This company is really starting to make me angry. The bought my mortgage note from my previous lender and when they did, they didn't send me any contact info for over 2 months. The very first contact I received from them was a notification that I was 2 months behind on my payments. I explained to them the situation and ended up paying for those two months with included late fees tacked on... as well as having them report to the credit companies, which needless to say didn't do anything to help out my credit score...
Now my newest issue with ASC is that I sent my mortgage check by mail. I had expected a wire transfer to hit my bank the next day to make sure funds would be available to pay mortgage. There was an error with the wire transfer and had to be re-sent. I called the mortgage company to see if the check had cleared or if they needed me to do an electronic funds transfer to make the payment. They stated that the check did NOT clear, so I did the Electronic Funds Transfer to make sure my mortgage got paid.

The next month I receive a statement saying that last months payment was never received and a late fee will be attached an I will need to pay the late fee, last months payment, as well as this months payment. This struck me as very odd so I went and got an activity statement for my checking account from my bank. On the statement it shows the check written as cleared, followed by the next day the Electronic Funds Transfer clearing. So my understanding is that they expect to charge me twice and claim not to receive two payments and charge me a late fee on top of it.

I am planning on contacting them regarding this and will have my bank fax them the statements as proof of both charges being made. I will ask that the late fees be waived as well as being credited for this months payment, either that or they can send back the amount of the check so that I can turn right around and write them a check for this months payment... Simply ridiculous, I am seriously considering refinancing just to get away from this company, I will have to pay the prepayment penalty but I am beginning to think $2k might be worth it to get away from this company and their seemingly ineptness.