Real Estate Investing

[sonetirot]

Question to any one who could answer.
I just refinanced the house which I just bought for about 3 years. It is the best location in Potomac Maryland, Suburban Washington DC. It had the best school in the country. Now the value has almost triple in 3 years. I just refinanced conventional loan 4 7/8% fixed for 15 year last month. LTV is about 30% (per appraisal during refinance).
I forgot to ask settlement lawyer not to have an escrow account for Taxes and Insurance. I now decide not to have an escrow account due to LTV less than 80%. I wrote letter to the bank. Bank sent the letter said it had approved but I have to pay $289 for ESCROW waiver fees (which would be deducted from escrow balance). I think this is unfair. Anyone has an idea who I should complaint to. Is there any Federal Agency who oversee conventional loan from the bank. I want to write a letter to the bank again and tell them I would write a compliant to. I need to be specific. Thanks