Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: OR

Complaint narrative:
I am submitting this complaint about errors in the escrow analysis and handling of my mortgage escrow account. 

Since approximately XX/XX/XXXX, my mortgage servicer has repeatedly produced incorrect escrow analyses that understate my escrow balance and show an artificial shortage. In response to each analysis, I have independently reconciled my escrow account using the servicers monthly statements, and my ledger shows that the escrow balance should be higher than the amount shown in their analyses, often by approximately {$720.00} - {$750.00}. 

In multiple escrow analyses, the reported starting balance is significantly higher than the prior analysis 's ending balance. Additionally, several months show XXXX dollars deposited into escrow, even though I make escrow payments every month. If a deposit is truly skipped due to a rolling 30-day cycle, the next month 's deposit should be doubled to catch up. These discrepancies are mathematically impossible and result in an understated running balance and shortage that should not exist, or should be significantly lower than stated. 

- On or about XX/XX/XXXX, the company issued an escrow analysis stating that my escrow account had a shortage of {$350.00}. 

- My ledger, based on their own monthly statements, shows that as of XX/XX/XXXX, my escrow balance should have been {$3700.00}, not the {$3100.00} that is reported on the XXXX escrow analysis. I know the {$3700.00} is the accurate number as that is the starting balance on the XX/XX/XXXX escrow analysis. 
- Showing that there was no payment in XXXX, but there was one in XXXX. Causes the analysis to understate my true escrow balance and create an artificial shortage. 
- I contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX by phone and explained that their running balance was wrong, and that certain months were missing from the ledger or were inconsistent with the monthly statements. I have been repeatedly told that I can not speak directly to the people that run the analysis, and have gotten varying answers from the people I talk to. With some admitting that they don't know how to read the analysis because they are not the ones that make them. 
- I again contacted the company on XX/XX/XXXX to dispute the analysis and provided my own ledger showing the correct deposits, disbursements, and ending balance. 
- I have also emailed them with them responding with correspondences showing incorrect dates. 
- Each time, the company responded that the analysis is correct without addressing the specific missing or incorrect entries I identified, and without providing a corrected escrow analysis. They have not corrected the errors or explained how the amount they have over the two months cushion and the {$50.00} allowed in overage could be returned. Because the companys escrow analyses consistently understate my escrow balance and show an artificial shortage. 
- My monthly mortgage payment has been increased to cover a shortage that should not exist. 
- The company has not recognized that I should have an escrow surplus of approximately {$750.00} at this time, and has not refunded any overage or adjusted the account accordingly.

Company response to consumer: Closed with explanation