ASC is charging me $57.84 as a monthly impound account they created out of thin air! I pay ins & tax myself & require no impound account to pay for me. They began a fee per above dated 4/13/2007 saying the house was uninsured from Dec 11 /2005 to January 4, 2006=28 days in 2005. Now they are feeing me %57.84 to payoff a insurance fee of $694 for the 28 days-that is a high rate!!! It's a fly by night operation-they apparently believe they can charge whatever they want. My loan was transferred to them and i want it transferred away from them-anybody know how? What/who do i complain to.

America's Servicing Company (ASC) bought my loan October 2006. Since, in less than six months as of March 23rd, 2007 (the date of last phone call I have received from them) they made three big mistakes! Each time, they clear my monthly mortgage payment, apply it the wrong way, apply the whole amount to the principal, then call me requesting to collect a debt saying my account is delinquent, that I didn't pay my monthly mortgage. They are applying my payments incorrectly and charging me a late fee of $49 each time. (sure I made them remove the charges after I found out how they are making these mistakes but still ever month or so they call and bother me at work and give me hard time.

When ASC notified me that they bought my loan, I signed a document giving them authorization for automatic withdrawal, but I had to withdrew the authorization of automatic withdrawal from them the very next month because they tried to sell me, by force and intimidation, a home insurance even though I told them that my home insurance is covered by the Home Owners Association (HOA), and that none of the previous lenders requested it directly from me, as they get it automatically when they buy the loan!

I felt that they were trying to trick me, intimidate me in case I do not get the documents they requested on time that they would have to withdraw the insurance coverage fee directly from my account. For that reason I had to withdrew my authorization and stopped them at once from touching my bank account.

I am not sure, I cannot prove it but since I withdrew the authorization and gave it to my bank to send them a monthly payment, since that day they keep making mistakes when it comes to my account. I wonder why in less then six months why it happened that they would apply my monthly payment incorrectly?

I tried to find an e-mail address for ASC in order for me to send them an e-mail, for my surprise they do not have one. They have a website where I can only check my account, make a payment but they do not have "Contact us" nor an e-mail address where I can write them directly.

Also when I checked ASC on the Internet this is when I found out that there are too many people complaining about ASC for years now! I am wondering why till nothing was done about them ?