Consumer complaint received 2015-03-25
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Letter Of Harassment by Central Mortgage Company From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : AR Attorney General Office XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Loan # XXXX Date : XXXX XXXX, XXXX Dear Attorney General My mortgage Loan was sold and transfer to Central Mortgage Company, before this transfer I had to refinance with XXXX XXXX and as a condition of that refinance I had to wave the Escrow account on my New contract and take the responsibility of paying my property tax and insurance on my own, and since then I have been paying my monthly mortgage on time without any delay at all. Until XX/XX/XXXX when I called XXXX XXXX XXXX at central mortgage company bankruptcy department to get A pre authorization so I could make the monthly payment ( I had to do this process every month since I was on bankruptcy court from XX/XX/XXXX until XX/XX/XXXX ). 
Now you wonder why I was on bankruptcy court, I had to file for chapter XXXX to save my XXXX gas station business which I had purchased on XX/XX/XXXX from a seller who misleads me into this deal with wrong sales figures but the court did n't go with chapter XXXX instead it convert me into chapter XXXX over rolling my objection for this conversion knowing I did n't want to be on chapter XXXX at all. That when I was told by XXXX there is a standing unpaid balance on my escrow account, I replay back to her I do n't have an escrow account on my loan with your guys since your company purchased my Loan from my previse bank and as a legal condition of that transfer. Then she told me the escrow department had to pay a property tax for XX/XX/XXXX on my behalf than I asked her when? She never gave me the date. ( By the way all these communication were through e-mails not a phone call ). After the investigation of my situation with bankruptcy department people at central mortgage company ( because of my bankruptcy status, this department was the only one I can took to if I have any question regarding my Loan ). Turn out that one individual personal on escrow department went ahead and made a payment to XXXX XXXX tax collector office on my behalf without notify me neither before nor after the payment. Also what this person should know is that the payment which he or she made to XXXX XXXX tax collector office was already been made by me and my property was n't at any delinquent status nor the house was at risk of sales by the city for tax delinquent as the central mortgage company been calming and insisting as reason for security because all my property taxes are been paid. Also this payment was made in-violation of bankruptcy court since I was on bankruptcy status at the time when this payment was made. Also the person who made the payment should file a motion to bankruptcy court in order to approve or disapprove the payment on my behalf before they made the payment. If this was done than the bankruptcy court would had notify me, than I would have stop this mas this individual person had put me through. This action was the foundation base of harassment and nightmare center Mortgage Company started Putting me through because after this payment, the company went ahead open and attached an escrow account to my loan which caused my monthly payment to jump very higher more than what I can afford and also more than my fixed payment of {$1800.00} a month. Because of Financial difficulties I had to follow certain process on how to pay my property tax and insurance once at the end of the year. And I had highlighted this process into the e-mail I had sent to XXXX XXXX the lead person on bankruptcy department. Please see the co

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation