I applied for a refinance on my home and was approved. The loan closed on XXXX XXXX, XXXX. During this time I have had nothing but problems. Funds on this loan were not disbursed to me until XXXX XXXX, XXXX. The loan company was to pay off credit cards, but this did not happen until XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I received a letter from the Flood Insurance company that my flood insurance was being cancelled due to non payment of premium. This was to be paid through escrow. They closed and funded the loan with no insurance. Then when I called, I found out that the insurance company was with a company that I did not authorize. The lender decided to use another insurance. 

I was told that Flood Insurance had to equal the appraised value of the home, which my insurance did. The insurance that they approved the loan with did not even cover the appraised value of the home and was more than double in price. 

I called the company and escrow, and they stated that I could use my insurance as it was an oversight on their behalf. I paid my insurance out of pocket in full. 

I had asked escrow to readjust my impounds, and payments in which I have confirmation that she sent it to another person on XXXX XXXX, XXXX. To this date, nothing has been done. 

Also, I wanted to make payments ahead of time due to the holidays. I had submitted XXXX XXXX payment, and XXXX XXXX payment. Both cleared my bank account on XXXX XXXX, XXXX. 

I reached out to escrow and they told me that I would be getting refunded for the difference in the payments, and impounds which never happened. 

Now ... the loan was transferred on XXXX XXXX. The new company told me that they do not have any payments and I owed for XXXX XXXX, and XXXX XXXX. I told them and sent proof that these payments had been made to the first company. They told me to contact the original lender to make sure that these payments were sent. The original lender told me that both payments were sent. I called the second company and they stated that they did receive XXXX XXXX payment, but not XXXX XXXX payment. I was told to contact the first lender, again regarding this matter. In the meantime, I contacted my bank for proof as well. I was afraid of being late because of the holidays and such, so I went ahead and made a second XXXX payment to be safe. 

I finally got a call from the first lender and an email stating that both payments were made, also received verification proof from the bank. I cancelled the second XXXX payment because now the loan had been transferred to yet another loan company. This is the XXXXd loan company since closing the loan on XXXX XXXX. 

I was in compliance as both XXXX XXXX, and XXXX XXXX payments were made by me. I cancelled the second payment made for XXXX as to not have two payments for that month. Also, I did not want to have to worry about trying to get a refund from a third company. 

I am trying to get my impounds adjusted to the correct amount, and also my payments to reflect the changes. 

I have called all three loan companies, but everyone is giving me the runaround. 

I supplied all three companies with everything - payment information, proof from the bank, insurance, etc. 

Today,, I called the third company and the representative is telling me that no payments have been received, but yet she shows that a refund is due me, but she is now telling me that my payments will be more. I do not understand what is happening. 

During the call our call was dropped, so I called back. The new representative told me that she tried to call back, but I never received a call. 

I just want what is right. I want my payments posted correctly, I want my impounds corrected, and I want my payments to reflect the corrected impounds. 

I am scared because this loan was not done properly. The first company had assured me that this was being taken care of on XXXX XXXX, XXXX in an email, yet they transferred the loan on XXXX XXXX, knowing it was not taken care of. Now XXXX XXXX, XXXX to another company. 

I 'm afraid that I will have bad credit when my credit was good, and the possibility of losing my home. 

I 'm not asking for anything unreasonable, just what is right. This is causing me so much stress on what was to be a simple process. 

I do not know how an underwriter can approve a loan without verifying information, and how a funder can fund and close a loan without proper information. I feel like this loan was done with fraud on behalf of the lender. I paid good money to do this loan, and yet nothing was done proper.