New American Funding They don't give you common courtesy Santa Rosa California

I have had a home loan since Sept with New American Funding and have always pain with Bill Pay on the last day of the month to give plenty of time for it to be at the bank by the 5th of the Month.  I have great Credit and do not miss payments.    I had to move from Wa to AZ but I rent my house out because I still hope to move.   Anyways, I get a phone call and a nasty letter telling me to talk to my attorney because I have missed a payment and it can now go into foreclosure.   So on June 21 at 10 am  I call  and tell them New American funding and tell them my Bank said the June payment went out of my bank on 5/30/13.   They tell me they have not received it and in 8 days it will count as a strike against my credit. 

I immediately go to my bank Chase and ask them to stop payment and write out a new check, but Chase tells me they have cashed it and give me a routing number.  I call them back, now around 2:30 pm and ask to talk to a Manager, they send me to a VM and I leave a message, NOBODY CALLED ME BACK.    I called them at 8:30 am On June 24, I get a manager who will not give me her last name, I talked to her again on June 25th and she gave me her id #

Anyways, she again tells me it is my fault because they sent me a letter in January of the change address for the Bill.  I told her I never got it and she basically says it was never sent back as undeliverable so that means I got it and nothing I can do.  I give her the tracing number for the bank and ask for more time while they find it, but that is not going to happen, I have to send a payment now, but I already did and do not have spare money to be making 2 payments because they already cashed my first one.  I said I got a letter last month saying my payments were going up another $8 due to insurance and property tax, but nothing about me having sent the last 5 bills to the wrong address and it had to be forwarded to them.  So all this is MY FAULT?  They couldn’t have written me a simple letter or call the last 6 months informing I’m sending it to the old payment address?  Should they have to notify a guy when he sends the payment to a wrong address and quickly reply to these things when there credit is going to hurt because of a possible error on their side?

Then last night I open up my Mail.  I have a check dated 6/14/13 from New American Funding.  It is postmarked June 21, 2013.  So they sent me a check ( not sending me back my check..they cashed it and was from NewAmerican Funding.  Another letter the same day saying I owe them late charges of 57.15…plus a 7.5 fee to have my check withdrawn on phone to save my credit.   This is totally unfair…they should have sent me at least one letter since Jan saying I’m paying the wrong people….I have all other letters from them but not that one.  This is stressful and cruel dangling my credit score because I never knew about the change of billing….Plus there people couldn’t tell me that even though I had a trace code…they had cut me a check and I should get it shortly.   They should not be able to do this to people who have paid faithfully.   I can bring my bank statement to support I have paid before the end of month prior to it being due on the 5^th for the last 9 months.    Don’t mess with this unless you always enjoy no customer service and always being wrong and having to pay for it.  Manager didn’t even pause to send it to someone else….it was my fault I sent it to wrong address last 6 times, even when I called to give address change…it’s amazing it went to the correct place…just not the billing.