Mortgage is with PHH. We meet all the loan to value qualifications listed, and are in good standing. Issue is that I can't get them to send out an appraiser. I sent in the form and check back in February. They cashed the check on March 21. I called in May and they said wait. Called in June, don't remember the date and they said wait. Called July 7 and escalated the issue and they said wait for a call. Called July 14, angry now, and they said wait. Filed a complaint with the CFPB that day. Filed a complaint with the Texas dept of savings and mortgage lending yesterday. Anything else I can do? They are still charging me PMI. It is not breaking me, but it is my money. I don't know if it is lawyer time. I don't think I can recover anything from them. Anything to be done, or just wait and pay and complain on social media?

And, yes, I am sure I will meet the qualifications once they actually come out here.

the irony is that if/when you lawyer up...they'll use your PMI money to fight you.

I effing hate mortgage servicing companies

Finally got an appraiser out today. I resorted to calling every day into the escalation department. Had them emailing the pmi dept and cc'ing their supervisor. Or, at least that is what they told me they were doing. Not convinced they did anything more than tell me, then hang up and laugh. Supervisor finally called me. She looked at my file, after telling me the same old crap and me being insistent. She resolved the whole damn issue in 2 minutes. Evidently my list of major improvements got filed incorrectly. What a BS racket they have. Pray every night that PHH doesn't buy your loan. They are the freaking worst.