Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC PACIFIC MORTGAGE CORP (NJ)

I have written to your office before regarding this loan. XXXX XXXX XXXX who claims to be the Servicer for Atlantic Pacific Mortgage Corporation, illegally increase my payment. I contracted with Atlantic Pacific Mortgage Corporation on XX/XX/XXXX to pay {$700.00}. I pay my own insurance & the property is exempt from tax. I went to pay my bill and there was an increase on my payment for {$270.00} without an explanation. 
For each complaint, XXXX fails to give the correct information and XXXX XXXX keep violating my contract by adding additional money to my mortgage without an explanation. 
General Loan Information Current Principal Balance {$74000.00} Current Interest Rate 6.000 % Year-To-Date Totals Principal {$0.00} Property Taxes {$0.00} Interest {$0.00} Hazard Insurance {$0.00} Payment Information Last Payment Received XX/XX/XXXX Next Payment Due XX/XX/XXXX Total Monthly Payment {$980.00} XXXX insist on creating an escrow account for insurance even though the insurance is taken from my bank account Escrow Information Click here to update your insurance informationPRINT PRINT Loan Number XXXX Property Address XXXX XXXX XXXX City , State, Zip XXXX , NJ XXXX Borrower Name XXXX XXXX Escrow Summary Last escrow analysis date ( month/year ) XX/XX/XXXX Current escrow account balance ( {$1300.00} ) Current escrow payment {$270.00} Projected escrow payment {$92.00} Projected escrow payment effective date XX/XX/XXXX Taxes Tax Description Tax paid to Tax ID Number Installment Amount Next Due Date City tax XXXX XXXX XXXX XX/XX/XXXX City tax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XX/XX/XXXX Homeowner and Hazard Insurance ( s ) Insurance Type Hazard Insurance Company Policy Number Policy Expiration Date Annual Premium Amount Homeowners ( primary ) XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Your annual hazard insurance premium is : {$1300.00} These are my payments automatically sent from my bank to XXXX XXXX : Policy goes from XX/XX/XXXX-XX/XX/XXXX 1. XX/XX/XXXX Withdrawal-ACH-A-XXXX XXXX XXXX XXXX ( EFT PYMT ) ( {$92.00} 2. XX/XX/XXXX Withdrawal-ACH-A-XXXX XXXX XXXX XXXX ( EFT PYMT ) ( {$190.00} ) 3. 

From XXXX XXXX : Welcome, XXXX! 
Automatic payment of {$92.00} is scheduled for XX/XX/XXXX Payment Due : {$92.00} MONTHLY EFT Due Date : XX/XX/XXXX HOME Home - XXXX XXXX XXXX Policy # : Get evidence of insurance ID card Payment History for Insurance Policy from Farmers My PaymentsDownload Payment History Receipt DateDescriptionAmount XX/XX/XXXX AUTOMATIC PAYMENT using CHECKING ( XXXX ) Print Details - {$92.00} COMPLETED XX/XX/XXXX AUTOMATIC PAYMENT using CHECKING ( XXXX ) Print Details - {$190.00} COMPLETED XX/XX/XXXX Payment Transfer using Transfer/Redeposit Print Details - {$1000.00} XX/XX/XXXX Refund to Company using Transfer/Redeposit Print Details {$1000.00} XX/XX/XXXX Refund using Transfer/Redeposit Print Details {$1000.00} XX/XX/XXXX PAYMENT PROCESSING CENTRE using CHECK Print Details - {$1000.00} COMPLETED The {$1000.00} were verified as received by the company ( See responses to previous complaints ).