BELOW IS AN EXCERPT FROM THE LETTER SENT TO MY MORTGAGE LENDER, WHICH THEY HAVE REFUSED TO RESPOND TO IN OVER 90 DAYS. THEY ACKNOWLEDGED RECEIPT OF THIS LETTER BUT REFUSE TO ADDRESS MY CONCERNS. 
Dear Sir or Madam : I am writing to you for the 2nd Time to dispute the validity of accounting and servicing of my mortgage, your accounting practices are such that all payments are credited to fees and/or penalties which are given application priority over principal and interest crediting which subsequently leads to your compounding additional late fees when the security note expressly states that late fees is applied to currently due principal and interest only. Moreover, there is no continuity of contact, your email communications contain the perfunctory tag " single point of contact '' for the sake of appearing to comply with the law, ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) contact with XXXX different individuals does not equate single point of contact. However, upon calling that person is not available, whomever answers the call greets you with he/she is not available but I can or I 'll transfer to someone else in that department who can help, questions regarding accounting are not answered the information is not available. For example, my escrow account was being over charged, property taxes were calculated incorrectly, I was promised a return call that never occurred. 

This second request is to inform you of my need for additional information regarding various charges, credits, debits, transactions, reversals, actions, payments, analyses, and records related to the servicing of my loan from its origination to date. To date, the documents and information you have sent me, and the conversations with your service representatives, have not answered my questions. My 1st written request was on XXXX XXXX, 2016, your company acknowledged receipt of this request via email on XXXX/XXXX/2016. However as of today you have failed to provide me with any form of resolution of the errors, provide information requested validating these errors as being correct, provide investigation of my concerns and you have failed to explain in writing why you have refused to address my request. It has been over 90 days and you have essentially ignored my written request and have continued to erroneously service this mortgage, which violates RESPA. 

I am FOR THE 2nd TIME, disputing the validity of the current debt you claim I owe, including, without limitation, the principal balance, calculated monthly payment, calculated escrow payment, and any fees claimed to be owed. To validate my debt, I need to conduct a complete accounting of my mortgage loan. I also request that you conduct your own audit of my account to validate the debt you currently claim I owe. 
Please do not continue in your refusal to conduct a full audit of my account. I believe that errors have wrongfully resulted in one or all of the following : 1. Increased the amounts of my monthly payments ; 2. Increased the principal balance I owe ; 3. Increased my escrow payments ; 4. Increased the amounts applied and attributed toward interest on my account ; 5. Decreased the proper amounts applied and attributed toward principal on my account ; and/or 6. Assessed, charged, and/or collected fees, expenses, and other charges I am not legally obligated to pay under my mortgage As you failed to address my 1st written request, which you did acknowledge having received on XXXX/XXXX/2016, to insure this I will authorized an audit of my mortgage by consumer advocates with expertise in mortgage auditing and predatory lending. This audit of my mortgage loan file from the date of the origination of my loan to the present.