Consumer complaint received 2021-01-28
Company: SOUTHSTATE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a CenterState Bank Loan Summary Statement in XX/XX/XXXX which outlines the mortgage activity of my account for the year, breaking down by the payments they received from me and the payments made on my behalf from my escrow account. This statement identifies that it will pay my county taxes in XX/XX/XXXX in the amount of {$1200.00}. The determination of this amount is unknown as it is well below the amount of my annual tax statement. My annual tax statement reflects that if the taxes are paid by XX/XX/XXXX, the amount due is {$1700.00}. This amount gradually increases until XX/XX/XXXX, which maxes out at {$1700.00}. I received a monthly statement in XXXX which states that on XX/XX/XXXX, a disbursement was made for tax purposes in the amount of {$1900.00}. The determination of this amount is also unknown as it exceeds the amount of my annual tax statement. At the time of receiving the XXXX statement, my property taxes had still not been paid, nearly 4 weeks after the statement claims the taxes were paid. I contacted CenterState Bank where no one was able to give me any information regarding my escrow account. On XX/XX/XXXX I received a call from XXXX in the escrow department. She could not explain why the amount on the annual loan summary statement was so grossly different from both the amount paid and the amount due for my county property taxes. She also could not identify why my taxes had not been received by the county at that time. She assured me that she would speak with a manager, that my taxes would be paid, and the overage paid out of my escrow account would be put back in the escrow account by CenterState Bank, including the overage for missing the discounted rate by paying the taxes in XXXX, as two of CenterState Bank 's statements claim. On XX/XX/XXXX, I checked the status of my property tax payment. It still was not paid. XX/XX/XXXX made 10 weeks since CenterState Bank claims to have paid my county property taxes. I promptly left a message for XXXX to contact me as soon as possible regarding this issue. She returned my call on XX/XX/XXXX at approximately XXXX XXXX When she pulled up my account information, specifically my tax information, she stated that they have XXXX County listed in my account. I am a resident of, and my house is in XXXX County, Florida. As far as she could tell, my escrow funds were sent to XXXX County and have not been returned to CenterState Bank to date. She said that she would speak with her supervisor regarding this and that she should be able to overnight my property tax payment to the correct county, but she wasn't sure if they had to wait for the refund from XXXX County. 

I have attached the annual Loan Summary Statement, the XXXX statement, the original annual tax bill from XXXX County, Florida, as well as records from XXXX County Tax Collector showing that as of XX/XX/XXXX, at XXXX XXXX., my property taxes have not been paid. 

I feel as though CenterState Bank is recklessly handling my account and the funds that I put into my account. I have done exactly what I agreed to do when I took this mortgage with this company by making my payments on time every month since the outset and CenterState Bank is clearly not doing what they should be doing which is costing me additional money, as well as potential issues regarding my property if my taxes not being paid.

Company response to consumer: Closed with monetary relief