360 Mortgage Group, LLC

Complaint: ***
I am rejecting this response because: regularly tells customers that it will take a few days to process payments The only reason knows how much was in my bank account was because I sent my bank statement (via ***) to verify that there was no attempt to draft the funds On the same date that the draft was "returned", there was a paycheck deposit - and the bank always processes any deposits prior to withdrawls The 3-way conversation between me, 360, and *** confirmed that there was no attempt by to take any funds prior to the 8th - the date that I called to see why my payment had not been taken
Regards,
*** ***

Please find our response attached above.Thank you, Mortgage Group

Complaint: ***
I am rejecting this response because:
I understand and accept most of Mortgage's explanation and resolution of the matter, except as it relates to the 'points' we were charged on the paperwork for our mortgageIt is correct that
we signed them and did not call to question it because we were told we had to sign and return immediately to complete the mortgage before the end of the monthAlso, I believe we should have been told about the points charge when the mortgage representative contacted us about refinancingWe were not given an option of a loan with or without points, just that we could save a great deal of money with the lower APR
I believe failed to do its due diligence by not properly explaining the costs associated with the new mortgage
The other actions taken are acceptable
**
Regards,
*** ***

Complaint: ***
I am rejecting this response because: regularly tells customers that it will take a few days to process payments The only reason knows how much was in my bank account was because I sent my bank statement (via ***) to verify that there was no attempt to draft the funds On the same date that the draft was "returned", there was a paycheck deposit - and the bank always processes any deposits prior to withdrawls The 3-way conversation between me, 360, and *** confirmed that there was no attempt by to take any funds prior to the 8th - the date that I called to see why my payment had not been taken
Regards,
*** ***

Mortgage Group, LLC (“Mortgage”) is in receipt of your Revdex.com complaint filed on 09/23/regarding the payment of your tax and homeowner’s insurance and subsequent refunds for your VA loan number *** Our records reflect that your loan with Mortgage is as follows:
***, with a Note date of 5/19/with a first payment due date of 7/1/for your primary residence. Our records reflect your old loan with Mortgage is as follows: ***, with a Note date of 12/22/with the first payment due date of 2/1/which paid in full on 5/20/ In your complaint, you state: “Predatory Mortgage LendingWe completed a refinance with Mortgage on occasionsTax and homeowners payments deducted after closing were paid by mortgage broker / settlement company. Our county of residence provided documentation of tax payment for years and acknowledged that a payment from Mortgage had never been receivedThey provided documentation the settlement company had made paymentTold that we would be a refund coming to us(May 2016). On Oct we refinance to get away from Mortgage and we have experience the same problem with our escrow refundWe closed on Oct and received a call from Mortgage who inquired if we had completed refinanceOn Oct we noticed that a homeowner payment was deducted on Oct from our escrowOur new lender confirmed that they had made that paymentEmail history of my inquiries with Mortgage is available.”” Per the Real Estate Settlement Procedures Act (“RESPA”) we are required to pay escrowed items (taxes and hazard) out of your escrow account when they become due. When loans are refinanced so close to the due date of your taxes and/or hazard, there is a higher chance of double payment. If during the time when the payoff statement is requested and the payoff takes place an escrowed item becomes due, we have to pay it to avoid late payment. Right before closing the title/ settlement company asks the taxing authority and/or the insurance companies if a payment has been made, and if they state the taxes and/or insurance have not been paid, then they will be due at closing. Although we paid the taxes and insurance prior to closing, the taxing agency or insurance company may not have processed the check at that time and so they told the title/settlement company that the taxes or hazard had not been paid. For this reason there is verbiage on the payoff statement that is provided to you that states, “the escrow balance is subject to audit and may change due to receipts and/or disbursements from the account prior to payment in full.” In both instances you have refinanced your loan the same month that the escrowed items were being paid. We are required to pay these escrowed items and we do not have control over what the settlement agent says is due at closing. As stated before, they are getting that information straight from the taxing agency and the insurance company, not from Mortgage In regards to your 1st installment of taxes, that were paid twice to *** *** County, we received a bill from our taxing service on loan number *** that the county taxes were due on 5/23/and we disbursed them from your escrow account on 5/24/in the amount of $1728.28. When the settlement company requested a payoff statement on 4/28/the taxes had not been paid yet, and if they called *** *** County prior to closing, they would not have processed the payment yet, so the title company/settlement agent said the taxes needed to be paid at closing On 6/1/the *** called in and stated that the taxes had been double paid, which prompted our Tax Specialist to open a task to our tax service company, ***, to reach out to *** *** County. On 6/16/we received a response back that stated, “PER THE AGENCY, *** PAYMENT WAS APPLIED TO THE 1ST INSTALLMENT AND SETTLEMENT COMPANY TO THE 2NDTHEY STATED THAT THERE WAS A REFUND REQUEST AND THEY WILL BE SENDING BACK PAYMENT FROM *** AND MOVE THE 2ND PAYMENT TO THE 1ST INSTALLMENTSAID IT WILL PROBABLY BE ABOUT WEEKS OR SO TO RECEIVENOT SURE IF IT WILL BE SENT UNTIL AFTER TAX DUE DATEWILL BE SENT TO *** AND THEN FORWARDED TO YOU.” On 6/23/customer service called the *** to inform them that *** *** County had responded and said they would be issuing a refund in about weeks The Tax Specialist followed up on the refund today, 9/23/2016, and was told that *** *** County is still researching the issue and the refund check has not been cut Regarding your complaint regarding loan number ***, as of today, 09/23/2016, we have not received any payoff funds and this loan is not paid in full. We received a bill from *** *** Insurance for the homeowner’s policy on this loan on 9/19/and paid it on 9/21/2016. Since we are not involved in the refinance and have not received any payoff funds, I can’t speak to your new loan closing documents or when your new loan will close, but when the payoff statement was requested on 8/25/it contained the same verbiage stated above, “the escrow balance is subject to audit and may change due to receipts and/or disbursements from the account prior to payment in full.” It is possible that if the title company/ settlement agent called the insurance company before closing and they had not processed that insurance payment, then the insurance company may have stated the insurance payment was still due To summarize, refinancing a loan close to the tax and insurance due dates sometimes results in double payment of these items. This does not constitute predatory lending as mentioned in the complaint. Both of these refinances were within month of the escrowed items being due. Unfortunately, we have no control over the speed in which a taxing authority processes their tax refundsPlease know that Mortgage sent the request and we are still waiting on the county’s refund. As soon as we receive the refund, we will mail the refund check to you. Furthermore, we are required by law to pay all of the escrowed items when they become due, so as long as your loan is not paid in full, even if a payoff statement has been requested, we cannot withhold payment for escrowed items such as hazard and taxes

