ABN Amro -Deceptive Business Practices: First- ABN claimed I was in default with my mortgage loan. They called me saying I had to become current. I sent them copies of my payments on 3 different occasions, it didn't change anything, neither would they put the default payments in writing. Everything was said by phone. Second-ABN used my escrow account to con me out of every cent they could. They charged servicing fees + other fees nobody knew of except them and it was illegal. Because they pocket my escrow money it was nener enough left to pay property tax, insurance etc. So they kept asking me for more and more money. Third- once they let my homeowners insurance I had with statefarm collaspe. I only had to pay between $600-$800 a year for statefarm,but the insurance they claim to have taken out was $1500. a year. It took over two weeks to get them to re-instate my insurance with State farm. Fourth-They reported false information to the credit bureau. One of my credit reports claimed I was a late for 120 months. I wasn't late, they made sure they posted payments late to get late charges they was not entitle to. Fifth- ABN Amro used Late charges as another way to rip me off. I had to mail the payments priority mail with a signature to try and slow them dowm even if I couldn't stop them. I had to file bankruptcy which broke my heart because other companies that I never had any problems with didn't get paid and my A1 credit dipped to zero. Sixth-ABN return my mortgage payments which caused the default and then tried to foreclose on my home. I fought tooth and nail and eventually I found out Freddie Mac owned my loan and ABN service the loan. I faxed Freddie Mac my proof at 9am and a little after 3pm the same day, my house was taken out of foreclosure. Freddie research my information and I never had to pay Another mortgage note because ABN had no reason to foreclose on my home, infact it was already paid for. So as I talk to you today I have my release of mortgage in hand. I hope this info help somebody else. Please people find out which of the big 3's own your loan and contact them. That is when your headache will end. If I can help let me know.