Our mortgage was recently bought by another bank, so far this has not been a good thing. We have lived in this house for 13 years, we have never had late mortgage payment. The new company took over 2 months ago, when I got my last mortgage bill it didn't seem right to me and upon looking at the history it appeared that the last payment was never received. So I cancelled the check, and immediately sent out a payment for the previoius month which for some strange reason they did not recieve and the new payment. Plus I paid the late charge, even though I sent the payment out, but I didn't feel like messing with it so I just paid it. The bill was only 3 weeks late, so I don't think it will show up on my credit report or anything like that.
Today I get this phone call from the bank telling me they did not receive my June payment, I told them I sent that bill in 3 weeks ago, and I know they received it because I have seen my statement. I told the girl that I made a double payment, one for June and one for the previous month. She tells me that yes they did recieve a payment for XXXX amount, but half of that had gone to principle, and did I want to pay my bill now credit card.
I was like, "Whoa wait a minute, what do you mean it was applied to principle? I made a double payment." She told me again it was applied to principle and would I like to make a payment over the phone. At this point I actually got nasty, I am getting really tired of all these companies screwing up, this keeps happening to me, and I will be darned if I will allow it to happen on something as important as my mortgage and something that can affect my credit rating. I told her I made a double payment and there was no reason that half of that money should have gone to principle, that is not what I indicated on the bill, and this was their issue and they needed to fix it. At that point she put me on hold for about 5 minutes, then came back and said it had been fixed and she apologized for the inconvenience, and that it was their error. I told her she nearly gave me a heart attack, and she apologized again for the inconvenience.
At this point I am not feeling all that confident about this new bank that is now holding my mortgage, they possibly lost my last payment, and then applied a payment to my principle and sicked a collector on me. This can not be good.