Hello *** ***, Thank you for getting in touch with usWe understand that as the year draws to a close, it can become more difficult to manage one’s accounts, especially during the mad rush that is the holiday seasonThat being said, according to our records, you scheduled a payment using
our website on 10/31/effective 10/31/The amount due was $636.27, but according to the bank account statement that you provided your account only had $available to withdraw on 10/31/ As such, your payment was returned due to insufficient funds. Mortgage Group has reviewed our attempt to draft your bank account and have determined that the draft was attempted on 11/1/and was returned due to insufficient funds on 11/3/16. For your reference the trace number for this transaction is ***. Due to the payment being returned prior to our reporting to the credit bureaus you were accurately reported as days delinquentPlease be advised that we present customer-authorized electronic One Time Drafts one time to the customer’s bank account, providing same business day credit to the customer’s loan account for authorizations completed prior to 9:00pm CTWe perform this free of charge service for over 15,customers per month, so everything was handled ethically and appropriately I hope this addresses your concernsWarm regards, Mortgage Group, LLC

May 6, 2016 *** * ***
*** *** *** ***
*** *** ** ***Dear Mr***, We are in receipt of your complaint filed with the Revdex.com, regarding a marketing
mail piece you received from our company It seems that you responded to our offer and were ultimately denied due to your credit history. While our flyer did in fact list that No Minimum Credit Score was required, it also included a superscript which refers you to additional terms and conditions on the back of the piece. Please see below. We apologize for any misunderstanding, but assure you that we take every precautionary measure available to make sure that each mail piece meets the necessary requirements to be in compliant We would be more than happy to look into your ability to refinance again down the road should you so choose for us to I hope that this letter satisfies your concerns regarding this matter. Should you have additional questions please contact me directly at *** Sincerely, *** ***

