Santander Bank US Mortgage Complaint

Santander Bank US Mortgage department,

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

1. I made additional payments above my scheduled payment and the bank applied all of these additional funds to interest without telling me. When I requested an amortization schedule, the bank employee refused. 2. In - 2016, this Santander Bank NA imposed a forced flood policy on my property for % -. I have a policy on my property and I refused to pay. I faxed this information to the bank multiple times ( 40 times first time, 20 times, the next ) but the information mysteriously disappeared and even though I made my scheduled payments, the bank stated that I was not making my payments because I did not pay this $5000.00 fee. 3. In - 2016, I made an additional payment of - the Bank imposed a property search fee on my property, charged me $85.00. for this and took the entire additional payment of - instead of applying it to the payment, thus I am late again. 4. On - -, I attempted to make a payment for $800.00 ( regular payment of $16.00 cents and the rest as principal ) the bank refused the additional principal payment. this is the usual occurrence. This bank always thwarts attempts to pay down the principal. Because of all of this, my credit rating has dropped - points because it appeared that I did not make payments for 3 months.