PHH Mortgage Mortgage Complaint

PHH Mortgage Mortgage department,

VA mortgage Loan servicing, payments, escrow account Georgia

I typically overpay my mortgage. I run - months ahead of my payment. PHH Mprtgage has be two months ahead in - 2015, then their accounting went crazy. My payment is $1200.00 a month. They applied $1800.00 to -/-/2015 payment. Then I started getting nasty letters from them saying I was overdue. I ended up paying $5300.00 toward my -/-/2015 payment and $3000.00 toward my -/-/2015 payment. Did a law change allowing lenders tyo change the terms of my fixed mortgage? They cant recalculate mt mortgage each time I overpay. They are essentially penalizing me for prepayment by keeping my maturity dadate fixed and making me due every month no matter how much I applied to my principal. I depend on having a cushion of a couple months for when I deploy. This is total -. I have complained to you about - doing the same thing. and they responded with a - answer and continue to do the same thing. - banking practices!!!