My Mortgage loan with U.S. Bank currently has an escrow account with a XXXX cushion on it. I am aware that " [ T ] he RESPA statute and regulations do not require the lender to maintain a cushion. However, since XX/XX/XXXX the RESPA statute has allowed lenders to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments. If state law or mortgage documents allow for a lesser amount, the lesser amount prevails. '' From what I have found through research, Oklahoma does not have any State RESPA laws in place in regards to having a mandatory 2 month cushion on escrow accounts. However, when I spoke with U.S. Bank in regards to removing my 2 month cushion, I was told by XXXX different representatives, on XX/XX/XXXX, that they are unable to remove my XXXX cushion due to the fact that I live in the state of Oklahoma. XXXX representative stated that it was due to the state law, and the next representative ( her supervisor ) stated that it was U.S. Bank 's internal policy that for mortgages in which properties reside in the state of Oklahoma require a 2 month ( XXXX ) cushion, and they will not remove this. She stated that it was not for all states, but they will not remove this on my account due to the fact that I live in the state of Oklahoma. I asked multiple times to speak to U.S. Bank 's Escrow Department, so that I could speak directly to someone that specializes with escrow, because I knew that there was not a state law requiring a 2 month cushion to be maintained on my escrow account, and I was told that I could not speak directly to their Escrow Department. I was also offered, that if I was unsatisfied with having to maintain a XXXX cushion, that I could always just cancel my escrow account and pay for my insurance and taxes on my own. I let the lady that I spoke know that she could not offer this to me, that I have a VA loan, and that she should not be offering me to cancel my escrow account, due to the fact that I have a government backed loan. 
