Consumer complaint received 2016-02-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP (TX)

I am 100 % exempt from paying property taxes XXXX due to my VA connection. However, XXXX collecting my monthly payments is out of state and have been charging my escrow account for property taxes all along since my closing XXXX/XXXX/XXXX. The servicing co. has been aware of my exempt status from the very beginning, as I provided them with the CAD letter of my exemption status. However, they have obviously ignored my numerous efforts to get them to conform because they have never once responded to this issue. So far, the total they have charged my escrow is approximately {$1900.00}, until I 'd had enough and stopped paying the monthly billing for taxes this past XXXX XXXX. That got their attention because in my XXXX billing statement they did not bill for taxes. Among other problems they have caused me, I feel certain they have done so deliberately. 
For example, they never sent me an XXXX XXXX billing statement. After calling them several times telling them to send it, which they never did, I went ahead and sent the full XXXX payment to them on XXXX XXXX, XXXX. The next thing I knew, I received XXXX 's bill 'combined ' with XXXX 's and then, along with XXXX 's bill, which still included property taxes, they also conveniently included a late charge of {$44.00} in XXXX. And to think, I was the XXXX trying to keep things straight and on the level by communicating with them. It is my opinion, they did all of this, plus much more, with hostile malice to confuse me in XXXX of their 'numbers games ' hoping I would follow along. At this point, I characterize them as " PREDATORY. '' I think not being able to fool me over is the reason they have stopped communicating with me almost completely. With my hefty down-payment on my home purchase, I would guess they have foreclosure on their minds. 
So, now that they have about ten ( 10 ) months of 'EXEMPT TAXES ' belonging to me, amidst other items escrowed on my behalf, they have sent to me an analysis informing me that my escrow has a 'shortage ' (? ). Needless to say, I disagree. Keeping in mind that all of this time things are just getting more and more confusing which is apparently, what they like ... it 's their jobs. They escrowed so excessively at closing that they had to refund a portion in the amount of {$2800.00} ... I 'm sure they did so probably because these limits are a requirement of RESPA. Nevertheless, I have considered and included this refund in my estimated calculations as a layman. Veteran 's property exemptions are 'Law ' in Texas XXXX but the servicing company charged for taxes each month anyway. 
There was XXXX email that came in late as an actual reponse to information I had requested however, it was the same information I already had which was merely listing my monthly payments. And again, as all the times before, it did not address my exemption of the property taxes they access when they should not have and what they were going to do about refunding the taxes. Basically, I find them out-of-control because they had not been responding appropriately to my efforts to contact and work with them. They just keep sending what they wish trying to keep me confused and make me look bad by ignoring my questions and input. I consider all of their on-going game playing and negativeness to be nothing short of greed and harassment. 
The way I see it, the only parties entitled to any excess funds like in an escrow are between the parties who sign the subject contract. No other entity should be privy to these funds.