Complaint: ***
I am rejecting this response because:
I understand and accept most of Mortgage's explanation and resolution of the matter, except as it relates to the 'points' we were charged on the paperwork for our mortgageIt is correct that
we signed them and did not call to question it because we were told we had to sign and return immediately to complete the mortgage before the end of the monthAlso, I believe we should have been told about the points charge when the mortgage representative contacted us about refinancingWe were not given an option of a loan with or without points, just that we could save a great deal of money with the lower APR
I believe failed to do its due diligence by not properly explaining the costs associated with the new mortgage
The other actions taken are acceptable
**
Regards,
*** ***

Hello *** ***, We are sympathetic to your situation and understand that obtaining a mortgage loan can be a frustrating process It sounds like your loan originator, a third party unaffiliated with Mortgage, has failed to keep you informed of the guidelines necessary to
qualify for our VA streamline refinance program The program, as currently offered by Mortgage, has a limitation on the loan amount in relation to the value of your house (known as the LTV or loan to value ratio) We use a highly reputable third party service to perform those automated valuations and have used this vendor/process for over 5 yearsOur records indicate you received a copy of that report and you can google CoreLogic's name to see that they are the mortgage industry leader in this specific product It has served tens of thousands of borrowers just fine in obtaining a loan from Mortgage We do not control or influence the valuation of your home We rely on independent, third party vendors to give us an unbiased valuation Please note that if you feel the valuation we received is incorrect your broker could always order a full appraisal in which an appraiser will actually go to your house, inspect it and assess an opinion of value based upon the condition and recent sales of similar homes in your area We continue to close and fund many loans at the interest rate you've indicated for other homeowners The allegations you've made based on the information you've received from your loan originator are entirely false It appears your loan originator is attempting to cover up their own incompetencies by blaming Mortgage On average we see borrowers in process for days or less Loans taking longer than days are usually the result of a loan originator failing to promptly resolve outstanding deficiencies which causes unusual delays Our records indicate your loan originator did not submit your loan documents to Mortgage for underwriting approval until November 22nd It is a shame your originator was not more proactive as we show they had your application as early as mid-October but chose not to submit anything to us until late November For reference, most loan originators submit their loans for approval within days of taking an application Had the loan originator timely handled your loan application then you would have been made aware of this issue sooner Please note that we delivered a copy of the valuation to you two business days after the loan was submitted to Underwriting so there was no delay on our part in providing that information Our records indicate that you spoke with one of our retail loan officers earlier today and that he confirmed for you that the reason your loan is currently in suspense is due to the valuation results Regarding the timing of our response; I hope you will understand that last week was the Thanksgiving holiday and that as an employer we try to treat our employees fairly by providing appropriate vacation time During this time we operate with a light staff and are not always able to immediate respond to requests The delayed response you received from the Wednesday before Thanksgiving to today, the Tuesday after, was the result of this holiday time We understand that it can be frustrating not qualifying for a home loan The issue can be further compounded by a loan originator which does not hold themselves accountable and misrepresents information We wish you the best of luck and as mentioned above you can order and pay for a full appraisal if you feel the valuation from the service we used was inaccurate. Sincerely, Mortgage Group, LLC

