Jemcap LLC

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: Please see attached screenshotJemcap states they sent me a letter providing information that they have taken over my loan but they have said other wise in email (which I have attached)Stating that [redacted] never supplied them with any contact information for me and the only information they had was a disconnected phone numberI asked why didn't you sed a letter to the address of the house whose loan you have taken over? I have yet to receive a response to this question [redacted] *** hadn't notified me either, if they did, then why would I have continued sending mortgage payments to them? Seems counterproductive on my part as a homeowner.In addition, any mortgage payments I sent in late were because I was never notified of the change in loan holdersI had automatic payments set up to pay capital one directly [redacted] forwarded these payments to JemCap, and they purposely sent those payments back to meIf I was delinquent, why send my payments back? Because Jemcap didn't want payments, they wanted to foreclose.In regards to proof of insurance, Ryan F [redacted] was my account manager and when he asked me for proof of insurance, I immediately faxed him and a [redacted] by the name of Beverly a copy of my insurance policy in which I've held since I've purchased the homeNeither bothered to do anything with this proof and decided to instead charge me for placeholder.Finally, AGAIN, I set up a payment plan to pay the water lien and so it was not necessary for JemCap to purchase that accountThey chose to purchase it because they were under the impression that they would clear out any liens so that they can take the property for themselves.Jemcap is bad businessThey purposely did not notify me of taking over my loanThey purposely returned my mortgage paymentsThey purposely charged me for placeholder insurance after proof was given to themGoing forward, I would like to have clear information about my account and I would like prompt responses to all my inquires about my loanIf this cannot be done please sell my loan to a bank who can In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: Jemcap states that they were not under the impression that the loan was non-performing but their actions at that given time tell a different story When Jemcap purchased my loan I was never notified by either companyIn fact, I continued paying [redacted] for over months after the loan was, unbeknownst to me, sold to Jemcap [redacted] (Jemcap’s servicer) returned all my mortgage payment checks that were forwarded to them by [redacted] around February Why would they return mortgage payments? In March 2014, Jemcap sent a letter stating that I must pay $20,or go into foreclosure(Please see attached documents)We have been receiving statements with past due balances upward of $11,to $13,I have reached out to Jemcap on several occasions since inquiring about what the past due balance consisted ofOver a year has passed and there is still no explanation from their account managers.I have had property insurance with New York Insurance for over years but Jemcap decided that even though I sent proof of this insurance (Please see attached documents) that they would still implement a “placeholder insurance” on my account at the cost of a $non refundable fee plus $a month tacked on to my mortgage paymentsI have been paying this amount for the past years and I have yet to see a refund.Jemcap took it upon themselves to pay a water lien that I had against my property for approximately $5kI had already signed a payment plan agreement with MTAG for a deposit of $plus a $a month payment planJemcap paid this lien without my consent and without informing meI was not aware that it had been paid until I received a check returning my deposit and my paymentsWhen Jemcap acquired my loan they raised my mortgage several times stating that they wanted more money in the escrow account for taxesBeing that I didn't want to be at the mercy of Jemcap whenever they choose to raise the mortgage for tax reasons, I sent a letter requesting to pay taxes myselfJune 2014, I had over $1,in escrowI requested that Jemcap use that to pay the next quarter tax payment and I would assume responsibly for the next quarterThey agreed but never paid the tax paymentI received a overdue notice from the IRS and had to pay out of pocketI then ask Jamcap to apply that $1,to the water lien they took overThat has yet to happenI don't see why it take so much effort to get anything situated on my accountI need the $to be applied to my lien as soon as possibleI also need this placeholder insurance fees of $per year for two years plus two years of $monthly payments to be refunded or applied to my water lien.Please see the documents attached In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: Please see attached screenshotJemcap states they sent me a letter providing information that they have taken over my loan but they have said other wise in email (which I have attached)Stating that [redacted] never supplied them with any contact information for me and the only information they had was a disconnected phone numberI asked why didn't you sed a letter to the address of the house whose loan you have taken over? I have yet to receive a response to this question [redacted] *** hadn't notified me either, if they did, then why would I have continued sending mortgage payments to them? Seems counterproductive on my