Consumer complaint received 2020-05-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (KY)

My main concern at this time is getting our Escrow Surplus disbursement check of {$980.00}. We'd received a letter dated XX/XX/XXXX stating that we'd have the check within 30 days of the letter - I am attaching the letter for review, we still haven't received payment and they've stopped responding to my messages. I'd also like to draw attention to how this company has had poor customer service since the servicing provider transfer in XX/XX/XXXX for tons of customers - I will be attaching XXXX screenshots and their XXXX XXXX XXXX profile link. They have not updated the credit reporting information to the credit agencies - still showing as closed on our credit reports with a transfer of service which has negatively impacted our credit. This company does not disburse escrow payments in a timely manner to ensure that property tax payments are paid on time and are not upholding the terms of their mortgage contract by doing so. 

https : XXXX I am providing more details of our experience below - dates, amounts, etc. 

Purchase of Home with XXXX XXXX using a USDA loan with terms of agreement for escrow payments of our property tax and home insurance through servicing provider - XX/XX/XXXX Received notice of transfer from XXXX XXXX  to Mid America Mortgage , Inc. XXXX XXXX XXXX XXXX with payment info to XXXX XXXX XXXX, XXXX, PA on XX/XX/XXXX - due date of first mortgage payment is XX/XX/XXXX Received notice from XXXX that servicing was being transferred via letter dated XX/XX/XXXX from Mid America Mortgage, XXXX, TX to XXXX XXXX, XXXX  XXXX, VA - already had auto pay setup for XX/XX/XXXX payment and had to cancel due to service provider transfer - mailed check so it would still be timely/setup new auto draft payment for XX/XX/XXXX payment to new servicing provider contact Emailed County property tax notice to XXXX on XX/XX/XXXX - {$360.00} due by XX/XX/XXXX {$360.00} escrow payment disbursed to XXXX County for county property taxes on XX/XX/XXXX Emailed City property tax notice to XXXX on XX/XX/XXXX - {$81.00} due by XX/XX/XXXX Received notice from Mid America Mortgage via letter dated XX/XX/XXXX concerning XXXX payment being drawn on XX/XX/XXXX due to another service provider change effective XX/XX/XXXX Received notice from XXXX that servicing was being transferred via letter dated XX/XX/XXXX to Mid America Mortgage, XXXX, TX as of XX/XX/XXXX - conflicting info, contacted Mid America and was told that there would be no late charges assessed for 60 days due to the changes and as of XX/XX/XXXX, I would be able to access new mortgage website to setup new auto pay - RSPA 60 day transfer notice was cited for credit reporting Sent certified letter on XX/XX/XXXX to Mid America Mortgage for City Property tax to be paid ASAP As of XX/XX/XXXX, City property tax was still not paid - emailed Mid America to send payment of {$83.00} to City of XXXX since the property taxes were late {$81.00} was disbursed to City property tax on XX/XX/XXXX - past due date and 5 % penalty was assessed meaning the payment was short - went to XXXX and complained about how awful our service has been throughout this whole experience - Mid America contacted me and I alerted of underpayment and to pay the late fee since I had contacted them repeatedly to have the payment disbursed on time - Mid America obliged with paying the 5 % late fee Credit impacted with closure of XXXX XXXX loan on XX/XX/XXXX on XXXX  and XX/XX/XXXX on XXXX  due to transfer - still has not been added back to the credit reporting agencies as of XX/XX/XXXX. I had contacted Mid America about this on XX/XX/XXXX and was told it should be reported as of XX/XX/XXXX, the 60 day RSPA transfer was not up yet which made no sense to me Received notice from Mid America Mortgage via letter dated XX/XX/XXXX stating that we are due a refund of {$980.00} for escrow overpayment and theyd refund via check within 30 days of letter Contacted Mid America concerning escrow overpayment on XX/XX/XXXX concerning check and was told the check was disbursed on XX/XX/XXXX Contacted Mid America concerning escrow overpayment on XX/XX/XXXX and was again told the check disbursed on XX/XX/XXXX and was out of their hands Contacted Mid America concerning escrow overpayment again on XX/XX/XXXX and was referred to conversation with representative on XX/XX/XXXX Contacted Mid America concerning escrow overpayment again on XX/XX/XXXX and was told theyd disburse another check - allow 5-7 business days Contacted Mid America on XX/XX/XXXX and XX/XX/XXXX concerning escrow overpayment to ensure check was disbursed - no response