American Pacific Mortgage Corporation Mortgage Complaint

American Pacific Mortgage Corporation Mortgage department,

Other mortgage Loan servicing, payments, escrow account California

On or about - -, 2015 a woman came to my home and handed my caretaker a card saying your mortgage company would like for you to call them. She too began taking photos of my home on the outside without permission. I reviewed the notification and did not recognize the telephone and upon googling it came up with a company called - - - . I did not recognize this mortgage company, I did not return the number listed on the door tag. I later received a call from a representative identifying themselves as American Pacific Mortgage company. Upon returning this call on about - -, 2015, I was notified they were calling in efforts to collect a debt. They indicated at the time that their records did not show payment for the month of - 2015 as being made. I had set up Direct Pay ACH payment via my bank account and the monies were withdrawn and paid on or about - -, 2015, I faxed over proof of ACH electronic payment, ( no reply ) On or about - - I received an alert notification from - - -, of a change to my account. Upon review,


record as no more than two months past due ''. Apparently as of - -, 2015 they were reporting 2 months in arrears on my mortgage loan with American Pacific Mortgage which was current per my records. Again, I contacted American Pacific Mortgage via fax providing record of payments and copy of the - ( - and - ) reporting error, I received no reply. On or about - - I received an email from my loan broker - -, saying it was an urgent matter for me to contact a - - at American Pacific Mortgage. I contact - and explaining that all payments beginning - 2015 had been paid via electrong ACH, and forwarded her copies of on line bank transactions, along with a copy of the error in reporting being made to the credit bureaus. I requested her immediate attention and resolve, to include notifying the credit bureaus of the reporting error. I was told via email, that she had stopped all collections and reporting to the bureau on my account. A week later - requested additional proof of payment of the electronic record showing where the monies were sent. After contacting my bank and their ACH Payer, I received proof of payment via electronic receipt from the payee 's bank, incl ( s ) payee Name of -, and Payee ID # date and time of receipt of payments on all payments ( now currently - 2015, - 2015, and - 2015 ). I emailed this information to - - and faxed it to collection fax number given. - - requested me to stop ACH electronic payments for - 2015 and to try calling in my payment On - -, I again received an alert from - - - ( -/null reporting 4mths past due ). I emailed and telephone - - to make - 2015 and she refused to take it over the phone. In summary, as of today a credit for missing payments '' still have not been credited - - has a - party collecting and reporting on my account e.g, ( sending letter as -, telephoning, and individuals to my home. ) I have been denied credit, denied the ability to make loan payments for current months ( - and -,2015 ), currently being charged late fees since - 2015 and now facing foreclosure to include legal fees ) as - and - are not to acknowledging the - parties ( my bank and it 's affiliate - - - ) ACH electronic as a valid proof of payment. These electronic proof of payments are received encrypted by the Payees Bank and acknowledge the payee ID #, date and time all payments received. I 'm requesting immediate credit for all payments made, to include reversal of all late fees to date and the correction of the credit bureau ( s ) reporting without further delay.