I refinanced my condo in XXXX XXXX. When I refinanced, I had to show proof of hazard insurance XXXX home insurance ). I did that, that 's how I got to closing with the loan. When the escrow account rebalanced in XXXX, somehow, they forced their hazard insurance into my escrow account ( now mind you, I pay out of my own pocket for home insurance every year ). I called to complain about it, and it took several months to resolve. Once resolved in XXXX, there was an overpayment applied to my principal ( the overage was the insurance payment ). When my escrow rebalanced in XXXX, they did the same exact thing. I have complained to them several times. They have even done another escrow analysis and this time, they are charging me too much for my taxes. My taxes were {$1100.00} last year, this year they were reduced to {$1000.00} XXXX for some reason, the bank gave me the run around about how they were still assessing my escrow at the XXXX taxes XXXX. I informed them that my taxes had gone down, and it took me another XXXX phone calls to get it resolved. During this process, my mortgage payment should be less than {$1000.00}. Because of their inability to perform simple tasks, my mortgage payment were {$1000.00} for 2 months, then {$1000.00}. This is unacceptable that I have to pay for their lack of doing their jobs. I am now in the process of cancelling my escrow account, but I have been jerked around with this process also. 
