BB&T Misappropriation of Payments Greenville South Carolina

I have been making extra payments toward my principle. As a responsible consumer, I have been checking to confirm these payments are being posted properly. I discovered once last year these funds had been misappropriated and applied towards a future payment. The result is BB&T collecting interest on funds which they took as interest. In the past month, this has occurred numerous times. They have had more than a week and have done NOTHING to correct the payments. I contacted Freddie Mac (the investor on the loan) only to discover none of the corrections had been made. As of today, BB&T cannot even give me an accurate pay-off amount. I asked what I should do if I wanted to pay off the loan. Their response was "Well, just pay what we say and we'll try to reimburse the difference."  If these people cannot apply funds properly, how can I trust them to properly reimburse properly?

When I pointed out all of these issues to the "Customer Service Group" and how applying these payments to future payments versus applying the payments to the principle as I stated on the payment, none of them have understood how this negatively impacts me as a consumer. This means none of these "Customer Service" people understand loans, and they are trained not to admit when they have made an error.

If mortgage companies charge a $50 late payment fee, why are they not charged a fee when they misappropriate funds? How many more mortgages are they doing this scam to collect higher interest payments from customers unknowingly?

In short, BB&T is a mortgage scam company. If your mortgage is held by this company, ask every month for an accurate loan history and question how EVERY payment is applied.