part as a homeownerIn addition, any mortgage payments I sent in late were because I was never notified of the change in loan holdersI had automatic payments set up to pay capital one directly [redacted] forwarded these payments to JemCap, and they purposely sent those payments back to meIf I was delinquent, why send my payments back? Because Jemcap didn't want payments, they wanted to forecloseIn regards to proof of insurance, Ryan F [redacted] was my account manager and when he asked me for proof of insurance, I immediately faxed him and a [redacted] by the name of Beverly a copy of my insurance policy in which I've held since I've purchased the homeNeither bothered to do anything with this proof and decided to instead charge me for placeholderFinally, AGAIN, I set up a payment plan to pay the water lien and so it was not necessary for JemCap to purchase that accountThey chose to purchase it because they were under the impression that they would clear out any liens so that they can take the property for themselvesJemcap is bad businessThey purposely did not notify me of taking over my loanThey purposely returned my mortgage paymentsThey purposely charged me for placeholder insurance after proof was given to them Going forward, I would like to have clear information about my account and I would like prompt responses to all my inquires about my loanIf this cannot be done please sell my loan to a bank who can In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

September **, Dear [redacted] : We would like to address the complaint filed by [redacted] (ID # [redacted] )Jemcap LLC purchased a group of performing and non-performing loans from [redacted] in We do not only purchase non-performing loans and were not under the impression that the loan in question was non-performing at the time of the purchase [redacted] and Jemcap both sent letters to the borrower concerning the saleWithin days of the sale, [redacted] sent a letter to the borrower indicating who the loan was sold to, where to send payments to and provided a contact number for the new owner of the loanShortly thereafter, Jemcap sent a letter to the borrower introducing ourselves again as the new owner along with information on where to send payments and provided a contact number as wellIf necessary, I can provide copies of both of these letters for your reviewWe have spoken to [redacted] via phone and email many timesWe would return calls for any voice messages received within hoursAs for emails responses, if [redacted] did not get a reply immediately, she would forward us the same email multiple times until we had the chance to review her account and answer her questionsThe lien had already been sold to [redacted] Services LLC prior to our purchase of the loan from [redacted] BankSection of the mortgage provides that the mortgagor will pay water and sewer charges when due and promptly deliver official receipts to the mortgageeSection of the mortgage provides: “If the Mortgagor shall fail to perform or comply with any covenant, representation, warranty, agreement or condition of this Mortgage, the Mortgagee shall have the right, but not the obligation, to perform and comply with any such covenant, representation, warranty, agreement or conditionThe cost thereof paid by the Mortgagee together with all costs, expenses and disbursements shall be paid by the Mortgagor to the Mortgagee, upon demand, together with the interest thereon at the Default Rate ” We notified [redacted] about the lien but it was never paid off or redeemedJemcap ultimately paid off the lien in order to preserve the security interest of the mortgageThe payoff amount is listed as an advance on [redacted] account and has not incurred any late fees or interest chargesWe have explained this to [redacted] and were in the process of getting her proof of these charges but she was unable to wait until these documents can be retrieved from our servicerIf necessary, we can provide copies of these documents for your review as wellAs for the insurance fees in question, we have explained to [redacted] that the refund was already applied to her accountUnder Section of the mortgage, the mortgagor is required to keep the property insured and to deliver the policy or renewal policy (at least days prior to the expiration of the existing policy) to the mortgageeWe did not have a policy on file and contacted [redacted] several times for proof of insuranceSince we did not have proof of insurance from MsRaymond, we had to take out a lender’s insurance policy so that there is no lapse in coverageThe fees for the lender’s insurance policy were then charged to [redacted] accountOnce she did provide us with proof of insurance, we canceled the lender’s insurance policy and received a refundThis refund was then applied to [redacted] accountThe refund essentially canceled out the fees for the lender’s insurance policy and was never a charge paid b y [redacted] or an amount that was required to be sent back to herFinally, we have discussed the tax escrow with [redacted] as well and had resolved this issueOn April **, 2015, the borrower requested that we no longer escrow for taxes and informed us that she will be paying for them herselfThere was a mix up and our servicer did not pay one quarter of [redacted] taxes since we thought that she was going to pay themAs a result, there are funds in the escrow accountWe asked if she wanted the funds to be refunded to her or if she wanted them to be applied to her advances for the lienShe indicated that she wanted the funds to be applied to the lien advancesI hope this addresses all of the issues that [redacted] had and clears up the complaintPlease feel free to contact me by phone or via email at if you have any questions or would like me to forward you any of the documents that I referred to

