Credit Advice

I would file a complaint with the attorney general in your state or theirs and maybe a BBB complaint also(BBB is mostly worthless though). If that is not resolved I would suggest contact an attorney using the naca.net site. Remember that if you do need to litigate against them you need to place those tradelines with the credit bureau in dispute first else you will have no cause of action. I would do that asap and get that AG complaint out. I had a mortgage company do that to me and they jerked us around and I just mauled them in court to the tune of 19 grand. Don't be a victim.

Given the political attention mortgages have, I would also send letters to my congressmen, as well.

In general, what your bank is doing is illegal. This violates rules as put down through multiple federal regulatory agencies (FHA, FDIC, SEC) and there can be severe and significant penalties for violating these. And, chances are, you aren't the only person they are doing this too, and they probably do not want their books reviewed at their own expense.

I'd file complaints with these agencies, as well as those outlined by camalott4.

if charges to your escrow account have gone up (such as property tax or insurance) It will cause your monthly payment to go up in order to compensate for the difference. The lender will always pay up the escrow before it applies anything to the actual loan. Your mortgage payment should change annually(at least a little)due to these fluctuations.