Stearns Ventures, LLC Mortgage Complaint

Stearns Ventures, LLC Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Utah

I traditionally take and make bi-weekly payments on my mortgage with Stearns lending so that way I can take and make an extra payment as well as so I can take and pay down the principal on the loan more quickly. I am not signed up for any bi-weekly payment plan and or service and have always questioned given the quick and easy method by which companies are able to take and receive and apply any payments that come with them why I should have to take and incur an additional cost when I can clearly show that my mortgage company by their own system is receiving my payments but they are are choosing to apply them to the loan on their own schedule thereby forcing me to continue to incur added interest while at the same time they are just able to sit on my money without any added return or benefit for me? I have provided a PDF of all payments that have been made every 2 weeks going back to -/-/2014.