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
Jemcap states that they were not under the impression that the loan was non-performing but their actions at that given time tell a different story. When Jemcap purchased my loan I was never notified by either companyIn fact, I continued paying *** *** for over months after the loan was, unbeknownst to me, sold to Jemcap*** *** (Jemcap’s servicer) returned all my mortgage payment checks that were forwarded to them by *** *** around February Why would they return mortgage payments? In March 2014, Jemcap sent a letter stating that I must pay $20,or go into foreclosure(Please see attached documents)We have been receiving statements with past due balances upward of $11,to $13,I have reached out to Jemcap on several occasions since inquiring about what the past due balance consisted ofOver a year has passed and there is still no explanation from their account managers.I have had property insurance with New York Insurance for over years but Jemcap decided that even though I sent proof of this insurance (Please see attached documents) that they would still implement a “placeholder insurance” on my account at the cost of a $non refundable fee plus $a month tacked on to my mortgage paymentsI have been paying this amount for the past years and I have yet to see a refund.Jemcap took it upon themselves to pay a water lien that I had against my property for approximately $5kI had already signed a payment plan agreement with MTAG for a deposit of $plus a $a month payment planJemcap paid this lien without my consent and without informing meI was not aware that it had been paid until I received a check returning my deposit and my payments. When Jemcap acquired my loan they raised my mortgage several times stating that they wanted more money in the escrow account for taxesBeing that I didn't want to be at the mercy of Jemcap whenever they choose to raise the mortgage for tax reasons, I sent a letter requesting to pay taxes myselfJune 2014, I had over $1,in escrowI requested that Jemcap use that to pay the next quarter tax payment and I would assume responsibly for the next quarterThey agreed but never paid the tax paymentI received a overdue notice from the IRS and had to pay out of pocketI then ask Jamcap to apply that $1,to the water lien they took overThat has yet to happenI don't see why it take so much effort to get anything situated on my accountI need the $to be applied to my lien as soon as possibleI also need this placeholder insurance fees of $per year for two years plus two years of $monthly payments to be refunded or applied to my water lien.Please see the documents attached
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Please see attached screenshot. Jemcap states they sent me a letter providing information that they have taken over my loan but they have said other wise in email (which I have attached). Stating that [redacted] never supplied them with any contact information for me and the only information they had was a disconnected phone number. I asked why didn't you sed a letter to the address of the house whose loan you have taken over? I have yet to receive a response to this question. [redacted] hadn't notified me either, if they did, then why would I have continued sending mortgage payments to them? Seems counterproductive on my part as a homeowner.In addition, any mortgage payments I sent in late were because I was never notified of the change in loan holders. I had automatic payments set up to pay capital one directly. [redacted] forwarded these payments to JemCap, and they purposely sent those payments back to me. If I was delinquent, why send my payments back? Because Jemcap didn't want payments, they wanted to foreclose.In regards to proof of insurance, Ryan F[redacted] was my account manager and when he asked me for proof of insurance, I immediately faxed him and a [redacted] by the name of Beverly a copy of my insurance policy in which I've held since I've purchased the home. Neither bothered to do anything with this proof and decided to instead charge me for placeholder.Finally, AGAIN, I set up a payment plan to pay the water lien and so it was not necessary for JemCap to purchase that account. They chose to purchase it because they were under the impression that they would clear out any liens so that they can take the property for themselves.Jemcap is bad business. They purposely did not notify me of taking over my loan. They purposely returned my mortgage payments. They purposely charged me for placeholder insurance after proof was given to them. Going forward, I would like to have clear information about my account and I would like prompt responses to all my inquires about my loan. If this cannot be done please sell my loan to a bank who can.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

September **, 2015 Dear [redacted]: We would like to address the complaint filed by [redacted] (ID #[redacted]). Jemcap LLC purchased a group of performing and non-performing loans from [redacted] in 2013. We do not only purchase non-performing loans and were not under the...

