Towne Mortgage, DBA AmeriCU XXXX # XXXX, originated and " manages '' my mothers FHA loan, which I am authorized to manage, handle all business, and make the monthly payments on. Every year, Towne Mortgage slaps a ridiculously expensive XXXX insurance policy ( highly profitable for them ) on my loan that makes my monthly mortgage and escrow payment go from about XXXX dollars per month to over XXXX per month, which we can not afford. This policy is completely unnecessary for FHA ( I know, I spoke with an FHA representative during the time the loan was closing ), as the master insurance policy for our large association covers the interior of all of our units, per the developer-written bylaws of the association. These bylaws have never changed meaning none of us with loans needs an XXXX policy. My neighbors have loans with other large lenders like XXXX XXXX and in talking with them none of them have to go through this year after year with their lenders. I provided this information prior to loan closing, and have provided the online link to the association documents in the past when this happened before, so it is not like they do n't know this. I have a saved email from XXXX of Towne Mortgages employees who fixed this problem for me several years ago PROMISING this would never happen again, yet is has. I will attach that email. Consequently I have withheld my XXXX, XXXX and XXXX payments until the insurance is cancelled retroactively, a new mortgage analysis is done to return my monthly payment to the correct amount, and all late charges are removed from the escrow account. What is most frustrating is that all the times I have tried to communicate this problem to Towne Mortgage in the last months NO ONE other than collections will return my emails or fix this. When I send a form in on their website XXXX no one ever responds to it, when I signed up for their encrypted email and send them a request to remove the insurance off the loan the XXXXXXXXXXXX is restricted and the email gets rejected. When I call and ask the operator for someone, anyones email that can help me, they always tell me to send it to XXXXXXXXXXXX, and guess what happens? - NO ONE ever responds to me. Since I can not get any help, I am sending via certified mail my XXXX XXXX and XXXX payments of XXXX to a person whose name I got who is the manager of loan servicing along with a copy of this complaint. Her name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX 
