U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Florida

US Bank Home Mortgage is the company handling my mortgage. Our agreement is that they are to pay our homeowner 's insurance from my monthly mortgage payments. Over the past 2 years handling our mortgage, we have received several cancellation notices from my homeowner 's insurance companies due to non-payment of the premium that was supposed to be paid by US Bank Home Mortgage. Because of this, we have had our homeowner 's insurance cancelled multiple times and had to switch insurance carriers on account of this issue. At one point, I was told I had 2 insurance companies at the same time and was paying both of them. Now I am paying $350.00 MORE than my regular mortgage payment PER MONTH. When I called the US Bank Home Mortgage to ask why, they told me it was because of all the insurance cancellations. They said there was a shortage of over $4000.00 that needed to be paid off by me through my mortgage payments. I have never missed a payment nor have I ever not paid the amount in full. I paid Us Bank Home Mortgage what I owed " including the insurance money '' and because they did not pay the insurance company, I have this predicament. I do not feel that I should be held responsible for the mistakes of Us Bank Home Mortgage. I feel that per our agreement with them, they should be making regular payments to the insurance companies from my monthly payments so my insurance is not cancelled all the time. I live on a - basis and I can not afford this. My mortgage was for $140000.00 with est $1100.00 a month mortgage payments. I now have to pay $1500.00 a month for the next 12 months to pay off their mistake.