impression that the loan in question was non-performing at the time of the purchase. [redacted] and Jemcap both sent letters to the borrower concerning the sale. Within 30 days of the sale, [redacted] sent a letter to the borrower indicating who the loan was sold to, where to send payments to and provided a contact number for the new owner of the loan. Shortly thereafter, Jemcap sent a letter to the borrower introducing ourselves again as the new owner along with information on where to send payments and provided a contact number as well. If necessary, I can provide copies of both of these letters for your review. We have spoken to [redacted] via phone and email many times. We would return calls for any voice messages received within 24 hours. As for emails responses, if [redacted] did not get a reply immediately, she would forward us the same email multiple times until we had the chance to review her account and answer her questions. The lien had already been sold to [redacted] Services LLC prior to our purchase of the loan from [redacted] Bank. Section 4 of the mortgage provides that the mortgagor will pay water and sewer charges when due and promptly deliver official receipts to the mortgagee. Section 41 of the mortgage provides: “If the Mortgagor shall fail to perform or comply with any covenant, representation, warranty, agreement or condition of this Mortgage, the Mortgagee shall have the right, but not the obligation, to perform and comply with any such covenant, representation, warranty, agreement or condition. The cost thereof paid by the Mortgagee together with all costs, expenses and disbursements shall be paid by the Mortgagor to the Mortgagee, upon demand, together with the interest thereon at the Default Rate…” We notified [redacted] about the lien but it was never paid off or redeemed. Jemcap ultimately paid off the lien in order to preserve the security interest of the mortgage. The payoff amount is listed as an advance on [redacted] account and has not incurred any late fees or interest charges. We have explained this to [redacted] and were in the process of getting her proof of these charges but she was unable to wait until these documents can be retrieved from our servicer. If necessary, we can provide copies of these documents for your review as well. As for the insurance fees in question, we have explained to [redacted] that the refund was already applied to her account. Under Section 10 of the mortgage, the mortgagor is required to keep the property insured and to deliver the policy or renewal policy (at least 20 days prior to the expiration of the existing policy) to the mortgagee. We did not have a policy on file and contacted [redacted] several times for proof of insurance. Since we did not have proof of insurance from Ms. Raymond, we had to take out a lender’s insurance policy so that there is no lapse in coverage. The fees for the lender’s insurance policy were then charged to [redacted] account. Once she did provide us with proof of insurance, we canceled the lender’s insurance policy and received a refund. This refund was then applied to [redacted] account. The refund essentially canceled out the fees for the lender’s insurance policy and was never a charge paid b y [redacted] or an amount that was required to be sent back to her. Finally, we have discussed the tax escrow with [redacted] as well and had resolved this issue. On April **, 2015, the borrower requested that we no longer escrow for taxes and informed us that she will be paying for them herself. There was a mix up and our servicer did not pay one quarter of [redacted] taxes since we thought that she was going to pay them. As a result, there are funds in the escrow account. We asked if she wanted the funds to be refunded to her or if she wanted them to be applied to her advances for the lien. She indicated that she wanted the funds to be applied to the lien advances. I hope this addresses all of the issues that [redacted] had and clears up the complaint. Please feel free to contact me by phone or via email at if you have any questions or would like me to forward you any of the documents that I referred to.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Jemcap states that they were not under the impression that the loan was non-performing but their actions at that given time tell a different story.  When Jemcap purchased my loan I was never notified by either company. In fact, I continued paying [redacted] for over 3 months after the loan was, unbeknownst to me, sold to Jemcap. [redacted] (Jemcap’s servicer) returned all my mortgage payment checks that were forwarded to them by [redacted] around February 2014. Why would they return mortgage payments? In March 2014, Jemcap sent a letter stating that I must pay $20,246.61 or go into foreclosure. (Please see attached documents)We have been receiving statements with past due balances upward of $11,000 to $13,000. I have reached out to Jemcap on several occasions since 2014 inquiring about what the past due balance consisted of. Over a year has passed and there is still no explanation from their account managers.I have had property insurance with New York Insurance for over 13 years but Jemcap decided that even though I sent proof of this insurance (Please see attached documents) that they would still implement a “placeholder insurance” on my account at the cost of a $250 non refundable fee plus $72 a month tacked on to my mortgage payments. I have been paying this amount for the past 2 years and I have yet to see a refund.Jemcap took it upon themselves to pay a water lien that I had against my property for approximately $5k. I had already signed a payment plan agreement with MTAG for