General Discussion
In reply to the discussion: If your mortgage was transferred to Green Tree Servicing, see this: [View all]dixiegrrrrl
(60,169 posts)Elizabeth Warren created the Consumer Financial Protection Bureau.
Link:
http://www.consumerfinance.gov/
At the link you can submit a complaint AND submit your story.
If you live in a state with good real estate laws, like Cal. you can try to get a lawyer's advice.
This will entail some researching on the web, but good resources are out there.
The best solution would be to re-finance to get a mortgage that specifically says " no escrow, no pre-payment penalty, and pay my own home insurance".
That is the kind I was able to get with Countrywide back in '05, and it was only much later that I became aware of the mortgage fraud
and started researching it for the last 10 years.
Of course, back then, I did not realize that Countrywide would have given me a mortgage even if I was dead broke, cause of course they sold the debt instantly.
Re-finance is often not possible, I know.
You have to pay at least 20% down to get no escrow.And you have to have a very firm attitude.
I am not at all surprised that they are trying to use escrow to rip people off, my first house had escrow and they kept trying to change the amounts, back in 1995.
Another illegal trick they use is to make you pay for THEIR own overprices homeowner's insurance by ignoring your own insurer information.
Bank of America was real bad at this a few years ago.
When you get ripped off on your mortgage you WILL have to educate yourself about your rights.
Happily, a search engine quickly leads to many sites that have been dealing with the issue for a long time.