We had a home built and closed on our loan in XXXX of XXXX. We closed knowing the taxes were based on an unimproved amount and would increase in XXXX of XXXX when the XXXX appraised our home with improvements on the land. When XXXX XXXX came and went and I had not received a letter from BB & T Mortgage regarding an increase in our payment due to the taxes going up I called them. I was told that they do their annual escrow evaluations in XXXX of every year and I should receive a letter in XXXX. Knowing that there was already a 6 month time period for the XXXX taxes that I have not been paying on improved amount I began saving money to accommodate until BB & T sent their letter. When I received their letter in XXXX XXXX it said my escrow shortage was {$480.00} which I knew had to be wrong as our taxes went from {$1000.00} per year to {$9700.00} per year. I called BB & T the same day I opened their letter and explained that I thought they were wrong and they needed to properly adjust my mortgage payments. The person I talked to said they could see what I was saying but that their escrow department sends the notices and if there is a shortage after they pay the taxes in XXXX XXXX they will notify me of the shortage to pay. When XXXX XXXX came and went with no communication from BB & T I called them again. They said I would get a notice for the XXXX shortage after they do their annual evaluation in XXXX XXXX. I saved the difference in taxes paid versus owed for XXXX waiting for the letter which I received XXXX XXXX, XXXX. To my complete shock when I opened their letter it said that I have an escrow shortage of {$15000.00} or the option to have my mortgage go from {$1800.00} to {$3800.00}. BB & T waited TWO YEARS to get my escrow account right and send a letter saying I owe them {$15000.00} - this is insane! Although I did my best to be a responsible consumer and save for what I thought my shortage would be due to BB & T 's complete lack in ability to properly set up an escrow account it is nowhere near what they say it will be. I now have to sell my home as we can no longer afford to live here. Had they adjusted my mortgage when they should have in XXXX of XXXX this would not be an issue. BB & T 's lending practices are irresponsible and reckless, not to mention financially crippling to consumers like myself. Please assist in making sure that consumers like myself are not victimized this way in the future and force BB & T to better service their customers. What has happened to my family is in my eyes criminal and now my entire monthly salary will have to pay this mortgage payment until I can sell this home that we can no longer afford due to the careless lending practices of this company. Please help! 
