Wells Fargo Financial National Bank For many months this bank intentionally caused my payment to be late to incur late fees and other charges until I was behind. then they sent me a letter to pay the loan off or face other charges. Des Moines Iowa

I know a lot of people who have been going through the same thing that you did.  There are a lot of mortgage companies who drag people through the mud claiming they will help them, and then end up forclosing behind their back all the while once it's too late.  I know a wonderful company that has helped a thousands of people in your same situation. When you have a second you should call them to see if they can help you.  From what I understand they help people save their homes, and don't do anything else. www.synergyattorneyservices.com They helped a dear friend of mine save their home and I would like to see your situation resolved too.

The definition of insanity is doing the same thing over and over, and then expecting different results.

If you always sent the payment on the 3rd and it often arrived late, why didn't you send the payment on the 2nd or 1st?

If it is because you get paid on the 3rd, then this does go against what I would normally say to not write checks that you don't have the money to cover. But if they never get the payment for at least 7 days then they would still get it after you got paid.

You have other options to have proof when you paid, Wells Fargo has Online banking where you can make payments right from their web site. Not only can you make a payment for a specific date, so if it is due on the 10th you can make it on the 10th. You can even schedule it in advance where on the 3rd you can go in and say you want it paid on the 10th.

As for when the payments were received, you get that date every month. When they send you your statement the date it was posted is in the statement. If you are going to try and play "word games", that is the same date it is received.

One other thing that I hope you aren't doing. When they send you the monthly statement and add the late fees
for the previous month. If you fail to pay those fees, even if you make the rest of the payment before the due date you are still considered late because of the remaining fees you failed to pay that were due. This has a huge compounding and "s****.>

Be prepared for the verbal assualt  that you will be facing. For posting something agaisnt their beloved criminal business.  We have the right to whine about our bad experience on this site.