RBS Citizens Mortgage Complaint

RBS Citizens Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account New Hampshire

Over a - month period I made additional payments to my mortgage that were supposed to be applied to principal. -/-/-, -/-/- and -/-/-on -/-/- I was charged the interest due in -/-/- that would have been significantly reduced by the principal payment had it been properly applied. on -/-/- both payments were applied to principal. on -/-/- the additional principal was applied as a -/-/- payment and I was charged for -/-/- 's interest again - days prior to the interest even being due. When we discovered this issue we requested a correct to the account. CCO Mortgage has repeated changed the account always placing the -/-/-/-/-/- and -/-/- principal after all the interest is calculated. It is now - and I had an approved automatic payment removed from my Checking account that was lumped in with the -/-/-/-/-/- and -/-/- principal in an attempt to correct the Mortgage payments. CCO is now claiming my -/-/- payment is late even though it is clearly been paid. I have - been overcharged for interest. They have - attempted to fix the account but even though they are supposedly banking professionals they continually apply principal payments after they calculate interest in


Additional $5000.00 applied as the - payment by CCO Mortgage. -/-/- - Initial call to correct the account payments. -/-/- - -/-/- Multiple attempts by CCO to correct the payments always charging more and more interest with each attempt to correct because they continually apply the principal payments after they calculate each months interest. -/-/- - Normal payment taken out of Checking account but applied as Principal. -/-/- - Called CCO Mortgage with an attempt to fix the missing -/-/- payment that was lumped in with the attempts by CCO to correct the account. -/-/- - Late payment notice issued by CCO Mortgage requesting immediate payment for -/-/- and -/-/-.