Consumer complaint received 2022-10-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (NJ)

Dear XXXXXXXX XXXX My name is : XXXX XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This property address has mortgage with company named Paramount Residential Mortgage Group XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX TEl : XXXX ( XXXX ) & ( XXXX ) XXXX & XXXX ) XXXX Mortgage Loan Number : XXXX I received a letter containing XXXX pages of Escrow Summary dated XX/XX/XXXX, the letter stated that I have shortage in my loan escrow account for the XXXX XXXXXXXX in the amount of {$1300.00} ( according to above mortgage company escrow department analysis ). 
On XX/XX/XXXX I paid that shortage electronically online throw my personal bank account. 
On XX/XX/XXXX I called XXXX customer services to confirm that they received the {$1300.00} also to direct them to note the loan account that this not an extra payment but it was total annual escrow shortage they asked for it. but i paid the whole XXXX  XXXX time to avoid interruption to my mortgage loan monthly payment which it was {$2600.00} per XXXX all the tear XXXX through XX/XX/XXXX. ( My mortgage loan balance is large therefore I am working hard to keep the payments low as much as I can by paying the shortage in full ). 
They kept mail me several wrong mortgage statements with deafferents monthly payments all of them are miscalculated and totally wrong. 
In fact, my regular mortgage payment is {$2600.00} NOT {$2700.00} or {$2800.00} I will explain in the following a few points why my XXXX mortgage should not exceed {$2600.00} : XXXX according to your letter dated XX/XX/XXXX [ Escrow Summery under annual Escrow Review ], Insurance increased from {$1100.00} XXXX to {$1100.00} ( Increase $ XXXX {$1100.00} = {$29.00} Property Insurance XXXX XXXX. 
XXXX Also, XXXX XXXX increased from {$7000.00} to {$8200.00} ( increase $ XXXX {$7000.00} = {$1100.00} TAX shortage ). 

XXXX Total Escrow increase ( Tax and insurance ) for XXXX estimate will be ( $ XXXX {$1100.00} = {$1100.00}. 
XXXX XXXX escrow analysis send me letter to pay shortage amount {$1300.00} which is exceeds the actual shortage by { $ XXXX {$1100.00} = {$190.00} OVER CHARGE TO ME SHOULD BE REFUNDED }. 
XXXX AS YOU CAN SEE FROM THE ABOVE LOAN 'S RECORD THAT I SENT ECLECTRONICALLY PAYMENT TO COVER THE WRONG AMOUNT OF ESCROW SHORTAGE {$1300.00}. 
I did pay the shortage in full to keep my XXXX  mortgage payments at {$2600.00}. 
XXXX What surprised me is when your department sent me a new mortgage statement for XX/XX/XXXX, stated that my payments will be {$2800.00}, and online account system showed the new XXXX payment will be {$2700.00}. 
As you can see both amounts are wrong since I paid above the amount of shortage need it {$1100.00}. 
I contacted your XXXX department, and they followed up with me after XXXX explained the above to them. 
please be advised that the ESCROW ANALYSIS PRMG MADE IS WRONG BASED ON THE ABOVE. 
I am warning the escrow department that I already give them XXXX  chances to correct the error. 
I asked the PRMG to notify me in writing by mail explaining their side of the review in detail after reviewing the above numbers. They Left me with no other choice than contacting your office seeking your help and support, { NOTE : this company caused a previous error to my mortgage, and I had a complaint to your office back on XX/XX/XXXX and they refunded me {$2000.00} by check # XXXX date it XX/XX/XXXX }, Please help me Best of my regards XXXX XXXX XXXX XXXX Loan Holder