Business ProfileforFirst Reliance Bank

Escrow inappropriately being applied. At closing, no escrow selected by me. 9/16/21 my insurance company erroneously bills FR for insurance, they pay the $501.40 then send me escrow analysis of $41 ish/month for the next year. Starting next payment I am instead billed $97.49/mo. 4 months later I have continued to pay this $97.49 and now told I have a remaining balance of $111.44, which when I attempt to pay in full to remove escrow from my account, I am told that I owe more than that because they have now taking it upon themselves to escrow my account indefinitely, and they're applying my extra payments as escrow "cushion". I spent 2 hours on the phone with 6 reps this morning being told that all that needed to be done was to pay the $111.44 and escrow would be removed from my account. I go to pay, confirm with the rep they transfer me to, get told "you're wrong" in those exact words. I ask for supervisor, who says "that's nice, but no, you're wrong, is there anything I can help you with today" in a snarky tone. I ask for her supervisor, get put on hold another 10 minutes and told "she's busy, she'll call you later". So, as of now, I am no longer going to pay FR anything until the escrow is zeroed out with the remaining $111.44 balance being paid today (of which $97.49 is included in my 3/1 payment). They have failed to abide by the terms in our closing documents (contract) and therefore they are in violation, so litigation is the next step.