RBS Citizens Mortgage Complaint

RBS Citizens Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Michigan

I made my mortgage payment to CCO mortgage in -/-/2015 for the amount of $-. This is the correct amount of the monthly payment. The bank cashed the check for $- short.


I called the bank and was told that this was a bank error and that this would be corrected and had nothing to be concerned about. I was also told that since I was such good customer, the problem would be resolved that day. They also said they would credit the dollar shortage since the bank was at fault. The following months passed and I continued to receive late charges on my monthly statements. I called every month and was told that the computer was not updated and that the issue would be resolved. In -/-/2015, I sold the property and noticed that I was assessed a late fee of approximately $-. I called the mortgage company and was referred to a woman named -. She stated that noone in the company had ever states that this was a bank error and my late fees would not be reversed. I e-mailed her a copy of the check in question and she did see that it was written for the right amount. However, she stated that she could not determine if the spelled out amount was written as a - or a -. Because of this she said the bank cashed the check for the lesser amount and that it was not a bank error. Therefore, she would not reverse the late charges. I asked to speak with her supervisior, but was denied that request. Not only did she admit that the check was written for the correct amount, but her associate also admitted that the check was correct. They have my late charges form the closing already, but continue to write letters to me regarding this. They also threaten to report this to the credit bureau.