Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CountryPlace Acceptance Corporation
State: MT

Complaint narrative:
XXXX. CountryPlace mortgage force placed insurance on my home lasg summer when the home was already insured and they were paying the premium from the escrow proceeds in the account. i discovered this error and cancelled the force placed insurance. CountryPlace assured me that they would be refunding the {$1800.00} premium I had paid in XXXX when they performed the annual escrow assessment on my account. They performed gthe assessment, lowered my monthly payment but never sent the refund. When I questioned them they did not know where the funds went and when I asked them for a breakdown of my escrow payments they sent me a statement that clearly shows I had paid double insurance payment all last year. 

XXXX. In XX/XX/XXXX, I began receiving past due notices from my insurance company. I made numerous calles to CountryPlace and no one was able to help me but they assured me that they would have either the Escrow Department call me or a Supervisor call me. No one every called so I continued emailing and calling them at least once a week. In early XXXX I received a notice from the insurance company that insurance had been cancelled due to nonpayment. My Insurance company sent me the notices and conrmed that they had billed CountrypPlace in XXXX and XXXX. After over XXXX  days when they had not received payment and did not receive any contact from CoiuntryPlace, they cancelled my Hazard insurance.ce. By the time I became aware of this unbeknownst to me, I had not had Hazard insurance on my home for over XXXX weeks. I immediately purchased a new Hazard policy and paid the premium myself. I also told my insurance company that I would be paying the inmsurance myself not CountryPlace so that I could be sure it woud actually get paid. I called and sent emails to XXXX people at CountryPlace including the Escrow department and never heard back from them. I called to make my XXXX payment but made it clear to them that I had already paid the hazard insurance so I was not going to pay that part of the escrow payment. They hung up on my twice and did not accept my payment. 

I am not sure what to do at this point. I do not want to renance because my interest rate is only XXXX. I am changing careers and will be earning my Master 's degree in counseling and begin my psychotherapy practice in XXXX so I am not in a position to renance at this time. 

When they neglected to show me what they did with the escrow money and neglected to pay the insurance premium it was not because escrlow was short because my loans had been paid XXXX months inadvance so there should have been, ore thanenough funds in escrow to pay all payments. 

XXXX. I received a reduction in property taxes last year because I qualied for a tax reduction program. The state of Montana billed CountryPlace approximately {$76.00} in XXXX of XXXX which CountryPlace paid. However I oaid them the full amount of my taxes but my account does not reect the extra payment and they refuse to provide me with documentation as to where the extra payment went to and why there is no credit in escrow. 

I have documentation for all of the claims I am making against CountryPlace and I am happy to forward the documents upon request. I do not see a link on this form that allows me to send documentation along with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation