7/09 i recieved a demand letter asking for 2 payments plus almost 600 in late fees thinking it was a mistake i called as my payments on paid online and i have proof they were paid after being danced around...tons of phone calls to every number.you call one they tell you to call another a trip to my local branch.they send me to one 50 miles away they refer to the same number i started with. they have no number to corporate found one in ny they tell me its in there hands.nowthey say a payment was missed in 2/02.YUP 0/2 so they have reported me 80 times late yet we filed bankrupcy keeping our house in 7/02 and they reported no late or missing payments at this point i again called the number i was give just to rectify as im sick of being on the phone at 5am every morning and getting nowhere ps they say i need to reaffirm my loan but cant say how. because of this thats why according to them none of my statements ever showed a past due amount so now my credit is shot and yet they wont allow me to fix it...anyone want to file a class action cuz im sick of it