Since April of 2012 I have had to send my mortgage payment certified return receipt requested so that I can track and prove that my payment were being received in a timely manner. I call every month to advise them that they did truely receive my payment and did not post it as such. They charge me a late fee and argue that it is my fault and then, in their broke -- some what poor excuse of a form of english, they try to give me a 101 class on how a mortgage company functions.
The fact is, the loan is due on the 1st considered late after the 15th. Check has always been signed for on or before the 15th. Posted as early as the 13th, which is ok, but as late as the 22nd.
The big ordeal now is the november payment was written and mailed certified mail with check stub attached and the payment coupon attached to the stub on 11/08/20012. Signed for as received on 11/12/2012. On 11/30/2012 they wrote a letter with the check only, attached to the letter, stating "unable to identify this as belonging to a valid loan. Please provide additional information, such as the borrower's name, the property address, or the borrower's social security number on this and all future remittances." The also went to the extent to write on the check itself that was stamped 11/19/2012 *Please explain what this is for* and *Please provide property address* all this was in an envelope postmarked 12/03/2012 which I received 12/05/2012. Huuummm how come it only took 2 days regular mail to ge to back to me? Where did the stub and payment coupon go??
I immediately worked up a package of all the copies of: previous checks, envelopes, returned mail receipts, letter that I had my Attorney write to them on 11/21/2012, tracking receipts, my letters to the research department, complaint that I have filed with the Arizona Department of Fincial Institution and the check that now had no attached stub or coupon that was stapled to it. I mailed it to an address in Palm Beach, Fla. to the attention of one of their V.Presidents of finance. Guess what! The check has now been posted to the December payment, as they posted the December payment to the November payment and I am again being charged late fees.
I am so tired of so many different P.O. Box address in so many states. Phone numbers that only connect you to the an overseas country. No one that can speak english very clearly or really have enough common sense to understand that my mailing practice is getting the payment there on time it is their proceedures after acceptance that needs to be looked into. I am not going to pay late payments for their misshandling! I am also getting tired of having to take my time to call them to confirm that they have again misshandled the payment. I should not have to ge to the expense of the certified mail every month either.
They have not seen fit to reply to me, my attorney or anyone else that I am aware of. On 12/5/2012 one of their supervisors promised that he would find out where my check was and call me back about it. I am still waiting on that call. I do have names and dates.
Oh!! by the way I failed to mention that I was one of the people that signed up on the class action suit that was filed on them for the same thing back in 1/1/2001 thru 6/10/2010. Settlement was approved 1/12/2011. Ghee and they are still doing the same thing!!
Would someone please help??!!