Mortgage Group, LLC (“Mortgage”) is in receipt of your rejection of our response to your Revdex.com complaint sent on 09/23/regarding the payment of your tax and homeowner’s insurance and subsequent refunds for your VA loan number ***Mortgage is providing the following response. You will also receive a copy of this response via regular mail that contains applicable supporting documentation noted, but not provided, in this response through the Revdex.com as they contain private and/or sensitive information Your rejection states, “Payment transmittal is attached for both refinances with MortgageTax receipts provided by *** *** County (attached) shows tax payment in the amount of $made by *** *** *** County reviews records and confirmed that a tax payment from *** *** County has never been receivedTax payment from a lender prior to our 1st loan with in also attached (Freedom Mortgage)I will personally follwith prince will county again next week and my homeowners insurance (*** ***). I can also provide an email history for communications with Mortgage and the responses Received” Your refinance for loan *** with Mortgage Group closed on 5/19/and disbursement occurred on 5/24/(a copy of the Closing Disclosure is provided with the mailed response). Prior to the Closing Date of 5/19/the settlement agent, *** *** ***, LLC would have contacted *** *** County to check for unpaid taxes. At that time, *** *** County stated that the taxes were unpaid, due to the fact that we did not submit payment to our tax service provider, ***, from your escrow account on loan number *** until 5/24/2016, which happens to be the same day as the Disbursement Date, the day the settlement agent disbursed funds for your current loan. *** *** *** collected money at closing for the 1st Installment taxes and then paid *** *** County (a copy of the receipt is provided with the mailed response). ***, received the check from us for your escrow account for loan number ***, and also paid the 1st installment taxes, which occurred on 6/7/(a copy of payment receipt is provided with the mailed response) On 6/1/you had alerted Mortgage of duplicate tax payments so we opened a ticket to *** to research On 6/16/*** responded, “PER COUNTY, *** PMT WAS APPLIED TO THE 1ST INSTALLMENT AND SETTLEMENT COMPANY TO THE 2NDTHEY STATED THERE WAS A REFUND REQUEST AND THEY WILL BE SENDING BACK PMT FROM *** AND MOVE THE 2ND PAYMENT TO THE 1ST INSTALLMENT. SAID IT WILL LIKELY BE ABOUT WEEKS OR SO TO RECEIVEWILL BE SENT TO *** AND FORWARDED TO MORT.” Please note that on Friday, 9/23/at 2:12pm, *** contacted Mortgage and stated, “*** with the *** *** County VA Tax Office just called advising the refund is still in process. The refund # *** is the reference number. They do not have an expected mail date as of today.” To eliminate confusion when contacting *** *** County in the future, we encourage you to use the refund reference number of #***We can certainly respect how confusing and frustrating this may be to you. With that said, we have confirmed that the refund will be to ***, so we intend to advance this amount to you now and recover our advance when the county releases the actual refund As previously stated, we are required to pay all of the escrowed items when they become due, so as long as your loan is not paid in full, even if a payoff statement has been requested, we cannot withhold payment for escrowed items such as hazard premiums and taxesIf for some reason your refinance had not closed, you would have wanted these billed amounts to have been timely paid by Mortgage on your behalf; otherwise, we do not believe you would have viewed our service as satisfactory

Please find our response attached above.Thank you

Dear Ms***, We are in receipt of your Revdex.com complaint regarding loan number ***, which you paid-in-full. Upon receipt of your complaint, we reviewed the escrow refund checks that had been prepared and determined there was an issue at our new print vendor with the process of matching
the escrow refund check with the short-form escrow statement. We met with management of our print vendor and have remediated this issueYour check was mailed out on 9/20/2016. We apologize for any inconvenience this may have causedWe will be sending you a check for $to express our appreciation for your business and our apology for the delay in your receipt of the refund check If you have any questions or concerns, please contact us at *** *** or via our website ***Sincerely, Customer Service Mortgage Group, LLC

Hello *** ***, Thank you for getting in touch with usWe understand that as the year draws to a close, it can become more difficult to manage one’s accounts, especially during the mad rush that is the holiday seasonThat being said, according to our records, you scheduled a payment using
our website on 10/31/effective 10/31/The amount due was $636.27, but according to the bank account statement that you provided your account only had $available to withdraw on 10/31/ As such, your payment was returned due to insufficient funds. Mortgage Group has reviewed our attempt to draft your bank account and have determined that the draft was attempted on 11/1/and was returned due to insufficient funds on 11/3/16. For your reference the trace number for this transaction is ***. Due to the payment being returned prior to our reporting to the credit bureaus you were accurately reported as days delinquentPlease be advised that we present customer-authorized electronic One Time Drafts one time to the customer’s bank account, providing same business day credit to the customer’s loan account for authorizations completed prior to 9:00pm CTWe perform this free of charge service for over 15,customers per month, so everything was handled ethically and appropriately I hope this addresses your concerns Warm regards, Mortgage Group, LLC

