Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
We submitted a complaint about RoundPoint Mortgage last week about them not paying our property taxes and miscalculating our escrow despite concerns from us. 
We need to add to this complaint as more information and mistakes was discovered since then.. 
After requesting an escrow analysis, which we still havent ' formally received, they called us and started saying we would owe about {$600.00} more in monthly payments. Yes, that is correct {$600.00} more!! with no clear explanation nor written proof. 
After some digging on our end, and making math we realized they never paid any single of our PMI premium. They were not even aware of it, or at least didnt tell us and were not transparent about that. 

So now, this is what Roundpoint is trying to do : - they want 17 months worth of PMI so they can reinstate the insurance ( {$1800.00} ) - they want 2 months of escrow cushion ( {$1200.00} ) since the escrow is now to almost XXXX This is not required, even less when no further major payment will be due until XX/XX/XXXX ( hazard insurance ) and taxes XX/XX/XXXX/XX/XX/XXXX. 
- they want to cover {$700.00} of gap since $ from our XX/XX/XXXX andXX/XX/XXXX monthly escrow payment were used toward XX/XX/XXXX property taxes - and lets not forget the {$1200.00} of tax refund we are not getting in our tax return because of their mistakes. 
- also, our taxes still show as unpaid on the XXXX county website .... the money is out of the escrow, and they claimed they paid, but again I will only believe it when i see it. 

This company is a fraud. Reviews online are horrific! we talked to a lawyer today to help us on how to move forward. Apparently it is not the first time they hear from RoundPoint at all. How is a company like that still running? 

We never talk to the same person, each time, we have to re explain everything, and they have to talk to their third party team. They know nothing. 
We have mailed a letter of error for the taxes, we have emailed and sent multiple messages through their message center - we got absolutely NO written answers from them. Zero. We get phone calls from different supposedly managers. We waste time and nothing is formal or clear. They did not even know they didn't pay PMI which is a requirement of our loan to protect THEM! And now they want this money back from us? 

We will be making noise about this. 
This is all unacceptable and stressful. I am XXXX XXXX XXXX and we are a one income salary. We do not need this kind of stress right now. nobody does, but even less. We will sue if we need to and if reasonable resolutions are not made. 

We also will not longer be responding to their phone calls. We expect every further communication in written and will not make any additional payment other than what wec currently pay until this is resolved.

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