Consumer complaint received 2016-10-10
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Monday, XX/XX/XXXX " From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : RoundPoint Mortgage servicing Company XXXX XXXX XXXX, XXXX XXXX Regarding Loan Number : XXXX Escrow Dispute / Overpayment of HUD RESPA Amounts / RoundPoint 's Claim of Irregular Payment Withholdings / Incorrect Claim Of Late Penalty Charges. 
" I demand the correction of the above captioned errors of RoundPoint M.S.C. Creative Mathematical Accounting of this Mortgage Loan. 
" I have paid the amount I owe on this loan since the inception date of the HUD Settlement on XX/XX/XXXX. complete and full and on time period. 
" Due to XXXX XXXX XXXX XXXX Former of Choice of Mortgage Servicer XXXX, and their incorrect aggressive and clear and obvious unfair business practices, and overall extremely poor communications and inept financial calculations of handling the new V. A. Refinance Home Mortgage Loan which actually was less then two months into the the original signing XX/XX/XXXX. The impounds were in fact secured and paid to both The XXXX XXXX XXXX XXXX and the hazard Insurance was paid to XXXX on time and correct by XXXX XXXX XXXX XXXX 's selected closing Law Office of XXXX XXXX XXXX the documentation supporting this is attached. 
" I have correctly investigated and corroborated on XX/XX/XXXX From XXXX XXXX of XXXX that my homeowner 's policy was paid the amount of {$880.00} By The Law Offices of XXXX XXXX XXXX on XXXX Then XXXX has confirmed they were paid again ( unnecessarily ) on XXXX/XXXX/XXXX the Amount of {$890.00} By XXXX The actual overpayment equals the amount of {$790.00}. 

The difference of the H/O Policy Change was for additional placed scheduled personal property endorsement amount is {$100.00}. Thus the amount of {$880.00} plus the scheduled personal property endorsement premium amounted to {$100.00} the total premium for XX/XX/XXXX through XX/XX/XXXX equals The amount of {$980.00}. Additionally the Amount I personally paid XXXX {$52.00} for my Additional Scheduled Personal Property 0n XX/XX/XXXX. Then On XX/XX/XXXX along comes XXXX and pays XXXX an additional amount of {$100.00}. 
" This is just plain and obviously an error By XXXX which has triggered an escrow re-analysis that is negative and incorrect and must be corrected no doubt period. 
" Unprofessional shoddy and just plain an obvious unfair business practice and inept accounting of the escrow account and HUD RESPA guidelines. 
" While In turn closely and quickly being replaced by RoundPoint M.S.C. and handing off their shoddy inaccurate accounting of the escrow account. 
" After I realized something was seriously wrong and inaccurate and attempting to try and address exactly what was transpiring with the communications of the XXXX Mortgage Servicing Companies with the inaccurate handling of the hand off of the re analysis of the escrow accounting of misinformation and missteps presented to XXXX XXXX XXXX XXXX and not advising myself the writer of why and what accounting of this escrow account changes were being made in my interest and leaving me to try and figure out what was going I started to pay additional amount into the escrow before I could determine what was actually transpiring regarding the escrow account ( New Mortgage servicing company number XXXX and new mortgage servicing company number XXXX from too many cooks in the kitchen destroying the stew and the relationship. ) " The following attached documentation indicating speaks clearly of the amounts I have paid on this loan from the beginning to this date and when it was paid and received by registered mail by the USPS. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation