We had our mortgage through XXXX. We always paid on time.. escrow of taxes and insurance was included. Our mortgage was sold to Green Tree and unknown to us our escrow balance went to {$0.00} ... it was not as zero when the mortgage was sold.. the money is missing.. Green Tree then switched to Ditech.. we recently got XXXX letter from them saying we owed {$3000.00} in escrow.. when they were the ones doing the escrow analysis and we were paying what we were told to pay. They are confused. we cant get an answer from anyone. We paid our insurance this year to avoid escrow and they still are refusing to do another analysis to come up with our new payment. 
