U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Alaska

I pay my mortgage in 2 payments every month. The payments are made by the - of the month for the next month 's payment. For example, on -/-/- I paid $950.00 and -/-/- I paid $800.00 for a mortgage of $1000.00. I have been communicating back and forth with usbank about fees applied to my account for late fees. Most recently on a call on -/-/- I was advised that if I pay in partial payments, even if I pay the full amount before the due date, I am responsible if usbank does not apply the funds correctly from the suspense account. I was quoted, " that is the risk you win into when applying two payments ''. I have reviewed the policies for Usbank and it shows I can make two payments. Is it legal for usbank to hold me responsible for their errors when applying payments from their suspense accounts?