Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
Northwest Bank XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX Northwest Bank Loan Servicing Department XXXX. XXXX XXXX XXXX, PA XXXX RE : ESCROW ACCOUNT REMOVAL REQUEST Loan Number : Property Address : XXXX RE : This letter constitutes a Notice of Escrow account removal. Dear Mortgage Servicing Department, I am writing to formally to request an escrow waiver review consistent with the servicing standards used for conventional mortgages, Loan Number : XXXX. Pursuant to Regulation X under RESPA ( 12 CFR 1024.17 ), mortgage lenders must allow escrow cancellation if certain conditions are met. My XXXX is around 71 %, and both my mortgage and HELOC are with Northwest Bank. Northwest Bank has access to my exact Mortgage balance, HELCO balance, available credit and 12 months of on time payment history. Could you please review my loan using the current HELOC balance rather than the Full HELOC credit limit? Servicing departments calculate CLTV using the actual HELOC balance ( current exposure ), not the full credit line ( maximum exposure ) Fannie Mae Servicing Guide Section 9206 - Escrow Waivers Servicing Guide B-1-01 Administering an Escrow Account and Paying Expenses A servicer may waive escrow requirements when : the mortgage is current the loan-to-value ratio does not exceed 80 % the borrower demonstrates the ability to pay taxes and insurance independently the servicer determines the waiver does not increase risk to the mortgage Servicer 's are also allowed to require : proof of insurance confirmation property taxes are current written borrower request I would prefer to manage the payment of my property taxes and homeowners insurance directly. I maintain sufficient reserves to pay taxes and insurance directly and will ensure both remain current at all times. If necessary, I am willing to provide proof of homeowners insurance and confirmation that property taxes will be paid directly. Please review my loan for eligibility for an escrow waiver and provide any documentation or requirements needed to process this request. Please advise on the next steps required to complete this escrow waiver request. Please find the attached documents supporting the information provided in this request. Attached documents ; - Northwest Home Equity Line of Credit Statement-Statement Date XX/XX/XXXX ( XXXX. document ) - Northwest Mortgage XXXX XXXX XX/XX/XXXX through XX/XX/XXXX ( XXXX. document ) - XXXX XXXX Homeowners XXXX XXXX of XXXX expires XX/XX/XXXX ( XXXX. document ) - Town of XXXX XXXX XXXX XXXX XXXX Taxes XXXX ( XXXX. document ) - Uniform Residential Appraisal Report Date of inspection XX/XX/XXXX - Northwest Mortgage Loan Disclosure Date Issued & Closing Date XX/XX/XXXX ( XXXX. document ) ( pg. XXXX provides additional information on this loan regarding XXXX Account ) Northwest is not giving me a valid explanation to my they will not honor my request. My contract states " ESCROW IS FOR NOW '' - I've caught them in numerous lies. I want my escrow removed.

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