I purchased a home in XXXX XXXX. In XXXX XXXX, my mortgage was sold to SLS. I immediately began getting threatening letters from SLS about " inadequate insurance '' and was told I must make arrangements for coverage or face fines / litigation. According to the terms of my loan, property insurance is paid through my escrow account, however I have concerns that SLS is not acting within the law regarding collection and distribution of escrow funds. I did some further research and discovered that SLS has a reputation for such unethical activity. I am now in the process of refinancing with a reputable company, am worried about what SLS 's misbehavior will do to me financially until it is no longer my mortgage servicer. Please investigate and let me know what steps I should take to address this issue. Thank you 