a deposit of $500 plus a $250 a month payment plan. Jemcap paid this lien without my consent and without informing me. I was not aware that it had been paid until I received a check returning my deposit and my payments. When Jemcap acquired my loan they raised my mortgage several times stating that they wanted more money in the escrow account for taxes. Being that I didn't want to be at the mercy of Jemcap whenever they choose to raise the mortgage for tax reasons, I sent a letter requesting to pay taxes myself. June 2014, I had over $1,900 in escrow. I requested that Jemcap use that to pay the next quarter tax payment and I would assume responsibly for the next quarter. They agreed but never paid the tax payment. I received a overdue notice from the IRS and had to pay out of pocket. I then ask Jamcap to apply that $1,900 to the water lien they took over. That has yet to happen. I don't see why it take so much effort to get anything situated on my account. I need the $1900 to be applied to my lien as soon as possible. I also need this placeholder insurance fees of $250 per year for two years plus two years of $72 monthly payments to be refunded or applied to my water lien.Please see the documents attached.
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

September **, 2015 Dear [redacted]: We would like to address the complaint filed by [redacted] (ID #[redacted]). Jemcap LLC purchased a group of performing and...

non-performing loans from [redacted] in 2013. We do not only purchase non-performing loans and were not under the impression that the loan in question was non-performing at the time of the purchase. [redacted] and Jemcap both sent letters to the borrower concerning the sale. Within 30 days of the sale, [redacted] sent a letter to the borrower indicating who the loan was sold to, where to send payments to and provided a contact number for the new owner of the loan. Shortly thereafter, Jemcap sent a letter to the borrower introducing ourselves again as the new owner along with information on where to send payments and provided a contact number as well. If necessary, I can provide copies of both of these letters for your review. We have spoken to [redacted] via phone and email many times. We would return calls for any voice messages received within 24 hours. As for emails responses, if [redacted] did not get a reply immediately, she would forward us the same email multiple times until we had the chance to review her account and answer her questions. The lien had already been sold to [redacted] Services LLC prior to our purchase of the loan from [redacted] Bank. Section 4 of the mortgage provides that the mortgagor will pay water and sewer charges when due and promptly deliver official receipts to the mortgagee. Section 41 of the mortgage provides: “If the Mortgagor shall fail to perform or comply with any covenant, representation, warranty, agreement or condition of this Mortgage, the Mortgagee shall have the right, but not the obligation, to perform and comply with any such covenant, representation, warranty, agreement or condition. The cost thereof paid by the Mortgagee together with all costs, expenses and disbursements shall be paid by the Mortgagor to the Mortgagee, upon demand, together with the interest thereon at the Default Rate…” We notified [redacted] about the lien but it was never paid off or redeemed. Jemcap ultimately paid off the lien in order to preserve the security interest of the mortgage. The payoff amount is listed as an advance on [redacted] account and has not incurred any late fees or interest charges. We have explained this to [redacted] and were in the process of getting her proof of these charges but she was unable to wait until these documents can be retrieved from our servicer. If necessary, we can provide copies of these documents for your review as well. As for the insurance fees in question, we have explained to [redacted] that the refund was already applied to her account. Under Section 10 of the mortgage, the mortgagor is required to keep the property insured and to deliver the policy or renewal policy (at least 20 days prior to the expiration of the existing policy) to the mortgagee. We did not have a policy on file and contacted [redacted] several times for proof of insurance. Since we did not have proof of insurance from Ms. Raymond, we had to take out a lender’s insurance policy so that there is no lapse in coverage. The fees for the lender’s insurance policy were then charged to [redacted] account. Once she did provide us with proof of insurance, we canceled the lender’s insurance policy and received a refund. This refund was then applied to [redacted] account. The refund essentially canceled out the fees for the lender’s insurance policy and was never a charge paid b y [redacted] or an amount that was required to be sent back to her. Finally, we have discussed the tax escrow with [redacted] as well and had resolved this issue. On April **, 2015, the borrower requested that we no longer escrow for taxes and informed us that she will be paying for them herself. There was a mix up and our servicer did not pay one quarter of [redacted] taxes since we thought that she was going to pay them. As a result, there are funds in the escrow account. We asked if she wanted the funds to be refunded to her or if she wanted them to be applied to her advances for the lien. She indicated that she wanted the funds to be applied to the lien advances. I hope this addresses all of the issues that [redacted] had and clears up the complaint. Please feel free to contact me by phone or via email at if you have any questions or would like me to forward you any of the documents that I referred to.

