Loan servicing, payments, escrow account

There is a class action suit going on at this time – but my situation is after the time period that the lawsuit is for. XXXX v. PNC Bank, N.A., well this settlement settled nothing. PNC is still continuing their practice! I ca n’t file in the suit since this is happening to me NOW. I have been dealing with PNC for 2 months now. Our area just got mapped as a flood zone ( XXXX XXXX ). I was notified that I had to purchase flood ins for the VALUE of house. I contacted the XXXX county tax area – my home structure is worth {$160000.00}. My balance is {$210000.00}. I purchased insurance for $ XXXX-more than the value ( there first letter stated that I needed to purchase flood insurance for the value of the structure ). I notified PNC – have copies of letters, faxes, contact people names. I was told they would look into value and notify me by mail on XXXX XXXX, per XXXX XXXX, Loan Support Analyst, XXXX XXXX – Flood Servicing, XXXX XXXX XXXX XXXX, PNC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( p ) XXXX | ( f ) XXXX. I received a letter today, XXXX XXXX, 2016 – acting like I have totally ignored them -and they purchased additional insurance of {$23000.00}, which is more than the value of the home OR MY balance! Charging me {$140.00} – I have already paid out {$450.00} additional monies over my homeowners insurance for this special flood insurance. PNC is TERRIBLE to work with – I just keep getting transferred to one dept to another dept – the rep telling me – they do n’t handle my issue. I have spent so much time on the phone and on letters and emails. I am totally frustrated. Is there anything I can do?

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