Reference: Loan No. 03501539 Ladies/Gentlemen: In February 2010 you increased my Mortgage payment $300.00, due to an escrow shortage that started in 2007. I worked out payment arrangements at that time and agreed to pay more when I could to pay off this deficit. I systematically paid $211 over the minimum for 2 years and $95 +/- since Jnuary 2010., only to find that the excess was, to my shock, being applied to principal reduction. I have contacted your company many times and asked that these funds be properly applied to the... read full review »