Revdex.com Serving
Utah November
24, W
S.Salt Lake
City, UT 84129Attn: *** ***, Dispute CounselorRE: Complaint ID 10864724Dear Ms***:We recently received your correspondence regarding a letter
of complaint sent to Mortgage Group, LLC (“Mortgage Group”) on or about
November 3, 2015. While we have no
record of receiving said inquiry, we are in receipt of the follow up
correspondence sent on November 16, regarding the mortgage account of Mr
*** ***, our loan number ***.
I appreciate the opportunity to respondIn his complaint Mr*** asserts that Mortgage
Group made a mistake during the closing
of his loan on October 27, that caused his property taxes to be paid
earlier than anticipated resulting in a large increase to his monthly mortgage
payment. Our review of Mr***’s loan
closing shows that the property taxes due by December 10, were not collected
or paid by the closing agent, which Mr*** should have been required to fund
at his loan closing, nor were the December 10, property taxes included in
the determination of Mr***’s initial escrow requirementsTaxes in the
amount of $3,were collected from Mr*** at the loan closing,
representing months of taxes in preparation for his tax bill of $3,due
April 10, On November 24, 2014, Mortgage Group paid the December 10,
due taxes on behalf of Mr*** in the amount of $3,At the same
time, Mr*** received, per his attached complaint, a refund of approximately
$4,from his prior servicerMr***’s prior servicer had not paid the
December 10th due taxes, which resulted in them refunding the escrow
balance to Mr***In essence, Mortgage Group paid the December 10th due taxes, but Mr*** received the funds for this payment from his prior
servicer, and was not required to fund these taxes at his loan closing with
Mortgage GroupOn June 26, 2015, Mortgage Group completed an annual
escrow analysis of Mr***’s account.
The results of the analysis indicated a shortage in the escrow account
of $3,The escrow shortage was the direct result of Mortgage Group
paying the December 10, due property taxes of $3,914.80, which Mr***
was not required to fund at loan closingThe reason Mr***’s escrow account
held by his previous servicer was approximately $4,was these were the funds
necessary to pay his December 10, taxes; but instead, the amount was
refunded to Mr***Mr*** has not been financially harmed as he received
the funds from his prior servicer’s escrow account that should have been
required to be funded by Mr*** at his loan closing with Mortgage Group
Mortgage Group paid Mr***’s taxes on
time before the December 10, due date, even though Mr*** had not been
required to fund his escrow at closing sufficient to pay these taxes when due Mr***’s escrow shortage is spreading the
amount that should have been in his escrow at closing, but was refunded to Mr
*** from his prior escrowAll customers are given the option to pay the escrow shortage
in one lump sum or have the shortage spread over a period of months to be
added on to their monthly mortgage payment.
The initial escrow analysis indicated that beginning with the September
mortgage payment, an additional $would be included in Mr***’s
mortgage payment to repay the escrow shortage. On October 27, as a courtesy to Mr***, Mortgage
Group completed another escrow analysis to spread the shortage amount over a
period of months thereby reducing the impact to the monthly mortgage
payment. The shortage amount added to
each monthly payment went from $to $77.01. Mr*** has been contacted on three
different occasions by members of Mortgage Group’s management team to
discuss this, but as of the last contact he remained unsatisfied with our
resolution.Mr*** requests that the entire escrow shortage be paid
by Mortgage Group and the shortage amount removed from his monthly mortgage
payment. We respectfully decline to
honor this request. The property taxes
were and still are a legitimate assessment against the property owned by Mr
*** and as part of the Deed of Trust signed by Mr*** outlining the
covenants of the escrow account, Mortgage Group is required to pay any
taxes out of escrow that may become due which can attain priority over the Deed
of Trust. Furthermore, we have extended
the courtesy of collecting the escrow account shortage over a period of
months impacting the mortgage payment by only $77.01. We regret that we are unable to fully comply with Mr
***’s wishes, but Mortgage Group has done all that we can to lessen the
impact to Mr***’s finances while complying fully with the requirements set
forth in the Real Estate Settlement Procedures Act (“RESPA”) and outlined in
the Deed of Trust. We have attached Mr***’s complaint in which he
references the $4,refund of escrow that he received from his prior
servicer, the Tax Cert which supports the amounts of taxes and their due dates,
and his final HUD-which shows he did not contribute into escrow any funds
with which to pay the December 10, taxesSincerely,*** ***Customer Care SupervisorCC: Mr*** *** *** *** *** ***
*** *** ** ***Enclosures: Revdex.com ComplaintFinal HUD-showing no taxes were collected for 12-10-Tax Cert from Mr***’s loan closing showing 12/10/and 04/10/tax amounts

The attached correspondence was sent via FedEx to our customer. Thank you

Dear Mr***,First, Mortgage Group, LLC ("Mortgage") wants to thank you for your military serviceOver 60% of the loans we service are VA loans for veterans.In your complaint to the Revdex.com, your desired outcome was "I would like them to take my property taxes off of my monthly house
payment, and stop giving me such a difficult time trying to get this doneI proudly served my Country in the Army and Marines for years, by all rights should not even be alive right now, and I have to deal with people who treat me like a problem."We are pleased to inform you that property taxes will be removed from your escrow account requirementsPer direct discussion this morning with the Clayton County auditor, *** ***, your disabled veteran homestead exemption will take effect this fall with the next tax installment in SeptemberGoing forward you will not owe property taxes for as long as you reside in the *** *** *** ***Mortgage will complete an updated escrow analysis with the taxes removed, which will reduce your future monthly payment amount and probably result in an overage refund to you.Prior to the Clayton County auditor's confirmation today, Mortgage did not have documentation supporting a 100% exemption for property taxes as the county's taxing agency's records did not reflect such an exemptionThe county assessor's office had confirmed that you had applied for an exemption, but it had not been processed to completion and the effective date of the exemption had not been determinedWe could not take action to remove property taxes from your escrow without confirmation from the taxing agency / county auditor that you would receive 100% exemption and it will take effect the next tax due dateAs you appreciate, many exemptions are partial to reduce the amount owed, not 100%.We appreciate your business and trust that this resolves your concerns.

