Consumer complaint received 2016-06-27
Company: UNITED SECURITY FINANCIAL
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The on line Mortgage Company : United Security Financial Corp. Solicited me to refinanced my residential home From a XXXX 3.3 % 15 year interest to a 15 year Interest Rate of 2.75 % The XXXX settlement signing was on XXXX XXXX, XXXX. Five days after the signing I began being bombarded by United Security Financial Corp Phone calls and letters Dated XXXX/XXXX/XXXX to what was a clear solicitation to refinance my home again to the same online company. I contacted them by phone and complained and told them to stop sending me additional offers. 
United Security Financial In The State of Utah I have found is a Company with many Complaints by the XXXX over XXXX complaints. They have mislead my self and likely many others with their marketing practices. I now Find they are not a bank but only an out of XXXX. Playing Fast and loose with the truth with their customer servicing protocol and processing. Specifically with regards to handling Escrow Funds like in my experience securing the impounds at settlement and actually paying them on XXXX XXXX I have a copy the XXXX XXXX payment receipt. Then about two months after the loan closed U.S.F.C. advised they assigned the loan servicing to XXXX I have all documents for inspection. XXXX started less than XXXX into the loan and started messing about my escrow and paid it again hazard and taxes in the same year as verified by my Insurance Carrier by on Line Chat Transcript XXXX XXXX thru XXXX. I acted proactively not realizing XXXX was Misleading and actually cheating me. I automatically began sending additional monthly amounts along with my regular payments that to date amount to a total additional amont of {$530.00} above the regular escrow amounts on the XXXX settlement of {$100.00} for each month Starting XXXX XXXX, XXXX The XXXX XXXX XXXX XXXX XXXX at the escrow department recording illegally and in correctly mt Escrow wold be {$170.00} a month what XXXX? 
The less than two months another XXXX. assigns XXXX as their Loan Service Agent using the same bad information. I have maintained a credit score of very close to XXXX since I built this home in XXXX. I need this loan removed or sold from U.S.F.C. to a XXXX XXXX XXXX and XXXX Bank that knows what they are doing and are honest and above reproach with their customers. It is XXXX. loan as well. I have written to XXXX to dispute the false and incorrect charges being illegally placed on my monthly billing statement and any trumped up late charges I mail any and all transactions by certified mail only as this company and it affiliates are extremely untrustworthy and misleading I suspect the parent company is actually a pay day loan lending company because they are acting like XXXX based on the XXXX complaints and the constant switching of people that do their business for them in the interest. 
I have copies of all documents that support my position in this nightmare about XXXX pages canceled check with posting date and all related receipts except where U.S.F.P, XXXX, XXXX Hid my additional Escrow funds? The surely did not account for them correctly according to their own documentation or lack there of I intend to mail all copys by usps for my record XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Phone No. ( XXXX ) XXXX e-mail XXXXXXXXXXXX

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