USAA Savings Mortgage Complaint

USAA Savings Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account Washington

We missed a couple payments on our HELOC around -/-/-. We were attempting to short sale our home. We stabilized and began making full monthly payments around -/-/- but did not get the arrears caught up for 10 months but we made full monthly payment for the full monthly amount due. The company reported to the credit agencies that we missed - payments. They said they had the right to do that because the arrears where not current. They kept applying the new payments to the ones in arrears and reporting late payments for the current months we were paying. Do we have any protection from the law regarding this and if so what is the legal statute, where can I find it please? Thank you.