Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: MS

Complaint narrative:
In XXXX, I disagreed with their escrow analysis wanting to increase my payment by over {$300.00} because they were trying to charge me property taxes when Im 100 % XXXX and I dont pay property taxes and it was in the file already they increased my escrow after that by {$130.00} or {$140.00} I cant actually see because theyve restricted my access to the online account but long story short nobody ever called me or went over my escrow analysis with Me. They sent me letters. And on XX/XX/XXXX or XX/XX/XXXX I made a payment towards my account and I was {$130.00} short they didnt apply my payment to the principal and interest but they applied a payment to my escrow. And in held {$940.00} XXXX dollars on hold and didnt tell me that they didnt apply it to the principal and interest and then when I called in XXXX to XXXX a payment they told me I needed to pay over {$2000.00} which Im on a fixed income, and I cant afford that and they never told me that they didnt apply my my balance and they still didnt apply it after I spoke to them in on XX/XX/XXXX. They reported me as late and not more than XXXX payments because they wouldnt take my payment on XX/XX/XXXX of what I normally pay. I was disputing escrow escrow couldve waited. I couldve made it up to {$260.00} later once somebody called me and went over it nobody called me. I kept dealing with them stuff happened and somebody pulled money out of my account and I couldnt make my my month of XXXX payment because they didnt take it on the first. They never told me that my payment was considered late for being {$130.00} short and if they cant take partial payments then why did they take it in XXXX missing {$130.00} now XXXX being charged late fee fees being threatened with foreclosure because they wouldnt accept a partial payment in XXXX like they did in XXXX. They couldnt even take a part of XXXX payment and apply it towards XXXX to make XXXX hole and hold the other they they specifically told me they wouldnt take my payment in XXXX. Now I cant catch up because Im on a fixed income. It might everything has increased for me food utilities everything in my pay hasnt really gone up. I cant even call right now or access my loan to make a payment today so XXXX not another 30 days late because I got paid today because I switched my pay to a place that gives it a few days early just so I could pay it sooner I am I have never had a problem with my mortgage with XXXX XXXX with XXXX XXXX XXXX XXXX with XXXX XXXX never missed a Mortgage Payment in the XXXX 15 years Ive had a mortgage. Until service mac took over my loan and bullied me. I applied for help with them and some lady called me and basically belittled me because I didnt make my payment in XXXX or pay an extra {$130.00} in XXXX when I didnt have it and I was disputing my escrow the escrow is what increased not the principal and interest. I shouldve been able to pay the principal and interest and if my my escrow has been short for the last year, whats another XXXX months till somebody calls me and we go over It I feel like theyre deliberately trying to steal my house from out out from under me because its increased by over {$100000.00} in XXXX years and because I have a 2.5 % interest rate and now the rates are over 6 % like theyre gon na try to stick me with a with a modifier and increase my rate and increase my payment as they are now Im a XXXX veteran with a VA guaranteed loan and Ive paid my mortgage every month since I started buying a house. This is my second home. I sold my first one never late and now they have ruined me.

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