxes from my payment this request was made threw correspondence and over - phone calls, including - of - approval letter - that were sent to the mortgage company telling them the mortgage taxes would be paid for -/-/- and -/-/-. I asked that the impound account be removed and it was denied with no letter they told me when I called in because my loan is fha. I asked for the - in escrow since the taxes are paid for -/-/- and -/-/- by the state and they gave me a hard time and several times told me they do n't care about only - months cushion or RESPA that they have there own rules. It now -/-/- and they told me they mailed me a check -/-/- 16 days ago.

monthly for - which includes taxes for - x - = - which is more than - cushions as the taxes have been paid for -/-/- and -/-/-. They told me they did n't care because they rules trump RESPA. Although I have told them I elect to have the state - program for homeowners pay the taxes for 2 years so there is no need to include the taxes they want to hold the extra cash to the tune of - and they have n't paid me interest. -/-/- taxes are paid and I sent the proof so if the taxes are paid why would the lender collect the money on paid taxes? That they have proof of. Its predatory lending on the -. Where my interest on the escrow balance? The state gets the tax bill not them. I wrote and told them everything per RESPA no letter addressed any of it from - aka loan depot. Please help me I am -. I have become sicker and the phone for hours for 4 months - - - - - - and -. -.