The company that is now servicing our loan:1 ) modified our interest rate early : we had a modification that was suppose to run through XX/XX/XXXX payment, they modified our interest rate early, XXXX 's payment, and screwed up our payment amount. 
2 ) They paid our property taxes : We have never had an escrow account with this loan, we have always paid the taxes ourselves. They did not inform us that they were going to do pay our taxes or even ask if we were going to pay them, they just went and paid them. Then a month after that they added the amount they had paid to our loan balance, which they can not do. 
3 ) They have started adding mysterious charges : They have never informed us as to what these " Fees '' are for, they simply added them to the bill. 
4 ) Now they are trying to add an escrow account, even though it clearing states in our loan that there is to be NO escrow account and that we will be paying both the taxes and the insurance. Which we have done for the past XXXX years without fail. 
5 ) we asked for a loan modification in XX/XX/XXXX, we have not heard back from them, other then to send us endless form letters that say nothing. When I call I am told that I can not speak to that department because they do n't have a customer service line, when I ask if they can have them call I am told that all the person I am talking to can do is send a message to the other department and ask them to contact me. When I pointed out that they have never called me back from any of the XXXX phone calls I have made they tell me sorry, all they can do is send a message, even when I ask to speak to a supervisor I am told that all the supervisor can do is send a message. 
