After refinancing 1 year ago, my mortgage was bought by America's Servicing Company a few months later. I was used to making my mortgage payment online with my old bank and found it to be an inconvenience to have to mail the payment in.
I attempted several times to use the automated phone payment but found out it would cost me $15 to make my payment by phone. In December I tried again to make my payment by phone, agreeing to the $15 fee so it was not late only to be transferred to a Customer Service rep and told it would cost me $20 now because I was speaking to a live person. I agreed to it and did the payment by phone.
One month later, January's payment had cleared my bank account but December's was still there. I called ASC several times about this but they assurred me December's payment was received from my bank on Janury 9. After making February's payment I then received another statement showing that I was now late for January and February and this included late charges for both months. The whole time, December's's payment was still sitting in my bank account. I called ASC and was told that I gave them incorrect information regrading my bank account. Considering the rep read my account information back to me when I made the payment to confirm, I can only say he screwed up. Which lead me to tell them I am not responsible for two late payments. They told me yes I am because they used the money received in January to pay December's bill and they considered January as unpaid but I could make a payment over the phone with them right now for January & February including both late fees (December & January) and the $15 phone charge. I told them they'd have to be crazy to think I would ever use the phone pay again and I personally thought their company sucked and I wish they had never purchased my mortgage.
Now I'm caught up and thinking everything was okay when I received this months bill with an added charge of $15. I called to find out what this charge is for only to be told that it is a charge for property inspection. I explained that I did not ask for a property inspection, nor did I have one so I didn't understand the charge. They told me that ASC randomly goes out to do property inspections to be sure the residence is occupied and it carries a charge of $15 which the customer is liable for. I am appalled that someone came to home without my knowledge, obviously had to do some walking on my property to see if there was occupance because every window is covered with blinds, no vehicles are here during the day and because it was before Spring actually came, there is no sign of outdoor furniture or life. I am only sorry the person inspecting my property did not go past my back gate and meet my two rotwiellers. Though they would have licked the "inspector" to death before ever thinking about biting him, their looks sure are scary.
So now I am responsible for an inspection I did not know anything about when I receive a statement this week telling me they are raising my mortgage payment $155 a month. Though they mailed me a check for an escrow refund when they purchsed my mortgage, they now say my escrow is short and I am required to keep a minimum balance of $1200.00 in my escrow account. Well, what did they mail me a refund check for and why did they tell me it was NOT a mistake when I called to inquire about the check I received?
Again, I truly hate this company and at this point I am sorry I ever refinanced. Citibank was wonderful with my mortgage. If I had to all over again, I'd let the roof blow away before I would have replaced it (my reason for the re-fi). Can someone tell me, is it possible to request a company sell your mortgage? I should wish ASC would sell mine.
Niagara falls, New York