We have communicated with the customer via email and his account has been corrected? Please let us know if additional information is required? Thank you

Complaint: ***
I am rejecting this response because: The excuse that every business attempts to deceive the public in the same manner, is not justification for it to continueInstead of setting yourself apart with honest business practices, you are content with copying the questionable tactics that other businesses useCongratulations, you are as bad as the rest
Regards,
*** ***

Mortgage Group, LLC (“Mortgage”) is in receipt of your rejection of our response to your Revdex.com complaint sent on 09/23/regarding the payment of your tax and homeowner’s insurance and subsequent refunds for your VA loan number ***Mortgage is providing the following response.? You will also receive a copy of this response via regular mail that contains applicable supporting documentation noted, but not provided, in this response through the Revdex.com as they contain private and/or sensitive information ? Your rejection states, “Payment transmittal is attached for both refinances with MortgageTax receipts provided by *** *** County (attached) shows tax payment in the amount of $made by *** *** *** County reviews records and confirmed that a tax payment from *** *** County has never been receivedTax payment from a lender prior to our 1st loan with in also attached (Freedom Mortgage)I will personally follwith prince will county again next week and my homeowners insurance (*** ***).? I can also provide an email history for communications with Mortgage and the responses Received”? Your refinance for loan *** with Mortgage Group closed on 5/19/and disbursement occurred on 5/24/(a copy of the Closing Disclosure is provided with the mailed response).? Prior to the Closing Date of 5/19/the settlement agent, *** *** ***, LLC would have contacted *** *** County to check for unpaid taxes.? At that time, *** *** County stated that the taxes were unpaid, due to the fact that we did not submit payment to our tax service provider, ***, from your escrow account on loan number *** until 5/24/2016, which happens to be the same day as the Disbursement Date, the day the settlement agent disbursed funds for your current loan.? *** *** *** collected money at closing for the 1st Installment taxes and then paid *** *** County (a copy of the receipt is provided with the mailed response).? ? ? ***, received the check from us for your escrow account for loan number ***, and also paid the 1st installment taxes, which occurred on 6/7/(a copy of? payment receipt is provided with the mailed response)? ? On 6/1/you had alerted Mortgage of duplicate tax payments so we opened a ticket to *** to research ? On 6/16/*** responded, “PER COUNTY, *** PMT WAS APPLIED TO THE 1ST INSTALLMENT AND SETTLEMENT COMPANY TO THE 2NDTHEY STATED THERE WAS A REFUND REQUEST AND THEY WILL BE SENDING BACK PMT FROM *** AND MOVE THE 2ND PAYMENT TO THE 1ST INSTALLMENT.? SAID IT WILL LIKELY BE ABOUT WEEKS OR SO TO RECEIVEWILL BE SENT TO *** AND FORWARDED TO MORT.”? ? Please note that on Friday, 9/23/at 2:12pm, *** contacted Mortgage and stated, “*** with the *** *** County VA Tax Office just called advising the refund is still in process.? The refund # *** is the reference number.? They do not have an expected mail date as of today.” To eliminate confusion when contacting *** *** County in the future, we encourage you to use the refund reference number of #***We can certainly respect how confusing and frustrating this may be to you.? With that said, we have confirmed that the refund will be to ***, so we intend to advance this amount to you now and recover our advance when the county releases the actual refund? As previously stated, we are required to pay all of the escrowed items when they become due, so as long as your loan is not paid in full, even if a payoff statement has been requested, we cannot withhold payment for escrowed items such as hazard premiums and taxesIf for some reason your refinance had not closed, you would have wanted these billed amounts to have been timely paid by Mortgage on your behalf; otherwise, we do not believe you would have viewed our service as satisfactory?

Please find our response attached above