American Financial Resources, Inc. Mortgage Complaint

American Financial Resources, Inc. Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Kentucky

In - I had trouble using the automated system, which resulted in me having to pay a fee by the time I got it to work. I assumed this was my fault. In -, I attempted to pay by phone sometime between - -. I was then contacted by letter, saying that there were non sufficient funds for the payment. I checked my account to make sure there was n't a math error and to confirm that there were funds available. Once I confirmed this, I attempted to pay my payment again on -/-/15. I was contacted around the -/-/- by phone, by the company and they stated that they had not received payment. I explained to them that I had tried to pay twice and that the funds are in my account. At that time, the representative told me that I entered my checking account number wrong ( both times, the exact same way ). I told him this was impossible, because I do not even key my checking account info in, and that I always just use what is on file. He refused to admit that there was any kind of glitch with their automated system. When I called to pay my payment in -, I made sure to listen to the automated system when it asked me how I wanted to pay. It does not read me the entire account number, it only asks if I want to use the account ending in -. There is no way I could have entered the information wrong, all I did was say yes that I wanted to use the account that is on file. Now they are trying to charge me $15.00 for each time that the payment did n't go through ( even though it never even touched my bank account ), plus a late fee, plus they charged me extra to pay by phone because the payment was late. In all the total fees are nearly $60.00, even though I tried to make my payment twice before - -.