Loan Care Mortgage Complaint

Loan Care Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Missouri

I had a mortgage loan through - Mortgage where the payments went up due to increased taxes and insurance. I got new cheaper insurance which was to be paid through my escrow balance, it never was. This caused my insurance to expire without my knowledge due to the notices being sent to the mortgage company. I was notified too late and had to purchase more expensive insurance myself. After this occurred - was investigating there error for me. Before the investigation was completed they sold my loan to Loancare a - -. After 3 months with Loancare they conducted a escrow analysis and increased my payments from $810.00 per month to $920.00 per month. I called to ask about this and they stated my escrow account was negative $1200.00 which needed to be paid back plus $800.00 which was to remain in the account at all times. This comes to $2000.00. After I broke down my payments from the information on my account out of the $920.00 only $440.00 was going to principle and interest and $470.00 per month was going to escrow. This comes out to me paying $5600.00 in escrow per year. When I called Loancare 's customer service I spoke with - ID number - who told me I owed $2000.00 in escrow and that 's why the payments were so high. After I explained the breakdown to - she stated that I did not know all the in 's and out 's of escrow and that 's why I do n't understand the gross over payment. When I asked if I could speak to someone who could explain this to me she stated there was no one else to talk to. - then told me she had already explained everything to me. When I asked for a supervisor she stated he was not available and I would have to leave him a message. I left a message and could not understand the name on the recording. The supervisor has yet to return my call.