First off-I bought home in June-I have made all of my mortgage payments on time and have the check stubs online to prove this. I received a call from BAC Home Loans Servicing, LP Collections Department at 8:20 PM. I missed the call but promptly called it back when I realized it was BAC Home loans.
Once I reached a representative, she said that I was a payment behind. I explained no I was not, but she would not listen to me. She asked me if I was in WA and proceeded to give me HUD’s number. I explained that my Mortgage check went through Bank of America (also my bank) and was showing on the online banking as being cashed on Feb 7th. She tried to tell me that was the check for January and I owed 886. I said my mortgage payment has always been 847 so I dont understand this. Then she tried to tell me that the extra amount was due to late fees. I explained again that I have made my mortgage payment on time every single month. She started to read off the payments that I made starting with October 2010 and then she said that she only had a payment for January and that was what I was looking at online. Again, I explained that NO the payment online banking was the check I just sent on Feb 1st. ALL checks from the first one in August to the one in February were all online and I had them in front of me on the screen on the PC. Then she said if I want to dispute it I could call this number tomorrow.
I have always paid my mortgage on time. I’ve never been late and now this could show as a late payment. I realize many people are having financial problems and can’t pay and but its as if this rep just assumed I was one of those people and would not even look into it or listen to me.