Flagstar Bank Mortgage Complaint

Flagstar Bank Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Maryland

My wife and I have an automated payment setup for our mortgage each month. The auto payment is scheduled to deliver the payment - days early each month and that is - days earlier than the due date, not the extended grace period. Apparently, after receiving our early payment, Flagstar realized that we were off by - because they had reassessed our escrow. However, notice of this reassessment was never received. On Sunday, - - at -, we received a phone call from Flagstar requesting a call back. We immediately returned the call and were treated with an aggressive and rude representative telling us that we were late with our payment and had not paid in full. We were accused of having received and ignored the notice of the increase. However, we had never received the letter and at that point were still not late. In fact, we still are not late as the due date on the notice is - -. Despite the rudeness and aggressiveness, we simply asked what choices we had for payment. We were told that we could pay a fee of $15.00 and pay over the phone, or since we were n't late, we could pay using online banking for no fee. We stated that we would do so immediately and the representative said they would note that in our file. We then went on to our - account and made the payment, while also changing our auth payment setting to reflect the change. - shows the payment was made today. On Monday - -, we came home from work and found the notice that had apparently been sent previously according to the representative, in the mailbox, proving that we had never been given notice of the change. Since that time however, we have received no fewer than - calls per day harassing us and asking us for payment. We have continually told them we made the payment and again, we are not late.