We would like to address each complaint as we did in the previous compliant. [redacted] stated that we did not notify her that the loan was sold. As stated in the previous response. She was notified in writing by [redacted] and then again by [redacted]. We have copies of both of those letters sent to her. So this accusation is just false. As far as payments sent to the previous bank and then [redacted] returning those funds that is true. The funds she sent in were several months later and at that point in time the account was delinquent and the policy to return funds sent in. In March we did send [redacted] a statement to reinstate her loan and indicated that if she would be reinstating her loan then we will have no choice but to commence foreclosure. The reinstatement listed all of the fees that were required to bring her mortgage current. We have worked with [redacted] to explain in detail what every charge was on her statement. So the statement she made that we did not explain the charges on her statement are false. To address her property insurance, I would like to state that she may have had property insurance but failed to provide proof to [redacted] or [redacted]. When we finally received proof she was credited the full amount to any advance that were charge to her account. Water Lien- There was water lien on her property that violated her mortgage agreement. It was her responsibility to pay her own water charges and she should have not allowed the water charges to become a lien against her property. When we purchased to loan we were notified of the lien and we paid it. Finally, she stated that we raised her mortgage payments. That statement is false. The mortgage payment was never changed. At the time the bank was escrowing for her taxes. We do not control the taxes and often the taxes increase from year to year and the escrow amount will change based on that

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Please see attached screenshot. Jemcap states they sent me a letter providing information that they have taken over my loan but they have said other wise in email (which I have attached). Stating that [redacted] never supplied them with any contact information for me and the only information they had was a disconnected phone number. I asked why didn't you sed a letter to the address of the house whose loan you have taken over? I have yet to receive a response to this question. [redacted] hadn't notified me either, if they did, then why would I have continued sending mortgage payments to them? Seems counterproductive on my part as a homeowner.
In addition, any mortgage payments I sent in late were because I was never notified of the change in loan holders. I had automatic payments set up to pay capital one directly. [redacted] forwarded these payments to JemCap, and they purposely sent those payments back to me. If I was delinquent, why send my payments back? Because Jemcap didn't want payments, they wanted to foreclose.
In regards to proof of insurance, Ryan F[redacted] was my account manager and when he asked me for proof of insurance, I immediately faxed him and a [redacted] by the name of Beverly a copy of my insurance policy in which I've held since I've purchased the home. Neither bothered to do anything with this proof and decided to instead charge me for placeholder.
Finally, AGAIN, I set up a payment plan to pay the water lien and so it was not necessary for JemCap to purchase that account. They chose to purchase it because they were under the impression that they would clear out any liens so that they can take the property for themselves.
Jemcap is bad business. They purposely did not notify me of taking over my loan. They purposely returned my mortgage payments. They purposely charged me for placeholder insurance after proof was given to them. 
Going forward, I would like to have clear information about my account and I would like prompt responses to all my inquires about my loan. If this cannot be done please sell my loan to a bank who can.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]