Consumer complaint received 2016-01-21
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My servicer/lender has sent me an Escrow Account Disclosure Statement as required and in it they have changed some info that looks to dramatically increase my monthly payment for an inflated shortage that is mainly in the original cushion set in my escrow account. They are not giving me the appropriate credit for XXXX payment in the history and that is the inflation of the cushion only shortage. 
I am on a fixed XXXX income and we have a record of the only yearly payouts from my escrow account. I ca n't afford to bank money with no interest or actual need with them. The original cushion is not needed remain so high and I do n't get any interest for this excess. I understand the RESPA guide they used to set up my account in the beginning but I should n't have to maintain that figure ( {$390.00} ) as it is unreasonable with now knowing the required payouts for a twelve month period. I do n't have a shortage to meet my obligations in my escrow even with small changes ( ex. {$75.00} ) in my obligations. There is not a history of large changes of obligations in my previous years escrows for the 10 years in my home. 
I want to point out that I have talked with a supervisor named XXXX with Quicken Loans in the Escrow Department about this and he is not helpful. I have attached 1 photo of the original escrow document in my contract and 3 photos of each page of the new statement. Please see that the taxes are listed and due XXXX XXXX of each year and it shows that in the original document. My County collects both the city and county taxes and do not send out Bills until the end of XXXX after they get the rates established. XXXX confirms they send payment in early XXXX but he claims they take the money from my escrow in XXXX as reflected in item # 2 ( I understand they send bulk payments for many customers, not the issue ). This history shows only 11 months accounting and this is the change from original document. Item # 3 then goes back to the 12 month accounting, showing taxes payout in XXXX. All of this explains the inflated shortage they want to attribute to the cushion due to inconsistent accounting of equal monthly periods. 
I had a previous Harp loan with Quicken and they did n't send me an escrow document after 11 months asking for an increase in mortgage payment for escrow cushion. I have read the Form XXXX ( Missouri single family-XXXX/XXXX uniform instrument with XXXX, section # XXXX ) see 2 additional pictures, which gives information on 'Funds for Escrow Items '. This document discusses shortages in escrow account to meet obligations not shortages in cushion. 
I would like a refund of my escrow fund above a reasonable {$100.00} balance. In past years with previous servicer, I was refunded overages far above a reasonable {$100.00} cushion at the end of the year. I do understand that it is unknown what future insurance premium 's and taxes may be but will cross that bridge at that time. 
Thank you for your assistance in this issue and I look forward to its resolution before the schedule increase takes affect on XXXX XXXX, 2016. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016

Company response to consumer: Closed with explanation