Consumer complaint received 2018-06-20
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was bought by Statebridge Capital, we believe in XX/XX/XXXX, since XX/XX/XXXX, we have had problems with them paying our taxes and homeowners insurance from our escrow account. We fixed the homeowners insurance non payment problem by calling Statebridge every year on XX/XX/XXXX when the insurance was due, and telling them to pay it. We would tell them both insurance and taxes were due, but it would seem they only paid the homeowners insurance. We have been asking Statebridge for statements of our escrow account, which they have not supplied. They did supply us once with XX/XX/XXXX, and part of XX/XX/XXXX. We need every year they have owned our mortgage. The Town of XXXX, N.Y. s property tax department was also a problem as to finding out when, and what taxes were due, it was all inaccurate, and you will find out why I made this statement later. The only way we could get rid of Statebridge owning our mortgage was to refinance, which we did, and that is when we found out they did not pay XX/XX/XXXX & XX/XX/XXXX taxes, as per my previous statement. They did not pay XX/XX/XXXX second half of our property taxes, and they didnt pay any of XX/XX/XXXX property or school taxes. Because when we found out the taxes werent paid, we questioned the tax dept. and Statebridge,  only to get the answer of, your taxes are paid. Everything was all messed up. 
We have been fighting with them since they purchased our mortgage. We are not allowed to speak with anyone in the escrow department, so its always, someone will get back to you, but no one ever does. When we refinanced, the title search company didnt pick up that the taxes werent paid, the only way we knew the taxes werent paid was because we received a certified letter from the town of XXXX stating the 2nd half of XX/XX/XXXXs property taxes, and XX/XX/XXXXs property and school taxes for that entire year was not paid.And because the title search company didnt pick up on the tax problem, they paid the {$2000.00} fine. The back taxes were paid by our current mortgage company, but all they did was add the debt to our current escrow account. So technically we are paying our taxes what I believe will be 3 times, because the first time we paid was when the money was paid into our original escrow account with Statebridge, but they never paid the taxes, we have no idea where the money went. The 2nd time was when our current mortgage owner asked us to pay the back taxes in our refinance closing costs because there wasnt enough money in the escrow account to pay for the back taxes that Statebridge owed. We thought the back taxes we owed was from XX/XX/XXXXs second half, but it was from XX/XX/XXXXs first half taxes Statebridge didnt pay. Now the 3rd time will be with our current escrow account, they added the back tax payment of XX/XX/XXXX and XX/XX/XXXXs to our current escrow account, increasing our current mortgage payment. 
Until we get our escrow account information I can only give best estimates to the amount owed to us. Which my best guess would be {$12000.00} to {$15000.00}.

Company response to consumer: Closed with explanation