Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
I am a XXXX Vet and in XXXX of XXXX, the VA truncated my benefit check. I could not keep up with my monthly obligations. After falling behind on my mortgage I was afforded a loan modification by the Money Source who held the mortgage. After filling out the XXXX loan application numerous times, I finally met there expectations and the paperwork was approved. 
My new mortgage went from XXXX to XXXX and my loan was split up into XXXX separate loans, XXXX for XXXX and the other was for XXXX due at the end of XXXX years. This was in XXXX or XXXX of XXXX. It is XX/XX/XXXX and I have been told that I have incurred an escrow deficit of XXXX and my mortgage payment has risen to {$1000.00}. until the deficit is caught up. 
Having called on this issue several times ( XXXX ) my experience has been once I got a rep to answer the call ; I was transferred several times to different departments and for now ; it was the bankruptcy department, because I am currently in litigation. After talking to XXXX of the agents on the subject ( Escrow Deficit ) I was placed on hold and them the line went dead and no one follow up with a call back, even though the rep required me to give them a call number in case we were disconnected. 
It is my thoughts that there is gross mismanagement and misconduct going on with this company and how they handle our escrow accounts. Between XX/XX/XXXX and XX/XX/XXXX, I have only missed XXXX or XXXX payments ; XX/XX/XXXX through XX/XX/XXXX. I pulled up my transaction history ( mortgage payments made ) and I made XXXX payments that {$240.00} ( {$3900.00} ) went to escrow from XX/XX/XXXX to XX/XX/XXXX. From XXXX to XXXX nothing was added to escrow even though I was making mortgage payments. XXXX to XXXX of XXXX, I made XXXX payments of {$720.00}, to qualify for the loan modification. 
From the period of XXXX through XXXX of XXXX The XXXX XXXX made transactions that are unclear. My previous mortgage was modified from XXXX to XXXX separate loans ; XXXX for {$87000.00} for a XXXX year period and {$35000.00} was due in XXXX lump sum at the end of that XXXX year period. 
After going through all that the Money Source required of me and missing only XXXX to XXXX payments and paying into the escrow account as I did ; I find it very hard to believe that in a two-year span having paid out only {$930.00} for the first years taxes and {$1500.00} for the second years ' taxes that I incurred an escrow deficit. Something is very wrong with this company. 

I find it very difficult to believe that after paying a little over XXXX years of mortgage payments and missing XXXX or XXXX and The Money Source only paying out {$930.00} for the first year and {$1500.00} for the second year ; that I am in a deficit of over {$2000.00} and they want to XXXX my payment up from {$700.00} to {$1000.00}. to cover this so-called deficit. The Money Source has gotten over {$7400.00} in escrow from me and has paid out about {$2500.00} for taxes.

Company response to consumer: Closed with explanation