Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: WI

Complaint narrative:
I am filing a complaint against RoundPoint Mortgage Servicing regarding a pattern of escrow mismanagement beginning at the time of a servicing transfer on XX/XX/XXXX, resulting in a monthly payment increase of over {$500.00}. BACKGROUND : RoundPoint assumed servicing of my mortgage from XXXX on XX/XX/XXXX. Almost immediately, problems with my escrow account began. SPECIFIC ISSUES : XXXX. MISSING STATEMENTS : Monthly mortgage statements for XXXX, XXXX, XXXX, and XX/XX/XXXX are not accessible through RoundPoint XXXX online portal. These are the XXXX months immediately following the servicing transfer and the period during which the escrow problems originated. RoundPoint has not explained why these records are unavailable. XXXX. IMMEDIATE ESCROW DISCREPANCY AT TRANSFER : The first statement visible in RoundPoint XXXX portal, dated XX/XX/XXXX, already shows an escrow discrepancy. My last recorded escrow payment was {$700.00}, while my required escrow amount was {$840.00}. This suggests my account was not set up correctly from the date of transfer. XXXX. ERRONEOUS INSURANCE DISBURSEMENT : RoundPoint made an erroneous disbursement of approximately {$1700.00} to my insurance provider. The payment was not owed. My insurer identified the error and refunded the amount directly to me. RoundPoint did not proactively notify me of this error. XXXX. PATTERN OF NONCOMPLIANCE : This is the second time RoundPoint has made this type of erroneous insurance disbursement. A prior incident of approximately the same amount occurred previously and was similarly refunded by my insurer. XXXX documented incidents of the same error constitute a pattern of noncompliance under RESPA. XXXX. MANUFACTURED SHORTAGE AND PAYMENT INCREASE : As a direct result of the above mismanagement, RoundPoint performed an escrow analysis identifying a significant shortage and raised my monthly payment by over {$500.00}. I believe this shortage was caused entirely by RoundPoint XXXX own errors. STEPS I HAVE TAKEN : XXXX. I submitted a Qualified Written Request ( QWR ) under RESPA on XX/XX/XXXX. RoundPoint acknowledged receipt on XX/XX/XXXX and stated they will respond within XXXX days. I have not yet received a substantive resolution. XXXX. I submitted a second supplemental QWR today, XX/XX/XXXX ; requesting the missing statements, escrow transfer documentation, and disbursement records. WHAT I AM REQUESTING : XXXX. A complete audit of my escrow account from XX/XX/XXXX to present. XXXX. Production of all missing monthly statements from XXXX through XX/XX/XXXX XXXX. Documentation of the escrow balance transferred from XXXX on XX/XX/XXXX XXXX. Correction of my escrow balance and monthly payment if the shortage is found to result from servicer error. XXXX. Reimbursement of any excess payments made as a result of these errors. I believe RoundPoint XXXX conduct constitutes multiple violations of RESPA, including failure to accurately maintain escrow accounts, failure to disclose erroneous disbursements, failure to properly execute a servicing transfer, and a pattern of noncompliance. I am aware that RESPA provides for actual damages, statutory damages of up to {$2000.00}, and attorney 's fees in cases of demonstrated patterns of noncompliance. I have retained all available statements, correspondence, and documentation and am prepared to provide them upon request.

Company response to consumer: Closed with explanation