I have a mortgage for my residence in XXXX, NH which has been sold XXXX times now. The mortgage is currently held by the servicing company, Stearns Lending, XXXX XXXX, VA. The terms of my original loan were that no escrow account was required for either property taxes or property insurance. I have paid on time since the inception of the loan my mortgage, my taxes, and my insurance. All are current and up to date with no late payments. My loan was taken over by Stearns approximately 10 -12 months ago. During that period, no escrow was applied to my account. Stearns is in possession of my current property insurance coverages as well as the fact that I pay my insurance company directly. Two weeks ago I received a letter from Stearns stating that I owed them {$920.00} and that they were creating an escrow account for insurance and increasing my monthly mortgage rate by {$76.00} to make the escrow account. I pay XXXX directly for both my home and car insurance and it is up to date with no late payments. Stearns creation of this escrow account is in direct violation of the terms of my original mortgage. I do not want an escrow account and do not understand why I am being required to do so. I have contacted Stearns on numerous occasions and have received little to no appropriate response. I keep being sent back and forth between customer service, escrow, and insurance departments but apparently no one there seems to be able to correct the problem. It would be greatly appreciated if someone from your office could contact Stearns on my behalf. Thank you very much 
