They took six months for a refinance and quote us much lower closing costs that what was actual at closing. The old loan escrow was paid out to all kinds of accounts like a triple payment made to my homeowners insurance and a double to the township a interest payment to the old loan post closing and three HUD payments after closing and payoff of original loan driving it into a negative number. The new loan claimed the shortage from escrow from all of the overpayments on the old loan and they raised my monthly payment to make up for it. I have been trying for a year now to get it straightened out and all that has been fixed is I have received one refund for one payment from the insurance company. I have all the info and customer service says to send it to them so I do and I never once have heard back from them, so I call and start over with someone else and it goes the same way. I am considering a payment stoppage to get their attention, but I’m afraid that will mess things up worse. I need help!