Santander Bank US Mortgage Complaint

Santander Bank US Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Utah

My husband and I recently divorced. Our mortgage loan was - of our names. I was awarded our home in the divorce settlement. I have been trying to refinance the mortgage in my name only with my local credit union. Our current mortgage is with Sovereign Bank/Santander. Ever since Sovereign Bank bought our Mortgage from another company, we have been having problems with them. I took over our mortgage payments in - of -. My ex-husband had been paying them previous to that. My ex-husband 's last payment was made on - -, -. He was up to date on all payments and had not missed a payment up until that time. He did not give me the financial information to start making the payments myself until the middle of - of -. To make up for the payment due in -, I made - payments to Sovereign Bank to make up for it, - on - -, - and - on - -, -. From that point on, I have made every payment on time and in full. However, Sovereign Bank keeps charging me a late payment fee of $28.00 each month because they claim that I am missing


payments. They also show a fee called " Conversion Unknown '' with a code of - for $740.00 on - -, -. I have no idea what that is. I also get a fee with the code of - or " Unapplied Funds '' that they have n't explained and another code of - that is n't explained on their list of " Transaction Codes ''. I have tried to access their online mortgage services that I have previously used to contact them and for the last four months the site says that they are experiences technical difficulties and ca n't respond. I have had