Loan Care Mortgage Complaint

Loan Care Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Arizona

-/-/2016, I recieved a letter from LoanCare ( our new mortgage servicer ), which stated an escrow shortage. Our payments were going up by $300.00. We were given the option to pay the shortage and have a lower payment amount of approximately $1000.00. We agreed and paid $3300.00 -/-/- to cover the shortage amount. -/-/-, we received another letter from LoanCare stating that there is another escrow shortage in the amount of $480.00, and our payment for the next 12 months will be $1100.00. Our monthly escrow payment is $360.00. As per RESPA, the maximum amount allowed as a cushion in escrow would be $720.00. The statement shows an escrow balance of $860.00, but they are requiring even more. They require that we have $1300.00 in escrow. I called LoanCare today to inquire as to why they are requesting so much, and to tell them that Arizona State law has a maximum of 2x the escrow payment to be required for a cushion. They said to put it in writing and to email them. I do not feel that I should have to jump through hoops to get them to comply with RESPA guidelines, and have a higher payment in the meantime. In the past, they have hung up on us, failed to explain why we had a shortage to begin with, yelled at us, and flat out refused to do anything. They keep sending us pre-foreclosure notices, and letters stating they are going to do a home inspection at our cost. We 've paid -/-/- payment, and will be making -/-/- very soon. All of these shortage costs are causing a lot of financial stress. I do not feel this loan servicer is ethical, fair, or abiding by the laws. I am a victim here, and I feel that they are doing everything they can to force us into foreclosure.