PHH Mortgage Mortgage Complaint

PHH Mortgage Mortgage department,

VA mortgage Loan servicing, payments, escrow account

I started making extra principle payments to my mortgage company ( Coldwell Banker Mortgage ). I noticed they were not being applied to the principle and instead were being held and applied to the next regular mortgage payment. For example : I paid my -/-/- payment, I then two weeks later sent another payment this payment was held and applied to my -/-/- payment, then when I paid my -/-/- payment they held it and applied it to -/-/-. Upon noticing this I contacted my lender to get the principle payments corrected. My lender said they would fix the issue. I had 4 payments that were incorrectly applied ( for a total of $19000.00 ). I contacted the company on -/-/-. They said everything would be fixed within 7-10 business days. I checked on -/-/- and only two had been corrected. I contacted the company again ( on -/-/- ) as it had been past the 10 days to find out what happened. I was again promised that everything would be fixed but that it would take 7-10 business days. I informed them that this was not acceptable since I had already call on this and they had not fixed


ticket to get it fixed quicker ''. I again checked on -/-/- and still it is not fixed. I again called the company who told me it takes time to process, but it has been submitted ''. I checked again today -/-/- and it still is not fixed. Right now the company is holding $4800.00 that should be applied to principle during -/-/- and -/-/-, and instead telling me I do n't own my mortgage until -/-/- which is not what I want. What makes this extra frustrating is that I am currently -, so I have to call in the middle of the night to be able to reach the company during their normal business '' hours.