We refinanced our home in May of 05, in December of 05 or loan was sold for the 3rd time to America's Servicing Company. We had always had an impound account for our property taxes and home owners insurance. In January of 06 we started receiving past due bills on our property taxes. We immediately contacted ASC, by May of 06 they sent us a letter saying that we had an impound account and was current. Late July we receive notice from them that we do not have an impound account and owe them 10+K. We talk to them several times realize that we do owe them money, make plan and pay off impound account by October of 06. During this time we are in constant contact with ASC, but their collections branch is calling and sending us letter threatening to take our house, even though we have over 50% equity in our house. In October we paid the impound account but statement has negative amount owed. Contact ASC talk to a supervisor and were told to ignore, they want to prefund impound account. In January we find out that ASC reported our house payment late by credit breau. Contact ASC, find out that they have 5 different call centers across US. That they confacated our August house payment for impound account with out ever telling us and then reporting us late. No one ever calls you back, each time you talk to a different person and told something different. No one takes responsibility or cares.
