21st Mortgage Corporation Mortgage Complaint

21st Mortgage Corporation Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Indiana

I often make multiple payments at one time to my mortgage company. I include the account number on the check with the months that the payments are to be applied to in the memo portion of the check. I also include in the envelope the payment coupons for the payments that the check is to be applied to. A few months later, the mortgage company sends me mail saying that I am seriously overdue on my account because they misapplied my payment. This happened last year for the - time and they put a late pay on my credit report for it even though my payment was never late. That mark is still on my credit report as I have not had the time to challenge it with the credit reporting agency. Today, I received yet another threatening letter even though I 'm not behind and do n't owe any more payments until -. I 'm tired of them misapplying my funds! Furthermore, when I made another multiple month payment in - of last year, I requested in writing a statement of all of my account history and then still have not sent it to me - months later.