Consumer complaint received 2025-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: PA

Complaint narrative:
Below is a copy of the email correspondence that I sent CalCon / OneTrust : To Whom it May Concern, I will be mailing you the following letter, and issuing a formal complaint to CFPB as follows : -- - Date : XX/XX/year> To : XXXX XXXX Department CalCon Mutual Mortgage LLC ( dba OneTrust Home Loans ) Re : Notice of Error under XXXX C.F.R. XXXX ( RESPA Error Resolution ) Mortgage Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, PA XXXX Dear Servicer, I am writing to notify you of a serious error in my mortgage escrow account under XXXX C.F.R. XXXX a Notice of Error under Regulation XXXX ( RESPA ). 

Description of the Error : My official property tax bill for my newly constructed home indicates a tax assessment of {$330.00} ( copy of the bill attached ). 

Your recent escrow analysis ( via email ) states that you are estimating {$7500.00} for property taxes plus {$7500.00} for school taxes, total of {$15000.00}, which is clearly inconsistent with the actual tax assessment. 

This discrepancy appears to be either an unauthorized overcharge or a calculation error, as the amount vastly exceeds any reasonable tax liability or standard escrow cushion. 

What I Request : I request that you : Correct this escrow miscalculation immediately, adjusting the monthly escrow amount to align with the actual tax liability. 

Provide a corrected escrow analysis showing line-by-line how you arrived at the current escrow demand, including : Copies of the tax bills you referenced ( property and school taxes ) The formula or method used to compute the figures Details on any escrow cushion applied per RESPA guidelines Confirm whether any supplemental assessments or other charges were erroneously included and, if so, remove them. 

Legal Requirements : As required under XXXX C.F.R. XXXX : You are required to acknowledge receipt of this error notice within XXXX business days. XXXX XXXX XXXX XXXX XXXX XXXX You must investigate and respond within XXXX business days, either correcting the error or, if no error is found, providing a written explanation and copies of documents supporting that conclusion. XXXX XXXX XXXX XXXX XXXX XXXX You may not charge a fee or require any payments from me as a condition for investigating or resolving this error. XXXX XXXX XXXX XXXX XXXX XXXX Attachments : Copy of property tax bill ( {$330.00} ) Escrow statement & earlier communications Please treat this letter as an official Notice of Error under RESPA. I expect your full adherence to the regulatory timeline and proper resolution. 

Thank you for your prompt attention to this matter. 



Summary Table Item My Case Next Step Shown escrow taxes {$7500.00} + {$7500.00} Request detailed breakdown and underlying documents Actual tax assessment {$330.00} Verified verbally and attached Supplemental/new construction? N/A Confirm via local tax authority verbally Dispute process To be initiated Send formal RESPA Notice of Error Further escalation options XXXX CFPB, state regulator, XXXX as needed Sincerely, XXXX XXXX XXXX XXXX mobile

Company response to consumer: Closed with explanation