[prepend]

Being the servicer allows for all sorts of griefing that falls completely within regulation guidelines.

My service has done dumb things, all presumable by accident, like: deposit my check into a different account, charge me a late fee and not refund; change my escrow amount 4 times in a year; not take electronic payments.

It’s annoyed me just due to stupidity. If my arch enemy owned my loan they could do stuff like change payment addresses; “lose” payments; late pay taxes and insurance.