Consumer complaint received 2022-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (RI)

During the month of XXXX, XXXX, Oceanside Mortgage Company mailed my home insurance payment to the wrong address. 
Subsequently, my house was it insured from XX/XX/XXXX until XX/XX/XXXX. Mind you, this money was from my escrow account. 
The error was not realized until Oceanside requested the insurance companies address to make the XXXX payment. Learning I had no insurance coverage, Oceanside ordered their expensive forced insurance, even though the year of no coverage had expired with NO claims being filed. Then, Oceanside ordered more of the same coverage for the next year, ALL being paid from my escrow account. In the mean time, during this moment of error discovery, I contact my insurance " go to '' person. I was told I lost my insurance for non payment and had to go into an expensive " risk pool '' for the next year. The bill went to Oceanside and my escrow account was hit again. In XXXX I was notified by Oceanside my Mortgage payment was increased from $ XXXX. to $ XXXXbecause I did not have enough money in escrow!. Of course, I did not have enough money in escrow ; Oceanside paid for two forced insurance policies in addition to my original insurer. I believe I was paying {$640.00} a month in escrow payments. I contacted Oceanside and recounted the past insurance problem because of their error. When the XXXX payment came due, I only sent the {$1400.00} payment, not the {$1600.00}, until the problem was corrected. 
For the XXXX payment Oceanside would not accept the {$1400.00}. They would only accept {$1600.00} plus {$140.00} not paid in XXXX. This situation continued until XXXX when the word Foreclosure was mentioned. 
Accordingly, I contacted XXXX at XXXX XXXX XXXX to settle the problem. I also filed paperwork Oceanside needed to start a Loss Mitigation. An agreement was reached where my monthly payment was set at $ XXXX. and owed money to be placed at the end of the Mortgage term. 
Every phone call to Oceanside, since, begins with a preamble : I owe so much money in the arrears, and the amount has increased from {$19000.00} to {$22000.00}. 
Again, XXXX at Oceanside Loss Mitigation informed me, my escrow was low and to.make up for it the new payment was increased to {$1600.00}, but my bill for XX/XX/XXXX is $ XXXX but escrow payment fell to $ XXXX. 
Previous, escrow was $ XXXX ( $ XXXX ), if my escrow is always short then why am I paying less /mo.???? 
Originally, I was told I would be part of Loss Mitigation group for a trial period, it is now running about a year and six months. I have done all Oceanside has asked, money payments, three series of notarized forms, which one was lost by Oceanside and duplicated. 
I do not feel Oceanside is handling my account properly, or they are out to claim my house. My wife and I are in our XXXX 's and on a lined fixed income ANF are afraid we will lose our home through the unprofessionalismalism of Oceanside. 
Please help. 
Thank you Loan number : XXXX In my experience calling Oceanside, very seldom can you speak to the same person twice in a row. When returning phone calls I was not able to speak with the original caller. All they do is re read phone notes which seem to change like the weather. 
I, personally find this company disingenuous, unprofessional, and stupid. 
The feet and legs go in opposite directions.