I have a mortgage that is currently being services by Sterns Lending/Loan Care. I went on line on XXXX/XXXX/2015 to make my mortgage payment only to find out that my payment had increased by almost {$400.00}. I called Sterns and was told that my mortgage insurance was doubled on my FHA loan in error after an account analysis had been done. They advised that they would do another account analysis that would take two weeks and fix the issue. I was told I would n't be charged late fees because of their error. I checked every day up until XXXX to see when my payment was corrected. On XXXX when I checked my payment was changed but still much higher than the mortgage payment that I qualified for and had been paying. They said the notes in the system were due to a shortage in my escrow account. I was issued a REFUND on my escrow overage less than two months prior to this happening ... .now I have a shortage? I asked why I as given a refund and now they are increasing my payment beyond what I qualified for or wanted. After being on hold for 30 minutes I was told by the representative that neither her or the manager could figure out why my payment had increased and that I needed to just make my payment. I went online to make my payment so that my credit would n't be adversely affected and I was charged the late fee that I was told would be waived due to their error. 
