Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint against XXXX, the servicer for my XXXX mortgage on behalf of CMG Mortgage XXXX for serious escrow mismanagement, a duplicate property tax payment, an unexplained negative escrow balance, and conduct I believe is retaliation for both my prior CFPBXXXX complaints and my military status. 

According to XXXX escrow activity, they claim to have paid my 1st Installment XXXX XXXX XXXX XXXX secured property tax on XX/XX/XXXX, showing an escrow advance of {$4000.00} and a tax disbursement of {$4000.00}. However, more than two weeks later, the County Tax Collector website still showed the installment as unpaid and delinquent. XXXX never notified me of this disbursement and never provided proof of payment. 

Because the County continued to show the tax as delinquent and XXXX failed to notify me or correct the status, I paid the same {$4000.00} directly to the County on XX/XX/XXXX. This created a duplicate tax payment. XXXX has refused to reimburse me, request a refund from the County, or even acknowledge the duplicate payment. I still have no documentation that Cenlars alleged payment was ever received or applied by the County.

Immediately after this issue, my escrow account began showing a negative balance with no explanation where my escrow funds went. XXXX has not provided any escrow analysis, any shortage notice, or any accounting required under federal or California law. They have not explained the negative balance or where my escrow funds were applied. 

XXXX actions violate : California XXXXivil Code 2954.1 ( timely tax payment and accurate escrow accounting ) 12 C.F.R. 1024.17 ( k ) ( 1 ) - ( 2 ) ( timely escrow disbursements and accurate records ) 12 C.F.R. 1024.17 ( f ) and ( i ) ( required escrow statements and analyses ) 12 C.F.R. 1024.35 ( b ) ( 6 ) - ( 7 ) ( failure to disburse escrow funds properly ; failure to correct errors ) 12 C.F.R. 1024.38 ( b ) ( 3 ) ( accurate borrower information and communication ) I am currently XXXX on federal active-duty XXXX orders XXXX After my prior complaints about XXXX SCRA and deferment handling, XXXX escrow errors, negative balance, refusal to correct the duplicate payment, and withholding of escrow information all began. This pattern appears retaliatory. Such actions are prohibited under : SCRA, 50 U.S.C. 3953 ( d ) ( no adverse actions during XXXX XXXX ) California Military Families Financial Relief Act ( Mil. & Vet. Code 800811 ) ( no punitive or retaliatory servicing actions ) California Business & Professions Code 17200 ( unfair and unlawful practices ) VA Servicer Handbook M26-4, Chapter 5 ( accuracy in escrow and military borrower protections ) Cenlar has refused to : Refund or credit the duplicate {$4000.00} Provide proof that their alleged XX/XX/XXXX payment was ever received by the County Explain the negative escrow balance Provide a complete escrow accounting Perform a RESPA-compliant error investigation under 12 C.F.R. 1024.35

Company response to consumer: Closed with explanation