Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALL WESTERN MORTGAGE
State: TX

Complaint narrative:
I am filing this complaint regarding serious escrow servicing errors involving my mortgage loan and property taxes for my home in Texas. My spouse and I are 100 % Disabled Veteran Homestead exempt in Texas. We purchased our home in XX/XX/year>. At closing, approximately {$10000.00} was collected and held by All Western Mortgage as an escrow holdback specifically intended to pay the sellers prorated portion of XXXX property taxes for the period of XXXX through XX/XX/year>. After closing, All Western Mortgage transferred/sold servicing of our mortgage loan to our current lender, XXXX XXXX XXXX. However, All Western Mortgage failed to transfer the escrow holdback funds or properly administer the tax payment obligation tied to those funds. Key facts : * All Western Mortgage cashed/received the escrow holdback funds in XX/XX/year>. * The funds were specifically intended to pay the sellers prorated XXXX property taxes. * Since purchasing the property, our mortgage escrow has correctly reflected {$0.00} ongoing property tax collection due to our 100 % Disabled Veteran Homestead exemption. * We later began receiving delinquent property tax notices and penalties from XXXX XXXX because the taxes had not been paid. * We contacted both XXXX and XXXX XXXX, our Realtor we had at the time, both mortgage companies and Texas Title multiple times attempting to determine why the taxes remained unpaid. * We eventually discovered that All Western Mortgage still retained the escrow holdback funds and had never properly resolved the tax payment issue. * All Western Mortgage recently stated verbally that payment was supposedly sent to the counties Wednesday of last week, but they have provided no proof of payment despite repeated requests. * As of today, the counties still show the taxes as unpaid/delinquent and penalties continue accruing. * We have personally paid portions of the taxes to XXXX XXXX ourselves in an effort to prevent further harm, despite the fact that these taxes were supposed to be paid from the escrow holdback funds already collected by All Western Mortgage. We are requesting immediate assistance and investigation regarding : 1. Failure to properly administer escrow/holdback funds. 2. Failure to timely disburse property tax payments. 3. Failure to transfer escrow obligations during servicing transfer. 4. Failure to provide proof of payment or escrow accounting. 5. Delinquency penalties and damages caused by servicing errors. 6. Reimbursement owed to us for amounts we personally paid as well as all extra funds left from our escrow holdback. 7. Continued accrual of penalties and county delinquency status through no fault of our own. We are requesting that All Western Mortgage : * Immediately provide a full escrow accounting. * Provide proof of all tax payments allegedly sent. * Reimburse us for any amounts we personally paid toward these taxes. * Pay all penalties, interest, and fees caused by their failure to timely disburse funds. * Correct and resolve the delinquent tax status with the county. * Confirm in writing that we will not suffer negative reporting or damages due to these servicing failures.

Company response to consumer: Closed with explanation