Consumer complaint received 2018-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (GA)

I purchased a single family home in XX/XX/XXXX as my primary residence. I closed on the home on XX/XX/XXXX, and the mortgage lender is XXXX XXXX XXXX. My mortgage is an FHA 30 year fixed-rate mortgage, with a 4.500 % interest rate ( account XXXX ). 

In XX/XX/XXXX, I was notified that the mortgage was going to increase from {$1600.00} to {$1800.00} due to an error in the escrow account. I have contacted New American Funding ( NAF ) multiple times to correct the issue, with no success. I have attempted to resolve the issue with New American Funding employee XXXX XXXX ( XXXX ). According to XXXX, who said he escalated and reviewed the account, I own 2 properties according to the mortgage documents signed at closing. XXXX said the increase in the escrow was to pay for the property taxes for the second property. I own 1 property, and the sale on XX/XX/XXXX was for a single property. I could not afford, nor did I attempt to purchase 2 properties. XXXX said NAF attempted to pay the taxes for the mysterious property which I do not own. ( NAF is unable or unwilling to provide any information on this mysterious 2nd property. ) XXXX said the second tax payment was returned to NAF by the XXXX County ( Georgia ) Tax Assessors Office. Along with the tax assessors returned payment for the second property which NAF stated they paid on my behalf was a memo indicating I was not the property owner of the second property and the tax payment had already been paid by the actual property owner. 

In addition to continuing to collect the inflated escrow for 2 properties, I recently received another notice stating there was an escrow shortage for the 2 properties, and NAF would be collecting an additional {$110.00} per month in escrow to cover the shortage. NAF statements indicate they are again going to raise the amount due in escrow by {$110.00} due to an additional shortage. NAF refuses to adjust the escrow amount, despite the second unrelated property owner being confirmed. 
I checked with the XXXX  County Tax Assessors Office and confirmed the only property I own is XXXX XXXX XXXX in XXXX XXXX, Georgia XXXX ( parcel number XXXX ). This is one lot ; a one 3 bedroom 2.5 bathroom home. A copy of those records is also attached. 

My XXXX property tax bill from XXXXhe county is attached, showing an amount due of {$2600.00} or approximately $ XXXX/mo. Also, my most recent statement from the NAF showing an escrow balance of a surplus of {$950.00} on XX/XX/XXXX after taxes were paid on the property I own as well as the taxes paid on the unknown property. On XX/XX/XXXX NAF sent a tax payment in the amount of {$2600.00} to XXXX County for the taxes due on the property I own. On XX/XX/XXXX, NAF also sent a tax payment of {$860.00} to XXXX County for the taxes on the unknown second property. This amount significantly higher than my annual tax bill and the excess amount should be considered surplus. 

I have received no assistance from NAF, and they continue to collect hundreds of dollars extra in escrow every month without reimbursing the large amount of overages in escrow they collected for a lot I do not own. This appears to be a way for NAF to collect and keep $ XXXXs as a  result of an error in the mortgage documents which NAF, as the lender, created and took to closing. NAF has been unable to show me in the mortgage documents where I purchased 2 properties. They are unwilling to correct the error they brought to closing despite ownership confirmation by the XXXX County Tax Assessors Office.