Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
To : LOANCARE our mortgage servicing company. 
Since XXXX XXXX, XXXX you have increase our monthly mortgage payment from {$3600.00} to {$4400.00} by incorrectly calculating our property taxes. I have enclosed all the County contact information and documentation that would be required to correct this matter forthwidth. 
My wife and I have made serveral attempts to contact your Customer service department and have forwarded any information under ( Ticket # XXXXXXXXXXXX ) XXXX/XXXX/XXXX that you would need to correct this matter but yet you have continued to collected escrow monies beyond legal limits of Federal Real Estate Settlement Procedures Act ( RESPA ) We are DUE are refund from our escrow account Under the legal limits of Federal Real Estate Settlement Procedures Act ( RESPA ). 

We are once again are needing to send additional information to your escrow deptment since we are not alllowed to speak to anyone in your escorw department. 
Below here are escrow calculations XXXXX Mortgage COMPANY who you aquired our mortgage Calculated our Escrow monthly payment of {$880.00} based on county property taxes for just the land of 2 annual tax payments of {$1600.00} and 2 annual supplemental property tax payments of {$2000.00} the last supplemental tax was due XXXX XXXX, XXXX in spite of the fact you had excess money in our Escrow account and To avoid a 10 % penalty + {$20.00} fine We have PAID on XXXX XXXX, XXXX our County Property Tax The supplemental tax payments were temporary until the XXXX XXXX tax year after which re-assesment of the land and home combined in a supplemental tax would no longer be required. 

We have in XXXX XXXX forwarded you our new County property tax Statement under ( Ticket #  XXXXXXXXX ) for your escrow department to correct your Escrow calculation errors. You have yet to adjust our monthy automatic checking account withdrawal. 

At the begininning of the tax year we requested that you pay our suppliment property taxes and you reluctantly did make a tax payment of {$2000.00} by XXXX XXXX, XXXX but told us that you would not make the last supplemental tax due XXXX XXXX, XXXX in spite of the fact to had excess money in Escrow account. To avoid a 10 % penalty + {$20.00} fine We have PAID on XXXX XXXX, XXXX our County Property Taxes We have attached our our County Property Tax receipt to show we have Paid our Taxes That you refused to pay. 

Escrow County property tax Calculations {$5100.00} Due XXXX XXXX + {$5100.00} Due XXXX XXXX, XXXX = {$10000.00} / 12 = {$850.00} {$850.00} * 2 = {$1300.00} {$5100.00} + {$1300.00} + XXXX = {$7300.00} maximum allowable escrow balance Current Escrow Account Balance : {$15000.00} If you have any questions about our past or current property taxes you have the information of our county tax collector including phone number and addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation