Just discovered that this company (which has been drafting my checking account twice a month for 6 years) has been paying my mortgage late, resulting in late charges and reports to the credit bureaus. Numerous phone calls (to non-English -speaking people) have gotten me nowhere. They deny paying late, except for the present month. They're having "issues" there, and "have had many calls because of late payments". They promise that the payment and letter of explanation to the mortgage company will be sent "next week" at the latest. "Next week" has been going on for 3 weeks now. In the meantime, the mortgage company is sending another bad report to the credit bureaus.<br />
In 42 years of marriage, we've never had a black mark on our credit, and now, have been reported 5 times since April.<br />
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I have no idea how to deal with the credit companies to have this rectified, since FNC won't admit to being late except for this last month.<br />
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The only reason we signed up with these people was convenience, and by paying twice a month, the mortgage is payed off faster. Needless to say, when this is cleared up, I'll be sending my own checks to the mortgage company, and I'll never deal with these people, or anyone like them again.