Evergreen Home Loans has mismanaged every change of payment that has taken place with my mortgage. I have paid my mortgage on time every month through a scheduled check delivery service, and no matter the change, Evergreen mishandles the change. The first instance was when they missed paying the county tax in XXXX of XXXX. It was not until I received letters from the county that I was in default and notified Evergreen that they took care of the problem. 

Secondly, in XXXX of XXXX I received notice that there was a shortage in my escrow amount due to increased county taxes. It was noted that if I pay a lump sum XXXX {$270.00} XXXX, it would be added to Escrow and my monthly total mortgage increase would not be as much. This money was not initially allocated to escrow XXXX future interest payment I believe, but it was a while ago ) and it was not until I called them that the issue was resolved. The additional principal I paid that month was not as much as it should have been because they had not allocated the lump sum to escrow. Again, it was not until I called that this issue was resolved. 

Third, in XXXX of XXXX I received another letter telling me that there was another escrow shortage due to increased taxes. The letter states, " If you choose to pay your escrow shortage of {$300.00} in full, your new loan payment amount will be {$1400.00} '' I called Evergreen on the phone and was told that they did not accurately calculate the escrow shortage in XXXX and that is why I was being charged again. As a first time homebuyer this was aggravating for financial reasons. I payed the full amount of {$300.00}. At this time, I spoke with a supervisor at the call center and notified them of their continued mistakes. 

Fourth, I just received a copy of my most recent statement ( XXXX/XXXX/XXXX ) and it shows that {$300.00} was applied to escrow, but that my total monthly payment due is {$1400.00}, not {$1400.00}. They did not re-calculate my payments to account for my lump sum escrow shortage payment ... .for the second time. I have recently been paying {$1400.00} per month to get ahead on my loan, and instead of having {$48.00} paid as additional principal, they are only showing {$23.00}. 

I will be calling them tomorrow but I think the number of mistakes shows either gross negligence of their accounting department, or a scheme to gather extra money without customers noticing. It is aggravating and disheartening to have to deal with this company 's mistakes every time there is a change to my mortgage. 
