Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
Consumer Complaint Regarding Mortgage Servicer Escrow Mismanagement, Misrepresentations, and Failure to Reimburse Financial Damages I am filing this complaint against my mortgage servicer regarding its mishandling of my escrow account, repeated misrepresentations concerning the cause of the error, and its ongoing failure to reimburse me for financial damages that resulted directly from its actions. This matter began on XX/XX/XXXX when I received a delinquent tax notice stating that my property taxes for year XXXX ( XXXX semester of fiscal year ) were not paid. Despite sufficient funds being available in my escrow account, that second payment was not made. As a result of the companys failure to timely satisfy its escrow obligations, interest and penalties were assessed against me. When I initially received the notice, I contacted my mortgage company and submitted the notice to them. I was told they will have to investigate the issue. To avoid my lien to be sold as only few day were remaining until the sale and I was yet to hear back from my mortgage company, I paid the property taxes that were due including the interests that were applied due to delinquency. I submitted payment notices to my mortgage, requesting reimbursement. Payment and submission of proof were done on XX/XX/XXXX. XXXX weeks later, I received a notification that they have deducted the amount from my escrow account and have increased my mortgage. I immediately reached out to them, stating that this was not accurate since I had already paid for it and submitted the documents for reimbursement. when I called back to follow up on the issue, their agent speculated that the problem could have been caused by my failure to pay the original property taxes during my closing. This statement was incorrect. My closing documents clearly shows that the applicable taxes were paid at settlement, and XXXX XXXX XXXX reflected that payment. After I mentioned to them that that first portion of the tax was paid at closing by directing the agent to my closing documents which they have a copy, the company changed its explanation and suggested that I either failed to make mortgage payments or did not have sufficient funds available in my escrow account when the tax payment became due. Once again, these assertions were inaccurate. My mortgage payment history demonstrates that my payments were current, and my escrow account records show that sufficient funds were available to pay the tax obligation. During my follow up call with their agent, I also mentioned to them that I had paid the overdue taxes as well as the interest that was applied and that I had submitted proof of payment to their company via electronic mail. I stated that I would like the extra amount they deducted from my escrow account to be returned as well as the interest I paid due to their oversight. The agent informed me at that time that the documents were not forwarded to them and requested that I sent it again via text message which I did. They told me they would investigate and if I had made the payment, they would reimburse the total sum that I had paid. After XXXX months of back and forth with them, they only reimbursed the sum of {$1200.00}, which is the portion of the unpaid tax and I am yet to be reimbursed the interest fees that accrued for a sum of {$380.00} as well as {$39.00} as processing fees. Despite repeatedly providing supporting documentation and evidence, including closing records, payment history, escrow information, emails, online messages, and participating in numerous telephone conversations, the company has failed to resolve this matter in a timely manner. For nearly XXXX months, I have been attempting to obtain reimbursement for the interest and penalties that I was forced to pay as a direct result of the companys failure. Throughout this period, I have received inconsistent and contradictory explanations regarding the status of my reimbursement. Initially, I was informed that a reimbursement check had been issued but that there was an unspecified problem with the check. After waiting and following up again approximately XXXX month later, I was informed that another reimbursement check had allegedly been lost within the companys own department. To date, I have not received reimbursement despite multiple assurances that the matter would be resolved. I am concerned by what appears to be a pattern of shifting explanations, delays, and failure to accept responsibility despite documentation demonstrating that the companys original assertions were inaccurate. The burden of correcting this error has been placed entirely on me, requiring significant time and effort to repeatedly provide documents and pursue follow-up communications. As a result of the companys actions, I have : XXXX Incurred interest and penalty charges that should not have been assessed. XXXX Spent considerable time gathering documentation and communicating with the company. XXXX Experienced unnecessary financial and administrative hardship due to the prolonged failure to resolve a matter that originated from the companys servicing error.

Company response to consumer: Closed with explanation